Gym or Pay

Terms of Service

Last updated: 1 July 2026

These Terms govern your use of Gym or Pay (the “Service”), operated by Pedro [surname] as a sole trader in Portugal. By creating an account, you agree to these Terms. If you do not agree, do not use the Service.

1. What Gym or Pay is

Gym or Pay is a commitment-contract platform for personal fitness goals. You choose a weekly workout target, a refundable weekly deposit, and a charity or reward preference. You connect a health or fitness source so workouts can be verified automatically — no manual logging is accepted.

Each week:

Outcomes are determined by your own actions. There is no chance, lottery, or prize beyond your deposit. Gym or Pay takes no cut of missed deposits — the platform fee is charged separately.

2. Eligibility

You must be:

We may refuse or terminate service if you do not meet these criteria.

3. Deposits, fees, and billing

Your deposit is a refundable advance toward your goal, not a payment for a digital good. Each Monday, Stripe charges your deposit plus a platform service fee plus payment processing (passed through from Stripe). You see one consolidated charge labeled GYM-OR-PAY.

Platform service fees:

Plus payment processing (~1.5% + €0.25 per charge, passed through from Stripe). The service fee is non-refundable except during your 14-day cooling-off right (see below). These fees are our only revenue — we do not keep any portion of forfeited deposits.

4. EU 14-day cooling-off right

If you are an EU consumer, you have 14 days from your first charge to withdraw without giving a reason. Within that window, cancel in the app or email hello@gym-or-pay.com. Your first week's deposit and service fee are fully refunded via Stripe (typically 3–5 business days), and no further charges occur.

After 14 days, this right no longer applies. Cancel between weeks for a clean exit with no further charges. Cancel mid-week and the current week still resolves on its outcome (success → reward, failure → charity donation).

5. Workout validation

A workout counts toward your weekly target only if all of the following are true:

Validation runs on our servers. The client cannot override our decision. This is central to the anti-fraud design of the Service.

6. Integrations

Connecting a fitness source is optional except where required to validate workouts on your platform. You initiate every connection. The same validation rules apply regardless of source. We are not responsible for outages, API changes, or data delays at Apple, Google, Fitbit, Polar, Garmin, Strava, MyFitnessPal, Hevy, or any other third-party provider. If a provider is unavailable during a week, we may extend that week or refund at our discretion, communicated by push and email.

7. Wallet and rewards

When you hit your target, your deposit may be paid out via Tremendous as a gift card, prepaid card, or similar reward, or credited to your in-app wallet for later redemption. Redemptions from your wallet are also processed via Tremendous. Delivery times depend on the reward type and Tremendous processing. We are not responsible for delays caused by Tremendous or the reward issuer.

8. Charities

Forfeited deposits are donated in full to one of the charities you selected at signup (e.g. UNICEF, Doctors Without Borders, Save the Children, World Wildlife Fund), routed through Tremendous. We keep no portion of forfeited deposits. A public log of disbursements is available at gym-or-pay.com/charity-disbursements.

9. Cancellation and refunds

You can cancel at any time from Settings. Refunds of your deposit are issued when you hit your weekly target (as a reward) or when you exercise your 14-day cooling-off right. We do not issue cash refunds by bank transfer. Service fees are non-refundable after the cooling-off period.

10. Chargebacks and disputes

If you dispute a charge with your card issuer, we may pause your account until the dispute is resolved. Frivolous chargebacks may result in termination. Please email hello@gym-or-pay.com first — we can usually resolve issues faster than a chargeback.

11. Acceptable use

You agree not to:

12. Health and safety

Gym or Pay is not a medical service. We are not your doctor. Exercise carries physical risk. By using the Service you confirm you are capable of your chosen workout target, you assume all exercise-related risk, and you have consulted a healthcare professional if you have any condition that could be aggravated by exercise. We are not liable for injury, illness, or other adverse outcomes from your workouts.

13. Service availability

We aim for high availability but do not guarantee uninterrupted service. Downtime, bugs, or outages at Stripe, Tremendous, Apple, Google, Supabase, or connected fitness providers may temporarily prevent the Service from operating.

14. Termination

We may suspend or terminate your account if you violate these Terms, with notice when reasonably possible. Any in-progress week resolves on its own outcome; future charges stop; your data is handled per our Privacy Policy.

15. Limitation of liability

To the maximum extent permitted by Portuguese law, our total liability for any claim related to the Service is limited to the total platform fees you paid us in the preceding 12 months, or €100, whichever is lower. We are not liable for indirect, incidental, or consequential damages, or for failures caused by third parties. This does not exclude liability that cannot be waived under mandatory Portuguese consumer law.

16. Governing law

These Terms are governed by Portuguese law. Disputes are resolved in the courts of Lisbon, Portugal, unless mandatory consumer-protection rules in your country of residence require otherwise. EU consumers may also use the EU Online Dispute Resolution platform.

17. Changes

We may update these Terms. Material changes are notified by email at least 14 days before they take effect. Continued use after that date constitutes acceptance.

Questions? hello@gym-or-pay.com