Pakto (the “Service”) is provided by Bohdan Ivanov, conducting business activity as a sole proprietorship under the name Bohdan Ivanov, entered in the Polish Central Register and Information on Economic Activity (CEIDG), address: ul. Chodkiewicza 2, 02-593 Warszawa, Poland, NIP: 8982281481, REGON: 522802505, email: support@gopakto.com (the “Developer,” “we,” “us”). These Terms are the rules (regulamin) for services provided by electronic means within the meaning of the Polish Act of 18 July 2002 on Providing Services by Electronic Means. By creating an account, installing the app, or otherwise using the Service, you agree to these Terms and to our Privacy Policy. If you are using the Service on behalf of an organisation, you represent that you have the authority to bind that organisation to these Terms.

To use the Service you need an internet connection and either a current version of iOS or Android with the Pakto app installed, or an up-to-date web browser with JavaScript and cookies enabled. You must not provide content of an unlawful nature through the Service.

You must be at least 13 years old to use the Service. By using the Service you confirm that you meet this requirement.

If you are under 18 (or the age of majority where you live), you may use the Service only with the permission of a parent or legal guardian, who must also approve any purchase. If you are below the age at which you can consent to data processing yourself in your country (16 in Poland, for example), a parent or guardian must give any consent the Service asks for, such as consent to ads.

You are responsible for keeping your credentials confidential and for every activity that occurs under your account. Notify us immediately at support@gopakto.com of any unauthorised use. We may suspend or terminate accounts that show signs of compromise, fraud, or violation of these Terms.

You agree not to:

• Use the Service for any unlawful purpose or in violation of any applicable law.
• Post content that is illegal, harmful, threatening, harassing, hateful, defamatory, sexually explicit, or that infringes anyone's rights.
• Impersonate any person or entity or misrepresent your affiliation.
• Attempt to gain unauthorised access to the Service, other accounts, or backend systems.
• Reverse engineer, decompile, scrape, or otherwise interfere with the Service beyond what applicable law expressly permits.
• Use the Service to send spam, run bots, or automate interactions without our prior written consent.
• Encourage or facilitate self-harm, eating disorders, or any activity that could cause serious harm to yourself or others.

We may remove content and suspend or terminate accounts that violate this Section, at our discretion, with or without notice.

Zero tolerance for objectionable content and abusive users

There is no tolerance for objectionable content or abusive behaviour on Pakto. Content that is hateful, harassing, threatening, sexually explicit, or otherwise objectionable — and any user who directs abuse at another person — has no place on the Service. This is not a warning system: offending content is removed, and the account behind it is suspended or terminated.

Every user has the tools to act on this directly, from inside the app:

• Report anything. The “…” menu on any post, check-in, story, comment, profile or Circle files a report with our moderation team.
• Block anyone. The same menu, and every profile, can block a user. A block removes that person's content from your feed immediately, hides yours from them, and notifies our moderation team. Blocked accounts are listed — and can be unblocked — in Settings → Blocked accounts.
• Automated filtering. Posts, comments, names, and other text you submit are screened for objectionable language and rejected before publication.

We review every report within 24 hours. Where a report is upheld, we remove the content and eject the user who posted it. You can also reach us directly at support@gopakto.com.

You retain all rights to the content you publish through the Service (your Pacts, Journeys, check-ins, comments, media). You grant us a worldwide, non-exclusive, royalty-free, sublicensable licence to host, store, reproduce, adapt (for formatting and delivery), and distribute that content solely for the purpose of operating and improving the Service. This licence ends when you delete the content or your account, except that we may retain copies as required by law and in routine backups until they age out.

You are solely responsible for your content. You represent that you have all rights necessary to grant the licence above and that your content does not violate any law or third-party right.

Pakto offers a free tier and paid subscriptions (e.g. “Pro”), plus an in-app credit called Grain. Prices, features, and terms of each plan are shown at gopakto.com/pricing and in-app before you confirm any purchase.

Purchases made in the iOS or Android app are transacted by Apple or Google under their standard terms; you must manage and cancel those subscriptions in your Apple ID or Play Store settings. Web purchases are processed by Stripe.

Grain is a licence to use features inside the Service. It is not money, a deposit, an e-money product or a financial instrument; it has no cash value and cannot be exchanged back for money, sold, or moved outside the Service. Grain can only move between accounts through features the Service offers (for example Cheers, Boosts, Circle entry fees and Circle treasury donations). Unused Grain is lost when your account is deleted.

Stakes. When you activate a Pact with a Stake, that Grain is locked. It is returned when the Journey is completed and permanently burned if the Journey is broken. You choose whether to stake and how much; a burned Stake is the agreed outcome of a broken Journey, not a loss we are liable for. If a Day is marked missed because of a fault in the Service (rather than your own action or inaction), contact us and we will review it and restore the Stake where the fault is confirmed.

Grain you receive from other users, from a Circle, or from official Pakto accounts as a reward is granted at our discretion; we may reverse Grain credited through error, fraud, abuse or a violation of these Terms.

Subscriptions renew automatically at the end of each billing period unless cancelled at least 24 hours before the end of the current period. Refunds for purchases made in the iOS or Android app are handled by Apple or Google under their policies; we cannot issue them directly.

Right of withdrawal (web purchases). If you are a consumer (or a sole trader buying for a purpose that is not professional for you) and you buy a subscription or Grain on gopakto.com, you may withdraw from the contract within 14 days of purchase without giving a reason, by emailing support@gopakto.com with your account email and the purchase. We refund the payment to the original payment method within 14 days of receiving your statement, and remove the corresponding subscription or Grain, subject to the following:

• Grain is digital content. If at checkout you expressly asked us to deliver it immediately and acknowledged that you lose the right of withdrawal once it is delivered, the right of withdrawal ends when the Grain is credited to your wallet.
• Subscriptions are a digital service. If at checkout you expressly asked us to start immediately, you can still withdraw within 14 days, but we refund the price minus an amount proportionate to the part of the service provided before you withdrew.

