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. Financial services provided by Asaas. The financial and payment services made available through VOW, including the opening and maintenance of a payment account, transaction processing, PIX charges, transfers, payments and any other movement of funds, are provided by ASAAS GESTÃO FINANCEIRA S.A., Brazilian company number (CNPJ) 19.540.550/0001-21, a payment institution authorized to operate by the Central Bank of Brazil.

3.3.1. VOW TECNOLOGIA LTDA acts solely as the technology integrator and distributor of the product experience. It is not a financial or payment institution, and it does not carry out financial intermediation in its own name.

3.3.2. You acknowledge that the financial and payment relationship, and the regulatory responsibility for the services described in item 3.3, belong to ASAAS GESTÃO FINANCEIRA S.A., under the applicable regulations.

3.3.3. For questions and requests about these financial operations, you may also contact Asaas directly: by WhatsApp message at 0800 009 0037, or by email at contato@asaas.com.br.

3.4. Score, level and league. Every commitment you keep adds score to your profile, and a commitment you do not keep neither adds nor subtracts. Your level is made of three steps, one for each ceiling of what you can choose: amount, duration and frequency (or goal, for activities measured in km, pages or repetitions). Each step rises when you keep a commitment that reaches its ceiling, and all three return to the first step after three consecutive commitments not kept. You can have up to 10 commitments in progress at the same time, counting your own, the sponsored ones you accepted and group ones. 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.

3.8. Payment account. To create commitments, sponsor and receive amounts on VOW, you need a payment account in your name, opened and maintained by ASAAS GESTÃO FINANCEIRA S.A., under item 3.3. Opening it depends on Asaas's registration review, which includes a photo ID document and a selfie, and the account may not be approved.

3.9. Sub-account creation fee. Opening the payment account carries a one-time fee of R$12.90, corresponding to the cost Asaas charges for creating the account. The fee is paid by PIX before the account is created, and the amount is shown in the app before payment.

3.9.1. The creation fee is not refunded under any circumstances, including when Asaas's registration review does not approve the account, on the cancellation provided for in section 5, and when the account is closed. The cost of creation is charged by Asaas when the account is created, whatever the outcome of the review.

3.9.2. In a sponsored commitment (item 4.8), the sponsor also pays the creation fee of an invitee who does not yet have a payment account. That fee is not refunded, including if the invitation is declined, expires or is cancelled.

3.9.3. If the payment account is closed, at your request or under item 3.11, using VOW again requires opening a new account, with a new creation fee.

3.10. Transfer authorisation. By opening the payment account and accepting these Terms, you authorise VOW to request from Asaas, on your behalf, the following transfers from your payment account:

(a) when a commitment of yours is not kept, the amount committed to it, to the account of VOW TECNOLOGIA LTDA, on its end date;

(b) the VOW fees shown before each payment, to the account of VOW TECNOLOGIA LTDA;

(c) in a sponsored commitment you fund, the amount to the account of whoever keeps the commitment, and, if it is not kept, the part that does not return to you, to the account of VOW TECNOLOGIA LTDA.

3.10.1. While a commitment is in progress, the amount committed to it stays in your payment account, but cannot be withdrawn or used for another commitment.

3.10.2. Transfers between payment accounts at Asaas are immediate and cannot be undone once completed.

3.11. Closure for lack of use. If your payment account goes 150 days without use, it is closed automatically. You receive a notice in the app 15 days before. An account is considered unused when it has no commitment or sponsorship in progress and no movement in the period. An account with a balance is not closed: in that case you are notified to withdraw the amount. To use VOW again, you need to open a new account, with a new creation fee (item 3.9.3).

4.1. You choose an amount among R$10, R$25, R$50, R$100 and R$250, 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. VOW allocates 80% of it to donations for youth sport and education and keeps 20%.

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 Asaas, the payment institution in item 3.3. 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.

4.8. Sponsored commitment. You can pay for the commitment of another person who has a VOW account. You choose the activity, the duration, the frequency or goal and the amount, within the limits of your level, and send an invitation. The commitment exists only if the person accepts.

4.9. In addition to the amount, you pay a VOW service fee of 20% of the amount, shown before payment.

4.10. The invitation is valid for 7 days. If it is declined, expires without an answer, or you cancel it before acceptance, the amount and the fee return to you.

4.11. The commitment's term starts on acceptance. A sponsored commitment is always public, and you can choose not to have your name shown on it.

4.12. Outcomes of a sponsorship. If the person keeps the commitment, the amount goes to their payment account, and the fee stays with VOW. If they do not, the refund percentage you chose when creating the invitation, between 0% and 100% of the amount, returns to you, and VOW allocates the rest, in full, to donations for youth sport and education. If the person stops the commitment within 7 days of accepting it, the amount and the fee return to you.

4.13. A sponsor never gets back more than they paid. Sponsorship earns no score for the sponsor. Whoever accepts pays nothing in any outcome, earns score if they keep the commitment, and does not have their level changed by the sponsored commitment.

4.14. Tips. On another person's kept commitment, you can send a tip of R$0.50, R$1, R$2 or R$5, up to R$50 a day, from your available balance. A tip is a transfer from your payment account to the other person's, made by Asaas, and it is final: there is no reversal and no refund. It does not change the outcome, the score or the level of anyone.

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 back the committed amount and the fees paid for it. The sub-account creation fee (item 3.9) 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 to anyone with a VOW account, not only to people who follow you.

9.2.1. You also appear in the ranking, with your username, profile picture and score. The ranking has separate tabs by gender and by age group, and being listed in one of them reveals the gender you gave at sign-up or the age group you fall into. In the geographic tab, which only includes people who chose to appear there, being listed reveals the state and region you live in. Like the feed, the ranking is visible to people with a VOW 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, photo or video stories, 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, stories and profiles. Reports of objectionable content are reviewed within 24 hours, and content that breaches these Terms is removed. Texts containing offensive terms are refused when sent. 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.

10.9. Commitment with its own name. You can give a commitment a name. The name is content you publish and follows this section. On an anonymous commitment, the name is not shown to other people.

10.10. Stories. You can publish photos that stay on your profile for 24 hours. Each person sees each photo once, for a few seconds. VOW blocks screenshots while the photo is open, where the device allows it, but this is not a guarantee: someone can photograph the screen with another device. Do not publish anything you would not accept another person keeping.

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.