Payment Terms

Effective: May 29, 2026

These Payment Terms explain how payment methods, conditional commitment charges, refunds, disputes, and referral-related payout allocations work on Commitery. They apply in addition to the Terms of Use, Withdrawal Policy, Privacy Policy, and any commitment-specific settings shown before checkout.

Commitery is not a bank, payment institution, escrow provider, gambling operator, betting platform, or investment service. Payments are handled by Stripe and are used only to operate the commitment device described in our Terms of Use.

Commitery does not provide insurance, goal insurance, protection against failing a goal, a savings product, a prize pool, or a system in which users receive winnings, rewards, or payouts from other users' commitment amounts because they completed their own goals.

Paid commitment features, conditional commitment charges, routines, and Creator payouts may be unavailable in some countries. Users located in the United States may use those features only if Commitery expressly enables them for the United States in the product.

1. Payment Provider

Commitery uses Stripe to process payment methods, conditional charges, refunds, and payout account onboarding. By using Commitery payments, you agree that payment processing is provided by Stripe and may be subject to Stripe's applicable terms, including the Stripe Services Agreement, Stripe Privacy Policy, and, for payout recipients, the applicable Stripe Connected Account Agreement or Stripe recipient agreement.

Stripe may require authentication, identity checks, risk reviews, or additional information before a payment method, charge, refund, or payout can be processed.

2. No Upfront Commitment Charge

When you create a Commitery commitment, the commitment amount shown at checkout is not charged immediately. Instead, you authorize Commitery, through Stripe, to save a payment method and to charge that method later only if the commitment is deemed not completed under the applicable proof requirements and review process.

If the commitment is deemed completed, or if it is validly withdrawn within the withdrawal period, no commitment amount is charged for that commitment.

Commitery does not attempt a failed-commitment charge before the applicable fourteen-day consumer withdrawal period has expired. If the separate verdict-dispute period ends earlier, the failed verdict may become final while the charge remains pending until the withdrawal period has also ended.

3. Conditional Charge Authorization

If you deliberately save a payment method through the payment-method setup step, Stripe stores it as your default payment method for the current and future commitments. Commitery stores only Stripe identifiers and limited display information, not the complete card number or security code. You may replace the default payment method, subject to payment methods still required for active commitments.

By completing checkout, you confirm that the commitment amount, deadline, proof deadline, proof requirements, AI review process, and payment authorization are correct. You authorize Commitery to initiate an off-session charge to your saved payment method if the commitment is later deemed failed, including where no valid proof is submitted on time.

The charge amount is the amount displayed and accepted at checkout, together with any taxes or fees that are clearly disclosed before you confirm the commitment. Commitery does not increase the accepted commitment amount after checkout.

If a charge fails because the payment method is expired, rejected, requires authentication, or otherwise cannot be used, Commitery may ask you to provide or authenticate another payment method. The underlying payment obligation may remain due unless the commitment is corrected, disputed successfully, withdrawn in time, or otherwise cancelled under the applicable terms.

4. Routines and Recurring Commitment Cycles

Routines create recurring commitment cycles according to the cadence, proof window, and amount shown before checkout. Each active cycle is evaluated separately. A conditional charge may become due for a cycle only if that specific cycle is deemed failed.

Pausing or cancelling a routine affects future cycles according to the in-product controls and Terms of Use. It does not automatically reverse an already active cycle unless the active cycle is also validly withdrawn, cancelled, or resolved under the applicable rules.

5. Verdicts, Charges, and Timing

After the goal deadline and proof submission deadline, Commitery may issue a failed verdict proposal if the proof is missing or does not satisfy the applicable proof requirements. A failed verdict proposal is not itself a charge. Unless a shorter or longer mandatory legal period applies, the user has 48 hours from the failed verdict proposal shown in the product to submit a product dispute.

Commitery does not intentionally initiate the conditional commitment charge while the 48-hour product dispute window is open, while a timely product dispute is pending, or while a valid statutory withdrawal right prevents the charge. If no timely dispute is submitted, or if a timely dispute is denied, the failed verdict may become final and Commitery may initiate the off-session charge through Stripe.

Charge timing may depend on the AI review process, dispute review, withdrawal checks, payment provider processing, scheduled maintenance jobs, bank processing, authentication requirements, and risk checks. If the verdict is completed or reversed, Commitery records the commitment as not charged. If the failed verdict is final and the charge succeeds, the charge appears on the payment method statement through Stripe or the relevant payment network.

6. Refunds

Refunds may be issued where required by law, where a commitment or routine cycle is validly withdrawn, where a dispute is approved, where a duplicate or erroneous charge occurred, or where Commitery decides a refund is appropriate.

