Last updated: June 18, 2026

Please read these Terms and Conditions carefully before using our Service. They contain important information about Your legal rights, remedies, and obligations, including limitations on liability and a dispute resolution section that provides for mandatory arbitration and a waiver of class actions.

Please note: Apple Inc. does not sponsor, endorse, or administer Steppa or any Challenge in any way. No prizes are provided by Apple. Apple is not involved in any manner with Challenges offered through the Service.

Interpretation and Definitions

Interpretation

The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.

Definitions

For the purposes of these Terms and Conditions:

Acknowledgment

These are the Terms and Conditions governing the use of this Service and the agreement that operates between You and the Company. These Terms and Conditions set out the rights and obligations of all users regarding the use of the Service.

Your access to and use of the Service is conditioned on Your acceptance of and compliance with these Terms and Conditions. These Terms and Conditions apply to all visitors, users and others who access or use the Service.

By accessing or using the Service You agree to be bound by these Terms and Conditions, including the Code of Conduct, which is incorporated into and forms part of this Agreement. If You disagree with any part of these Terms and Conditions then You may not access the Service.

You represent that You are over the age of 18. The Company does not permit those under 18 to use the Service.

Your access to and use of the Service is also conditioned on Your acceptance of and compliance with the Privacy Policy of the Company. Our Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your personal information when You use the Service and tells You about Your privacy rights and how the law protects You. Please read Our Privacy Policy carefully before using Our Service.

Communications Consent

By creating an Account, You consent to receive transactional communications from the Company by push notification and email, including but not limited to: Challenge updates, results, payout confirmations, security alerts, and changes to these Terms. These communications are necessary to provide the Service and cannot be opted out of while You maintain an Account.

You may also receive promotional or marketing communications. You may opt out of marketing communications at any time through the Application's notification settings or by following the unsubscribe instructions in any marketing email. Opting out of marketing communications does not affect transactional communications.

Standard message and data rates from Your wireless carrier or internet provider may apply.

Nature of Service - Skill-Based Competition

Steppa is a skill-based fitness competition platform, NOT a gambling service. Success in Challenges depends on Your physical effort, commitment, and ability to achieve fitness goals. The Company does not operate games of chance.

Challenges are not games of chance. The intent of the Service is to reward participants only for actions over which they have control or influence. The use of the Service to reward participants for actions over which they have no control or influence is strictly prohibited.

The Company does not offer odds, does not accept or facilitate stakes on the performance of any third party, and does not participate in, compete for, or share in any prize. The Company's only compensation is the disclosed Platform Fee and other fees described in these Terms.

By participating in Challenges, You acknowledge that outcomes are determined by Your performance and adherence to Challenge requirements, not by random chance or luck.

Financial Risk Acknowledgment: You may lose 100% of Your Entry Fee. There is no guarantee that You will win any portion of the Prize Pool. By entering a Challenge, You acknowledge that participation in Challenges involving Entry Fees, commitments, and rewards carries financial risk, and You agree to enter Challenges only with funds You can afford to lose.

Geographic Restrictions: Challenges with monetary prizes are void where prohibited by law. You are solely responsible for ensuring that Your participation is legal in Your jurisdiction.

Eligibility and Age Requirements

You must be at least 18 years old (or 19 or 21 where a higher minimum age is required by the law of Your jurisdiction of residence) to use the Service and participate in Challenges involving monetary transactions. Any registration by, use of, or access to the Service by anyone under the applicable minimum age is unauthorized, unlicensed, and in violation of these Terms.

By joining a paid Challenge, You represent that You are physically located in a jurisdiction where paid Challenges are permitted at the time You join.

Excluded Persons: Employees, officers, directors, and contractors of the Company, and members of their immediate households, are not eligible to participate in paid Challenges, except in internal test Challenges designated by the Company.

The Company may, at its discretion, require You to complete identity verification through a third-party provider before processing payouts above certain thresholds, before reinstating a suspended Account, or where required by applicable law (including to comply with U.S. tax reporting and anti-money-laundering obligations). The Company may require that the name on Your payout destination (bank account or payout method) match the name on Your Account. Failure to complete verification when requested may result in inability to receive winnings, account suspension, or forfeiture of pending balances.

The Service may not be available in all geographic locations. We reserve the right to restrict access to the Service in certain jurisdictions where skill-based competitions with entry fees may be restricted or prohibited by law, at any time and without notice.

Challenges - Terms and Conditions

How Challenges Work

Challenges are fitness-based competitions where participants pay an Entry Fee to compete for a share of the Prize Pool. Each Challenge has specific requirements, duration, and success criteria that are clearly displayed before entry.

By entering a Challenge, You agree to compete fairly and honestly, using only legitimate physical activity that You personally perform to achieve the stated goals.

Entry Fees and Fees

When You enter a Challenge, You pay an Entry Fee. For Challenges using the up-front-fee model, Your Entry Fee is the sum of Your Stake (which enters the Prize Pool) plus a Service Fee and, on public Challenges, a Creator Fee; the Prize Pool is composed solely of Stakes and is distributed in full to Winners, and the Company does not deduct a Platform Fee or Creator Cut from the Prize Pool. For Challenges using the legacy settlement model, Your Entry Fee enters the Prize Pool in full, and the Company retains a Platform Fee and, where applicable, a Creator Cut from the Prize Pool at settlement. In both cases, the specific amounts, fees, and resulting Prize Pool and payout calculation are clearly displayed before You confirm Your entry into any Challenge, and the model that applies to a Challenge is fixed at the time the Challenge is created.

