Terms of Service

Last updated: March 30, 2026

Welcome to Challengrs. These Terms of Service ("Terms") govern your use of the Challengrs mobile application ("App") and related services operated by Challengrs ("we," "us," or "our"). By creating an account or using the App, you agree to be bound by these Terms.

1. Eligibility

You must be at least 18 years old to use Challengrs. By using the App, you represent and warrant that you are at least 18 years of age and have the legal capacity to enter into these Terms. We reserve the right to request proof of age at any time and to terminate accounts that do not meet this requirement.

2. Account Registration

To use Challengrs, you must create an account with accurate and complete information. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You agree to notify us immediately of any unauthorized use of your account.

3. How Challengrs Works

Challengrs is a social accountability platform where users participate in personal challenges. Here is how the core service works:

Users create or join challenges with personal goals (e.g., exercise, reading, meditation).
Participants stake money from their in-app wallet as a commitment to their goal.
During the challenge period, participants upload photo proof of completing their daily goal, or auto-verify via connected fitness apps like Strava.
At the end of the challenge, participants who met their requirements are considered winners. Those who did not are considered losers.
Winners receive their original stake back plus a share of the stakes forfeited by losers, minus any applicable platform fees.

Challengrs is a skill-based accountability platform. Success is determined entirely by whether a participant completes their self-set goals and uploads the required proof. There is no element of chance involved.

4. Wallet, Deposits, and Withdrawals

You may deposit funds into your Challengrs wallet using a payment method supported by our payment processor, Stripe.
Deposited funds are held in your wallet balance and can be used to stake on challenges or withdrawn to your original payment method.
Staked funds are locked for the duration of the challenge and cannot be withdrawn until the challenge is resolved.
Withdrawals are processed manually via Apple Cash, Venmo, or Zelle and may take 1-3 business days.
We reserve the right to place holds on withdrawals for fraud prevention purposes.

5. Fees

Challengrs charges a platform fee of up to 10% on the losing pot (stakes forfeited by participants who did not complete the challenge). This fee is deducted before winnings are distributed to winners. We may change our fee structure at any time with reasonable notice to users.

Payment processing fees charged by Stripe (currently 2.9% + $0.30 per transaction) apply to deposits and may apply to withdrawals.

6. Donations

Winners may optionally choose to donate a portion of their winnings (5%) to support the platform. This donation is entirely voluntary and is selected by the user before joining a challenge.

7. Challenge Rules and Proof

Challenge creators set the parameters including duration, stake amount, upload frequency, and redo allowances.
Participants must upload photo proof or have their connected fitness app (e.g., Strava) automatically verify their activity according to the schedule set by the challenge.
Proof uploads are visible to other participants in the challenge for accountability purposes.
Photo metadata: Each proof upload includes metadata such as the timestamp, GPS coordinates (approximate location), and a location name. This metadata is collected to verify the authenticity of your proof and is visible to other participants in the same challenge.
By uploading proof photos, you consent to the collection and display of this metadata to other challenge participants.
Redo requests, where available, allow participants to request forgiveness for a missed day, subject to approval by other participants.

8. Prohibited Conduct

You agree not to:

Upload fraudulent, misleading, or falsified proof of completing a challenge.
Create multiple accounts to manipulate challenge outcomes.
Use the App for any illegal purpose or in violation of any applicable laws.
Attempt to manipulate, exploit, or abuse the challenge resolution system.
Harass, threaten, or abuse other users.
Upload content that is offensive, illegal, or violates the rights of others.
Reverse engineer, decompile, or attempt to extract the source code of the App.

9. Content and Intellectual Property

You retain ownership of the photos and content you upload to Challengrs. By uploading content, you grant us a limited, non-exclusive license to display your content within the App to other challenge participants for accountability purposes. We do not claim ownership of your content and will not use it for marketing without your explicit consent.

10. Account Termination

We reserve the right to suspend or terminate your account at any time for violation of these Terms, fraudulent activity, or any other reason at our discretion. If your account is terminated due to fraud, any funds in your wallet may be forfeited. If your account is terminated for other reasons, we will make reasonable efforts to return your wallet balance to you.

11. Disputes Between Users

Challengrs provides the platform for challenges but does not mediate disputes between individual users regarding challenge outcomes. Challenge results are determined automatically based on proof upload records. If you believe there is an error in challenge resolution, you may contact us at support@challengrs.app.

12. Disclaimer of Warranties

The App is provided "as is" and "as available" without warranties of any kind, either express or implied. We do not guarantee that the App will be uninterrupted, error-free, or free of harmful components. We are not responsible for any losses resulting from technical failures, server downtime, or payment processing errors.

13. Limitation of Liability

To the fullest extent permitted by law, Challengrs and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the App. Our total liability to you for any claim arising from your use of the App shall not exceed the amount you have deposited into your wallet in the 12 months preceding the claim.

14. Indemnification

You agree to indemnify and hold harmless Challengrs from any claims, damages, losses, or expenses (including reasonable attorney fees) arising from your use of the App, your violation of these Terms, or your violation of any rights of another user.

15. Tax Responsibility

You are solely responsible for reporting any winnings or income received through Challengrs to the appropriate tax authorities. If your total winnings exceed $600 in a calendar year, we may be required to report your earnings to the IRS and provide you with a Form 1099. You agree to provide accurate taxpayer identification information if requested.

16. Modifications to Terms

We may update these Terms from time to time. If we make material changes, we will notify you through the App or via email. Your continued use of the App after changes are posted constitutes your acceptance of the updated Terms.

17. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States. Any disputes arising from these Terms shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

18. Contact Us

If you have any questions about these Terms, please contact us at:

support@challengrs.app