Last updated: April 22, 2026 · Effective date: April 22, 2026
These Terms of Service ("Terms") are a legal agreement between you and CHALLENGRS LLC, a Delaware limited liability company with a principal place of business at 116 Shady Brook Cir Unit 301, Saint Simons Island, GA 31522 ("Challengrs," "we," "us," or "our"). They govern your use of the Challengrs mobile application, our website at challengrs.app, and any related features we provide (collectively, the "Services").
By creating an account or using the Services, you agree to be bound by these Terms. If you do not agree, do not use the Services.
The short version. Challengrs is a commitment-contract platform. You stake your own money on your own self-chosen goal. If you complete the goal, your stake is returned to you and you may share the stakes forfeited by others who did not complete. If you do not complete your goal, your stake is forfeited. Your success is determined entirely by your own effort and verifiable proof — there is no element of chance. This is not gambling.
Important notices. Section 19 contains a binding arbitration clause and class-action waiver. Section 2 requires you to be 18 years of age or older. Section 11 contains Apple-required terms specific to the iOS App. Section 17 limits our liability to you.
These Terms form a binding contract between you and CHALLENGRS LLC. By checking the "I am 18 or older and agree to the Terms and Privacy Policy" box during sign-up, by creating an account, or by using the Services, you represent that you have read, understood, and agreed to be bound by these Terms and by our Privacy Policy, which is incorporated by reference.
The Services are available only to individuals who are at least 18 years of age and who have the legal capacity to enter into binding contracts under the laws of their jurisdiction. By using the Services, you represent and warrant that you are at least 18 years of age.
If we learn that you are under 18, we may immediately terminate your account and return any remaining wallet balance (net of any amounts we are legally required to withhold), subject to our verification process.
Challengrs is a commitment-contract platform. When you place a stake on a challenge, you are not wagering on a chance event; you are pledging your own money toward your own self-defined goal. Your outcome is determined solely by whether you complete that goal and upload verifiable proof within the parameters you (or the challenge creator) selected in advance.
Key distinctions from gambling:
Challengrs does not operate a game of chance, lottery, sweepstakes, bookmaking, sportsbook, casino, or any form of gambling. You are solely responsible for determining whether your use of the Services is lawful in your jurisdiction.
You must provide accurate, current, and complete information during registration and keep that information up to date. You are responsible for:
You may not create more than one account, share your account with others, or let another person use your account. We may require you to change your username if it infringes on another's rights, is deceptive, or is otherwise unsuitable.
The Services let you create or join challenges. Each challenge has a goal, a duration, an upload frequency, a stake amount, and rules about how progress is verified.
Public challenges are open for anyone to discover and join. All participants in a public challenge pursue the same goal on the same schedule.
Private challenges (Challenge Groups) are invite-only. Each participant may set their own personal goal and their own upload frequency within the rules defined by the group.
During an active challenge, participants upload photo proof or connect an approved third-party service (such as Strava) so their activity auto-verifies. At the end of a challenge, participants who met the requirements are "winners." Participants who did not are "losers." Stakes are settled as described in Section 6.
You acknowledge that results are determined automatically by the system based on your submitted proofs and proof timestamps. We do not serve as a referee or adjudicator for disputes between participants.
When you join a challenge, you authorize us to hold your stake amount from your Challengrs wallet. Your stake is locked for the duration of the challenge and cannot be withdrawn until the challenge resolves.
You represent and warrant that the total of all stakes you have authorized across challenges is less than 10% of your annual income and does not cause financial hardship to you or any dependents.
When a challenge ends:
We charge a Platform Fee of up to 10% of the total forfeited stakes pool in a challenge. The Platform Fee is deducted from forfeited stakes before winnings are distributed. We may adjust the Platform Fee from time to time; any change will apply only to challenges you create or join after the change.
Once your stake is forfeited by your failure to meet the challenge requirements, the forfeited amount becomes the property of CHALLENGRS LLC, subject to distribution to winners and to our collection of the Platform Fee. We do not hold forfeited stakes as a fiduciary, in escrow, or in any trust relationship. Any obligation to distribute winnings is a contractual obligation under these Terms, not a fiduciary duty.
Deposits and withdrawals may be subject to processing fees charged by Stripe. Current Stripe fees for deposits are generally 2.9% + $0.30 per transaction. You will see applicable fees before confirming any transaction.
For public challenges that complete successfully and generate forfeited stakes, the challenge creator may receive a Creator Bonus equal to 5% of the forfeited stakes pool, deducted before winnings are distributed. This incentivizes creators to design high-quality public challenges. Private Challenge Groups do not include a Creator Bonus.