All Entry Fees are processed through Our Payment Processors. By making a payment, You agree to the applicable Payment Processor's terms of service.

Fees, Pricing, and Limits

The Company applies the following pricing parameters. Exact amounts and percentages applicable to a specific Challenge or transaction are always displayed in the Application before You confirm:

Reservation: The Company reserves the right to adjust amounts, percentages, and limits within the disclosed ranges at any time without prior notice. The Company will provide at least 30 days' notice for material changes that introduce new ranges or otherwise materially alter the economic terms applicable to You. Continued use of the Service after such changes take effect constitutes acceptance.

Cash Balance vs Promotional Credits

Your Account may hold two distinct types of value:

When You pay an Entry Fee, available Promotional Credits are applied first, with the remainder charged to Your payment method or Cash Balance.

Treatment of winnings from Promotional Credit entries: As of the date of these Terms, winnings from Challenges entered using Promotional Credits are credited as Cash Balance and are eligible for payout subject to the Minimum Payout. The Company reserves the right to introduce additional balance categories in the future (including non-withdrawable balance types tied to specific promotions). The classification of any balance will be clearly displayed in the Application at the time it is issued.

Promotional Credits are issued at the Company's discretion and may be revoked, expired, or denied where We determine, in good faith, that they were obtained through fraud, abuse, multiple accounts, or other violations of these Terms.

Prize Distribution

Winners of Challenges will receive their share of the Prize Pool based on the Challenge's specific distribution rules. Prize distributions are calculated and credited to Your Cash Balance within 24 hours of Challenge completion.

U.S. payouts are processed through Mercury via U.S. ACH bank transfer at no fee to You. Due to standard banking procedures, it may take several business days for funds to appear in Your bank account after a payout is initiated. Processing times vary depending on Your financial institution and other factors outside the Company's control.

PayPal payouts are sent to the email address You designate for PayPal payouts and are available to users in the United States and most countries where PayPal operates. The Company charges no fee for PayPal payouts; however, PayPal may apply its own fees on its side - in particular currency conversion if Your PayPal account is not denominated in U.S. dollars, and withdrawal fees in some countries when You move funds from PayPal to Your bank - which are outside the Company's control. If the email You provide is not yet linked to a PayPal account, PayPal holds the funds for You to claim and, if unclaimed, returns them (typically after 30 days), at which point Your Cash Balance is restored. You are responsible for providing an accurate PayPal email; see the responsibility paragraph below.

International payouts are processed through Whop's payout-method network (e.g. local bank deposit, Venmo, Cash App, cryptocurrency, and other methods Whop offers in Your region; wire transfers are not supported). You pay the payout-method processing fees. Whop's fees vary by destination country and payout method, are typically a small percentage or flat amount per transfer, and are deducted from Your payout amount and disclosed by Whop before You confirm. The Company does not subsidize or reimburse these fees. Processing times for international payouts also vary by method and region.

You are responsible for providing and maintaining accurate bank or payout-method information (entered on Your bank-account screen for U.S. ACH, as the recipient email for PayPal payouts, or on Whop's hosted onboarding flow for international payouts). For PayPal payouts in particular, You are responsible for entering the correct email address; funds sent to a mistyped but valid email may be delivered to the wrong recipient and may not be recoverable. The Company is not liable for failed, delayed, or misdirected payouts caused by incorrect details, account closures, or other issues with Your financial institution, PayPal, or Whop payout method. Reversal, return, or trace fees charged by Your bank, by Mercury, by PayPal, or by Whop for incorrect details may be deducted from Your Cash Balance or invoiced to You.

How Prize Pools Are Calculated and Distributed

The Company believes in full transparency about how Prize Pools are computed and distributed. Two models may apply, depending on when the Challenge was created: the up-front-fee model (the default for Challenges created on or after June 18, 2026) and the legacy settlement model (for Challenges created before that date). The model that applies to a Challenge is fixed when the Challenge is created and is shown in the Application before You confirm entry, together with the specific amounts; a detailed result breakdown is shown after settlement.

Definitions used in this Section. "Winners" are participants whose final status at settlement is FINISHED. The "Completion Rate" is the percentage of participants who satisfied every daily requirement of the Challenge by the Challenge's end date.

Up-front-fee model. The Prize Pool is the sum of all participants' Stakes, including the Stakes of participants who later forfeit by dropping out or failing to complete — a forfeited Stake remains in the Prize Pool. The entire Prize Pool (100%) is distributed to Winners; the Company deducts no Platform Fee and no Creator Cut from the Prize Pool. The Company's compensation is the Service Fee charged to each participant up front at entry. On public Challenges, the Creator is compensated by the Creator Fee charged to each participant up front and paid to the Creator after the Challenge's join window closes (it is not a deduction from the Prize Pool). Service Fees and Creator Fees are non-refundable except as expressly provided in these Terms.

Per-Winner Payout (up-front-fee model). Each Winner's share is calculated as: Prize Pool ÷ number of Winners, rounded down to the nearest cent. Rounding remainders are retained by the Company. Because forfeited Stakes remain in the Prize Pool, a lower Completion Rate increases each Winner's share.

