Terms of Service

These terms govern your use of Toodday, an accountability service operated by VICA Technology (“Toodday”, “we”, “us”). By creating an account or a commitment, you agree to them. If you do not agree, do not use Toodday.

Questions about these terms: support@toodday.com.

1. What Toodday is

Toodday helps you keep a daily habit by putting money at risk. You commit to a habit on the days you choose and set a stake. If you miss a scheduled day, we charge you that stake as a fee for the accountability service.

Toodday is not a bank, deposit-taker, escrow agent, savings product, investment, insurance product, or game of chance. You cannot win money on Toodday. The best possible financial outcome of using Toodday is that you are charged nothing.

2. Your account

You need an account to use Toodday. Authentication is handled by our provider, Clerk. You must give accurate information, keep your login secure, and you are responsible for activity under your account. You must be at least 18 years old.

3. Commitments

A commitment has a habit name, the weekdays it is scheduled on, a timezone, and a stake between USD $5 and USD $50.

Whether a given day is a scheduled day, and when that day begins and ends, is determined by us on our servers using the timezone you chose for that commitment — not by your device’s clock or location. You are responsible for choosing the correct timezone.

A commitment becomes active only once you have saved a payment method. On the free plan you may have one active commitment at a time.

4. Checking in

On each scheduled day you may check in once. Checking in again the same day changes nothing. A check-in records only that you say you did the habit — we do not verify it, and we take no position on whether you actually did it.

5. Missed days and the accountability fee

A missoccurs when a scheduled day ends in your commitment’s timezone and no check-in was recorded for it.

When we record a miss, it is pending for 24 hours. During that window you may dispute it (see section 6). If the window closes and the miss was not disputed, we charge your saved payment method the stake for that commitment.

That charge is a fee for the accountability service. It is not a penalty, a fine, a deposit, a wager, a forfeit paid to anyone else, or a transfer of your money. It is payable to us and it is not refundable except at our discretion or where the law requires it.

Each missed scheduled day is charged separately. Fees are charged in US dollars.

6. Disputing a miss

Within the 24-hour window you may dispute a miss with one tap. A disputed miss is waived and never charged. We do not ask for evidence or explanation.

You get one free dispute per commitment per rolling 7 days. Once used, further misses on that commitment within that period cannot be disputed and will be charged.

7. Payment authorization

To activate a commitment you save a payment method through Stripe, our payment processor. In doing so you authorize us to charge that payment method without you being present (off-session) whenever an undisputed miss becomes chargeable under section 5, for as long as you have an active commitment.

Charges are processed by Stripe and appear on your statement under our business name, VICA Technology, referencing TOODDAY.

If a charge fails, we do not automatically retry it. We show you a notice asking you to update your card, and a retry happens only when you choose to make one. We may suspend or end a commitment whose fees cannot be collected.

8. What we never do with your money

• We never hold a balance for you. Your stake is not a deposit and is not held by us. It is simply the amount you will be charged if you miss a day. Until you miss a day, no money has moved.
• We never pay money out to you. There are no withdrawals, cash-outs, rewards, prizes or rebates. Succeeding means you are not charged — nothing more.
• We never move money between users. There are no pots, pools, group stakes, or fees shared out to other users. Every payment goes from you to us and in no other direction.

9. Premium subscription

Premium costs USD $9 per month and allows unlimited active commitments. It renews automatically until cancelled. You can cancel at any time from Settings via the Stripe billing portal; cancellation stops future renewals and your Premium access continues until the end of the period you have paid for. The subscription fee is separate from any accountability fees.

10. Pausing a commitment

You may pause a commitment so it is not scheduled. Each commitment may be paused for up to 2 weeks in total; once that is used up, the commitment resumes automatically. Paused days are not scheduled days and cannot be missed.

11. Ending commitments and your account

You may end a commitment at any time. Ending it stops future scheduling, but it does not cancel a miss that has already been recorded, and any chargeable miss may still be charged. You may stop using Toodday at any time; to delete your account, contact support@toodday.com.

We may suspend or end your access if you misuse the service, attempt to interfere with it, or fail to pay fees you owe.

12. Availability

Toodday is provided as-is and we do not guarantee it will be uninterrupted or error-free. Scheduling and charging run as periodic background jobs, so the recording of a miss and the resulting charge may happen some time after a day ends. We are not liable for missed check-ins caused by your device, your connection, or your own error.

13. Changes to these terms

We may update these terms. If we make a material change to how or when you are charged, we will make a reasonable effort to tell you before it applies to you. Continuing to use Toodday after a change means you accept the updated terms.

14. Disclaimer and liability

Toodday is a motivational tool, not medical, psychological, financial or professional advice. To the fullest extent permitted by law, our total liability to you for any claim relating to the service is limited to the amount you paid us in the 12 months before the claim. Nothing in these terms limits any right you have that cannot lawfully be limited.

15. Contact

Toodday is operated by VICA Technology. Reach us at support@toodday.com.