Terms of Service

These Terms govern your use of PayToCommit, a weight-loss accountability product operated by PayToCommit LLC at paytocommit.com. By using the site or joining a challenge, you agree to these Terms.

1. What PayToCommit is

PayToCommit helps people commit money toward a weight-loss goal with a deadline. You start with a free assessment, review the safe options that fit your numbers, and decide whether to join a challenge.

PayToCommit is not medical care, a doctor, a clinic, or a treatment program. We do not give medical advice. You are responsible for speaking with your own doctor before starting any weight-loss plan.

2. Eligibility

• You must be between 20 and 65 years old.
• You must provide accurate assessment information.
• You must have legal capacity to make a binding financial commitment.
• You must only join a challenge if your doctor says a weight-loss effort is appropriate for you.
• You must be in a jurisdiction where this type of accountability product is allowed.

3. Assessment and challenge selection

The assessment uses your sex, age, height, current weight, and goal to decide which options are safe to show you. Some goals may appear as unavailable if they would take you below the healthy minimum weight for your height or otherwise fail our safety checks.

You are responsible for choosing from the safe options shown to you. If the information you entered is false or misleading, your result may be wrong and your account may be suspended.

4. Joining a challenge

If you choose to join, you commit at least $500 USD toward the selected challenge. The amount you commit is your stake.

Before checkout, we show the challenge details, the minimum stake, the fees, and the no-refund rule. You should only continue if you understand and accept those terms.

5. Fees

• Deposit fee: 1%
• Platform fee: 2%
• Network fee: 2.5%
• Withdrawal fee: 2% when money is returned

Fees are disclosed before checkout and are non-refundable.

6. What happens if you finish

If you reach your goal by the deadline and your verification is approved, your stake becomes eligible to be returned to you. Applicable fees still apply, including the disclosed withdrawal fee.

7. What happens if you do not finish

If you do not reach your goal by the deadline, do not submit valid verification, or submit fraudulent verification, your stake is forfeited. There is no partial refund for getting close.

8. Verification and fraud

To verify completion, you must submit the proof required in your account. We may use automated review, manual review, or both. If we believe you submitted altered, misleading, or fraudulent proof, we may reject the submission, forfeit the stake, suspend the account, and take further action when necessary.

9. Refunds and disputes

Once you join a challenge, there are no refunds, cancellations, or early withdrawals. Disputes are limited to alleged verification errors. If you believe a verification decision was wrong, email goals@paytocommit.com within 7 calendar days.

10. Account access and acceptable use

PayToCommit uses passwordless sign-in by email. You are responsible for access to the email account tied to your PayToCommit account. You may not misuse the platform, attempt to bypass safety checks, create false accounts, or file fraudulent payment disputes.

11. Limitation of liability

To the fullest extent permitted by law, PayToCommit LLC is not liable for indirect, incidental, special, or consequential damages arising from your use of the platform. Our total liability is limited to the amount of fees you paid to PayToCommit in the 12 months before the claim.

12. Contact

Questions about these Terms can be sent to goals@paytocommit.com.