Zero Winners (up-front-fee model). If no participant qualifies as a Winner, no per-Winner payout is made and the Company retains the Prize Pool. On a public Challenge, the Creator Fee was already paid to the Creator after the join window closed and is unaffected.

Legacy settlement model. For Challenges created before June 18, 2026, the "Prize Pool" is the sum of all Entry Fees paid into the Challenge by all participants (including any participants who later forfeit), and the amount distributed to Winners is what remains after deduction of the Platform Fee and any Creator Cut. Unless a Creator Contract or Sponsored Challenge applies (see below), the Company calculates the split at settlement using the following completion-rate curve:

Public Challenges (Challenges hosted by a Creator, where the Creator may or may not also be a participant). The Creator Cut percentages stated below reflect the 5% default; Challenges created under a prior default (for example, 10% prior to 2026-05-23) settle at the percentage stamped onto that Challenge at creation, with thresholds adjusted accordingly:

Private Challenges (invite-only Challenges without a Creator Cut):

Per-Winner Payout (legacy settlement model). Each Winner's share of the Prize Pool is calculated as: (Prize Pool − Platform Fee − Creator Cut) ÷ number of Winners, rounded down to the nearest cent. Rounding remainders are retained by the Company. Entry Fees paid by participants who fail to complete the Challenge, drop out, or are otherwise not eligible at settlement remain in the Prize Pool and benefit the Winners after deduction of the Platform Fee and Creator Cut.

Zero Winners (legacy settlement model). If no participant qualifies as a Winner (Completion Rate is 0%), no per-Winner payout is made. On a Public Challenge, the Creator still receives their Creator Cut at the percentage stamped onto the Challenge at creation (5% under the prior default; the Creator hosted the Challenge and paid the Public Challenge Creation Fee), and the Company receives the remainder of the Prize Pool. On a Private Challenge, the Company receives 100% of the Prize Pool.

Single Participant or Few Participants. Challenges may proceed and settle with as few as one participant, in which case the standard formula above is applied to that participant's contribution alone. Rounding may produce slightly less favorable per-Winner outcomes in very small Challenges. You are responsible for reviewing the participant count before joining.

Creator Contracts. A small number of Creators operate under a Creator Contract that overrides the standard split above with custom terms (for example, a higher Creator Cut, a lower or zero Platform Fee, modified taper behavior, or waived fees). The Company snapshots the contract terms onto the Challenge at creation, so subsequent edits to a Creator Contract do not retroactively alter the math for already-created Challenges. The same snapshot principle applies to standard Challenges: the Creator Cut percentage in effect at the time a Challenge is created is the percentage that will be applied at settlement, even if the Company later changes the default for new Challenges.

Sponsored Challenges. Sponsored Challenges do not apply the standard Platform Fee or Creator Cut against the Prize Pool. Instead, the sponsor funds the entire Prize Pool upfront, participants join with no Entry Fee, and Winners split the funded Prize Pool. The Company charges the sponsor a separate Sponsor Service Fee (see "Fees, Pricing, and Limits" above) on top of the funded Prize Pool; that fee is paid by the sponsor and never deducted from the Prize Pool received by participants.

Reservation. The Company reserves the right to adjust the percentages, taper thresholds, and operational floor described in this Section, subject to the notice and disclosure requirements in "Fees, Pricing, and Limits" and "Changes to These Terms and Conditions." Adjustments do not retroactively change the math applied to Challenges that have already been settled.

Challenge Completion and Forfeiture

If You fail to complete a Challenge's requirements within the specified timeframe, You forfeit Your Entry Fee, and it is not refunded. Under the up-front-fee model, Your Stake remains in the Prize Pool for the Winners, and the Service Fee and any Creator Fee You paid are non-refundable. Under the legacy settlement model, Your Entry Fee remains part of the Prize Pool and benefits the Winners after deduction of the Platform Fee and any Creator Cut.

You are responsible for tracking Your own progress and ensuring You meet all Challenge requirements before the deadline.

Refund Policy

If You withdraw from a Challenge after joining, Your Entry Fee is forfeited and is not refunded, whether or not the Challenge has begun. Entry Fees are non-refundable, and We do not provide refunds for Challenges You choose not to complete or fail to complete, regardless of the reason, except as expressly described in these Terms.

If the Company cancels a Challenge before it begins (for example, because no other participants joined), Entry Fees paid will be refunded to the participants' Cash Balance or as Promotional Credit, as disclosed in the Application.

In other exceptional circumstances, including medical emergencies supported by reasonable documentation or technical failures verified by the Company, the Company may in its discretion refund an Entry Fee or issue Promotional Credit. Requests must be submitted to support@playsteppa.com, where possible before the Challenge ends.

Time, Time Zones, and Challenge Boundaries

Challenge start and end times are based on Your local time zone as recorded by the Application at the time You join the Challenge. Daily progress is measured in Your local calendar day.

The Company's record of Your time zone at join time is authoritative. The Company is not liable for missed deadlines, missed daily targets, or any other adverse outcome resulting from time-zone confusion, device clock errors, daylight-saving transitions, travel across time zones, or changes to Your device's regional settings during a Challenge.

