These Terms of Service ("Terms") form a binding agreement between you and Walk Or Lose — the service operated by Alejandro Egea Aguilera, an individual (sole proprietor) established at Jenaro Checa 72, 50007 Zaragoza, Spain ("Walk Or Lose", "we", "us"). They govern your use of the Walk Or Lose mobile app, website, and any related services (collectively, the "Service"). The Program Rules and Privacy Policy are incorporated by reference.
1. Acceptance
By creating an account, joining a program, or otherwise using the Service, you agree to these Terms. If you don't agree, don't use the Service. If you're agreeing on behalf of an organization (for a private program, say), you represent that you have authority to bind that organization.
2. The service
Walk Or Lose provides a platform for skill-based step-counting fitness programs with cash rewards. Users join a program, make a pledge, hit daily step goals to remain eligible, and — if they complete the program — have their pledge returned together with any return earned. Pledges of participants who do not complete the program are not returned. The mechanics are described in detail in the Program Rules.
3. Eligibility
To use any part of the Service, you must:
- Be at least 13 years old (18 for paid programs)
- Have the legal capacity to enter into a binding contract
- Not be on any sanctions list, denied-persons list, or similar restricted list
Lawfulness and location are your responsibility. Paid programs are void where prohibited. It is your responsibility to confirm that paid participation is lawful where you reside and where you are physically located. By joining a paid program you represent and warrant that (a) you are at least 18; (b) paid, skill-based real-money fitness programs of the kind offered by the Service are lawful in your jurisdiction of residence and in your current location; and (c) you are not located in, or a resident of, any place where the Service or paid programs are prohibited. You acknowledge that these laws vary by country and by US state, that you may be in a jurisdiction where paid programs are restricted or prohibited, and that you participate at your own risk and are solely responsible for compliance with your local laws. We may restrict, geofence, verify, or refuse access at our discretion, but we are not obligated to determine the legality of your participation for you. Free programs (such as the Daily Bonus) remain open subject to the general age and conduct rules. The same list applies in the Program Rules §1.
Sanctions and insiders. You represent that you are not located in or a resident of any country subject to comprehensive sanctions, and are not on any government restricted-party or sanctions list. Our employees, contractors, and members of their households may not join paid programs.
We may, at our discretion, restrict the Service in any jurisdiction at any time.
4. Your account
You're responsible for keeping your account credentials confidential and for everything that happens under your account. One account per person. If you suspect unauthorized access, change your password immediately and email support@walkorlose.com.
Your username and profile photo are public. Don't pick a username that's offensive, impersonates someone, infringes a trademark, or otherwise violates these Terms — we may rename or remove accounts that do.
5. Programs & pledges
By joining a program you agree to the Program Rules in force at the time of kickoff. Pledges are final at kickoff and may not be cancelled or refunded except as expressly provided in the Rules.
Walk Or Lose acts as the operator of the program, not as a participant. We do not take part against any user. Everything returned in a program is funded entirely by participants' own pledges, held separately at our payments partner, and returned automatically based on the program result.
We may cancel a program before kickoff for any reason; pledges will be refunded in full. We may cancel a program after kickoff only in extraordinary circumstances (e.g. a critical platform failure that prevents fair adjudication); pledges will be refunded pro-rata.
The Daily Bonus is free to take part in (no purchase necessary) and is the only feature in which a recipient is selected at random. All paid programs are determined by skill, decided solely by your own measured step activity; no paid program involves chance.
6. Payments & returns
Payments. Pledges and returns are handled by our payment processor, PayPal. PayPal acts solely as a payment processor — it is not the seller or merchant of record, does not own or hold participants' pledged funds, and does not determine program outcomes. By paying a pledge you also agree to PayPal's then-current terms and privacy policy. Walk Or Lose remains the provider of the Service; it is not a bank, payment institution, e-money issuer, or money transmitter, and pledged balances are operated solely to run and settle each program and are held for participants only transiently pending settlement (they are not deposits, are not interest-bearing, and are not covered by any deposit-guarantee scheme). We are not responsible for the acts, omissions, availability, processing times, or fees of any third-party payment provider.
Pledges. Custom programs you create range from €20 to €1,000 (or free); official programs are priced by Walk Or Lose and may be lower. The Daily Bonus is free. The pledge is paid when you join — there is no separate wallet top-up. Returns are credited to your in-app rewards balance, from which you can withdraw to PayPal (minimum €5, a €100 daily cap per rolling 24 hours, one pending request at a time) or apply toward a future pledge. Wallets are denominated in euro (€) and represent a claim against Walk Or Lose for the equivalent value — they are not bank accounts, not licensed e-money accounts, and not insured by any deposit protection scheme.
Two balances. Your rewards balance is withdrawable money funded by rewards and refunds. Your promo balance — funded by the Daily Bonus, promo codes, and referrals — is promotional credit that is not withdrawable and can only be applied to pledges. When you pledge, promo credit is applied first, then rewards, then a card/PayPal charge.
Walk Or Lose retains a flat 15% service fee from the cash amounts distributed in each paid program at the time of return (30% in the case of an Ongoing program in which no participant completes; sponsored programs take no commission). We may revise the service fee on at least 60 days' notice and only for programs that begin after the change takes effect.
Chargebacks. Filing a chargeback or payment dispute on a validly paid pledge, instead of using our refund process, is a breach of these Terms. We may suspend or terminate your account, cancel your right to the affected balances and rewards, and recover the disputed amount plus our costs.