Refunds are normally made to the same payment method used for the original charge. Processing times can depend on Stripe, the payment method, the card network, the bank, and available Stripe balance. A refund cannot exceed the amount originally charged.

If a referral or Commitery Creator payout is connected to a charged commitment that is later refunded, reversed, disputed successfully, or withdrawn, Commitery may cancel, delay, offset, or reclaim the related payout allocation.

Where a charge succeeds, Commitery sends an electronic invoice for the collected amount to the billing email address stored for the commitment. The invoice is provided as a ZUGFeRD PDF containing structured EN 16931 invoice data. You are responsible for providing complete and accurate billing details. A failed verdict proposal, pending dispute, or pending charge attempt is not an invoice for a collected payment.

7. Product Disputes

If you believe a failed verdict proposal, charge, proof review, or commitment outcome is wrong, you should use the dispute process shown in your Commitery account within the displayed 48-hour window or contact support@commitery.com. You should include the commitment ID, the relevant proof, and a clear explanation of the issue.

Commitery may review disputes manually or with automated technical assistance. The current product dispute policy is intentionally conservative: Commitery may reverse a failed verdict where the dispute raises credible uncertainty, sensitive circumstances, platform error, payment-risk concerns, legal or chargeback risk, unclear evidence, or a disagreement between review systems. Commitery may deny a dispute where the review clearly supports the failed verdict and no such risk factors apply.

If a timely dispute is approved before charge, no commitment amount is charged for that failed verdict. If a dispute is approved after a charge or a charge is otherwise found to be incorrect, Commitery may reverse the verdict and refund the charged amount. Submitting a payment-card chargeback or bank dispute does not replace the product dispute process, although it does not limit any mandatory rights you may have with your payment provider or under law.

8. Chargebacks, Reversals, and Payment Abuse

If a chargeback, reversal, failed payment, suspected fraud, or payment abuse occurs, Commitery may suspend affected commitments, pause account access, delay Creator payouts, request additional information, or take other reasonable steps to protect users, Commitery, and payment systems.

You must not use stolen payment methods, unauthorized payment accounts, false billing information, or payment methods you are not entitled to use.

9. Commitery Creator Payout Allocations

Some commitments may be attributed to a Creator under the Commitery Creator Terms. If an eligible referred commitment fails and the related charge is successfully collected after any applicable withdrawal and product dispute checks, a portion of the collected amount may be allocated for payout to the eligible Creator.

Creator payouts do not increase the commitment amount paid by the user who created the commitment. They are paid only if all eligibility, payout-account, anti-abuse, withdrawal, refund, and dispute conditions are satisfied.

Creator payouts are not rewards for the referred user completing a goal, are not paid from a shared prize pool, and are not insurance or protection against a failed commitment.

Commitery may create a Stripe Connect transfer for an eligible referral allocation and hold or delay the connected account's bank payout release while refund, chargeback, withdrawal, dispute, fraud, or Stripe account risks remain open. A balance shown as pending or allocated is not finally payable until all applicable conditions are satisfied.

Referral allocations are normally subject to a 30-day risk hold and, once eligible, are grouped into a monthly payout by Creator and currency. Commitery's recurring maintenance process may update the displayed eligibility status throughout the month without initiating an immediate bank payout.

10. Payout Accounts

Users who want to receive Creator payouts must set up a payout account through Stripe Connect and keep it eligible for payouts. Stripe may require identity, tax, business, bank-account, or other verification information. Commitery cannot guarantee that Stripe will approve a payout account or that a payout will be available in every country.

Payout recipients are responsible for providing accurate payout and Creator billing information and for any taxes, reporting duties, or registrations that apply to amounts they receive. Commitery may delay a payout until the Creator has supplied the information needed for a legally usable self-billing document.

Stripe Connect payout balances may be subject to manual payout timing, reserve periods, verification requirements, payout failures, transfer reversals, negative balances, or other Stripe controls. Commitery may reverse, offset, or reclaim referral allocations if a related charge is refunded, reversed, disputed successfully, charged back, withdrawn, or found to be abusive or erroneous.

11. Taxes, Fees, and Records

Unless stated otherwise, amounts on Commitery are displayed in euros. You are responsible for any taxes, bank fees, currency conversion costs, or other charges imposed by your bank, payment provider, or applicable law, except where Commitery is legally required to collect or remit them.

Commitery may retain payment records, consent records, invoices, self-billing documents, receipts, refund records, and dispute records as required for accounting, tax, fraud prevention, legal compliance, and contractual performance.

12. Contact

Payment questions can be sent to support@commitery.com.