Sponsored Challenges and Creator Contracts

Some Challenges are Sponsored Challenges and may have no Entry Fee or modified Prize Pool structure. The specific terms applicable to a Sponsored Challenge are displayed in the Application before You enter and supplement these Terms. The sponsor of a Sponsored Challenge has no relationship with You and assumes no obligations to You; the Company alone administers the Challenge and Prize Pool. Sponsorship does not constitute an endorsement by the Company of the sponsor's products or services.

Some Challenges are operated under a Creator Contract that may modify the Platform Fee, Creator Cut, or settlement terms applicable to that Challenge. Any binding terms that affect participants will be displayed in the Application before You enter and supplement these Terms.

Health Data Tracking — Your Responsibilities

Challenge progress is tracked using data from Apple HealthKit and Your device's health and fitness tracking capabilities. By participating in Challenges, You agree that the Company's record of Your steps and activity, derived from Apple HealthKit's aggregated data and submitted by the Application, is authoritative for all Challenge purposes. You acknowledge and agree to the following responsibilities:

The Company makes no representation or warranty as to the accuracy of data reported by Apple HealthKit, Your device's sensors, or any third-party application. Apple's reported step counts may differ between devices and over time. You accept these inherent limitations as a condition of participating in Challenges.

Third-Party Wearable Devices — Known Reliability Limitation. The Company is aware that third-party wearable devices and their companion applications (including but not limited to WHOOP, Oura, Fitbit, and Garmin) do not always reliably sync step data to Apple HealthKit, and that users who rely solely on such devices report missing or delayed steps at a meaningfully higher rate than users who rely on the iPhone's onboard motion sensors or a paired Apple Watch. The root cause typically sits between the wearable's companion application and Apple HealthKit, which is outside the Company's control. The Company is working to improve handling of third-party wearable data, but does not guarantee that steps recorded by any third-party wearable will reach Apple HealthKit, will be timestamped correctly, or will be counted toward any Challenge. For paid Challenges, the Company strongly recommends keeping Your iPhone on Your person during step-generating activity, or using a paired Apple Watch as Your primary tracker. If You choose to rely solely on a third-party wearable, You do so at Your own risk, and the Company will not refund Entry Fees, extend Challenge deadlines, or otherwise compensate You for steps that did not reach Apple HealthKit because of a third-party wearable sync failure.

Fair Play and Prohibited Conduct

You agree to participate in Challenges honestly and fairly, using only physical activity that You personally perform. Prohibited conduct includes, but is not limited to:

Anti-Cheat, Audit, and Disqualification Authority

The Company expects and requires fairness from every participant and reserves the right to require additional audit of results.

Audit on Request. The Company may require You to submit additional proof supporting Your Challenge activity, which may include device data, Apple Health records, screenshots, or other reasonable verification, within 24 hours of the Company's request. Instructions will be provided with the request. Failure to comply within the required period will result in forfeiture of the affected Entry Fee and any associated winnings.

Voiding Authority. The Company may, in its sole and reasonable discretion, void any Challenge progress, Challenge entry, or Challenge result if We have a good-faith basis to believe it was generated by: (a) manual or third-party-application step entry; (b) physical manipulation of devices (including mounting on motors, pets, vehicles, or shaking devices); (c) jailbroken, rooted, emulated, or otherwise modified devices or operating systems; (d) data not generated by the registered user's bona fide personal physical activity; (e) impossible or implausible step rates, durations, or patterns; (f) coordination between Accounts; or (g) any other circumstance We reasonably deem fraudulent, abusive, or contrary to the spirit of fair competition.

If We void Your progress, entry, or result under this Section, You forfeit the affected Entry Fee, any associated Promotional Credits, and any pending or already-distributed winnings related to the affected Challenge. The Company may also: immediately suspend or permanently terminate Your Account; freeze and claw back amounts of Cash Balance and Promotional Credits attributable to the fraudulent or violating activity; ban You from re-registering; and pursue legal action and report fraudulent activity to relevant authorities. The Company will not confiscate portions of Your Cash Balance that are unrelated to the violation; see "Account Suspension, Deletion, and Termination."

Submission of fraudulent information not only violates these Terms but may subject You to civil liability and criminal penalties under applicable law.

Where a payout is withheld pending identity verification or a fair-play review, the Company will complete its review within a reasonable period, absent extraordinary circumstances communicated to You.

Determinations made under this Section are final and binding.

Multiple Accounts

You may maintain only one Account. The Company prohibits the operation of multiple Accounts by the same individual or by individuals coordinating to gain unfair advantage in Challenges or to abuse promotional offers.

The Company uses email addresses, payment-method fingerprints, device signals, and other indicators to detect duplicate or coordinated Accounts. Where We determine, in our sole discretion, that You operate or coordinate multiple Accounts, We may terminate any or all such Accounts and forfeit Promotional Credits and any Cash Balance or pending winnings attributable to the duplicate or coordinated activity.

Disputes and Challenge Results

If You believe there is an error in Your Challenge results or have a dispute regarding a Challenge outcome, You must contact Us within 7 days of the Challenge end date at support@playsteppa.com. Disputes received after this 7-day period will not be considered.

We will review timely disputes carefully, including against Your verified Apple Health records where You provide them, and make a determination in our sole discretion. Our decision regarding Challenge results and disputes is final and binding.

