Privacy & Use
(Terms & Conditions)


Welcome to, owned and operated by Roscarich Social Association Inc.

In these Terms, “you”, “your”, “user”, or “users”, refer to the individuals who successfully completes our registration process and uses our services. “We”, “us”, or “our” refer to Roscarich, “Data” refers to all kind of information either “technical” or “personal”.

ROSCA is the financial trade method we use to save money on our platform and haste the production of money in big amounts to be borrowed in an investments on individuals and business to keep our social association platform running and save the same chance for all our members. Campaigns are the targets we create on our platform to specify the investment amounts and savings.

By using any our service, website, application, product, software, data, and content, whether you or not become a registered user of our services, you are declaring that you understand and agree to the Terms & Conditions of the Privacy & Use policy. These terms govern your access to the use of the services and constitute a binding legal agreement between you and us. If you do not agree to these terms, you have no right to obtain information or continue using our services.

We reserve the right to change the policies, terms, conditions, and rules of privacy and the use of our services at any time, any changes will become effective the day we publish these changes through any of our services channels, and we encourage you to review these terms more often, and will make it easier every time by highlighting the changes.   


We are Roscarich, a social association platform to help communities build a good standing relationship between its members  in investings together in a form of crowdfunding with the use of a financial method known legally worldwide as ROSCA, the short term for “Rotating Savings And Credit Association”, is where group of users agree to save money together in the exchange of collecting the total savings amount equally, everyone by the turn until they are all even and no one is due to another.

Our platform is about creating jobs, growing business, reducing poverty worldwide, and finding ways for communities to focus on a successful role together.

We enhanced this original method of ROSCA to solve three issues of the original concept.

  • Save bigger amounts.
  • Make it affordable.
  • Make it access easy.
  • Make it risk free.
  • Make it endless.
  • Accept Members worldwide.

Our platform uses long studied rules and methods to ensure commitments from winners. We expect every user to understand and appreciate our terms on how we made it possible for the communities.

We are not a bank, we transfer money using a worldwide respected and trusted third party internet online payments processing solution company ( Though PayPal is also not a bank only a cash handling organization, it saves all the transferred money to its own bank accounts at various banks in the USA and some other countries. PayPal uses its own security and insurance methods that adds another solid layer of security and trust. By using our service, you accept the both parties Privacy & Use (Terms & Conditions).

We collaborated with big names like PayPal in the field of the internet open market trade to ensure wide range of access around the globe so that it can be for everyone everywhere at any time.

Terms of use


We create campaigns with fixed limited number of users to join, these campaigns are targeting fixed huge amount of money that can be of value of up to 1,000,000$ or more. Every time a campaign reached the full-required number of users, a new campaign will begin.

A user can join more than one campaign, also can pay a share of savings as many times as we limit on the same campaign to have more chance to take the turn of winning earlier.

There will be no ID verification or process of approval of any sort needed for a member to participate on our services.

We made campaigns open for everyone anywhere in the world, but for many statistics, analysis, and situations like the country legal boundaries, currency, or the minimum users count from the same country, we will create another customized campaign, hopefully, sharing the news from users will get the campaign completed in no time.


Users can cancel and ask for refund of his total savings at any time, if they wish not to wait longer before taking the turn to win. The process of one refund order can takes up to 14 days, and 30 days for all payments.

If a user decides to withdraw from one full join-closed campaign, a new user from the next open campaign will take his place. Oldest joined user goes to the full previous campaign first.

We create a campaign that never ends with a specific target of huge money savings and specific number of users, It waits until every user pays his share of saving before it closes and announce the next winner (in random turn)  to benefit from this full collected amount.

A campaign will open again to collect from users just as soon after the winner announcement so that the rest of users will take turn to gain the same benefits.

If a user delays on payments for four (4) days, we will transfer him on hold to another new campaign that gathers all those who have problem paying the (share on demand) until they pay and starts another new created campaign. A new user from the next open campaign will take his place. Oldest joined user goes to the full previous campaign first.

The scenario goes on repeatedly. Campaigns will be live as long as there is new users are joining in place of those who do not deliver payments within time, as there will be always new users to join and waiting for their chance to win.