Pakto is a tool for personal commitment tracking. It is not a medical device, a mental-health service, a coach, a therapist, a nutritionist, or a substitute for professional advice of any kind. Content in the Service (including any Pakto-generated suggestions) is for informational purposes only.

You are solely responsible for your own well-being. Consult a qualified professional before starting any regimen relating to health, exercise, diet, sleep, mental health, substance use, or finance. If you are in crisis, contact your local emergency services or a certified helpline.

The Service is provided “as is” and “as available.”

To the maximum extent permitted by applicable law, the Developer disclaims all warranties of any kind, whether express, implied, statutory, or otherwise, including, without limitation, any warranties of merchantability, fitness for a particular purpose, title, non-infringement, or accuracy. We do not warrant that the Service will be uninterrupted, error-free, secure, or free of viruses or other harmful components, nor that any defect will be corrected. Any reliance you place on the Service is strictly at your own risk.

To the maximum extent permitted by law:

In no event shall the Developer be liable to you or to any third party for any indirect, incidental, special, consequential, exemplary, or punitive damages, including damages for loss of profits, goodwill, use, data, or other intangible losses, arising out of or relating to your access to or use of, or your inability to access or use, the Service.

The Developer's total aggregate liability to you for any and all claims arising out of or relating to the Service or these Terms, whether in contract, tort (including negligence), strict liability, or otherwise, shall not exceed the greater of (a) the amount you paid to the Developer for the Service in the twelve (12) months preceding the event giving rise to the claim, or (b) fifty United States dollars (US$50).

Some jurisdictions do not allow the exclusion of certain warranties or the limitation of liability for certain damages — in those jurisdictions, the exclusions and limitations above apply only to the maximum extent permitted by applicable law, and nothing in these Terms is intended to exclude liability that cannot be excluded (e.g. for damage caused intentionally or by gross negligence, or for death or personal injury).

If you use the Service as a consumer, the limitations in this Section do not restrict your statutory rights, including those regarding the conformity of digital content and digital services with the contract under the Polish Consumer Rights Act.

Within those limits, we are not responsible for:

• the content, conduct, commitments or claims of other users, Circles or Circle owners, including anything said in comments, chat or public Pacts;
• whether you or anyone else keeps a Pact, and any decision you make or harm you suffer while pursuing one;
• outages, delays or data loss caused by third-party providers (such as Apple, Google, Amazon Web Services or Stripe), by your device or connection, or by events beyond our reasonable control (force majeure);
• Grain spent, donated, staked under Section 6, or lost on account deletion.

If you use the Service for business or professional purposes, you agree to indemnify, defend, and hold harmless the Developer from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in any way connected with (a) your access to or use of the Service, (b) your content, (c) your violation of these Terms, or (d) your violation of any right of any third party. If you are a consumer, you are liable for such claims only as provided by applicable law.

You may stop using the Service and delete your account at any time from within the app (Profile → Settings → Delete account) or by emailing support@gopakto.com. We may suspend or terminate your account and access to the Service, with or without notice, if you violate these Terms, if we are required to do so by law, or if continued provision of the Service to you is no longer commercially viable. Sections 5 (Your content), 8 (No warranty), 9 (Limitation of liability), 10 (Indemnity), 12 (Complaints), 13 (Governing law & disputes), and 16 (Miscellaneous) survive termination.

You can complain about the Service, a purchase, or how we handled a report by emailing support@gopakto.com or writing to ul. Chodkiewicza 2, 02-593 Warszawa, Poland. Please include your account email and a description of the problem. We respond within 14 days of receiving the complaint, by email unless you ask otherwise.

These Terms are governed by the laws of the Republic of Poland. Disputes with a user who is not a consumer are resolved by the common court having jurisdiction over the Developer's place of business.

If you are a consumer, choosing Polish law does not deprive you of the protection of the mandatory provisions of the law of your country of habitual residence, and you may bring proceedings in the courts of the country where you live. Consumers may also use out-of-court complaint and redress procedures, for example through a municipal or district consumer ombudsman (rzecznik konsumentów) or the Trade Inspection (Inspekcja Handlowa) in Poland, or the equivalent body in your country.

If you obtained the app through the Apple App Store, the following additional terms apply. These Terms are between you and the Developer, not with Apple. Apple is not responsible for the app or its content. To the maximum extent permitted by applicable law, Apple has no warranty obligation whatsoever with respect to the app.

Any claims relating to the possession or use of the app (including product liability, failure to conform to any applicable legal or regulatory requirement, and claims arising under consumer protection or similar legislation) are governed by these Terms, and the Developer is solely responsible for addressing any such claims. Apple and Apple's subsidiaries are third-party beneficiaries of these Terms and, upon your acceptance of these Terms, will have the right to enforce these Terms against you.

We may update these Terms from time to time. If a change is material, we will notify you in-app and by email at least 14 days before it takes effect. Continued use of the Service after the effective date constitutes acceptance of the updated Terms. If you do not agree to a change, you must stop using the Service and delete your account.

These Terms, together with the Privacy Policy, constitute the entire agreement between you and the Developer regarding the Service and supersede any prior agreements on the same subject. If any provision is held unenforceable, the remaining provisions will remain in full effect. Our failure to enforce a provision is not a waiver of the right to enforce it later. You may not assign these Terms without our prior written consent; we may assign them to any successor or affiliate. Notices to us should be sent to support@gopakto.com.