Payment Processing and Financial Terms

Entry Fees are processed through Whop. U.S. payouts are processed through Mercury (no fee to You); PayPal payouts are processed through PayPal (no fee charged by the Company); international payouts are processed through Whop's payout-method network (You pay the method-specific processing fee, deducted from the payout amount). The Company may change Payment Processors at any time, with notice provided through the Application or by email. By using the Service, You agree to the applicable Payment Processor's terms of service and privacy policy.

The Company is not a bank, money transmitter, or financial institution. Cash Balance held in Your Account is not interest-bearing, is not insured by the FDIC or any equivalent body, and remains subject to these Terms.

Account Balance and Dormancy

Cash Balance is held by the Company on Your behalf and is generally maintained indefinitely while Your Account remains in good standing. Cash Balance does not earn interest.

Cash Balance is subject to applicable unclaimed-property and escheatment laws. Where required by law, the Company may report and remit unclaimed Cash Balance to the appropriate state or governmental authority following the procedures and after the dormancy periods specified by such laws.

Promotional Credits are not subject to unclaimed-property laws and may expire on the schedule disclosed at the time of issuance.

Chargebacks and Payment Disputes

If You initiate a chargeback, payment dispute, or reversal request with Your payment method provider for any Entry Fee or other charge incurred through the Service, the Company may, immediately and without notice: (a) suspend or terminate Your Account; (b) forfeit Your Cash Balance, Promotional Credits, and any pending winnings; (c) reverse any prior payouts to the extent permitted by law; (d) ban You from re-registering for the Service; and (e) pursue legal action to recover the disputed amount, related fees, and the Company's costs of defending the dispute.

You agree that the Company's records of Your transactions, Challenge entries, and progress constitute conclusive evidence in any chargeback or payment dispute.

If You believe a charge was made in error, contact Us at support@playsteppa.com before initiating a chargeback. We will work in good faith to resolve legitimate billing concerns.

If a charge made with Your authorization results in an overdraft, chargeback fee, or other fee imposed by Your bank or payment provider, You alone are responsible for that fee.

Anti-Money Laundering

The Company prohibits the use of the Service to launder funds or to move value between persons. Prohibited patterns include, without limitation: entering Challenges with the intent of deliberately failing so that value passes to coordinating participants; funding an Account with payment instruments not in Your name; structuring entries, drop-outs, or payout requests to obscure the source or destination of funds; and any use of the Service to transfer value between Accounts. The Company may require identity verification (including government-issued identification and proof of address) at registration, before any payout, or upon any activity pattern that triggers its compliance procedures. Suspicious activity may be reported to relevant authorities, and associated funds may be frozen pending review, subject to the review timeline described under "Anti-Cheat, Audit, and Disqualification Authority."

Taxes and Reporting

You are solely responsible for all applicable taxes on any winnings You receive and for reporting such winnings to the appropriate tax authorities in Your jurisdiction.

For U.S. users: The Company may be required to report winnings of $600 or more per calendar year to the Internal Revenue Service via Form 1099. You may be required to provide tax identification information (such as Your Social Security Number or Tax Identification Number) and complete additional verification before such payouts are processed.

For non-U.S. users: You are responsible for understanding and complying with Your local tax laws regarding reporting of winnings. The Company does not provide tax advice. Consult a tax professional if You have questions about Your tax obligations.

The Company is not responsible for any fees charged by Your bank, payment provider, or financial institution for receiving transfers, currency conversion, or other payment-related services.

User Content

Your Responsibility. You are solely responsible for the profile information (including Your name, username, image, avatar, and likeness) and any other content that You upload, publish, or display on or through the Service (collectively, "User Content"). You may not post User Content that You did not create or that You do not have permission to post. You understand and agree that the Company may, but is not obligated to, review the Service and may delete or remove (without notice) any User Content in its sole discretion, for any reason or no reason, including User Content that in the Company's sole judgment violates this Agreement or the Code of Conduct.

License to the Company. When You post User Content to the Service, You authorize and direct Us to make copies as We deem necessary to facilitate posting and storage. By posting User Content, You automatically grant, and You represent and warrant that You have the right to grant, the Company a non-exclusive, transferable, fully paid, worldwide license (with the right to sublicense) to use, copy, publicly display, reformat, translate, excerpt, and distribute such User Content in connection with operating, providing, securing, promoting, and improving the Service, consistent with the Privacy Policy. Where User Content contains individual-level health information (for example, step counts, activity records, or fitness results attributable to You), the Company will use it only to operate, secure, and improve the Service (including verifying Challenge results, preventing fraud, and providing support), in aggregated or de-identified form for analytics and product development, and as otherwise consistent with the Privacy Policy. The Company will not use Your individual-level health information for advertising, public marketing, or disclosure to third parties for AI training without Your separate, specific opt-in consent. Aside from this license, You retain all rights to Your User Content, including the right to remove it at any time.

Submissions. Any questions, comments, suggestions, ideas, feedback, or other information about the Service ("Submissions") that You provide to the Company are non-confidential and become the sole property of the Company. The Company will own exclusive rights to, and be entitled to the unrestricted use and dissemination of, those Submissions for any purpose, without acknowledgment or compensation to You. This Section does not apply to User Content, which is governed by the license above.