You may fund your wallet by depositing U.S. dollars through our payment partner, Stripe. Deposited funds are credited to your Challengrs wallet and available for staking on challenges.
To withdraw funds, you must first complete Stripe Connect onboarding. Stripe will collect and verify information from you, including your legal name, address, date of birth, and financial-account information, in accordance with their Terms of Service and Privacy Policy. Payouts are made directly from Stripe to the bank account you connect; Challengrs does not handle bank account numbers or card data.
Withdrawals typically settle within 1–3 business days after submission. We may place holds on withdrawals for fraud-prevention, compliance, account verification, or regulatory reasons. We may also delay, block, or reverse a withdrawal if we have reasonable grounds to believe the transaction involves fraud, chargebacks, unauthorized activity, or a violation of these Terms.
Challengrs is not a bank. Your wallet balance is a record of amounts owed to you by CHALLENGRS LLC. Wallet balances are not deposits, are not insured by the FDIC or any other agency, and do not earn interest.
All stake transactions are final once you have joined a challenge. Except where refunds are required by law, we do not refund stakes once a challenge has started. We may, at our sole discretion and as a one-time courtesy, refund a stake if you request it before a challenge begins or in exceptional circumstances (e.g., technical error on our side).
Winnings distributed to you in error may be reversed or reclaimed.
You are solely responsible for determining and paying any taxes owed on your use of the Services, including income taxes on winnings, capital gains, and any other applicable taxes.
Under current IRS rules, third-party payment platforms must report to the IRS gross payments made to a payee that exceed the applicable annual threshold. For calendar year 2025, that threshold was $2,500. For calendar year 2026 and later, the threshold is $600. When your reportable earnings cross the applicable threshold, we or our payment processor may issue you a Form 1099-K or other applicable tax form, and may require you to provide a W-9 or equivalent taxpayer information. If you fail to provide accurate tax information, we may withhold amounts required by law and/or limit your account until you comply.
This Section 11 applies when you use our iOS application from the Apple App Store. The following terms are required by Apple:
"Your Content" means the photos, proof uploads, captions, profile information, bios, messages, and any other material you submit to the Services.
You retain ownership of Your Content. By submitting Your Content to the Services, you grant CHALLENGRS LLC a worldwide, non-exclusive, royalty-free, sublicensable, transferable license to host, reproduce, display, transmit, and distribute Your Content solely as necessary to operate, provide, and improve the Services, and to display Your Content to other participants in the challenges you join.
You represent and warrant that (a) you own or have the rights to Your Content, (b) Your Content does not violate any law or any third party's rights, and (c) Your Content does not contain confidential or restricted information of a third party that you are not authorized to share.
You also authorize us to use aggregated or de-identified information derived from Your Content for analytics and improvement of the Services.
You agree not to do any of the following:
We may, at our sole discretion and without notice, remove, filter, or restrict Your Content if we believe it violates these Terms or any applicable law, or is otherwise objectionable. We have no obligation to review Your Content before it is posted, but we may remove it afterward.
If you see content you believe violates these Terms, report it to support@challengrs.app.
If you believe content on the Services infringes your copyright, send a notice to our designated agent at support@challengrs.app with: (1) a physical or electronic signature, (2) identification of the copyrighted work, (3) the location of the allegedly infringing content, (4) your contact information, (5) a good-faith statement that the use is unauthorized, and (6) a statement under penalty of perjury that the information is accurate and you are authorized to act for the rights holder. We may remove content in response to valid DMCA notices and terminate the accounts of repeat infringers.
We may suspend or terminate your account, limit your access to the Services, freeze your wallet balance, or reverse transactions at any time, with or without notice, for any of the following reasons:
You may delete your account at any time from within the app (Profile → Settings → Delete Account). If you delete your account, any stakes locked in an active challenge may be forfeited; any available wallet balance will be returned to you via your connected payout method after any required compliance review. Deletion does not release you from obligations accrued prior to deletion.
The following provisions survive termination: Sections 6(d), 9, 10, 12, 16, 17, 18, 19, 20, and 21.
The Services — including the Challengrs name, logo, app, website, designs, trademarks, service marks, underlying software, and all content that we (rather than users) produce — are the property of CHALLENGRS LLC and are protected by copyright, trademark, and other laws. We grant you a limited, revocable, non-transferable, non-exclusive license to use the Services solely for their intended purpose. Any use of our trademarks without our written permission is prohibited.
THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ANY WARRANTY ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, SECURE, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL CHALLENGRS LLC OR ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, GOODWILL, OR DATA, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATED TO THESE TERMS OR THE SERVICES WILL NOT EXCEED THE GREATER OF (I) $100 OR (II) THE TOTAL AMOUNT OF PLATFORM FEES YOU HAVE PAID TO US IN THE 12 MONTHS PRECEDING THE CLAIM.
Some jurisdictions do not allow the exclusion or limitation of certain damages; the limitations above apply only to the maximum extent permitted by law.
You agree to defend, indemnify, and hold harmless CHALLENGRS LLC and its officers, directors, employees, agents, affiliates, successors, and assigns from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorney fees) arising out of or related to (a) your use of the Services, (b) Your Content, (c) your violation of these Terms, (d) your violation of any third party's rights, or (e) your violation of any law.
PLEASE READ THIS SECTION CAREFULLY. IT REQUIRES YOU TO RESOLVE DISPUTES WITH CHALLENGRS LLC THROUGH BINDING INDIVIDUAL ARBITRATION, NOT IN COURT, AND LIMITS YOUR ABILITY TO SEEK RELIEF FROM A COURT AND THE RIGHT TO A JURY TRIAL OR TO PARTICIPATE IN CLASS OR REPRESENTATIVE PROCEEDINGS.
Before filing any formal dispute, you agree to first send a written notice to support@challengrs.app describing the dispute and the relief you seek. We agree to try in good faith to resolve the dispute informally for 30 days before either party may initiate arbitration.
If we cannot resolve the dispute informally, you and CHALLENGRS LLC agree to resolve any dispute, claim, or controversy arising out of or relating to these Terms or the Services through final and binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. Arbitration will take place in Wilmington, Delaware, or such other location as is mutually agreed, and may be conducted by telephone or video. The arbitrator's decision will be final, subject to limited review under the Federal Arbitration Act.
YOU AND CHALLENGRS LLC AGREE THAT ANY DISPUTE WILL BE RESOLVED ONLY ON AN INDIVIDUAL BASIS. YOU MAY NOT BRING A CLAIM AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. YOU AND CHALLENGRS LLC ALSO WAIVE ANY RIGHT TO A TRIAL BY JURY.
Notwithstanding the foregoing, either party may bring an individual action in small-claims court for disputes or claims within that court's jurisdiction.
Either party may seek injunctive or other equitable relief in a court of competent jurisdiction to protect its intellectual property rights.
You may opt out of this arbitration agreement by emailing support@challengrs.app within 30 days after you first accept these Terms, with the subject line "Arbitration Opt-Out" and including your full legal name and the email address associated with your account. Opt-outs received after the 30-day window are not effective.
If any portion of this Section 19 is found to be unenforceable, the remaining portions remain in full force. If the class-action waiver is found unenforceable for a particular claim, that claim will be litigated in court, but this arbitration agreement otherwise remains in effect for all other claims.
These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws rules, except to the extent preempted by the Federal Arbitration Act. For any dispute not subject to arbitration, you and CHALLENGRS LLC agree to the exclusive jurisdiction and venue of the state and federal courts located in New Castle County, Delaware.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and CHALLENGRS LLC regarding the Services and supersede any prior agreements.
Our failure to enforce any provision is not a waiver of our right to do so later.
If any provision is found invalid or unenforceable, the remaining provisions will continue in full effect.
You may not assign these Terms or your account without our written consent. We may assign these Terms without notice in connection with a merger, acquisition, or sale of assets.
We are not liable for any delay or failure caused by events beyond our reasonable control, including natural disasters, pandemics, war, terrorism, power or network outages, or acts of government.
You consent to receive communications from us electronically, including by email, in-app notifications, or notices posted on the Services. Electronic notices satisfy any legal requirement that a communication be in writing.
Under California Civil Code Section 1789.3, California residents are entitled to the following notice: Challengrs may be contacted at 116 Shady Brook Cir Unit 301, Saint Simons Island, GA 31522 or support@challengrs.app. Complaints may be directed to the California Department of Consumer Affairs, Consumer Information Division, 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (800) 952-5210.
Section headings are for convenience only and are not part of these Terms.
We may update these Terms from time to time. If we make material changes, we will give you at least 30 days' advance notice through the app, by email, or by prominent notice on the website. Your continued use of the Services after the effective date constitutes acceptance of the updated Terms. If you do not agree, you must stop using the Services before the effective date.
For any question, complaint, or request regarding these Terms, please contact:
CHALLENGRS LLC
116 Shady Brook Cir Unit 301
Saint Simons Island, GA 31522
support@challengrs.app