Terms of Service

Culmyra is provided by Culmyra Ltd, a company registered in England and Wales (company number 17515292), registered office: 128 City Road, London, EC1V 2NX, United Kingdom("we", "us"). You can contact us at support@culmyra.com.

You must be at least 18 years old and able to enter a binding contract to use Culmyra. You are responsible for the accuracy of the information on your account and for keeping access to your sign-in email secure. These terms are a contract between you and us; you accept them when you create an account.

When you create a goal you may attach a pledge: an amount you choose, on a payment card you save. Saving a card places no charge and no hold; your money stays in your account. A pledge only becomes active once a card is saved, and a goal without a saved card is never charged.

One charge, one condition. At your goal's deadline we count your check-ins. If you completed at least your goal's success threshold, the goal succeeds and nothing is ever charged. The threshold is 80% by default; if you chose strict mode at creation, it is 100% and every check-in counts. Finish under the threshold and the goal fails and your card is charged the pledge amount, once. If, before the deadline, enough check-ins have been missed that the threshold can no longer be reached even by completing every remaining one, the goal fails and is settled at that point rather than at the deadline. There are no other charges, no fees on top, and no partial charges.

Grace. Every check-in stays open for 24 hours after its scheduled time. The deadline itself is evaluated in your own timezone, after the final check-in's grace has passed.

Your terms are fixed when you pledge. The amount, deadline, threshold and schedule shown when you save your card are the ones that apply to that goal. We will not change them, and later changes to these terms do not change how a goal that is already running is settled.

Where charged pledges go. Charged pledges are kept by Culmyra and fund the service. A pledge is a commitment device, not a bet: there is nothing to win, no pool, no element of chance, and no way to receive money from Culmyra. Pledges are not deposits or e-money; we never hold your funds before a charge.

Stopping early. A pledged goal cannot be cancelled once it is running: that is the point of the product. If you stop checking in, missed check-ins count against your line as normal. Deleting your account ends every running goal and charges any active pledge, with the amount shown before you confirm (see section 11).

Payment failures. If a charge fails (for example, an expired card), we may retry it and will tell you by email. You remain responsible for a pledge you owe under these terms.

Check-ins are verified by evidence: photos taken in the app, or data from sources you connect (location, health, screen time, or other integrations). Automated checks, including AI vision, compare your evidence against your goal. The AI never marks a check-in as missed on its own: it can only flag a submission, and a person reviews anything flagged before it affects your goal.

Submitting fabricated or misleading evidence is a breach of these terms. After review we may mark affected check-ins as missed, settle the goal accordingly, or close accounts used for systematic cheating. We will tell you if we do, and you can ask us to look at the decision again (see section 7). Culmyra only works if the proof means something.

Culmyra Pro is an optional subscription that unlocks higher limits and the Warden enforcer (escalating reminders, voice calls, texts to a contact you nominate, and per-slip charges you configure). It is billed monthly or annually, as you choose at checkout, and renews automatically at the end of each period until you cancel. Prices are shown at checkout. If you start with a free trial, the subscription begins and is charged at the end of the trial unless you cancel before then.

You can cancel at any time from your profile. Cancelling stops the next renewal; Pro stays active until the end of the period you have paid for. If we change the price of Pro, we will tell you at least 30 days before it applies to you, and you can cancel before then. Where you subscribe through an app store, that store's billing and cancellation terms apply to the subscription.

By nominating an escalation contact you confirm they have agreed to receive messages about your goals. Per-slip charges are off unless you switch them on; the amount is shown when you enable them, and they are charged as configured.

UK consumer law gives you 14 days from the day you subscribe to Pro to cancel for any reason. Pro starts as soon as you subscribe, because you ask us to start it straight away. If you cancel within the 14 days, email us and we will refund what you paid, less a proportionate amount for the days you have already used.

If you believe a charge was made in error (for example, evidence submitted in time but not counted, or a duplicate charge), contact us within 30 days of the charge and we will investigate against the full record of your goal. Genuine errors are refunded in full. Charges that followed the rules above (your goal finishing under its line) are the product working as described and are not refundable. Nothing in these terms affects your statutory rights.

If something has gone wrong, email support@culmyra.com and a person will reply. We aim to respond within 5 working days and to resolve complaints within 14 days. Please contact us before disputing a charge with your bank: we can usually fix a genuine mistake faster than a chargeback can.

You own your goals, notes, and photos. You grant us the limited licence needed to operate the service: storing your content, processing it for verification and planning, and showing it to people you explicitly share it with. Proof photos are private by default and are deleted on the schedule described in the Privacy Policy.

Do not use Culmyra to set goals that are unlawful or harmful to you or others, to harass anyone (including through cheers or shared goals), to probe or disrupt the service, or to resell access. We may apply fair-use limits to AI planning and verification.

Adult and personal content. Goals about sex, intimacy or other adult topics are allowed only as private goals: do not share them, make them public, or post them to your profile or the leaderboard. Never upload sexually explicit or nude images as proof; use another kind of evidence. Do not name or identify another person in a shared or public goal without their agreement. We may make a goal private, remove content, or reject a proof that breaks these rules.

Reporting and blocking. You can report a shared goal, a cheer, or a profile from the link beside it, and block someone from cheering your goals. We review reports within 24 hours and remove content that breaks these terms.

Culmyra is an accountability tool, not a medical, financial, or psychological service. Plans are generated suggestions, not professional advice. Consult a professional before pursuing goals that could affect your health, and stop if a goal is hurting you. Pledge only an amount you are comfortable being charged.

You can delete your account at any time from your profile. Deleting your account abandons any goals still running: active goals with an active pledge are charged (see section 2), and the exact amount is shown to you before you confirm. Goals without an active pledge are cancelled without charge. Deletion then removes your data as described in the Privacy Policy and is permanent.

We may suspend or close an account that seriously or repeatedly breaches these terms. Where we can, we will warn you first and explain why. If we close your account without a breach on your part, active pledges are cancelled without charge and we refund any unused Pro period.

We provide Culmyra with reasonable care and skill, as the law requires. If we break these terms or fail to use reasonable care, we are responsible for loss you suffer that was a foreseeable result of that. We are not responsible for loss that was not foreseeable, for business losses (Culmyra is for personal use), or for the outcome of the goals you choose. Outside the cases below, our total liability to you is limited to the greater of the amounts you paid us in the 12 months before the claim and £100.

Nothing in these terms limits or excludes our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for anything else that cannot be limited or excluded by law, including your rights under the Consumer Rights Act 2015.

We may update these terms as the product evolves. We will tell you about material changes in the product or by email at least 30 days before they take effect. If you do not agree, you can cancel Pro or delete your account before then; changes never alter how a goal already running is settled (see section 2).

These terms are governed by the laws of England and Wales. If you live in Scotland or Northern Ireland, you can also bring proceedings in your local courts. Questions: support@culmyra.com.