Terms of Use

The VOW app is operated by VOW TECNOLOGIA LTDA, registered under Brazilian company number (CNPJ) 68.303.661/0001-20, with offices at Rua Visconde do Rio Branco, 1488, suite 909, floor 09, Centro, Curitiba/PR, Brazil, 80.420-210.

Contact: support@vowapp.io.

By creating an account or using VOW, you agree to these Terms and to our Privacy Policy.

2.1. VOW is for individuals aged 18 or over with full legal capacity.

2.2. By signing up you declare that you are at least 18. Sign-up asks for your date of birth and refuses dates indicating a lower age.

2.3. Each person may hold only one account. The tax ID (CPF) provided is unique per account.

3.1. VOW is a platform for personal commitments backed by money. You make a commitment you define yourself, put your own money behind it, and prove you kept it through check-ins.

3.2. VOW is not gambling, betting, a lottery, or a contest. There is no chance, no opponent, no house, and no user's gain is funded by another user's loss. The outcome depends solely on whether you did what you said you would do.

3.3. VOW is not a financial institution. Payments are processed by a partner institution.

3.4. Score, level and league. Every commitment you keep adds score to your profile, and a commitment you do not keep subtracts from it. Your level runs from 1 to 7 and sets the ceiling of what you can choose: amount, duration, goal and how many commitments you hold at the same time. The level rises when you keep a commitment that reaches at least one of those ceilings, and returns to level 1 after three consecutive commitments not kept. Your league is the band your score places you in.

3.5. The level is a ceiling, never an obligation: within it you choose whatever you want, including the smallest amount and the shortest run.

3.6. Anonymous commitments earn no score and do not appear in rankings, as set out in section 9.

3.7. Score, level and league are not money. They have no monetary value, cannot be bought, sold, transferred or converted into any amount, and create no right to payment. They are a record of reputation inside the app. VOW may correct them where there has been an assessment error or a moderation decision.

4.1. You choose an amount among R$50, R$100, R$250, R$500, R$1,000, R$5,000 and R$10,000, and a duration among 30, 60 and 90 days. What is available to you depends on your history of completed commitments.

4.2. Payment is by PIX, from your wallet balance, or a combination of both.

4.3. Payment fee: currently R$0. VOW is not charging a payment fee. When one applies, it is added to the amount you commit and shown in the summary before you confirm, and a commitment paid entirely from your wallet balance still has no such fee, because there is no charge to process. The amount charged is always the one shown in the summary. See item 4.7 on the free period.

4.4. Commitment kept: the full committed amount returns to your wallet. The payment fee does not return.

4.5. Commitment broken: the amount is not returned and stays with VOW.

4.6. The platform fee on the committed amount is 0%. Any change will be announced in advance and will apply only to commitments created after it.

4.7. Free period and return of fees. The payment and withdrawal fees are set to zero for a limited time, covered by a credit granted to VOW by the partner payment institution. The free period ends when that credit runs out or on 9 September 2027, whichever comes first, and VOW may end it earlier. Three guarantees apply to the return: fees will be announced in these Terms at least 30 days in advance; no charge will be retroactive, so commitments created during the free period are never charged a fee afterwards; and the amount charged is always the one shown on screen before you confirm.

5.1. Under article 49 of the Brazilian Consumer Protection Code, you may cancel a commitment within 7 calendar days of creating it and receive 100% of the amount back in your wallet. The payment fee is not refunded.

5.2. Cancelling within that window does not affect your score or your level.

5.3. After 7 days there is no cancellation. Someone who gives up simply stops checking in, and the commitment closes as broken on its end date.

6.1. Withdrawals are made by PIX, with a minimum of R$10.

6.2. Withdrawal fee: currently R$0. VOW is not charging a withdrawal fee. The R$10 minimum per withdrawal still applies. See item 4.7 on the free period.

6.3. The destination is not chosen. Transfers always go to the PIX key matching the tax ID registered on your account, verified on the server. The app does not allow entering another key, and withdrawals to third-party accounts are not possible.

6.4. Keeping the registered tax ID correct and tied to a bank account in your own name is your responsibility.

7.1. Photo proof is available for every activity and at any amount. Check-in photos have location and device metadata stripped before upload, and the check-in is refused if that removal cannot be performed.

7.2. For activities that support Strava, you choose between photo and Strava at each check-in. The amount you commit does not change that choice.

7.3. Activities that do not support Strava, such as reading and meditation, continue to use photo proof at any amount.

7.4. By connecting Strava, you authorise VOW to read your recorded activities there, solely to verify your commitments. You may disconnect at any time.

8.1. VOW does not judge the merit or the effort behind what you record, and imposes no limits on distance, pages or intensity beyond basic numeric sanity checks.

8.2. If you record information that does not match what you did, the result is yours: you spend your own money and your conduct is visible to whoever follows your commitment. That is the burden of your own choice, and it is not treated as fraud against the platform.

8.3. The above does not permit attempts to manipulate the system, circumvent the proof rules, or gain advantage over other users.

9.1. When creating a commitment, you choose between public and anonymous.

9.2. A public commitment appears in the app feed with your username, profile picture, activity, check-in photos and counts. That content is visible including to people without a VOW account, since the feed can be viewed before signing up.

9.2.1. You also appear in the ranking, with your username, profile picture and score. The ranking has separate tabs by gender, and being listed in one of them reveals the gender you gave at sign-up. Like the feed, the ranking can be viewed by people without an account.

