MMEDU Policy
Donation Policy
How the Foundation accepts, records, allocates, safeguards and, where appropriate, returns donations.
Muslim Mehdi Education Foundation
A company set up under Section 42 of the Companies Act, 2017
SECP Licence No. 1767 · Licence dated 7 April 2023
Effective date: 2 September 2026
1. Purpose and scope
This Donation Policy explains the principles and procedures that apply when Muslim Mehdi Education Foundation accepts donations, grants, contributions, gifts in kind or other charitable support. It applies to donations made through the Website and through other authorized Foundation channels.
The Foundation is a not-for-profit company licensed under Section 42 of the Companies Act, 2017. All money, property, donations and income of the Foundation must be used solely to promote its approved objects and may not be distributed to members as profit.
2. Core principles
- Donations will be used only for the Foundation’s lawful and approved charitable objects and related permitted costs.
- Donations and charitable assets will be subject to appropriate financial controls, authorization, recordkeeping, audit and oversight.
- The Foundation will seek to respect a donor’s stated restriction where the restriction is accepted by the Foundation and is lawful, practical and consistent with its approved objects.
- The Foundation may refuse, return or seek clarification about a donation that creates legal, regulatory, ethical, safeguarding, sanctions, fraud, money-laundering, terrorist-financing or material reputational concerns.
- Donor information will be handled in accordance with the Foundation’s Privacy Policy and applicable law.
3. Authorized donation channels
Donors should use only donation channels officially published by the Foundation, such as the Foundation’s bank account, approved payment gateway, authorized online donation page, approved mobile-wallet account or other channel expressly communicated by the Foundation.
The Foundation will not be responsible for funds sent to an unauthorized personal account, unofficial collection page or person falsely claiming to represent the Foundation.
4. Banking-channel and cash requirements
As a general rule, the Foundation will receive funds, grants, contributions and donations through proper banking channels. Donations received in kind are handled separately under section 11 below.
Where permitted under the applicable Section 42 regulations, cash donations of PKR 20,000 or less may be accepted provided that proper donor and accounting records are maintained and the amount is deposited into the Foundation’s bank account no later than three working days after receipt. The Foundation may adopt stricter internal controls and may decline cash donations.
5. Foreign-source donations
The Foundation will not solicit, receive or accept a donation from a foreign source unless the prior permission, clearance or approval required by applicable Pakistani law, regulation or Government policy has been obtained. Availability of an online payment method does not, by itself, mean that the Foundation is authorized to accept foreign-source donations.
Foreign donors may be asked to provide identification, source-of-funds information, purpose of donation or other documentation required by the Foundation, its bank, payment provider or relevant authority.
6. Unrestricted and restricted donations
6.1 Unrestricted donations
An unrestricted donation may be applied by the Foundation to any of its approved objects and related permitted costs, based on programme need, urgency, effectiveness, safeguarding requirements and Board-approved priorities.
6.2 Restricted or campaign-specific donations
A donation is treated as restricted only where the Foundation has expressly offered a restricted fund/campaign or has otherwise accepted the donor’s restriction in writing. The Foundation will make reasonable efforts to apply such funds to that purpose.
If a restricted purpose is fully funded, completed, cancelled, becomes unlawful, impracticable or can no longer be pursued effectively, the Foundation may apply remaining funds to a substantially similar approved charitable purpose, unless the terms of the appeal or applicable law require another approach. Where practicable and appropriate, material reallocation may be communicated to affected donors.
7. Use of donations and administrative costs
Donations may support direct programme costs and reasonable costs necessary to deliver and govern the Foundation’s charitable work, including administration, compliance, audit, banking/payment charges, safeguarding, monitoring, technology, fundraising and other lawful support costs. Restricted donations will be managed in accordance with the terms of the accepted restriction.
No portion of the Foundation’s income or profits will be distributed to members as dividend, bonus or other profit.
8. Donor identification and due diligence
The Foundation may request a donor’s name, contact details, CNIC/NICOP/passport information, nationality, bank/payment details, source of funds, purpose of donation, beneficial-owner information for organizations, or other information reasonably required for accounting, audit, banking, sanctions, anti-fraud, anti-money-laundering, counter-terrorist-financing or regulatory compliance.
