Contents

Part A — Everyone · 1 These terms · 2 Who we are · 3 Who can use Pledro · 4 Your account · 5 What Pledro is, and what it is not

Part B — Challenges · 6 How a challenge works · 7 How your result is decided · 8 Fair results · 9 Your health and your safety · 9a Staying in control of what you spend · 10 Grind Coins

Part C — The rest of the app · 13 What you post · 14 Your privacy · 15 Keeping the app running · 16 What we are responsible for · 17 Ending it

Part D — Real money · 11 Challenges you enter with money · 12 If you are under 18

Part E — General · 18 Changes to these terms · 19 Complaints · 20 Which law applies · 21 Other things · Words we use

---

Part A — Everyone

1 These terms

These terms are the agreement between you and Pledro. By creating an account you accept them.

We have written them to be read. If any part of them is unclear, tell us at hello@pledro.co.uk and we will explain it and, if it needs it, rewrite it.

If these terms and the app ever disagree — if a challenge screen says one thing and this document says another — tell us. The two should never disagree, and if they do we will treat it as our mistake and not yours.

Nothing in these terms takes away rights you have by law. Where the law gives you a right, you have it, whatever this document says.

2 Who we are

Pledro is operated by Pledro Ltd, a company registered in England and Wales with company number 17397458, whose registered office is at Apartment 13 Bridgford Place, 43 Rectory Road, West Bridgford, Nottingham NG2 6BF.

Contact us at hello@pledro.co.uk. We answer people, not tickets.

3 Who can use Pledro

• You must be at least 13.
• You must give us your real date of birth. It sets what you can do in the app, and the app gives you no way to change it once it is recorded — that is deliberate, because an age you can edit is not an age gate. If it was recorded wrongly, write to hello@pledro.co.uk. We will correct it where you can show us what the right date is, and we will tell you either way. You have a right under data-protection law to have inaccurate data about you corrected, and that is how it is exercised here — see §14.
• One person, one account. You may not run more than one account, and you may not use anyone else's.
• If you are 13 to 17, you can use Pledro with Grind Coins only. Real money is 18 and over — see §12.
• Some features need a connected wearable. Every challenge does — see §7.

We check these rules on our servers, every time, not just when you sign up.

4 Your account

Keep your sign-in details to yourself and tell us straight away if you think someone else has got into your account.

We may suspend or close an account that breaks these terms — in particular §8. Where we can, we tell you why and give you a way to respond. Where an account is closed for fabricating activity data or for fraud, we may decline to let that person open another one.

You can close your account yourself at any time — see §17.

5 What Pledro is, and what it is not

Pledro runs on skill and commitment, and nothing else. You put an entry behind a fitness goal of your own — a distance to run, a ride, a walk, a number of steps — and then you go and do it. Whether that entry comes back to you, and whether it earns you anything, turns on one thing only: whether you did what you committed to, measured by your own wearable device. Your own physical performance is what decides it, from the moment you enter to the moment the challenge ends.

Nobody is on the other side of your entry. You and the other entrants are not opposed to each other and hold no view about each other: everybody in a challenge can complete it, and if everybody does, every entry fee comes back in full and nobody has gained at anyone else's expense (§6.8). You are not predicting anything either — not guessing an outcome, not forecasting a result, not making a call about what you or anybody else will do. You produce the result. And your entry fee is payment to take part in a challenge, never payment on an outcome. Pledro is not a gambling service and is not offered as one.

Pledro is a fitness app. You commit to a fitness target you choose, your wearable records whether you did it, and completing returns your entry fee and earns you a share of the entry fees of everyone who did not complete.

There is no chance in it anywhere. No draw, no odds, no hidden information, no randomness. Every challenge has fixed, published rules, and whether you complete it depends on one thing: whether you did the activity.

We are not a coach, a trainer, or a medical service. We do not design your training, supervise you, or assess whether a target is right for your body. You choose what to enter and how hard to push. See §9.

We do not decide who is fit enough for a challenge, and we do not judge whether any challenge's target is right for you — including the challenges we publish ourselves (§6.6). Every challenge publishes its target before anyone enters, so you can judge it for yourself.

---

Part B — Challenges

This Part applies to every challenge, whether it is entered with Grind Coins or with money. Where a rule applies only to money, it says so, and the money-only rules are gathered in §11.

6 How a challenge works

6.1 The rules are fixed before anyone enters

Every challenge publishes, before anyone can enter: the activity, the target, the start time, the deadline, and the entry fee. None of them can be changed afterwards — not by us, and not by whoever created it. There is no edit button, because there is no edit.