9.3. An anonymous commitment does not show your username, your profile picture, your profile, or any identifier linking it to you. In exchange, it earns no score, appears in no ranking, and does not affect your profile statistics.

9.3.1. Anonymity covers what VOW controls. Three things fall outside it:

(a) what the photos show. VOW strips location and device metadata, but does not analyse what appears in the image. Faces, documents, licence plates or recognisable places can identify you.

(b) Strava metrics. On check-ins verified through Strava, figures such as time, pace and elevation are shown on the anonymous commitment, and can be matched to your profile on that service by anyone with access to it.

(c) moderation. When reviewing a report about an anonymous commitment, the moderation team identifies who posted it, without which no action could be taken. Anonymity holds towards other users, not towards moderation.

9.4. The choice between public and anonymous is final and cannot be changed after creation. Making an already published commitment anonymous would not unsee what has been seen.

9.5. While a commitment is under way, it stays visible. Only after it closes, whether by completion, by breach, or by cancellation within 7 days, can it be removed from your profile.

9.6. The same rule applies to check-in photos: they can only be removed once the commitment closes. A commitment under way is a public promise, and erasing the proof midway would hollow out what the feed shows.

9.7. If a photo exposes something you need taken down urgently, write to support@vowapp.io.

9.8. Removal hides the commitment from the feed and from your profile, but does not erase your history: score, level and the record of the outcome still stand. This exists so that removing cannot become a shortcut around the consequences of commitments you did not keep.

10.1. VOW lets you publish a profile picture, a background image, check-in photos, comments, direct messages, and choose a username.

10.2. You are solely responsible for the content you publish, and you declare that you hold the necessary rights to it.

10.3. Publishing illegal, offensive, discriminatory, sexually explicit, violent or harassing content, or content violating third-party rights, is prohibited.

10.4. By publishing, you grant VOW a free, non-exclusive licence to display that content inside the app, to the extent necessary to run the service.

10.5. Reporting. The app offers a report action on check-ins, comments, direct messages and profiles. Reports of objectionable content are reviewed as a priority. You can also write to support@vowapp.io.

10.6. Blocking. You can block any user. Blocking hides their content from you and your content from them, undoes following in both directions, and prevents messages between you.

10.7. Measures. VOW may remove content and suspend accounts that violate these Terms or the law. A suspended account cannot publish, comment, send messages or create new commitments; withdrawing an existing balance remains available.

10.8. When reviewing a report about a direct message, moderation accesses only the reported message, never the conversation history.

11.1. VOW does not provide medical advice, physical education or nutrition guidance, and does not design or supervise training programmes.

11.2. Physical activity carries risk. Consult a qualified professional before starting any exercise programme, and respect your limits.

11.3. VOW is not liable for injuries, health harm or accidents arising from the activities you choose to perform.

11.4. No commitment justifies putting your health at risk. If you are not in a condition to keep what you took on, do not keep it. The money you committed is the only consequence provided for.

12.1. VOW depends on third-party services, among them payment processing, hosting, authentication, notifications and Strava. Outages in those services can affect how the app works.

12.2. If a failure demonstrably attributable to VOW prevents you from recording a check-in in time, contact support and the case will be reviewed individually.

12.3. Keeping your account credentials secure is your responsibility.

13.1. You may close your account at any time from the app, under profile and settings, or through support.

13.2. Closing deletes:

(a) your personal data: username, email, tax ID, date of birth, gender, and your profile colours and images.

(b) your photos, both profile and check-in, removed from our cloud storage.

(c) your Strava connection. Beyond deleting the credentials held here, we revoke the authorisation with Strava itself, and VOW stops appearing as a connected app on your account there.

(d) all your public content: your commitments, public and anonymous, their threads in full, the check-ins, the comments you wrote in any thread, the reactions you gave and the ones given to your content, and the notifications your profile generated for other people.

(e) your login account, which prevents any future sign-in.

13.3. The thread of your commitment is deleted in full, including comments written there by other people. The thread exists because of the commitment: without it, those comments would have nothing left to comment on.

13.4. Direct message conversations remain, with no link to your profile. A conversation belongs to both people, and deleting it would leave the other one with half a dialogue they may want to keep.

13.5. Financial records also remain, unlinked from your identity, for as long as needed to meet legal obligations and to defend against claims.

13.6. This cannot be undone. Closing does not return money from commitments already closed as broken, and does not end commitments under way before their end date, except for the cancellation in clause 5.

13.7. Any available balance must be withdrawn before closing, subject to the minimum and the fee in clause 6. After the account is closed there is no way to sign in and withdraw.

14.1. These Terms may change. Material changes will be announced in the app with reasonable notice.

14.2. Commitments already created remain governed by the terms in force on the date they were created.

15.1. How your personal data is handled is described in the Privacy Policy, which forms part of these Terms.

15.2. VOW TECNOLOGIA LTDA is the data controller. Requests regarding your rights as a data subject should be sent to privacy@vowapp.io.

16.1. The VOW brand, the app design, logos, interfaces, source code, texts and other elements are the property of VOW TECNOLOGIA LTDA.

16.2. Reproducing, copying, reverse engineering, altering, distributing or commercially exploiting any part of the app without prior written permission is prohibited.

17.1. These Terms are governed by Brazilian law.

17.2. The courts of the consumer's domicile are elected to settle disputes, under the Brazilian Consumer Protection Code.