When a user wins a turn, we process the lending of the money as a contract between the winner and us, that specifies (how to spend) plans to insure (pay back) to the other users as this is what ROSCA method stands for, sharing the saving between users without losing.

We take a parcel sum of the total campaign target as a fee of service to insure payments back in the long run, consultancy and money managements for the winner, lawyers and all legal works to hand over wealth and benefits of our services.

If a winner is limited with legal demands (Not criminal), we will help him to break free and have a fair use of our services as a winner, like for examples and not limited to debts, governmental paper works, traveling boundaries that can be dealt with like traveling tickets, visas expenses, etc.

For any reasons, if a winner fails to benefit from our service being not lined-up with these agreements for example, an announcement of another winner will take his place randomly, and the failed winner will have options to continue until he solves the causes of these failures for another random turn, or draw back and withdraw his savings.

An ID verifications and clearance of any crime activates involvements will take place as a process only for winners.


Generally, we will not disclose any of your personal data, or your user content, except to provide the product or service you have requested, that are subject to confidentiality and restriction.

We understand and respect the importance of your privacy. This privacy policy tells you what personal information we collect and how we use. We will inform you about the purpose for which we intend to process any personal data, the types of third parties which we will disclose that personal data with.

We will process all personal data in line with data rights for users to request access to any data held about them. Prevent the processing of users data for direct-marketing purposes. Prevent processing that is likely to cause damage or distress to users.

We may store data and process it in any country in which we or our affiliates, subsidiaries, contractors, or agents maintain facilities, and so with using our services you consent to any such transfer of information outside of your country.

All or a portion of the business conducted by us may share technical data we gathers (anonymized only) so they cannot easily identify a specific individual, aimed only on improving our products and services.

Our services can be accessed from anywhere around the world. We store data about and from users on servers located in the United States, and we may store data on servers and equipment in other countries. By using the Services, you consent to such data transfer.

Age of users

Our Service Terms and Conditions clearly provide that users must be at least 18 years old to use the services. We do not knowingly collect personally identifiable information from users under 18. In the event that we learn that we have collected any personal information from a user under the age of 18, we will attempt to identify and delete that information from our database.

Security of data

We follow general accepted industry standards to help protect your data against unlawful or unauthorized processing of data, and against the accidental loss, or damage, however, no method of transmission over the internet, mobile technology, or method of electronic storage, is completely secure.

While we endeavor to maintain physical, electronic, and procedural safeguards to protect the confidentiality of all data that we collect online, we cannot guarantee its absolute security.

We use standard Secure Socket Layer (SSL) encryption that encodes information for such transmissions. We maintain all data on secure servers. We protect access to stored data with multi layered security controls including firewalls, role-based access controls, and passwords.

We are using to secure all processed bank account data, using servers that constantly scan your browser to ensure it is using the most recent, up-to-date data encryption technology. Our website is secure with HTTPS connections. None of our company’s internal servers is able to view or obtain plaintext or digital information of the credit card information, but it has rather recorded and securely handled only on

Data we collect.

We collect required data only by acquiring it willingly from you, because you are using our services and these services can’t be personalized to you without this data, for example your name, address, email, financial information, and other similar personal data.

We, or third parties on our behalf, may collect technical data, like for example hardware specification, geographic location, access times and duration. (This site or product includes IP2Location LITE data available from

We may perform statistical analysis of user behavior in order to measure interest in our online products and services for product development purposes.

Our services allow you to access the data on your profile in social networks, and to interact through features on the social networks. Access using social network require express authorization by you to obtain information about you that is available on the social network, for example name and surname, as well as to interact with our account. For further information on the use of Personal Information by social networks, you should review their respective privacy policies.

We may include links to third-party websites, plug-ins and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy statements. When you leave our website, we encourage you to read the privacy policy of every website you visit.

It is important that the personal data we hold about you is accurate and current. Please keep us informed if your personal data changes.

We may collect, use, store and transfer different kinds of personal data about you as follows:

Identity data includes first name, last name, marital status, title, date of birth and gender.

Contact data includes billing address, delivery address, email address and telephone numbers.

Financial data includes bank account and payment card detail.

