📜 Terms & Conditions

Effective Date: August 4, 2025

1. Acceptance of Terms

By using KeepOrBurn ("Service"), you agree to be bound by these Terms & Conditions ("Terms"). If you disagree with any part of these terms, you may not access the Service.

2. Service Description

KeepOrBurn is a commitment challenge platform that allows users to create financial commitments with themselves. Users pledge money and must complete their commitment by a deadline to receive a refund.

3. User Eligibility and Responsibilities

  • You must be at least 18 years old to use this service
  • You must provide accurate and complete information
  • You are responsible for maintaining the security of your email account
  • You must not use the service for illegal or fraudulent purposes
  • You are responsible for all activities under your email address

4. Commitment Rules

  • Commitments must be specific, measurable, and achievable
  • Deadlines must be reasonable and realistic
  • Witness emails must be valid and belong to a real person
  • We reserve the right to reject inappropriate commitments
  • Commitments cannot be modified after creation

5. Payment Terms

  • All payments are processed securely by Stripe
  • Payment is required immediately upon commitment creation
  • We do not store your payment card information
  • Payment amounts are non-refundable except as specified
  • All amounts are in USD unless otherwise specified

6. Refund Policy

  • Successful completion: 90% refund to original payment method
  • Failed commitment: No refund (amount is "burned")
  • Platform fee: 10% retained for successful commitments
  • Refunds are processed within 5-10 business days
  • No refunds for technical issues beyond our control

7. Completion Verification

  • Completion is verified through email responses from you and your witness
  • Both parties must confirm completion within the deadline
  • We reserve the right to request additional verification
  • False claims may result in account termination

8. Prohibited Activities

  • Creating fake or fraudulent commitments
  • Using multiple email addresses to manipulate the system
  • Attempting to hack or disrupt the service
  • Violating any applicable laws or regulations
  • Harassing other users or service personnel

9. Intellectual Property

All content, features, and functionality of KeepOrBurn are owned by Szollos.ee and are protected by copyright, trademark, and other intellectual property laws.

10. Limitation of Liability

  • We are not liable for lost funds due to user error or missed deadlines
  • We are not responsible for technical issues beyond our control
  • Our liability is limited to the amount paid for the specific commitment
  • We do not guarantee the success of your commitments

11. Disclaimers

  • The service is provided "as is" without warranties
  • We do not guarantee uninterrupted or error-free service
  • We are not responsible for third-party services (Stripe, email providers)
  • Results depend on individual effort and circumstances

12. Termination

We may terminate or suspend access to our service immediately, without prior notice, for any reason, including breach of these Terms.

13. Governing Law

  • These terms are governed by the laws of the jurisdiction where Szollos.ee is incorporated
  • EU users have additional rights under GDPR
  • Disputes will be resolved through binding arbitration

14. Changes to Terms

We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting. Continued use constitutes acceptance of new terms.

15. Contact Information

For questions about these terms, contact us at:

Email: szollosee@gmail.com

Legal Department: Available upon request