Refund & Stake Forfeiture Policy

1. Why this policy exists

PayToCommit is an accountability product. The commitment only works if the money cannot be pulled back after the decision is made. If refunds were available after checkout, the challenge would stop being a real consequence.

2. What happens when you pay

• Your payment is processed through Stripe.
• The disclosed fees are applied.
• Your stake is committed to the challenge you selected.
• You cannot cancel, reduce, or withdraw the stake early.

3. If you finish

If you reach your goal by the deadline and your verification is approved, your stake is eligible to be returned to you. The disclosed withdrawal fee still applies.

4. If you do not finish

If you miss the goal, fail to submit valid verification, or submit fraudulent verification, your stake is forfeited. There is no partial return for partial progress.

5. What does not qualify for a refund

• Changing your mind after checkout
• Quitting during the challenge
• Missing the goal by a small amount
• Forgetting to submit verification
• Disliking the rules after joining
• Financial hardship after the challenge has started

6. Disputes

Disputes are limited to alleged verification errors. If you believe a valid completion was rejected in error, email goals@paytocommit.com within 7 calendar days with the details.

7. Contact

For questions about this policy, contact goals@paytocommit.com.