Transaction data includes details about payments of our products and services you have purchased from us.

Technical data includes IP address, your login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform, and other technology on the devices you use to access our website.

Profile data includes your username and password, and your activities on our website, your interests, preferences, feedback, and survey responses.

Usage data includes data about how you use our website, products, and services.

Marketing and communications data includes your preferences in receiving marketing from us and our third parties and your communication preferences.

We do not collect data about your race, or ethnicity, religious, or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about your health, and genetic and biometric data.

Data we transfer.

We may transfer data to an individual’s hard drive using cookies, Pixel, or any similar technology to save you time by eliminating the need to repeat the required data.

You can modify your browser setting to decline cookies or to request your permission each time a service attempts to set a cookie. Please be aware that the website designed to operate with cookies enabled in your internet browser, and if you choose to decline cookies, you may not be able to sign in or use other interactive features of the Services that depend on cookies.

Data delete and access request.

If you have any questions or concerns about this privacy policy, or you would like to delete your personal data, access to, or to make changes to data we have collected from you via our services that you have provided us, please contact us for this request. Please note that even if you request that we delete data we have collected from you, we may retain data collected from you in an aggregated or anonymized form that does not identify you. We also will not delete your data if we are legally required to maintain it.

We will not keep personal data longer than is necessary for the purposes for which they were collected. We will take all reasonable steps to destroy, or erase from our systems, all data that are no longer required.

Data request must be formal. Employees who receive a request should forward it to the Data Protection Compliance Manager who is the CEO, unless another designated employee. When receiving telephone enquiries, we will only disclose personal data we hold to a person who is entitled to it by confirming his identity.


Except as disclosed in this agreement, we do not share your data with any outside parties. We will use the data directly submitted by you and your user content only for the purpose of which you have provided it, such as processing transactions that includes related communications, providing notices, updates, security alerts, and support.

We will be permit third parties to obtain only the data they need to provide the services, we will be requiring them to maintain the confidentiality of these data, and we will prohibit them from using it for any other purpose.

If we are under a duty to disclose or share a data in order to comply with any legal obligation, or in order to enforce or apply any contract with the data subject or other agreements, or to protect our rights, property, or safety of our employees, members, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

If we go through a corporate sale, merger, reorganization, dissolution or similar event, data we gather from you may be part of the assets transferred, or shared, in connection with due diligence for any such transaction. Any acquirer or successor company may continue to use the data we collect from you as described in this notice.


We may include advertisements on our behalf or paid advertisements on behalf of interested companies or individuals on our platform. By clicking on the advertisements, the User may be shifted to a web site of the advertiser or receive other messages, information, or offers from the advertiser.

Users acknowledge and agree that we are not liable for the privacy practices of advertisers or the content of their web sites, information, messages or offers.


By using our service, you agree that you will not violate any local, state, provincial, national, or other law or regulation, including, without limitation:

Using manual or automated software, devices, scripts robots, other means or processes to access, scrape, crawl, copy, store, spider, or otherwise access any information and any web pages or other service contained in our services for purposes not expressly permitted by these Terms.

Interfere with, or damage the service, including, without limitation, through the use of viruses, cancel bots, Trojan horses, harmful code, flood pings, denial-of-service attacks, packet or IP spoofing, forged routing or electronic mail address information, or similar methods or technology.

Using the service to transmit, distribute, post or submit any information concerning any other person or entity, including without limitation, photographs of others without their permission, personal contact information, or credit, debit, or bank account numbers.

Using the service in connection with the distribution of unsolicited commercial email (spam) or advertisements.

Stalk, or harass, any other user of our service, or collect, or store any personally identifiable data about any other user.

Recruit, or solicit, any other user to join third party services or websites that are competitive to us.

Impersonate any person or entity, or falsify, or misrepresent yourself or your affiliation with any person or entity.

Use automated scripts to collect information or otherwise interact with our services without prior approval.

Post, upload, publish, submit or transmit any patent, copyright, trademark, trade secret, moral rights or other intellectual property rights, or rights of publicity or privacy.

Violates, or encourages any conduct that would violate, any applicable law or regulation or would give rise to civil liability of fraudulent, false, misleading or deceptive, defamatory, obscene, pornographic, vulgar, or offensive, promotes discrimination, bigotry, racism, hatred, harassment, or harm against any individual or group.

