Draft, last updated November 12, 2026. Pending legal review.
Who can use Yearnly
You must be 18 or older and live in the United States. One account per person. You're responsible for what happens on your account, so keep your password to yourself.
What Yearnly is
Yearnly is a bulletin board. People post everyday wants and needs, and others can choose to chip in. Yearnly never holds your money. It takes no cut of app gifts and a small fee on card gifts (below). App gifts go straight from the giver to the poster through Cash App, Venmo, or PayPal, under that app's own terms. Card gifts are paid straight into the poster's own Stripe account.
Card gifts
Card, Apple Pay, and Google Pay gifts are processed by Stripe. The giver pays exactly the amount they enter. Stripe's card fee (about 2.9% + 30¢, more for cards from outside the US) and a 1% Yearnly platform fee come out of each card gift, and the recipient gets the rest. The amount that counts toward a post is what the recipient gets. Gifts sent through Cash App, Venmo, or PayPal have no Yearnly fee. Payment processing services for recipients are provided by Stripe and are subject to the Stripe Connected Account Agreement, which includes the Stripe Terms of Service. By taking card gifts, you agree to it, and you let Yearnly share your information and transactions with Stripe. Refunds and card disputes come out of the recipient's Stripe balance. Yearnly may refund a card gift that was fraud or a mistake.
Gifts are gifts
A gift is voluntary and final. It isn't a loan, purchase, investment, or charitable donation, and it isn't tax-deductible. Posts aren't verified. Yearnly doesn't check that a need is real or that money is used as described, and can't get a gift back for you. Chip in only what you're comfortable giving away, at your own risk.
What you can't post
- Business, startup, product, inventory, pre-order, or investment fundraising, or anything that promises a return.
- Requests over $1,000, false stories, or requests for someone else without their permission.
- Harassment, hate, threats, sexual content, or anything illegal.
- Other people's private information, or your own account numbers or medical details.
The Community Rules are part of these terms.
Moderation
Anyone can report a post or a person. We may hide or remove posts, and suspend or ban accounts, that break these terms, with or without notice.
Your content
You own what you post. You let Yearnly show it on the site so the service can work. You can delete your posts and your account at any time from your profile.
Taxes and payment apps
You're responsible for any taxes on gifts you receive, and for following the terms of the payment app you use.
No warranty
Yearnly is provided as is, without warranties. To the fullest extent the law allows, Yearnly isn't liable for gifts, losses, or disputes between users.
Changes
We may update these terms. If you keep using the site after a change, you accept the new terms.
Questions: support@yearnly.app