Terms of Service

1. What this service does

You set a daily deadline and a fee. When you miss the deadline, we charge that fee to the payment method you saved on file.

The mechanic is the whole product: a small, real consequence rewires how seriously your brain treats your own promises. Pain drives change.

2. Your account

You must be 18 or older to use GrowOrPay. One account per person.

We may suspend or terminate accounts that abuse the service — for example, repeated chargebacks against legitimate charges, signing up multiple accounts to game the system, or attempting to circumvent the payment flow.

3. The fee

You choose the fee yourself (subject to a small minimum that varies by currency to cover Stripe processing). By saving a payment method and committing, you authorize us to charge that fee via Stripe whenever a deadline is missed.

The fee is not a service charge and it is not our business model: we would rather you never pay it. It exists to make the deadline real. Every charge can be contested for 14 days (section 5), a human reviews every contest, and we never keep a charge that shouldn't have happened.

4. How we make money, and where a charge goes

Two sources, in plain terms:

1. The accountability fees people choose not to reclaim. If you contest a charge and it shouldn't have happened, it is refunded in full (section 5). The fee we keep is the one you decided not to dispute. 2. Optional tips. Always optional, always clearly labelled, never required to use the app.

Where that money goes, in this order: - Stripe's processing fee — a card-dependent percentage plus a small fixed amount. We absorb it: your fee is never raised to cover it. - The cost of running GrowOrPay — servers, email and push delivery, payment processing, support and development. - The affiliate commission, for users who were referred. The person who invited you earns up to 100% of the net fee during your first month and 70% afterwards, for as long as you keep using the app. That is a larger share than we keep.

There is no subscription, no upcharge on the fee, no advertising anywhere, and we do not sell your data. If you ever see a charge from us you didn't authorize, it's a bug — email support@groworpay.com.

5. Refunds and contests

Every charge can be contested for 14 days from the day it was made — the EU right-of-withdrawal window — with no explanation required. In the app: History → Payment history → press the charge → "Contest this charge". You can also write to support@groworpay.com.

A human reads every contest; there is no automatic refusal. We answer within 72 hours and, if the charge shouldn't have happened, we refund it in full to the same card through Stripe. Refunds are never partial. A contest raised after the 14 days is still read and answered, but the refund window has closed by then.

If the failure was ours — a network blip, an app malfunction, you tapped YES before the deadline while offline and it didn't register — the refund is automatic. You don't have to ask.

Bought extra hours by mistake, or the extension didn't apply? Contest it and we refund it. An extra hour you actually used is not refunded: you received the extra time. Tips are voluntary support rather than a purchase — if a tip was a mistake, write to us and we will sort it out.

Disputing a charge with your bank without contacting us first suspends the account automatically (section 2). Talk to us first: it is faster, and it costs you nothing.

6. Account termination

You can delete your account at any time via Settings → Delete Account in the app. Deletion is immediate and irreversible.

You must settle any outstanding balance before deleting — see section 7. We may terminate accounts for abuse (fraudulent chargebacks, payment fraud, or repeated terms violations).

7. Outstanding debt

If a charge fails — declined card, expired card, insufficient funds — your account enters a locked state. You can't start a new commitment until you settle the outstanding amount by updating your payment method and retrying the charge.

We never sell debt and we never use collections agencies. If you walk away, the worst that happens is you can't use GrowOrPay until you come back and settle.

8. Limitation of liability

The service is provided as-is. We are not liable for missed deadlines caused by outages, bugs, your device's notification settings, OS-level battery restrictions, or anything else outside our direct control.

We do our best to keep the service up and the notifications reliable — and we publish a status page if there's an incident that materially affects the deadline flow.

9. Governing law

These terms are governed by the laws of Romania, where the operator is based — GrowOrPay (operated by Antonio Ridiche, Bucharest, Romania; contact: support@groworpay.com) — unless your local consumer-protection law gives you stronger rights, in which case those rights apply.

Nothing in these terms is intended to waive a non-waivable consumer right under your local law.

10. Contact

Anything that doesn't fit a form — questions, disputes, requests, complaints: support@groworpay.com. A real person reads the inbox.