Copyright Complaints (DMCA)

You may not post, distribute, or reproduce any copyrighted material, trademarks, service marks, or other proprietary information owned by another party without the prior written consent of the owner. If You believe that Your work has been copied and posted on the Service in a way that constitutes copyright infringement, please send a notification containing the information required by the Digital Millennium Copyright Act (DMCA) to support@playsteppa.com with the subject line "DMCA Notice." In accordance with the DMCA and other applicable law, the Company has adopted a policy of terminating, in appropriate circumstances and at the Company's sole discretion, users deemed to be repeat infringers.

Health, Medical, and Professional Advice Disclaimer

No Medical Advice: THE SERVICE IS NOT INTENDED TO PROVIDE MEDICAL ADVICE. The Company is not a healthcare provider or medical organization and has no knowledge of Your health conditions. You should consult with a healthcare professional before beginning any fitness program or participating in physical Challenges, especially if You have any pre-existing health conditions. You alone are responsible for any actions You take that may carry health or other risks.

The Company makes no representations or warranties regarding the health benefits or safety of participating in Challenges. You participate in all fitness activities at Your own risk. Do not join a Challenge with a goal that is unsafe for Your health, and stop physical activity immediately if You experience pain, dizziness, or other warning signs. No Challenge or prize is worth an injury. You voluntarily assume all risks of physical injury arising from Your participation, and You agree that financial incentives offered through the Service do not obligate You to engage in activity that is unsafe for You.

Step counts, activity data, and other health metrics provided by the Service are for informational and entertainment purposes only and should not be used for medical diagnosis or treatment.

No Professional Advice: Nothing in the Service constitutes professional advice of any kind, including but not limited to medical, legal, financial, tax, or investment advice. Any content, tips, suggestions, or information provided through the Service is for general informational and entertainment purposes only. You should not rely on any information in the Service as a substitute for professional advice from qualified professionals in the relevant fields.

Geographic Restrictions and Permitted Jurisdictions

The Service and Challenges with monetary prizes may not be available in all locations due to local laws and regulations. Paid Challenges are available only in jurisdictions where the Company permits them. The Company reserves the right to restrict, suspend, or prohibit access to the Service or any Challenge in any jurisdiction at any time and without notice, including jurisdictions where skill-based competitions with entry fees are regulated, restricted, or prohibited. The Application will indicate at signup or before entry if paid Challenges are not available in Your region.

You represent and warrant that Your participation in any Challenge is lawful in Your jurisdiction, and You consent to the Company's use of geolocation signals (including IP address and device signals) to verify Your location. If the Company determines that You joined a paid Challenge from a restricted jurisdiction, the Challenge entry will be voided and the Entry Fee refunded; this remedy does not apply where You used location spoofing or similar tools in violation of these Terms, in which case the Fair Play and Anti-Cheat provisions govern. It is Your sole responsibility to ensure that Your use of the Service complies with all applicable local laws. Use of the Service where prohibited is void.

If the Service becomes unavailable in Your region, active Challenges and pending payouts will be processed as normal, and You will be able to withdraw Your remaining Cash Balance subject to these Terms.

Third-Party Services

The Service utilizes various third-party service providers, including but not limited to:

Your use of these third-party services is subject to their respective terms of service and privacy policies. The Company is not responsible for the actions, policies, or service availability of these third-party providers. Reference to any third-party product or service does not constitute or imply endorsement, sponsorship, or recommendation by the Company.

Apple App Store Terms

These Terms are between You and the Company only, and not with Apple Inc. ("Apple"). Apple is not responsible for the Service or its content. The Company, not Apple, is solely responsible for the Service and for addressing any claims by You or any third party relating to the Service, including product liability claims, claims that the Service fails to conform to legal or regulatory requirements, and claims under consumer protection or similar legislation. Apple has no obligation to furnish any maintenance or support services for the Service. In the event of any failure of the Application to conform to an applicable warranty, You may notify Apple and Apple will refund the purchase price of the Application (if any) to You; to the maximum extent permitted by law, Apple has no other warranty obligation with respect to the Application. Apple and its subsidiaries are third-party beneficiaries of these Terms, and upon Your acceptance, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against You as a third-party beneficiary. You must comply with the Apple App Store Terms of Service and applicable Usage Rules when using the Application.

Intellectual Property

The Service and its original content, features, and functionality are owned by Steppa LLC and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

Steppa and other Company graphics, logos, designs, page headers, button icons, scripts, and service names are trademarks, service marks, or trade dress of the Company. They may not be used in connection with any product or service in a manner likely to cause confusion, and may not be copied or imitated, in whole or in part, without the Company's prior written permission.

You retain ownership of any personal data You provide to the Service, but You grant the Company a license to use, store, and process this data as necessary to provide the Service and as described in our Privacy Policy.

Challenge results, leaderboards, and aggregated statistics may be used by the Company for marketing, promotional, and analytical purposes, subject to the limitations on individual-level health information described in these Terms and the Privacy Policy.

Account Suspension, Deletion, and Termination

You may delete Your Account at any time and for any reason through the Application's settings or by contacting support@playsteppa.com. The following terms apply:

In addition to the rights described elsewhere in these Terms, the Company may suspend or terminate Your Account, immediately and without notice, for any violation of these Terms, including but not limited to:

If Your Account is suspended or terminated for violating these Terms: Entry Fees for active Challenges in which You were disqualified for cause are forfeited; all Promotional Credits are forfeited; pending winnings and Cash Balance attributable to fraud or violations of these Terms are forfeited; and verified winnings already earned through legitimate participation will be paid, less amounts attributable to fraud. The Company will never confiscate Your unused, legitimately held Cash Balance as a penalty. Beyond the foregoing, the Company is not obligated to provide refunds or compensation for suspended or terminated Accounts.

