Milestone-based fund release, a two-stage dispute process, and full pledge refunds — including our 5% platform fee — when things go wrong.
No vague promises. Concrete triggers, concrete timelines, concrete amounts — written before anything goes wrong, so there's no ambiguity when it does.
Last updated: 25 May 2026
Up to full refund on fraud
Full pledge back on confirmed fraud. Undisbursed funds back on good-faith failure.
Two-stage process
Creators get 7 days to respond to a concern before a dispute opens.
Platform fee refunded too
Our 5% comes back with the rest. You pledged $100, you get $100 back.
get that bread is a crowdfunding marketplace that connects backers with independent creators. We are not the seller, manufacturer, or fulfiller of any reward or campaign, and we do not guarantee the outcome of any campaign.
Creators are independent third parties solely responsible for the accuracy of their campaign, the delivery of rewards, and compliance with applicable laws. Our role is to hold funds pending milestone release, facilitate the dispute process, and apply this policy where triggers are met — not to act as an insurer, guarantor, or co-obligor for creator performance. Our holding of pledge funds does not create a trust, fiduciary relationship, or any other special relationship between us and any Backer or Creator. All funds are held and processed through regulated third-party payment providers; our role is limited to facilitating instructions for release or refund in accordance with these Terms and this policy.
By backing a campaign, you acknowledge that we cannot control what any creator will or will not do, and that our ability to refund amounts already released to a creator depends on our ability to recover those funds from the creator.
If get that bread ceases operations. Funds held on our platform balance prior to release are, as a matter of law, our assets and may be subject to our creditors. In any wind-down we will use commercially reasonable efforts to direct our payment provider to issue refunds for any un-released pledge balances before other distributions. This is standard for crowdfunding marketplaces operating without a separate trust account, and we disclose it here so backers can make an informed decision.
You can file a dispute in any of these situations:
Outside these triggers, if you're unsure — email us anyway. We'd rather hear from you early than after you've lost confidence in a project.
Time limit. Disputes should generally be filed within 12 months of the relevant event — the campaign end date, the missed milestone due date, or the date you first became aware of the fraud or misrepresentation, whichever is later. We may, acting reasonably, decline to investigate disputes filed outside this window, and will provide written reasons. Exceptional circumstances considered on application. The 12-month window applies to our internal dispute process only; statutory remedies under Singapore law remain available regardless.
The amount depends on what caused the failure. We classify each case into one of two buckets, based on the evidence available to us, acting reasonably and in good faith. The classification is final within our internal dispute process; it does not waive your right to pursue other remedies (chargeback, Small Claims Tribunal, mediation, or court).
Worked example. You pledge S$100. Milestone 1 is approved and S$40 is released to the creator. Then the creator stops delivering.
Either way, the 5% platform fee is refunded in full. We don't keep our cut when a pledge is refunded.
Who decides which bucket? We do — based on the investigation evidence. Backers cannot self-classify their refund tier. If you disagree with the decision, you may request a senior review within 7 calendar days by replying to your dispute thread with new information or a written appeal; a separate reviewer will re-examine the case within 14 calendar days. Our classification is otherwise final within our internal dispute process. You remain free to pursue other remedies (bank chargeback, Small Claims Tribunal, mediation), but we ask that you speak to us first — we can usually resolve matters faster.
Real projects run into real delays. Before a formal dispute opens, we give the creator a chance to respond — because most concerns turn out to be communication gaps, not failures.
Discretionary early escalation.We may, at our discretion, skip Stage 1 and open a dispute on backers' behalf when:
We'll reach out to affected backers when this happens.
| Event | Target |
|---|---|
| Initial ticket response | 2 business days |
| Creator response window (Stage 1) | 7 calendar days |
| Dispute investigation (Stage 2) | Up to 14 calendar days |
| Card refund processing (once approved) | 5–10 business days to the original card |
| PayNow refund processing (once approved) | Up to 14 business days; backer may need to confirm the receiving PayNow proxy with us before payout |
| Discretionary escalation thresholds | Milestone 45+ days overdue with no creator update — OR — 90+ days with no substantive campaign update |
Timelines are targets, not guarantees. Complex cases involving third-party payment processors or creator recovery proceedings may take longer. We'll keep you updated if a case exceeds these windows.
Some things fall outside what this policy can cover:
get that bread operates as an intermediary and our liability to you in connection with any pledge or dispute is limited to:
We are not liable for:
Nothing in this policy limits or excludes our liability for our own fraud, wilful misconduct, or gross negligence, or any liability that cannot be excluded by law.
Creator indemnity. By launching a campaign, creators agree to indemnify and hold harmless get that bread for any losses, costs, claims, or expenses we incur as a result of their misrepresentation, fraud, or failure to honour their obligations to backers — including any amounts we pay out to backers pending recovery.
Recommended: Use the in-app form on your My pledges page or on the campaign page itself (look for "Report a concern"). Submitting in-app speeds up our response — we aim to acknowledge within 2 business days.
Can't use the form? Email hello@getthatbread.sg with:
Before you file a bank chargeback:please talk to us first via the in-app form or email. We can usually resolve disputes faster than your bank's 30+ day window, and filing a chargeback locks the process on our side and can delay your refund.
Please contact us before filing a chargeback with your bank or card issuer. We can usually resolve disputes faster than the standard 30+ day bank process, and filing a chargeback while a platform dispute is open may suspend or terminate our internal investigation, delay your refund, or affect your eligibility for a platform refund on that transaction.
If you have already filed a chargeback, please notify us. We will not process a parallel platform refund for the same transaction. We may provide your bank with transaction records, campaign content, and platform communications in response to a chargeback. Any chargeback filed without a reasonable basis may affect your standing on the platform. This does not affect your rights with your payment provider.
For the high-level summary of how backer protection works on get that bread, see Backer protection. For the full legal terms, see Terms of service. This policy is incorporated into those Terms by reference.