Draft document
Direct transfers to the OSBB account
This English text is an informational reference translation of the Ukrainian original; the Ukrainian version is the one that applies, and the document is a draft pending review by a Ukrainian lawyer.
Draft document. It has not passed legal review and is not an approved version. The text describes how the platform behaves today and awaits review by a Ukrainian lawyer.
Requires review by a qualified Ukrainian lawyer before it takes effect. The text is not legal advice and does not certify compliance with legal requirements.
Draft explanation. How funds move and why the platform never receives, holds or forwards money.
The principle in brief
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.
The resident transfers funds from their bank app to the account of the OSBB or ZhBK. There is no payment form, wallet, card acquiring or platform account for contributions.
Step by step
Step 1. The OSBB or ZhBK goes through verification, and platform staff check that the account belongs to the organization.
Step 2. The fundraising page shows the details, a QR code and the payment purpose. Check them in your bank app before making the transfer.
Step 3. You transfer the funds directly to the organization's account. The "I have made a transfer" button only creates a declaration.
Step 4. An authorized representative of the organization obtains the bank statement outside the platform and reconciles it against the declarations, and a second person approves the reconciliation.
Step 5. Only after that does the amount become confirmed and appear in the report.
What "confirmed" means
A declaration and a receipt are the resident's word, not proof of crediting. Confirmation is a manual match against a bank statement. The confirmed amount may lag behind the actual transfers.
A reconciliation of 50 000 UAH or more, and a reconciliation with other risk indicators, is flagged as elevated risk and reviewed with particular care.
Check before you transfer
Before making a transfer, check the details in your bank app: the full name of the recipient, the EDRPOU code and the account number. If the details do not match, do not make the transfer and report it.
A change of details immediately suspends the fundraiser; the new details appear only after verification by two staff members.
Suppliers are not recipients
Equipment suppliers, including SunEco, are not recipients of residents' contributions. The contractor is paid by the OSBB from its own account under a contract and acceptance certificates.
What this does not guarantee
Verification of registration documents and authority is not confirmation of payments by a bank.
The platform does not guarantee that funds will be used for their intended purpose or that works will be carried out, and does not refund money because it does not receive it. Refund questions are resolved by the OSBB and the bank.
As of the date of this draft, accepting contributions through the platform is switched off (the platform does not accept money at all); only the operator switches it on, after all checks are complete.
Fundraising to a monobank jar (quick application)
A quick application has no OSBB account: the recipient is the owner of the monobank jar. The platform is not a party to the transfer, does not see the owner’s account and does not substitute the link.
Before transferring, check the name of the jar and its owner in the monobank app. The link must lead to send.monobank.ua.
The amount on the page is “according to the organiser” until it has been checked against a statement. The platform cannot refund money and does not guarantee that it is used as intended.