Platform rules

What Svitlo-Lux is

Svitlo-Lux is an informational platform on which OSBBs (condominium associations) and ZhBKs (housing cooperatives) publish pages for fundraising for backup power for their building: the estimate, the stages, reporting and the details of their own account.

Svitlo-Lux does not accept, hold or distribute funds, and is not a bank, a payment service, an escrow or a guarantor of performance. Transfers are made directly to the account of the OSBB or ZhBK.

Site operator

Service operator: the owner of the svitlo-lux.com.ua website; full details are provided on request at support@solars.com.ua.

Contact details for enquiries are collected on the "Contacts" page.

Account

A personal account requires a valid email address and a password. The password is stored only as a secure hash; you must not share your password or codes from emails with anyone else, including platform staff.

The user is responsible for actions in their own account. If you suspect unauthorized access, change your password and notify support.

How transfers work

The resident makes the transfer independently, through their own bank, directly to the account of the organization whose details are shown on the fundraising page. The platform is not a party to the transfer.

The "I have made a transfer" button only creates a resident's declaration. The declaration and any attached receipt do not confirm that the funds were credited and do not increase the confirmed amount.

An amount is considered confirmed only after an authorized representative of the organization has reconciled the transfer against a bank statement obtained outside the platform, and the reconciliation has been approved under the dual-control rules.

More about direct transfers: the page "Direct transfers to the OSBB account".

Verification of organizations

Before the details appear on the page, platform staff manually check the organization's legal data, the documents on the authority of its officers and that the account belongs to the organization. There is currently no automated check against state registers.

Verification of registration documents and authority is not confirmation of payments by a bank.

Any change to the details immediately suspends the fundraiser and requires re-verification by two staff members.

Obligations of organizers

The organizer is responsible for the accuracy of the data, for the decision to raise funds having been made in the manner provided by the charter, and for using the funds for their intended purpose.

The organizer does not publish account and card numbers in the fundraiser text outside the dedicated form, does not post residents' personal data and does not demand transfers by any other means.

Obligations of residents

Before making a transfer, check the details in your bank app. Do not add third parties' personal data or the payer's full details to declarations and receipts.

Report suspected fraud and errors through the enquiry form on the fundraising page.

Prohibited actions

It is prohibited to submit false information about the organization, its authority or its account; to ask for or accept funds on personal cards or in cash on behalf of a fundraiser; to publish other people's personal data; to circumvent request rate limits; to upload malicious files; or to use the platform to deceive residents.

Suspension and closure of fundraisers

The platform may suspend a fundraiser if the details have changed, authority has been lost, a risk has been identified or a substantiated complaint has been received. While a fundraiser is suspended, the details are not shown.

The procedure for handling complaints is described on the pages "Moderation", "Reporting fraud" and "Disputes and enquiries".

Limitation of liability

The platform is not a party to contracts between an OSBB and suppliers or contractors, does not guarantee the performance of works, the price, or the availability or quality of equipment, and is not responsible for the actions of organizers. The limits of the operator's liability must be clarified by a lawyer.

Version and changes

Version label of this draft: 2026-draft-1. Changes are published on this page; the procedure for notifying users of material changes will be determined by the operator after legal review.

Quick application and the monobank jar

A resident without an organisation can submit a quick application to raise money for power for the building. Such an application does not go through OSBB document checks, so the page states plainly what was checked by hand and what was not.

The monobank jar belongs to an external recipient, not to the platform. The platform does not accept, hold or forward funds, has no access to the jar; the only request it makes to the jar link is the automatic check of the owner code on the public jar page, and it neither stores the page content nor receives any payment data. The owner of the jar disposes of the money that arrives in it.

The transfer button for the jar stays off until the legal approval of the model is received and the link and control of the jar are checked by hand. Once enabled, the button leads to the monobank page and the transfer happens there, outside the platform.

Amounts given by the organiser are the organiser’s own words. They are not confirmed by a bank and are not equal to a bank reconciliation. The label “confirmed by the bank” appears only after a senior staff member has checked the amount by hand against a statement shown outside the platform.

The organiser is responsible for the accuracy of the application and for how the money is used. The platform may pause or close a campaign because of risk, a complaint or a change of the jar link. The platform does not guarantee refunds, does not insure contributions and is not an escrow.

Whether public fundraising to a personal jar is permitted, and what tax consequences it has for the jar owner, is not established by the platform. It is a separate legal question that needs a lawyer’s opinion.