6.2 Entering

Everyone pays the same entry fee. There is no way to enter for more or for less than anyone else, and no way to increase what you might receive by paying more.

You must enter before you do the activity. An activity only counts toward a challenge if you entered before that activity started. You cannot finish a run and then enter the challenge it would have completed.

Entries close when the challenge starts. Nobody joins a challenge that is already under way, so everyone begins together under the same published rules.

6.3 Changing your mind — while you are the only one in it

While you are the only person entered, you can leave and get your entry fee back in full. No deduction, no explanation needed, no time limit to navigate. Just leave.

The moment a second person enters, everybody in it is committed — and that happens when they enter, not when the challenge starts. From then on, leaving does not bring your entry fee back: it stays in the reward fund for the people who complete (§6.4a). That is the same before the start as after it, and the same on a money challenge as on a Grind Coin one.

Why it works that way. A challenge with one person in it is a plan. A challenge with two people in it is something they are both relying on: whoever joined did so on the published rules, including how many entry fees are in the fund. If people could pay in, see who else had entered, and pull out again, everyone still in it would be left with a challenge they never agreed to.

Once you have left, that is final. You cannot enter the same challenge again, even before it starts. One person, one entry, one fee, one return — it is what lets a challenge work out everyone's result correctly at the end.

We tell you this before you pay — on the screen where you enter a challenge, and again on the confirmation you have to tap — because it is the part of entering that costs you something and you should not have to find it in here.

This is our own promise to you. It does not take away any cancellation right you may have by law — if you have one, you still have it, and it sits alongside this.

6.4 Once somebody else is in it, your entry is committed

This is the most important clause in this document, so we are going to be plain about it.

A challenge has two outcomes, and both are published before you pay:

• You complete it, and you are still in it when it ends — your entry fee comes back to you in full, and you share the entry fees of everyone who did not complete with everyone else who did.
• You do not complete it — your entry fee stays in the reward fund for the people who did.

The whole calculation, worked out in full, is in §6.8.

You are not promising us that you will complete the challenge. There is nothing to break and no penalty. You are paying to take part in something with two published outcomes, and which one you get is decided by what you do.

We do not assess why someone did not complete, and we do not make exceptions. Not for injury, not for illness, not for a bad week, not for anything. That is not us being hard about it — it is that any exception would be paid for by the other entrants, who did complete, and who committed on the same published terms you did. Everyone in a challenge is treated identically, and that is the only way the result means anything.

So: think about it before you enter, not after. While you are the only person in a challenge you can leave for nothing (§6.3). Once anybody else is in it — before the start as much as after it — your entry is committed until the challenge ends, and if you use the Leave button, the entry stays where it is (§6.4a).

The only situations in which an entry fee comes back are these, and there are no others:

1. you leave while you are still the only person entered (§6.3);
2. the challenge does not reach three entrants and so does not run (§6.5);
3. we cancel or void the challenge (§6.7);
4. your result never reached us because of a failure on our side or your wearable provider's (§7.4);
5. you completed the challenge and were still in it when it ended (§6.4a);
6. we held an amount while we investigated something under §8.4 and the investigation did not find against you.

6.4a Leaving when other people are in it

There is a Leave button on a challenge you are in, and it keeps working right up to the deadline. Once a second person has entered — whether or not the challenge has started — this is what it does, and it is not a way out of the commitment above:

• Your entry fee stays in the reward fund. Leaving is not a refund and never has been; it takes you out of the challenge, not out of the entry. Money or Grind Coins, before the start or after it: the same.
• You are recorded as not completing, whatever you had done up to that point. If you had already completed the target, leaving gives that up — the completion is cleared at the moment you leave, and you receive neither your entry fee back nor any share. Choosing to leave overrides a completion you had already earned.
• Every activity that had counted toward the challenge stops counting toward it. They stay in your own history; they no longer belong to that challenge.
• It cannot be undone, and you cannot re-enter a challenge you have left.
• Whoever created the challenge is not exempt from any of this. They leave on exactly these terms, and the challenge carries on without them for everyone still in it (§6.7).

The app asks you to confirm before any of it happens, and the confirmation says in plain words that your entry fee stays in the fund and what else you are giving up — because none of it can be undone. If you are unsure, do not leave — staying in a challenge you did not complete costs you exactly the same as leaving it, and staying leaves the completion still possible.

6.5 A challenge needs at least three entrants

Money challenges only. If fewer than three people have entered by the time it would start, the challenge does not run and everyone's entry fee comes back in full.

A challenge that has reached three cannot then fall below three. Somebody leaving does not take their entry out of the challenge — it stays in the reward fund (§6.4a) — so the number of entries a challenge has only ever goes up. A challenge fails this rule by never reaching three, not by losing people, and in that case nobody has paid anything they do not get back.

And once a challenge has started it runs to its deadline however many people are still trying. Somebody leaving does not call it off, and this rule is not re-checked after the start (§6.7).

There is a limit on the entry fee: £250 for a challenge anyone can join, £100 for a private, invite-only one.

Grind Coin challenges have no minimum number of entrants.

6.6 Who sets a challenge

• Challenges you or another user create. Whoever creates a challenge is in it, on the same terms, paying the same entry fee. You cannot set a target for other people and not take it on yourself. The challenge screen tells you who set it and whether they are entered.
• Challenges Pledro creates. We publish challenges in our own name. Publishing one does not enter anybody and does not put an entry fee into it — we are not in a challenge because we set it. Somebody at Pledro may then choose to enter one, and if they do they enter it the way you do: through the same entry, at the same fee, assessed and paid by the same arithmetic in §6.8, with the same wearable verification and the same fair-results rules. The challenge screen tells you who set a challenge and who is in it. No Pledro account may ever enter a Pledro challenge that is entered with money — that one is a hard rule on our servers, not a policy we keep to.

6.7 When we cancel a challenge

We can call a challenge off, but only before it starts. If we do, everyone's entry fee comes back in full and everyone in it is told, with the reason. The app gives us no way to cancel a challenge that has started, and that is deliberate: by then you may have trained for it, and the result belongs to what your device recorded, not to anything we decide afterwards.

Calling a challenge off is ours alone to do. Whoever created a challenge can delete it while they are the only person in it — that is a plan being abandoned, and their own entry fee comes back in full. Once a second person has entered, the person who created it has no more power over it than anybody else in it: they can leave, on the same terms as everybody else (§6.4a), and the challenge carries on for the people still in it. No button on any challenge screen — not yours, not the creator's, and not one belonging to anybody at Pledro — calls off a challenge other people have entered. A challenge Pledro published can only be taken down by our own operations team, through our admin console, never from the challenge itself, and everyone in it is told why. And whenever we call a challenge off, every entry fee in it comes back in full — including one that somebody had left in the reward fund when they walked away.

One exception, and it only ever runs one way — back to you. If something on our side goes wrong badly enough that a challenge could not be a fair one, we will void it and return every entry fee in full, whether or not it had started. Voiding never takes anything from anybody: there is no version of this where a challenge is called off and an entry fee is kept. If it happens after a challenge has started, we do it by hand and we tell everyone in it what went wrong.

6.8 What you get — the whole calculation

This applies to every challenge, whether it is entered with Grind Coins or with money. Written out in full, because you should be able to check our arithmetic.

1. Every entry fee paid into a challenge goes into its reward fund. That is the figure the app shows you on the challenge — "£240 reward fund" means £240 of entry fees are in it.
2. If you complete the challenge and are still in it when it ends, your entry fee comes back to you in full. Always, with nothing taken off. Leaving gives that up (§6.4a).
3. What is shared out is the entry fees of everyone who did not complete. Nothing else is ever shared out, and nobody's returned entry fee is ever touched.
4. On a money challenge we take a service fee for operating and verifying the challenge, and it is the lower of: half of what is shared out, or 10% of the reward fund. On a Grind Coin challenge we take no fee at all — every coin that is shared out goes to the people who completed.
5. What is left after that is divided equally between everyone who completed. Everyone who completes receives the same amount. We do not pay more for finishing first.
6. If it does not divide exactly: on a money challenge we reduce our own fee until it does, rather than paying people different amounts. On a Grind Coin challenge there is no fee to reduce, so the odd coins go one each to the people who completed earliest — the only place in this document where the order you finished in changes anything, and it is never more than one coin.
7. If everyone completes, there is nothing to share out: every entry fee comes back in full and we earn nothing.
8. If nobody completes, no entry fee comes back to anybody. On a money challenge we take 10% of the reward fund and the remaining 90% is given to charity. On a Grind Coin challenge nothing is money, so there is nothing to take and nothing to give: the coins simply end there, we receive nothing, and nothing is paid to anyone.

We never take more than 10% of the total entry fees paid into a challenge, in any circumstance — and on a Grind Coin challenge we take nothing at all.

An example. Ten people enter at £10 each, so the reward fund is £100. Eight complete. £20 is shared out — the two entry fees that did not come back. Our fee is the lower of £10 (half of £20) and £10 (10% of £100), so £10. The eight who completed each get their £10 back plus £1.25. The two who did not complete receive nothing. The same challenge on Grind Coins, 1,000 coins each: 2,000 coins are shared out, we take none of them, and the eight who completed each get their 1,000 back plus 250.

You only lose your entry fee by not completing. There is no other way to lose an entry fee in a challenge, and there is never a charge on one that comes back.

7 How your result is decided

7.1 Your wearable decides, and only your wearable

• Whether you completed a challenge is determined solely from activity data recorded by your own wearable device and read by us from the provider you connected.
• You cannot enter a result by hand. There is no way to type in, upload, or claim a result, and we reject activities that a device records as manually entered.
• An activity we have not read from your device does not exist for the purposes of a challenge. If it has not reached us, it has not counted, however real it was.
• Your completion time is the time your device recorded you finishing — not the time the data reached us. A slow sync does not cost you your place.

7.2 Reading your activity data

To do any of this we need to read your activity and health data from the provider you connect — things like distance, duration, pace, heart rate and, for outdoor activities, your route. We ask for your explicit consent to that, we use it to check your results and show you your own history, and you can withdraw it at any time in Settings. Withdrawing it means we can no longer verify activities, so you will not be able to take part in challenges.

What we collect, why, how long we keep it and who processes it is in the Privacy Policy. It is not repeated here.

7.3 Your side of it

Keeping your wearable charged, worn, connected and syncing is your part of this, and the permissions it needs must stay switched on. We cannot give you a result we never received.

7.4 If your result never reaches us

Sometimes an activity you genuinely completed never arrives — an outage at your provider, a failure on our side, a watch that died, a permission that got switched off. We will not pretend we can verify something we never received. But we draw a line at whose failure it was:

• If the failure was ours or your wearable provider's, your entry fee comes back in full. You should not be out of pocket because our systems or theirs stopped working. Contact us and we will check our own records.
• If your own device was off, flat, or disconnected, your entry fee does not come back. That is your part of it, and it is written here — in the terms you accept before you can enter anything — so that it is not the first you hear of it when it happens.

Either way no reward is paid, because a result we cannot verify cannot be rewarded.

8 Fair results

8.1 What is not allowed

Doing any of this is a breach of these terms:

• entering, editing or claiming activity data by hand, or using any tool that produces activity data your body did not;
• having someone else wear your device, or wearing someone else's, or sharing a device between accounts to produce results;
• running more than one account, or using another person's account;
• agreeing with other entrants who will complete and who will not, or arranging challenges to move entry fees between a fixed group of people;
• interfering with the app, our servers, or anyone else's use of them;
• using Pledro to harass, threaten, defraud or abuse anyone.

8.2 When a result is held for review

We check every activity for signs that the data is not what it appears to be. If an activity trips one of those checks we hold it as under review rather than counting it, and we tell you.

• A held result is never counted and never rewarded until it is resolved.
• A person looks at it. We do not decline results automatically.
• If your result is under review, the rest of your challenge is paused and everyone in it is told that a result is being checked, that the outcome may mean more for everyone who completed, and roughly how long we expect to take. We are sorry for the wait when it happens — it is the price of the checks that make results worth having.
• We hold for no more than 72 hours. If it is unresolved at 72 hours, the challenge finishes anyway so that nobody else is kept waiting, with the held result treated as not completed.
• If the review then clears you, we put it right, and what that means depends on the currency:
  • On a money challenge you do not lose out at all. Your entry fee comes back in full and we pay you what your share would have been. We pay that ourselves — we never take it back from anyone who has already been paid.
  • On a Grind Coin challenge we return your entry — automatically if the challenge can still be corrected, and by hand if it has already been worked out. There is no share to pay you: coins are not money, and once a Grind challenge has been settled what was shared out has been shared out. We say that plainly rather than promise you something we have no way to give.

8.3 Appeals, and what "final" means

You can appeal any held or declined result from the result screen. Tell us what happened; a person will look at it again and give you a reason for the decision.

Our decision after an appeal is final for the purposes of the challenge — meaning the challenge finishes and the result stands. It is final subject to that appeal, and nothing in this section affects your right to complain to us (§19) or to take a dispute to court (§20).

8.4 If you break these rules

We may decline the result, hold or close your account, and — where money is involved — hold an amount back while we investigate.

A hold is not the same as losing your entry, and it does not go on for ever:

• We will tell you that we are holding an amount, and why, as soon as we do it.
• We hold for no longer than 30 days. If we have not concluded by then, the hold ends and the amount is released to you.
• If the investigation does not find against you, the amount is returned to you in full — that is the sixth situation in §6.4's list — and any result of yours it was attached to is worked out as if the hold had never happened.
• If it does find against you, the entry is treated as not completing and the amount stays in the challenge's reward fund for the people who did complete. We keep none of it beyond the ordinary fee in §6.8.
• You can appeal the outcome under §8.3, and you can complain under §19.

Deliberately fabricating activity data to obtain money is fraud, and we will treat it that way, including reporting it.

9 Your health and your safety

Read this one properly. It is short.

Physical exercise carries risks — injury, strain, and the aggravation of conditions you may not know you have. Those risks are part of exercising and they exist whether or not you use Pledro.

You decide which challenge to enter, and how hard to push. Every target is published before you enter so you can judge it against what you can actually do. If you are unsure — or if you are pregnant, recovering from injury or illness, taking medication, or have any heart, breathing or joint condition — speak to a doctor before you enter.

Stop if something is wrong. No challenge is worth an injury. If you need to stop, stop. The entry fee is the entry fee; your body is not.

What we do and do not do. We publish challenges — including some in our own name — and we verify results from your device. We do not design your training, supervise you, watch you exercise, choose which challenge you enter, judge whether its target is right for you, provide any premises or equipment, or assess whether an activity is safe for you. Where a challenge is one we published, we set its target in advance for anybody who wants it, exactly as any other person setting a challenge does; choosing to take that target on is yours. Nothing in the app is medical advice.

And to be clear about the law: nothing in these terms limits our responsibility for death or personal injury caused by our own negligence, and nothing in them can. This section is telling you what exercise involves and what our service is — it is not us trying to sign away a responsibility we cannot sign away.

9a Staying in control of what you spend

Entering a challenge costs something, and entering a lot of them costs more. This section is about that, and it applies to every challenge.

9a.1 What an entry actually is

Your entry fee is payment to take part in a challenge, never payment on its outcome — what it turns on is your own physical performance, and nothing else (§5). An entry commits your own money or coins to a challenge with two outcomes, both published before you pay (§6.4) — and which one you get is decided by what you do. There is no chance in it, no odds, and nothing we or anyone else you are entered with can do to change your result. Complete it and your entry comes back in full. You only lose an entry by not completing (§6.8).

So the risk is a short sentence: do not enter a challenge you do not intend to do, and do not enter more of them than you would be comfortable not completing. That judgement is entirely yours, and it is easiest to make before you pay, which is the moment the app asks you to.

9a.2 What Pledro deliberately does not do

• We never lend you anything. You can only enter with money that is already in your balance. There is no credit, no overdraft and no borrowing anywhere in Pledro.
• The entry fee is fixed and the same for everyone. There is no way to enter for more, to top up an entry you have already made, or to increase what you might receive by paying more (§6.2).
• You cannot chase a result. You cannot enter a challenge that has already started, and you cannot re-enter one you have left (§6.2, §6.3).
• There are no odds, multipliers, bonuses, streaks or rewards for entering more often. Nothing in Pledro pays you for volume.

9a.3 How we earn, said plainly

On a money challenge our fee comes only out of entry fees that are not returned. So we earn nothing at all from a challenge in which everyone completes (§6.8(7)), we never take more than 10% of the entry fees paid in, and most of what is not returned goes to the other entrants rather than to us. We do not decide who completes and we cannot affect it. We would rather you completed — and we would rather tell you how this works than have you work it out.

9a.4 The tools, and where they are

Settings → Your limits is where your own limits live. The limits are for money challenges — a maximum entry fee, a maximum total across a rolling week, and a break from entering — and they are set out in §11.6, which has no effect until real-money challenges launch. Our servers apply them at the moment you try to enter, so no screen in the app can get round a limit you have set.

They are tools, not locks. Tightening a limit or starting a break takes effect immediately. Raising a limit or ending a break early also takes effect immediately, because they are yours to hold.

The thing that works whatever you are entering with is asking us. If you want something you cannot undo in a moment — or you are entering with Grind Coins, where there is no money to limit — write to hello@pledro.co.uk and we will restrict or close your account for as long as you tell us to. That is a real answer and not a fob-off: see §9a.5.

9a.5 If this has stopped being a choice

If you think you are entering challenges compulsively, spending money you would rather not, or that Pledro is making something worse instead of better — tell us. What that gets you:

• we will restrict or close your account on your say-so, without argument and without asking you to justify it;
• we will tell you plainly what money is where and how to get it out; and
• we will point you toward independent support that has nothing to do with us.

You do not have to explain yourself and you do not have to be certain. Write to hello@pledro.co.uk.

9a.6 If you are not in a position to weigh this up

If illness, a mental-health condition, a crisis or anything else means you are not in a position to judge what you can afford, Pledro is not a good place for you to be spending money, and we would rather you were not. You never have to disclose anything to us to be treated properly — but we will act on whatever you do tell us, and we will keep it to what we need (see §14).

If someone close to you is worried, they can write to us and we will read it. We cannot discuss another adult's account with them or act on their instructions about it. If you are under 18, what a parent or guardian can ask for is set out in §12, and it is more than this.

9a.7 One thing we will not pretend

Deciding what you can afford is yours. Nothing in this section is us judging whether a challenge is right for you (§5), and nothing in Pledro is advice about your money or your health.

---

10 Grind Coins

Grind Coins are free and are not money.

• Coins arrive in your account in four ways and no others: a grant when you sign up; a monthly top-up; your entry coming back when you complete a challenge; and your share of a challenge you completed (§6.8).
• They cannot be bought, sold, transferred to another user, exchanged for money, or withdrawn, and they have no cash value. There is no way to put money in and no way to take money out.
• They are the only way to enter a challenge if you are under 18.
• A Grind Coin challenge works like a money one — the same rules, the same wearable verification, the same fair-results rules, the same arithmetic in §6.8 — except that nothing in it is money, we take no fee from it, and the two Grind-only details in §6.8(6) and §6.8(8) apply.
• We may change how many Grind Coins are granted or topped up. We may also expire long-unused balances, and if we do we will tell you first.

Because Grind Coins are not money, nothing in Part D applies to them.

---

Part D — Real money

11 Challenges you enter with money

This section has no effect yet

There are no real-money features anywhere in Pledro. Every challenge today runs on Grind Coins. This section is published in advance so that you can read it before anything changes, and it takes effect only when real-money challenges actually launch — which will not happen quietly. We will tell you, and you will have to accept it (§18).

11.1 Who can enter a money challenge

You must be 18 or over, have completed identity verification, and have a connected wearable. We check all three on our servers every time.

11.2 Your balance

• Money you add to Pledro is held in a segregated account at a UK authorised institution, separate from Pledro's own money. We will name that institution in the app before any money feature opens to you.
• Your balance has two parts: available and committed. When you enter a challenge, your entry fee moves to committed — it is still yours, but it cannot be withdrawn until the challenge ends.
• It is not a bank account and not a deposit, and it earns no interest.
• You can withdraw available funds to a bank account verified as belonging to you. You cannot withdraw to anyone else's account, and you cannot send money to another user — Pledro has no way to move money between people.
• There is no waiting period on your own money. Money you add is available to withdraw as soon as it has arrived, less anything committed to a challenge. We may hold a particular withdrawal while we complete a fraud or anti-money-laundering check that the law requires of us — if we do, we will tell you, and it is a check on that withdrawal, not a rule that your money must sit here.

11.3 Entry fees

Entry fees are in pounds sterling and are held to the penny. The entry fee for a challenge is fixed when the challenge is created, is the same for everyone, and cannot be changed.

11.4 What you get

The calculation is in §6.8, because it is the same calculation for every challenge and it should not be written down twice. On a money challenge the money-only parts of it apply: our fee, the reduction of that fee so that shares divide into whole pence, and — if nobody completes at all — the 10% and the 90% that goes to charity.

We never take more than 10% of the total entry fees paid into a challenge, in any circumstance, and there is never a charge on an entry fee that comes back to you.

11.5 Charity

Charity challenges are not available for money. Where a challenge is run for a named charity it runs on Grind Coins, where nothing is money, nothing is paid to anybody and nothing is given to the charity by us on your behalf — it is a way of training together for something, not a way of giving. If we ever offer a money charity challenge we will say exactly how it works before you can enter one.

This is separate from §6.8(8), which is what happens to a money challenge that nobody completes: that 90% goes to a charity we name in the app, and it is not a charity challenge.

11.6 Your own limits

You can set a maximum entry fee, a maximum total across a rolling week, and a break during which you cannot enter money challenges at all. Our servers check all three every time you try to enter one, so a limit you have set cannot be got round by any screen in the app.

They are your limits and you keep control of them. Lowering a limit, or starting a break, takes effect immediately. Raising a limit, or ending a break early, also takes effect immediately — so please understand what they are: a tool that helps you hold yourself to a decision, not a lock that somebody else holds the key to. If you need something stronger than that, tell us at hello@pledro.co.uk and we will close or restrict the account for you.

The rest of what this section is for — what an entry is, what we deliberately do not do, how we earn, and what to do if entering challenges has stopped being a choice — is in §9a, because it applies to every challenge and not only to the ones with money in them.

11.7 If a payment you made is reversed

If money you added is later taken back by your bank or card provider — a chargeback — we reverse it from your balance. If you have already committed or been paid that money, your balance can go below zero, and while it is negative you cannot enter challenges or withdraw. Adding money is never blocked, because that is the way out of it. We will contact you to settle it.

What we may do to recover it. A reversed amount is a debt you owe us. We may take it out of money you add later, or out of any amount that later becomes payable to you, and we will tell you when we do. It stays owing if you close your account. We will not take it out of an entry fee that is committed to a challenge you are still in — that challenge finishes first.

If you think a payment was made without your permission, tell us first. We would much rather sort it out with you directly — and nothing here stops you from raising it with your bank or card provider, which is your right.

11.8 Tax

Any tax on what you receive is your own affair. We do not give tax advice.

12 If you are under 18

If you are 13 to 17, you can use Pledro with Grind Coins. You cannot add money, enter a money challenge, or withdraw anything, and there is no way to convert Grind Coins into money.

Your account is private by default and cannot be made public. We keep the amount of data we collect about you to the minimum, and we do not use it to profile or advertise to you.

About agreeing to these terms. The law protects people under 18 in the agreements they make, and we are not going to pretend otherwise: these terms are the rules of the service, and while you are under 18 they are not a contract we would try to enforce against you as though you were an adult. What they do mean is that if the rules in §8 are broken, we may stop providing the service to that account.

Parents and guardians: we would rather you read this with them. If you are a parent or guardian, write to hello@pledro.co.uk and, once we are satisfied who you are and whose account it is, this is what you can have — not sympathy, an answer:

• Any challenge the account has entered that has not started yet is withdrawn from, and the coins come back — on your say-so rather than the child's, and whether or not other people have entered it. §6.3 commits an adult from the moment a second person joins; we do not hold a child to that against a parent's instruction. It is coins either way, never money.
• The account is restricted or closed, whichever you ask for.
• A copy of what we hold about them, or its deletion, under the Privacy Policy.
• If a challenge has already started, we cannot undo the commitment — but nothing is owed either way, because Grind Coins are not money, have no cash value and cannot be turned into money. There is no debt, no balance and nothing to pay: the worst case is coins that do not come back.

We will not ask a child to pay us anything, ever, and there is nothing in these terms that could lead to that.

When you turn 18, we will ask you to confirm these terms again before anything changes about what you can do.

---

Part C — The rest of the app

13 What you post

You own what you post. You give us permission to host, store, display and share it inside Pledro so that the app can work — that permission ends when you delete the content or your account, except where someone else has already shared it or where we must keep a copy by law.

What you post must be yours to post, and must not be unlawful, hateful, harassing, sexual, violent, or an impersonation of someone else. Do not post other people's personal information.

Reporting. Every post, comment and profile can be reported. We review reports and may remove content or restrict an account. See the community standards in the app.

Sharing your results. Nothing about your challenges is posted publicly unless you choose it.

14 Your privacy

How we handle your personal data — including your health and activity data, what our lawful bases are, how long we keep it, who processes it, and how to exercise your rights — is set out in the Privacy Policy, which forms part of your agreement with us. It is not duplicated here, so that there is only ever one version of it to keep accurate.

In short: you can access, correct, export or delete your data from Settings → Your data, or by writing to hello@pledro.co.uk, and you can complain to the ICO at ico.org.uk.

15 Keeping the app running

We work to keep Pledro available and correct, but we do not promise it will never be unavailable or never have a fault. We may change features, and we may stop offering a feature — where a change matters to you, we will tell you.

Where a failure of ours affects a challenge, §6.7 and §7.4 say what happens to your entry fee.

16 What we are responsible for

We are responsible for performing our service with reasonable care and skill, for keeping your money where we say we keep it, for working out challenge results correctly according to §6.8, and for handling your data as the Privacy Policy says.

Some things we can never limit, and do not try to: liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, and for anything else the law does not allow us to limit or exclude.

Beyond those, we are not responsible for loss that was not a foreseeable result of our breaking these terms, or for a fault in your device, your wearable provider, or your internet connection — except as §7.4 already provides. We do not put a cap in pounds on what we owe you: what we owe is what the law says we owe.

You are a consumer. These terms do not affect your legal rights, including under the Consumer Rights Act 2015.

17 Ending it

You can close your account whenever you like, from Settings → Your data — with one condition, and it exists to protect your own money.

While a money challenge you have entered is still running, we will not close the account, and we will tell you so when you ask. Your entry fee is committed to that challenge; closing the account would mean the challenge settles with nowhere to send your entry fee or your reward back to. So:

• wait for the challenge to finish — it settles on its own — or leave it (§6.4a, which gives up the entry), and
• withdraw your available balance first, because we cannot pay it out to a closed account.

Then the account closes. This is a delay, not a refusal, and it never lasts longer than the challenge you chose to enter. It does not affect your data-protection rights: if you want your data erased and a challenge is in the way, write to hello@pledro.co.uk — we will explain exactly what is holding it, keep only what we must to finish the challenge and to meet our legal obligations, and erase the rest.

Grind Coin challenges do not hold anything up, because there is no money in them — but closing your account does not end a challenge you are in or bring a committed entry back.

We may end your access if you break these terms, if we must for legal reasons, or if we stop operating Pledro — in which case we give as much notice as we can and return any available balance.

---

Part E — General

18 Changes to these terms

We may change these terms:

• to reflect a change in the law or a regulator's requirement;
• to describe a new or changed feature;
• to correct something that is wrong or unclear;
• to improve security, safety or fairness.

We will tell you before a change takes effect, in the app or by email, and we will say what has changed and why.

For any change that materially affects you — and always before real-money features become available to you — we will ask you to accept the new terms. If you do not want to accept them, you can close your account and withdraw your available balance instead; nothing is taken from you for saying no.

A change never applies to a challenge you have already entered. The rules of a challenge are fixed at the moment you enter it.

19 Complaints

Write to hello@pledro.co.uk. Tell us what happened and what you would like us to do.

We will acknowledge your complaint within 3 working days and give you our answer within 8 weeks. If we need longer than that we will tell you why and how much longer, before the 8 weeks are up. If we cannot resolve it, we will say so plainly.

We are not a member of an alternative dispute resolution scheme, so if our answer does not settle it, what is open to you is the courts (§20) — and, for anything about your personal data, the Information Commissioner's Office at ico.org.uk (§14). If we join a scheme we will tell you and name it here.

20 Which law applies

These terms are governed by the law of England and Wales.

You can bring a claim in the courts of England and Wales, and if you live in Scotland or Northern Ireland you can bring it in the courts there instead. Nothing in these terms takes away rights you have under the law of the place you live.

21 Other things

• If one part fails, the rest stands. If a court finds any part of these terms unenforceable, the remainder continues to apply.
• Not enforcing something is not giving it up. If we do not insist on something straight away, we can still insist on it later.
• Transfers. We may transfer our rights and obligations under these terms to another business, and we will tell you if we do; it will not reduce your rights. You may not transfer yours without our agreement.
• Nobody else. These terms are between you and us; no one else can enforce them.
• The whole agreement. These terms and the Privacy Policy are the agreement between us about Pledro. This does not limit our responsibility for anything we have said fraudulently.
• Notices. We will contact you in the app or at the email address on your account. Write to us at hello@pledro.co.uk.

---

Words we use

Word	What it means here
Challenge	A fitness target with published rules, a start time, a deadline and an entry fee.
Entry fee	The fixed amount everyone pays to take part in a challenge.
Reward fund	Every entry fee paid into a challenge, added up. It is the figure the app shows on the challenge, and it is the same number in both places.
Shared out	The part of the reward fund that is divided between the people who completed: the entry fees of everyone who did not complete, less our fee.
Reward	Your share of what is shared out. Separate from your own entry fee coming back.
Complete	To meet the challenge's published target within its window, verified by your device.
Grind Coins	Free in-app currency. Not money, cannot be bought or cashed out.
Under review	A result we are checking before it counts. It never counts until it is resolved.
Wearable	The device that records your activity, and the provider we read it from.

---

Version 1.0-draft · 17 August 2026 · Pledro Ltd