A donor’s refusal or inability to provide required information may result in a donation being delayed, rejected or returned, subject to applicable law and payment-provider rules.
9. Sanctions, prohibited funds and safeguarding of charitable assets
The Foundation will not knowingly accept or apply donations in a manner that benefits a person or entity prohibited by applicable law or sanctions requirements. It may conduct proportionate screening and may take any action required by law, a regulator, a competent authority, a bank or payment provider, including declining, holding, returning or reporting a transaction where legally required.
The Foundation will maintain internal controls designed to safeguard charitable assets and reduce the risk of fraud, diversion, misuse or unauthorized disbursement.
10. Donation receipts and acknowledgements
Where practicable, the Foundation will issue a donation acknowledgement or receipt containing relevant transaction information. Donors are responsible for ensuring that the name and contact information supplied for the receipt are accurate.
A donation receipt does not by itself guarantee that the donation is deductible for income-tax purposes. Tax treatment depends on the Foundation’s current tax approvals, applicable Pakistani tax law and the donor’s circumstances. Donors should obtain their own tax advice where needed.
11. Donations in kind
The Foundation may accept goods, equipment, books, supplies or other non-cash items only where they are useful, safe, lawful, suitable for the Foundation’s programmes and practical to store, transport and distribute. The Foundation may refuse items that are damaged, unsafe, inappropriate, excessively costly to handle, subject to unclear ownership, or inconsistent with its approved objects.
Unless required by law or supported by an appropriate independent valuation, the Foundation may describe an in-kind gift on an acknowledgement without assigning a monetary value. Responsibility for any donor-side valuation or tax claim remains with the donor.
12. Refunds, errors and unauthorized donations
Charitable donations are generally final and non-refundable once validly received and committed to charitable purposes. However, the Foundation may consider a refund where a donation was duplicated, made in error, processed for the wrong amount, made without proper authorization, or where refund is otherwise required by law or payment-provider rules.
A refund request should be made promptly using the official contact details and should include sufficient transaction information for verification. Any approved refund will ordinarily be returned to the original payment method where practicable. The Foundation may decline a refund where the funds have already been lawfully applied or committed, unless the law requires otherwise.
13. Recurring donations
Where recurring donations are offered, the donor authorizes the stated periodic charge until cancellation. Donors may cancel future recurring charges through the method provided by the Foundation or by contacting us before the next scheduled processing date. Cancellation of future charges does not automatically refund donations already processed.
14. Fees, currencies and exchange rates
Banks, card networks, payment gateways or other providers may deduct transaction, transfer or currency-conversion charges. Unless the Foundation expressly states otherwise, the charitable amount received may therefore differ from the gross amount initiated by the donor. Any displayed foreign-currency equivalent is indicative unless the payment provider confirms the final exchange rate and amount.
15. Donor recognition and anonymity
The Foundation may acknowledge donors in reports, events or other communications only where appropriate and consistent with the donor’s preferences and privacy requirements. A donor may request public anonymity, but the Foundation may still need to retain or disclose the donor’s identity internally or to banks, auditors, regulators or authorities where legally required.
16. Financial records and accountability
Donation records will be maintained as part of the Foundation’s financial and compliance systems. The Foundation will keep proper books of account, supporting records and audit documentation for the periods required by applicable law. Funds will be subject to the Foundation’s authorization procedures, Board oversight and external audit requirements applicable to the Foundation.
17. Complaints and concerns
A donor who has a question or concern about a donation, receipt, campaign, use of funds or fundraising communication should first contact the Foundation so that the matter can be reviewed and, where appropriate, corrected or escalated under the Foundation’s complaint-handling process.
18. Changes to this Donation Policy
The Foundation may update this Donation Policy to reflect changes in law, regulation, banking requirements, payment methods, programmes or internal controls. The current version will be published on the Website with its effective date.
19. Donation contact
Donation & Fundraising Enquiries
Email: office@mmedu.org
Telephone: 0332 5441317
Office Address: Plot #281, Street 51, Sector 2, Gulshanabad, Adyala Road, Rawalpindi
For a refund request, include the donor name, transaction date, amount, payment method and transaction/reference number.