Violent or threatening or promotes violence or actions that are threatening to any other person, or promotes illegal or harmful activities or substances.

Systematically retrieve data or other content from our services to create or compile, directly or indirectly, in single, or multiple downloads, a collection, compilation, database, directory or the like, whether by manual methods, through the use of bots, crawlers, or spiders, or otherwise.

Using display, mirror, or frame our services names, or any trademarks, logos or other proprietary information, or the layout and design of any page or form contained on a page, without express written consent.

Access, tamper with, or use, non-public areas of the service, our computer systems, or the technical delivery systems of our services or any third-party provider system.

Attempt to probe, scan, or test the vulnerability of any of our system or network or breach any security or authentication measures.

Avoid, bypass, remove, deactivate, impair, descramble, or circumvent any technological measure implemented by us, or any of our providers, or any other third party to protect the services or collective content.

Forge any TCP/IP packet header or any part of the header information in any email or newsgroup posting, or in any way using our services, or collective content, to send altered, deceptive, or false source-identifying information.

Attempts to decipher, decompile, disassemble or reverse engineer any of the software used to provide our service or collective content.

Advocate, encourage, or assist, any third party in doing any of the foregoing.

We have the right to investigate and prosecute violations of any of the above to the fullest degree of law.

We may involve and cooperate with law enforcement authorities in prosecuting users who violate these terms.

You acknowledge that we have the right to monitor your access to, or use of our services, or content, or to review, or edit, any user content, from and within our platform and services to operate our services, and to ensure your compliance with these terms.

If you are a copyright owner or an agent of, and believe that any content infringes upon your copyrights, you may submit a notification pursuant to the Digital Millennium Copyright Act (DMCA) by providing us the detail to resolve.


You acknowledge and agree that the services and collective content, including all associated intellectual property rights, are the exclusive property of Roscarich. You will not remove, alter or obscure any copyright, trademark, services mark or other proprietary rights. Any other trademarks, service marks, logos, trade names and any other proprietary designations are the trademarks or registered trademarks of their respective parties.

Subject to your compliance with these terms, we grants you a limited, personal, non-exclusive, revocable, non-transferable license to electronically access and use our services for your personal and non-commercial purposes and, access and view any user contents to which you are permitted access for your personal and non-commercial purposes. You have no right to sublicense the license rights granted in this section.

You will not use, copy, adapt, modify, prepare derivative works based upon, distribute, license, sell, transfer, publicly display, publicly perform, transmit, broadcast or otherwise exploit our service orc content, except as expressly permitted in these terms.

No licenses or rights granted to you by implication or under any intellectual property rights owned or controlled by Roscarich, except for the licenses and rights expressly granted in these terms.

You grant us any user contents on our platform worldwide with the right to create derivative works, sublicense, use, edit, view, copy, adapt, modify, distribute, license, sell, host, market, transfer, publicly display, publicly perform, transmit, stream, broadcast, access, and fully exploit through or by our services as currently exist, or may be developed in the future.

Controlling Law and Jurisdiction

You agree that our services deemed in Saudi Arabia, and our services deemed a passive website that does not give rise to personal jurisdiction over us, either specific or general, in jurisdictions other than Saudi Arabia.

These terms governed by the internal substantive laws of the Saudi Arabia, without respect to its conflict of laws principles.

You and we agree to submit to the personal jurisdiction of a state court located in Jeddah – Saudi Arabia, for any actions for which the parties retain the right to seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual violation of a party’s copyrights, trademarks, trade secrets, patents, or other intellectual property rights.

You and we agree that any cause of action arising out of our services or collective content must commence within one year after the cause of action accrues, otherwise such cause of action permanently barred and waived.

These terms intended to govern the agreement between you and us to the extent permitted by all applicable laws, ordinances, rules, and regulations. If any provision of these terms or the application thereof to any person or circumstances shall, for any reason or to any extent, be invalid or unenforceable, the remainder of these terms and the application of such provision to other persons or circumstances shall not affect, but rather be enforced to the greatest extent permitted by law.