nbdomainsProducts

Community Guidelines

Last updated 15 September 2026

Fovar is for small groups of people who know each other in real life — a youth group, a ladies’ circle, a hometown association, a dozen friends who cover each other when something goes wrong. These are the rules that keep that possible.

1. Who Fovar is for

A Fovar group is people who know each other. You have met. You can find each other. Someone would notice if you stopped showing up.

That is not a preference, it is the safety model. Fovar has no escrow, no arbitration desk and no way to claw money back from someone who spent it. What protects your money is that the people holding it have to face you.

So Fovar is not for collecting money from the public, from an audience, from followers, or from anyone you would describe as a stranger. If you cannot name every member of your group and how you know them, you are using the wrong tool, and we will close the group.

2. If you are being invited to join

Contributing to a group means trusting the people in it — not us. Before your first payment:

  • Know who the Account Holder is. That is the adult in whose name the payment account legally exists, and they are the one who can move money out.
  • Open the ledger and read it. Every contribution and every withdrawal is there, and none of it can be edited.
  • Ask what the money is for, and what happens to it if the group ends. Ask now. Asking afterwards is a much harder conversation.

Nobody should be pressured into joining a group, and nobody should be made to feel that leaving one is a betrayal.

3. The Co-Sign Rule is a floor, not a ceiling

Money does not leave a Fovar treasury on one person’s say-so. Someone requests it, someone else backs it, and the required officers approve it. Nobody can approve their own request. If the amount, the fund or the destination bank changes after signatures are given, every signature is voided and approval starts over.

Every plan has it, including the free one. We will not sell a safety control as an upgrade.

Be honest with your group about what it does not do. It stops one person acting alone. It does not stop two people who agree with each other, and it cannot tell an honest reason from a dishonest one. It is a rule inside our software, not a lock on a vault. Groups that treat it as the end of the conversation about trust have misunderstood it.

Deliberately working around it — splitting a withdrawal to stay under a limit, holding a role you were given so a friend can rubber-stamp you, describing a withdrawal as one thing in order to get it signed and then spending it on another — is a violation of these Guidelines on its own, whatever the money was for.

4. What a group is entitled to expect from its officers

Being a president or treasurer on Fovar is a position of trust in a real community, and it is held by consent. If you hold one:

  • Say what the money is for, before you move it. The ledger records what happened; it cannot record why. That part is your job.
  • Answer questions about the balance. A member asking where the money went is not accusing you of anything. Treating the question as an insult is the first sign of a group in trouble.
  • Do not use the group’s money as a personal float — not briefly, not with the intention of putting it back.
  • Hand over cleanly. The app will not let the last president walk away without appointing someone, because a group with no president can never appoint one again.
  • Do not use your role to settle a personal dispute — removing a member, refusing to sign or blocking a payout because of an argument outside the group.

5. Transparency, without shame

The ledger is permanent by design. A correction is a new entry that reverses the old one, and both stay visible — to your members, to your officers, and to us. That permanence is what lets someone trust a balance they did not count themselves.

Whether names appear beside amounts is your group’s choice, and it is off by default. Making it visible that someone has not paid is a social decision with real consequences for a real person, and a group should make it deliberately.

If you do turn it on: it is a record, not a noticeboard. Using it to single somebody out — in the group, in a chat, from the front of a room — is harassment, and we treat it as harassment. People fall behind. Some of them are the reason the fund exists.

6. Members under 18

You must be 13 or older to have an account, and 18 or older to be the Account Holder, connect a payment account, or move a group’s money. A group with teenage members needs an adult — a youth leader, a parent, a guardian — holding that role.

If you are that adult, the responsibility is real: you are handling other people’s children’s money, and their parents are entitled to know how much is held and what it is for. If you are between 13 and 17, you need a parent or guardian’s permission to take part.

Adults must not use a group to obtain private contact with minors, and must not pressure a young member over money.

7. What Fovar will not carry

Do not use Fovar to:

  • lend at interest, run an investment scheme, or promise anyone a return — a mutual-aid pot is not a fund, and a rotating savings circle must not become a payout ladder that needs new members to keep working;
  • collect for a purpose you do not intend to honour, or describe a withdrawal as one thing while spending it on another;
  • move money for someone outside the group in a way designed to hide where it came from;
  • run gambling, betting or prize pools;
  • move the proceeds of anything unlawful, or pay for anything unlawful;
  • take money from people you are misleading about who you are or what the group is;
  • harass, threaten, or attack people — in group names, fund names, notes on a contribution, announcements, or your profile. Hate directed at who somebody is gets an account removed on the first occurrence.
  • post or transmit sexual content involving minors, or content promoting violent extremism. These are reported to the authorities, not warned about.
  • probe, scrape, or attack the service.

8. When a group falls out

Groups disagree. Officers leave badly. People remember a decision differently. We want to be straight with you about our part in that:

Fovar does not decide who was right. We were not in the room. We cannot rule on whether a withdrawal was fair, whether a member was owed, or whether a purpose was honest — and a company that pretended it could would be doing your group harm.

What we can do, and will:

  • give every member the same unedited ledger, so an argument is at least about the same numbers;
  • let you export it, so it can be read outside the app;
  • act on this document when someone has broken it, which is a different question from who was right.

If money has been taken dishonestly, that is theft, and it is a matter for the police and for the courts. Tell us as well — we will act on the account and preserve the record — but do not wait for us instead of reporting it.

9. Reporting

Email support@nbdomains.com. Tell us the group, what happened, and roughly when. Screenshots help.

If someone is in immediate danger, contact your local emergency services first. We are a small company and we are not a rapid-response service.

We do not tell the person you reported who reported them, unless the law requires it of us.

10. What happens when we act

Depending on what happened, we may:

  • warn an account — you keep full use of Fovar and are told what has to change;
  • suspend an account — you are locked out of reading and writing anything while we look into it, and the app tells you why rather than quietly failing;
  • ban an account permanently;
  • close a group and stop it taking further contributions.

Serious harm — content involving minors, credible threats, organised theft — skips the ladder.

Losing your account does not erase your money or your record. Ledger entries stay, because they are the rest of the group’s record as much as yours, and a balance a group is holding for you is still a balance a group is holding for you.

11. Appeals

If you think we got it wrong, reply to the email that told you, or write to support@nbdomains.com with “Appeal” in the subject. Tell us what you think we misread.

We aim to answer within 7 days. A person reads every appeal — there is no automated decision to appeal against, because we do not make these decisions automatically. If we were wrong, we will say so and restore the account.

12. Changes

These Guidelines will change as the product does. If a change materially affects what is allowed, we will say so in the app or by email before it takes effect. The date at the top is always current.

The Terms of Service are the agreement between you and nbdomains LLC; where the two ever disagree, the Terms govern. This page is how we expect the people in a group to treat each other.