Terms of Service

Last updated: 2 November 2026 · Provided by: Upscale PPC Limited, a company registered in Hong Kong

By creating an account or using Pledger, you agree to these Terms. Pledger is an accountability, planning, journaling and AI-coaching app provided on an “as is” basis. If you don't agree, please don't use the app.

Eligibility & your account

You must be at least 16 years old to use Pledger. You're responsible for the content you add, for keeping your login secure, and for anything that happens under your account. Don't use Pledger for anything unlawful.

Real money stakes are available only on the website and only to users aged 18 or older. To create one, you must add your birthday to your profile. Demo stakes do not charge a card.

Subscriptions bought on the website

  • Pledger is offered on a monthly or annual subscription, shown at checkout, plus a free trial where offered.
  • Subscriptions auto-renewat the end of each billing period until cancelled. Cancel any time from Settings; you keep access until the end of the period you've paid for.
  • If you don't cancel before a free trial ends, your card is charged the plan price and the subscription begins. We'll remind you before that happens.
  • EU/UK right of withdrawal:if you're a consumer in the EU or UK, you may cancel your first paid subscription within 14 days of the first charge for a full refund, provided you haven't made substantial use of paid features in that time. This is in addition to, not instead of, your ability to cancel auto-renewal at any time.
  • Payments are processed by Stripe. We never see or store your full card number.

Subscriptions bought in the iPhone app

  • Subscriptions bought in the app are billed to your Apple ID through the App Store. They renew automatically for the same period unless you cancel at least 24 hours before the end of the current period.
  • The price shown in the app is the price Apple charges in your country.
  • Any unused part of a free trial is forfeited when you buy a subscription.
  • You can manage or cancel your subscription in iPhone Settings, tap your name, then Subscriptions. Deleting your Pledger account does not cancel an App Store subscription.
  • Refunds for App Store purchases are handled by Apple, not by us. You can request one at reportaproblem.apple.com.
  • Apple's standard Licensed Application End User License Agreement applies to the app in addition to these Terms.
  • The optional commitment-stakes feature is only available on the website.

Subscriptions bought in the Android app

  • Subscriptions bought in the Android app are billed through Google Play. They renew automatically for the same period until you cancel. If you cancel, you keep Pro until the end of the period you have already paid for.
  • The price shown in the app is the price Google Play charges in your country.
  • Any unused part of a free trial is forfeited when you buy a subscription.
  • You can manage or cancel your subscription in the Google Play app: tap your profile, then Payments & subscriptions, then Subscriptions. Deleting your Pledger account does not cancel a Google Play subscription.
  • Refunds for Google Play purchases are handled by Google Play under its refund policy, not by us.

Accountability commitments

Pledger lets you put a task on the line with a real deadline. If you complete it, nothing happens. If you miss it, the people you've chosen - your circle - are notified, based on the settings you chose when you created the commitment. Evidence you submit may be reviewed automatically, by AI, or taken on your word, depending on the mode you picked. Appeals against a missed deadline are judged by AI against strictness rules you set for yourself in advance.

Some commitment settings (“locks”) are designed to be difficult to reverse quickly, by your own choice, once enabled - that's the point of the feature. Read what a lock does before turning it on.

Money stakes. You can optionally attach a real monetary stake to a commitment. This is always opt-in, per commitment: you choose the amount (between $1 and $250), you explicitly authorize the charge when creating the stake, and you save a payment card for this purpose via our payment processor (Stripe). Your card is charged only if you miss the commitment deadline, including any grace period you selected. If you complete the commitment in time, nothing is charged - ever.

Where forfeited money goes. Forfeited stakes are paid to Upscale PPC Limited, a company registered in Hong Kong and retained as Pledger revenue. They are not donated to charity, held as a deposit, or returned as a prize.

You can cancel an active stake before its deadline unless you enabled a lock that prevents cancellation. Once the deadline passes, the stake cannot be cancelled. Read the amount, deadline, grace period and evidence rule before authorizing it. See the money stakes explainer for the full flow.

Fairness and appeals. Evidence rules are set by you when you create the commitment, and genuinely ambiguous outcomes are resolved in your favor. If you believe a charge was made in error, contact support or use the in-app appeal - upheld appeals are refunded. A separate demo mode exists that exercises the same flow without any real charge.

AI coaching

AI responses are guidance generated from the context you've given Pledger. They are not professional medical, legal, financial, or psychological advice, and they are not a substitute for a qualified professional. Use your own judgement, especially for anything affecting your health, finances, or safety.

User content and community conduct

When you join or create an accountability circle, you can see other members' names, streaks, and shared content, and they can see yours. Be respectful.

Zero tolerance.There is no place on Pledger for objectionable content or abusive users. You must not post, share or send content that is abusive, hateful, sexual, harassing, threatening or illegal, or that shares others' private information without consent.

You can report any content and block any user from inside the app. We review every report and act on it within 24 hours, including removing the content and suspending or terminating the accounts responsible. You can also reach us directly at hello@usepledger.com.

Your content & our intellectual property

You own what you create in Pledger (goals, journals, reviews, etc.) and can export or delete it at any time. We own the Pledger app, brand, and underlying software. Using Pledger doesn't give you any rights to those beyond using the service as intended.

Termination

You can delete your account any time from Settings → Delete account - this is immediate (or delayed if you've enabled the account-deletion lock on an active commitment) and permanent. We may suspend or terminate accounts that violate these Terms or abuse the service.

Disclaimers & liability

Pledger is provided “as is” without warranties of any kind. We don't guarantee that using Pledger will result in you achieving any particular goal or outcome. To the extent permitted by law, we're not liable for indirect, incidental, or consequential damages arising from your use of the app. Nothing in these Terms limits liability that cannot be excluded under applicable consumer-protection law (including your statutory rights as an EU/UK consumer, which these Terms don't affect).

Governing law

These Terms are governed by the laws of Hong Kong. If you're a consumer resident in the EU or UK, you also benefit from any mandatory protections of the law of your own country of residence, regardless of this clause.

Changes to these Terms

We may update these Terms as the app changes. If a change is material, we'll let you know in-app or by email before it takes effect.

Contact

Pledger is provided by Upscale PPC Limited, a company registered in Hong Kong. hello@usepledger.com