Terms & Conditions

These terms and conditions (the "Terms") apply to the CLIP app for mobile devices (the "Application"), created and operated by Youssef Elseifi (the "Service Provider") as a commercial service. By downloading or using the Application, you agree to these Terms. You must be at least 18 years old and legally able to form a binding contract to use CLIP.

The Service

CLIP is a personal accountability service built on commitment contracts. You create a commitment — a specific goal with a time limit — choose a consequence amount, and name a judge: a specific person you know who agrees to review your proof (photos or honor check-ins) and mark the commitment kept or missed. The Application may refer to the consequence amount as your "stake." The Service Provider supplies the accountability service: commitment tracking, proof submission, judge review, reminders, and notifications.

Fees and Payment Authorization

Nothing is charged when you create a commitment. When you create a commitment, you save a payment method through Stripe and authorize the Service Provider to charge it the consequence amount in the future — only if the commitment ends missed.

If you keep your commitment, the authorization is never used. You pay nothing.

If your commitment ends missed, the Service Provider charges your saved payment method the consequence amount. That charge is the Service Provider's fee for the accountability service it has provided to you, and once made it is the Service Provider's own revenue.

The judge payment is a separate transaction. Separately and independently, the Service Provider makes a payment of its own to your named judge, via PayPal, as a cost of providing its service. The judge is paid by the Service Provider from the Service Provider's own funds — not by you. Your charge (if any) and the judge payment (if any) are two independent transactions: yours is a payment to the Service Provider; the judge's is a payment from the Service Provider.

CLIP does not hold balances or store funds for users. CLIP is not a bank. Payment processing is provided by Stripe, and your card details never touch the Service Provider's servers.

You agree to keep a valid payment method saved while you have an active commitment, and you authorize the charge described above to be made without further confirmation at the time it occurs. If a charge cannot be completed — for example, a declined card or a card-authentication requirement — the Service Provider may retry the charge, ask you to confirm it in the Application, and may suspend your ability to create new commitments until the matter is resolved.

No Element of Chance

CLIP involves no element of chance. Whether you are charged is determined entirely by your own actions and your named judge's good-faith review — nothing is random. There is no prize: no one receives money through CLIP for keeping a commitment; keeping your commitment simply means you are never charged. Consequence amounts are never pooled, matched, multiplied, or combined with those of other users. The only person other than the Service Provider who receives a payment in connection with your commitment is the specific judge you personally chose. The Service Provider does not gain from missed commitments: when it charges its fee, it also incurs the cost of paying your judge.

Judges

You name your judge when you create a commitment. Your judge must be a real person you know who agrees to serve. Judges are responsible for reviewing submitted proof honestly and in good faith, and their verdicts determine how a commitment resolves. The Service Provider does not arbitrate between you and your judge and is not liable for disputes arising from judge decisions, except as described under Charges, Errors, and Disputes below.

To receive a judge payment, a judge must provide a valid PayPal email address. Judge payments are made by the Service Provider on its own schedule and are subject to PayPal's terms of service. Judges are responsible for any taxes on payments they receive. Where the Service Provider reasonably believes a commitment or a verdict is fraudulent or collusive, it may decline to make a judge payment.

Proof Submission and Honest Use

Submitting false proof, manipulated photos, or dishonest honor check-ins violates these Terms and may result in account suspension or termination. Approximate location attached to proof photos is shown in the Application to you and your judge.

Charges, Errors, and Disputes

If you believe a charge was made in error, contact the Service Provider at youssefelseifi@gmail.com within 14 days of the charge. Where a technical error or a clear verification mistake caused an incorrect charge, the Service Provider will correct it and refund the charge through Stripe. Otherwise, charges that follow from your judge's verdict, or from a commitment that ended without the required proof, are final. Please contact the Service Provider before initiating a card dispute; initiating a chargeback on a validly authorized charge may result in account suspension while the matter is resolved.

AI Features

The Application offers optional AI assistance for writing commitment descriptions. Text you type when using these features is processed by Anthropic's Claude AI. Do not include sensitive personal information in text submitted to AI features.

Intellectual Property

Unauthorized copying, modification, or distribution of the Application or any part of it is strictly prohibited. All trademarks, copyrights, database rights, and other intellectual property rights related to the Application remain the property of the Service Provider.

Security and Device Responsibility

You are responsible for maintaining the security of your device and your account. The Service Provider strongly advises against jailbreaking or rooting your device, which may compromise security and cause the Application to malfunction.

Internet Connectivity

Some features require an active internet connection. The Service Provider is not responsible for Application limitations due to lack of Wi-Fi access or exhausted data allowances. Standard data rates from your mobile provider may apply.

Limitation of Liability

The Service Provider accepts no liability for any loss, direct or indirect, arising from your use of the Application. Commitment outcomes are determined by the judge you named; the Service Provider does not override judge decisions except as described under Charges, Errors, and Disputes.

Account Deletion and Termination

You may stop using CLIP at any time and delete your account from within the Application (Profile → Delete account). Any charge that became due before deletion remains payable. The Service Provider may update the Application at any time and may suspend or terminate your access for violations of these Terms; upon termination, your rights to use the Application end immediately.

Changes to These Terms

The Service Provider may periodically update these Terms. Changes are effective when posted to this page. Continued use of the Application constitutes acceptance of the updated Terms.

Contact Us

If you have questions or suggestions about these Terms, contact the Service Provider at youssefelseifi@gmail.com.