You may appeal Account suspensions by contacting support@playsteppa.com. All appeal decisions are made at our sole discretion and are final.

If You terminate Your Account while participating in an ongoing Challenge, You remain bound by the terms applicable to that Challenge until it concludes.

Service Availability, Force Majeure, and Settlement Delays

The Service is provided on an "as available" basis. Outages, maintenance, system errors, network congestion, capacity limits, third-party service failures (including but not limited to Apple, Whop, Mercury, PayPal, Supabase, Expo, telecommunications carriers, internet service providers, and cloud infrastructure providers), and other circumstances beyond the Company's reasonable control may delay, prevent, or otherwise affect the operation, settlement, or payout of Challenges.

For Challenges materially affected by such circumstances, Your sole and exclusive remedy is, at the Company's discretion: (a) extending the affected Challenge; (b) voiding the affected Challenge day for all participants in that Challenge (for example, in the event of a verified widespread outage of Apple Health or HealthKit syncing); (c) refunding affected Entry Fees to Cash Balance; or (d) settling the Challenge based on best-available data.

Force Majeure: The Company will not be liable for any failure or delay in the performance of its obligations under these Terms to the extent caused by acts of God, natural disasters, war, terrorism, civil unrest, pandemic, epidemic, government action, embargo, strike, labor dispute, fire, flood, power failure, telecommunications failure, third-party service failure, cyberattack, or any other event beyond the Company's reasonable control.

Disputes Between Users

You are solely responsible for Your interactions with other users of the Service. We reserve the right, but have no obligation, to monitor and resolve disputes between You and other users. If We do resolve such a dispute, our decision is final.

Links to Other Websites

Our Service may contain links to third-party web sites or services that are not owned or controlled by the Company.

The Company has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree that the Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods or services available on or through any such web sites or services.

We strongly advise You to read the terms and conditions and privacy policies of any third-party web sites or services that You visit.

Indemnification

You agree to defend, indemnify, and hold harmless the Company, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees and costs, arising out of or in any way connected with:

Termination

We may terminate or suspend Your access immediately, without prior notice or liability, for any reason whatsoever, including without limitation if You breach these Terms and Conditions.

Upon termination, Your right to use the Service will cease immediately.

Limitation of Liability

Notwithstanding any damages that You might incur, the entire liability of the Company and any of its suppliers under any provision of these Terms and Your exclusive remedy for all of the foregoing shall be limited to the amount actually paid by You through the Service in the twelve (12) months preceding the event giving rise to the claim, or 100 USD if You haven't purchased anything through the Service.

The Company bears no liability for Entry Fees forfeited in accordance with Challenge rules and these Terms. You acknowledge that participation in paid Challenges carries financial risk.

To the maximum extent permitted by applicable law, in no event shall the Company or its suppliers be liable for any special, incidental, indirect, or consequential damages whatsoever (including, but not limited to, damages for loss of profits, loss of data or other information, for business interruption, for personal injury, loss of privacy arising out of or in any way related to the use of or inability to use the Service, third-party software and/or third-party hardware used with the Service, or otherwise in connection with any provision of these Terms), even if the Company or any supplier has been advised of the possibility of such damages and even if the remedy fails of its essential purpose.

Some states do not allow the exclusion of implied warranties or limitation of liability for incidental or consequential damages, which means that some of the above limitations may not apply. In these states, each party's liability will be limited to the greatest extent permitted by law.

"AS IS" and "AS AVAILABLE" Disclaimer

The Service is provided to You "AS IS" and "AS AVAILABLE" and with all faults and defects without warranty of any kind. To the maximum extent permitted under applicable law, the Company, on its own behalf and on behalf of its Affiliates and its and their respective licensors and service providers, expressly disclaims all warranties, whether express, implied, statutory or otherwise, with respect to the Service, including all implied warranties of merchantability, fitness for a particular purpose, title and non-infringement, and warranties that may arise out of course of dealing, course of performance, usage or trade practice. Without limitation to the foregoing, the Company provides no warranty or undertaking, and makes no representation of any kind that the Service will meet Your requirements, achieve any intended results, be compatible or work with any other software, applications, systems or services, operate without interruption, meet any performance or reliability standards or be error free or that any errors or defects can or will be corrected.

Without limiting the foregoing, neither the Company nor any of the Company's providers makes any representation or warranty of any kind, express or implied: (i) as to the operation or availability of the Service, or the information, content, and materials or products included thereon; (ii) that the Service will be uninterrupted or error-free; (iii) as to the accuracy, reliability, or currency of any information or content provided through the Service; or (iv) that the Service, its servers, the content, or e-mails sent from or on behalf of the Company are free of viruses, scripts, trojan horses, worms, malware, timebombs or other harmful components.

Some jurisdictions do not allow the exclusion of certain types of warranties or limitations on applicable statutory rights of a consumer, so some or all of the above exclusions and limitations may not apply to You. But in such a case the exclusions and limitations set forth in this section shall be applied to the greatest extent enforceable under applicable law.