Dormant accounts. If your account is inactive for 12 months we will email you at your registered address. Wallet balances that remain unclaimed after 24 months of inactivity, or after account closure where we cannot reach you, may lapse to the extent permitted by law, after we attempt to return them and meet any applicable unclaimed-property obligations. We charge no dormancy fees on rewards you withdraw.
For returns in excess of €600 in a calendar year, you authorize us to collect the identity information required by law to issue a tax summary, and you are solely responsible for any taxes on your rewards.
7. Acceptable conduct
You agree not to:
- Generate steps mechanically (shakers, swingers, treadmill-with-phone, etc.) or via software
- Have another person carry your phone or wear your wearable while you are taking part in a program
- Operate more than one account, or share an account with another person
- Use a VPN or other tool to misrepresent your jurisdiction
- Scrape, reverse-engineer, decompile, or otherwise attempt to extract source code or step data of other users
- Interfere with the operation of the Service, attack our infrastructure, or attempt to circumvent rate limits or anti-abuse systems
- Use the Service to harass, threaten, defraud, or defame any other user
- Use the Service for money laundering, terrorist financing, or any other illegal purpose
8. Responsible participation
Paid programs are a personal fitness commitment — take part within your means. You can set pledge limits or self-exclude at any time in Settings or by contacting support@walkorlose.com.
Identity & anti-fraud. We may verify your identity (through our provider, Persona) and screen against sanctions lists before processing returns, and may withhold or reverse funds connected to fraud, manipulation, multiple accounts, or sanctioned parties.
9. Health disclaimer
Walk Or Lose is not a medical device, not a medically supervised fitness or training programme, and not a substitute for professional medical advice. Walking and other physical activity carry risks of injury. Before significantly increasing your activity level, consult a qualified healthcare professional, especially if you have a heart condition, joint injury, are pregnant, or have any other condition that may be affected by physical exertion.
You take part in programs at your own risk. Walk Or Lose disclaims all liability for any injury, illness, or other adverse health outcome resulting from your participation, to the maximum extent permitted by law.
10. Third-party services
The Service integrates with third-party services including Android Health Connect, Google Fit, Samsung Health, Fitbit, Garmin, PayPal, Persona, Google Play Integrity, and others. Your use of those services is governed by their own terms. We are not responsible for third-party services and do not control their availability or behavior.
11. Intellectual property
The Service, including the Walk Or Lose name, logo, app, website, and all related content (other than user-generated content) is owned by Walk Or Lose or its licensors and is protected by intellectual property law. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for its intended purpose. Nothing else is granted.
You retain ownership of any content you submit (profile photo, username, support tickets). You grant us a non-exclusive, royalty-free license to use such content as necessary to operate the Service.
12. Suspension & termination
We may suspend or terminate your account at any time if we reasonably believe you have violated these Terms or the Program Rules, or if continued operation of your account presents a legal or fraud risk to the Service or other users. Suspension may result in the loss of pledges and pending rewards as described in the Rules.
You may close your account at any time from the app's settings. Closing your account does not refund pledges already locked into a program.
13. Warranty disclaimer
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.
14. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, WALK OR LOSE'S TOTAL LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE IS LIMITED TO THE GREATER OF (A) THE TOTAL AMOUNT YOU PAID TO WALK OR LOSE IN THE 12 MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) €100. WE WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES.
Some jurisdictions don't allow these limitations; in those, the limitations apply to the maximum extent permitted by law.
In no event are we liable for amounts pledged, not returned, or not earned in any program. Nothing in these Terms excludes or limits liability that cannot be excluded or limited by law — including for death or personal injury caused by negligence, for fraud, or for your non-waivable statutory consumer rights. If you are a consumer in the EEA or UK, your mandatory local-law rights are unaffected and prevail over any conflicting term.
15. Indemnification
You agree to indemnify and hold harmless Walk Or Lose and its directors, officers, employees, and agents from any claim, liability, damage, loss, or expense (including reasonable legal fees) arising out of your use of the Service, your violation of these Terms or the Rules, or your violation of any law or third-party right.
16. Disputes
Informal resolution. Before filing a formal claim, you agree to try to resolve the dispute informally by emailing support@walkorlose.com with a description of the dispute and what you'd like us to do about it. We'll respond within 30 days.
Courts. If we can't resolve it informally, either party may bring the matter before the competent courts described in §17 (Governing law). We may also seek injunctive or equitable relief in court to protect our intellectual property.
EU consumers — online dispute resolution. If you are a consumer resident in the EU, you may also submit disputes to the European Commission's Online Dispute Resolution platform at https://ec.europa.eu/consumers/odr. Nothing in these Terms removes the mandatory consumer-protection rights of your country of residence, including your right to bring proceedings in the courts of your place of residence.
17. Governing law
These Terms are governed by the laws of Spain, without prejudice to the mandatory consumer-protection rules of your country of residence within the EU. If you are a consumer you may bring proceedings in the courts of your place of residence; otherwise the courts of Zaragoza, Spain shall have jurisdiction.
18. Changes
We may change these Terms from time to time. We'll notify you of material changes at least 30 days before they take effect. Continued use of the Service after the change date constitutes acceptance. If you don't accept the new Terms, stop using the Service and close your account.
19. Miscellaneous
Entire agreement. These Terms, together with the Program Rules and Privacy Policy, are the entire agreement between you and Walk Or Lose regarding the Service and supersede any prior agreements.
Severability. If any provision is held unenforceable, the rest of these Terms remain in effect.
No waiver. Our failure to enforce a provision is not a waiver of our right to do so later.
Assignment. You may not assign these Terms without our prior written consent. We may assign them at any time without notice.
Contact. Questions? support@walkorlose.com · Walk Or Lose.