Love Drop Policy

Love Drop is a way for members to help each other with a real, everyday need. MomKin is not a charity or a fundraising platform, and it does not collect donations for anyone.

• Drops are gifts. They are not tax-deductible donations, and you will not receive a donation receipt.
• MomKin does not verify any need as charitable, urgent or tax-exempt.
• Nothing in Love Drop is a loan. No one owes anyone a repayment.

Only Builder members may post a need, and only one need per calendar month, for $50 or less. Saver members can drop love on other moms’ needs but cannot post their own.

A need has to fit one of our categories, and it is always fulfilled either as a store eGift card from our approved store list or as a bill paid directly to the company:

• Bills & Utilities: electric, water, gas, phone or internet.
• Groceries: food for the week.
• Baby Needs: diapers, wipes, formula, bottles.
• Pregnancy & Maternity: maternity clothes, prenatal vitamins, hospital bag items.
• Medical Supplies: over-the-counter items and first aid only, never prescriptions.
• Clothing and Shoes: for her or for her kids.
• School Needs: supplies, uniforms, backpacks.
• Household Basics and Other Essentials: everyday basics up to $50.

• Not allowed: cash, rent or car payments, prescriptions, gift cards to resell, luxury items, or anything over $50.
• Bills & Utilities needs need a copy of the bill showing the company, account number, amount and your name.
• Every need is reviewed before it appears on the board. A need may be declined, and we may ask for more detail.

MomKin never sends cash to the person who posted the need, and no money is ever paid out to her as a withdrawal or transfer. Once a need is fully funded it is fulfilled one of two ways, depending on what she picked.

• Store gift card: MomKin buys an eGift card from one of our approved stores and emails it to the address on her account. She chooses what to buy with it.
• Utility bill: MomKin pays the utility company directly using the bill she uploaded, and keeps the payment confirmation on file.
• MomKin may add money of its own to finish a need. That is a gift from MomKin and is not a sale or an earning.
• A need is marked delivered once the gift card is sent or the bill is paid.

Drops come from Love Drop credits or the wallet balance you already have in MomKin. Any active member can buy Love Drop credits by card in $5 packs. Credits are used first, can only be dropped on Love Drop needs, and are never cashed out, withdrawn or refunded as money.

• The default limit is $5 per need. You can ask for a higher limit, and MomKin reviews each request.
• You cannot drop love on your own need.
• A drop is taken from your Love Drop credits first, then your available wallet balance, the moment you confirm it.

Needs run for the month they belong to. If a need is not fully funded when the month closes, the drops on it are returned to each donor, unless that donor chose to roll her drop over to the next mom in line.

• Returned love goes back where it came from: credits go back to your Love Drop credits (to drop again), and wallet money goes back to your MomKin wallet and can be dropped again or withdrawn like any other wallet balance.
• A rolled-over drop moves to the next approved need that still needs help.
• You get a notice in Love Drop either way, so you always know where your money went.

Love Drop money is a gift, not a sale. Drops never earn a commission, are never counted as membership sales, and never count toward a rank or a rank bonus.

Love Drop only works if everyone is honest. A false or misleading request, a request for cash, asking for a gift card you do not intend to use for the need, or trying to move money through Love Drop could end your access to Love Drop or your membership, and we may reverse related drops.

Utility bills and receipts you upload for Love Drop are kept private and are visible only to MomKin staff who review and pay needs. They are used only to verify the need and pay the bill, never shared with other members or Partners.