Governing Law; Venue and Jurisdiction

The laws of the State of Delaware, United States, excluding its conflicts of law rules, shall govern these Terms and Your use of the Service. Your use of the Application may also be subject to other local, state, national, or international laws.

With respect to any disputes or claims not subject to arbitration as set forth below, You agree not to commence or prosecute any action other than in the state and federal courts located in Delaware, and You hereby consent to, and waive all defenses of lack of personal jurisdiction and forum non conveniens with respect to, venue and jurisdiction in such courts.

Disputes Resolution

If You have any concern or dispute about the Service, You agree to first try to resolve the dispute informally by contacting the Company.

For European Union (EU) Users

If You are a European Union consumer, You will benefit from any mandatory provisions of the law of the country in which You are resident.

United States Legal Compliance

You represent and warrant that (i) You are not located in a country that is subject to the United States government embargo, or that has been designated by the United States government as a "terrorist supporting" country, and (ii) You are not listed on any United States government list of prohibited or restricted parties.

Severability and Waiver

Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.

Waiver

Except as provided herein, the failure to exercise a right or to require performance of an obligation under these Terms shall not affect a party's ability to exercise such right or require such performance at any time thereafter nor shall the waiver of a breach constitute a waiver of any subsequent breach.

Survival

Although this Agreement may be terminated by You or by Us at any time, the following provisions survive any termination: all definitions; all provisions relating to rights and limitations on rights (except that all rights of users terminate on termination of this Agreement); the Financial Risk Acknowledgment; all payment, tax, chargeback, forfeiture, and unclaimed-property provisions with respect to amounts accrued before termination; all disclaimer, limitation of liability, and indemnification provisions; the User Content license to the extent provided in that Section; the Governing Law, Dispute Resolution and Arbitration, and Class Action Waiver provisions; and this Survival section.

Translation Interpretation

These Terms and Conditions may have been translated if We have made them available to You on our Service. You agree that the original English text shall prevail in the case of a dispute.

Assignment and Transfer

The Company may assign, transfer, or delegate any or all of its rights and obligations under these Terms without Your consent in connection with:

You may not assign or transfer Your rights or obligations under these Terms without Our prior written consent.

No Agency

There is no agency, partnership, joint venture, employee-employer, or franchisor-franchisee relationship between You and Us, between Us and any sponsor (for purposes of Your relationship with Us), or between Us and any other user of the Service.

Entire Agreement

These Terms, together with the Privacy Policy and the Code of Conduct, constitute the entire agreement between You and the Company regarding the use of the Service, superseding any prior agreements between You and the Company relating to Your use of the Service. This Agreement may not be changed orally.

Dispute Resolution and Arbitration

Informal Resolution

Before initiating any formal dispute resolution, You agree to first contact Us at support@playsteppa.com to attempt to resolve the dispute informally. We will attempt to resolve disputes in good faith for a period of at least 30 days.

Binding Arbitration

If We cannot resolve a dispute informally, any dispute, claim, or controversy arising out of or relating to these Terms or the Service (including the formation, performance, or breach of these Terms) shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The U.S. Federal Arbitration Act governs the interpretation and enforcement of this arbitration provision. You and the Company each waive the right to a trial by jury.

The arbitration will be conducted by a single arbitrator. The arbitrator's decision will be final and binding, and judgment on the award may be entered in any court having jurisdiction.

The arbitration will take place in Delaware, United States, or another location mutually agreed upon by the parties. You may choose to conduct the arbitration by telephone, based on written submissions, or in person.

You acknowledge that You may consult with an attorney in deciding whether to accept these Terms, including this obligation to arbitrate and the waiver of class actions and of trial by jury.

Class Action Waiver

YOU AND THE COMPANY AGREE THAT EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A CLASS MEMBER OR REPRESENTATIVE IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING.

Unless both You and the Company agree otherwise, the arbitrator may not consolidate or join the claims of other persons or parties, and may not preside over any form of consolidated, representative, or class proceeding.

If this class action waiver is found to be unenforceable, then the entirety of this arbitration provision shall be null and void.

Exceptions to Arbitration

Either party may bring a claim in small claims court if the claim qualifies. Additionally, either party may seek equitable relief in court for infringement or misuse of intellectual property rights, and this agreement to arbitrate shall not apply, at the option of the Company, to the extent You have violated or threatened to violate the Company's intellectual property rights.

Opt-Out Right

You have the right to opt out of this arbitration agreement within 30 days of first accepting these Terms by sending written notice to support@playsteppa.com with the subject line "Arbitration Opt-Out" and including Your name, email address, and a clear statement that You wish to opt out of the arbitration agreement.

Steppa Code of Conduct

The Code of Conduct is part of these Terms. When You use the Service or participate in a Challenge, You agree to abide by it. Failure to adhere to the Code of Conduct may result in removed content, removal from a Challenge without refund, or suspension or termination of Your Account, with or without notice, as determined by the Company in its sole discretion.

Changes to These Terms and Conditions

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will make reasonable efforts to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use Our Service after those revisions become effective, You agree to be bound by the revised terms. If You do not agree to the new terms, in whole or in part, please stop using the Service.

Contact Us

If You have any questions about these Terms and Conditions, You can contact Us: