Plain-language summary. Gymme is a commitment-contract fitness app: you set a fitness goal, put up ("stake") your own money within the limits shown in the app, and your gym attendance is GPS-verified. When you start a commitment, your stake is charged to your payment method through our payment provider, Paddle. This is a real, up-front charge — your money is collected when you start. If you meet your goal, Gymme refunds your stake in full to your original payment method, with no platform fee. If you miss your goal, your already-collected stake is simply not refunded — it is retained — this is the intended outcome of the service, not a fault or defect, and a retained stake is generally not refundable. There is no fundable in-app wallet, deposit balance, or cash "withdrawal" — money is charged to, and refunded to, the card or payment method you used, not to a withdrawable cash balance. Separately, you keep your statutory consumer rights: if you live in the EU or the UK you normally have a 14-day right to withdraw from a distance contract, and because a multi-week commitment is not "fully performed" on day one, that right generally survives while your commitment is running — in which case you can expect your stake charge refunded back to you in full. Refunds are normally returned to your original payment method (as a reversal of the original charge); if that method is unavailable we will arrange a permitted alternative. Promotional credits have no cash value and are non-refundable. Please contact support@gymme.me before starting a card chargeback. This Refund Policy is part of our Terms of Service and works together with our Privacy Policy.

Gymme Refund Policy

Effective date: June 23, 2026 Last updated: June 23, 2026

This Refund Policy explains when and how you can get money back when you use Gymme (the "App" and "Service"), operated by Gymme, Inc. ("Gymme", "we", "us", "our"). It applies to the iOS app, the Android app, and our website at https://gymme.me.

This Refund Policy forms part of, and should be read together with, our Terms of Service and our Privacy Policy. Capitalized terms not defined here have the meaning given in the Terms of Service. If there is any conflict between this Refund Policy and the Terms of Service on a refund question, this Refund Policy controls.

1. Who this policy is for and important context

1.1. You must be 18 or older to use Gymme.

1.2. Gymme is available at first release in New York City and Los Angeles (USA), London (UK), and Berlin (Germany / EU), and may expand to other places later. The Service is void where prohibited, and availability and the operation of this Refund Policy may vary by region. You are responsible for complying with the laws that apply where you live.

1.3. This is a commitment-contract / behavioral-motivation service, not gambling, betting, a lottery, or a game of chance. Whether your stake is returned or retained depends on your own behavior as verified by the Service — that is, whether you meet the fitness goal you set, as confirmed by GPS-verified check-in (subject to the appeals process in Section 3.6) — not on chance and not on any other person's behavior. Because of this, the "stake return" described in Section 3 is a defined outcome of the service you chose, not a conventional refund of a defective or unwanted product.

1.4. Risk disclosure. There are no guaranteed winnings, and you can lose your entire stake if you do not meet your goal. Only stake an amount you are comfortable potentially forfeiting.

1.5. Nothing in this Refund Policy removes or limits any non-waivable statutory consumer rights you have under the law of your country or state. Where this policy says something is "non-refundable" or "final", that statement is always subject to those mandatory rights (see Section 4).

2. How money flows in Gymme — at a glance

Gymme involves a few different money flows. They are governed by different rules, so it helps to keep them separate. There is no fundable stored-value or deposit balance: money is charged to, and refunded to, the payment method you use, not to a withdrawable cash balance.

A retained stake (missed goal) is generally not refundable — see Section 3.4. Promotional credits are never refundable and have no cash value — see Section 7.

3. Stake returns — the service mechanic (met vs. missed goal)

3.1. How staking works. When you start a commitment, you set a fitness goal (for example, a number of gym visits per week or workouts per month) over a defined period, and you put up ("stake") an amount of money within the limits shown in the App. When you start the commitment, your stake is charged to your payment method via Paddle; your money is collected up front at that point. Attendance is verified by GPS-verified check-in at a gym you have registered (you must be inside the geofence around the gym and remain for the minimum session length, with anti-spoofing checks). For full details of how check-ins, geofencing, and goals work, see the Terms of Service.

3.2. If you MEET your goal — full stake refunded. When your commitment ends and our verification confirms you met your goal, Gymme refunds your stake in full to your original payment method as a reversal of the original charge. You are not charged any platform fee on a successful commitment.

3.3. If you MISS your goal — stake retained. If you do not meet your goal by the end of the commitment period, your already-collected stake is simply not refunded — it is retained. A retained stake is, by default, kept by Gymme (this is how the Service is funded — we earn revenue when commitments are missed). If you chose the charity option when you set up your commitment, your retained stake is instead donated to a charity as described in the App and the Terms of Service. We do not operate a pooled peer-to-peer wager, prize pool, or sweepstakes: a retained stake does not become another user's winnings.

3.4. A retained stake is not refundable. Because retention is the agreed, defined consequence of not meeting the goal you chose, a retained stake is not eligible for a refund simply because you missed your goal, changed your mind, lost motivation, or were unable to attend. This is subject only to the limited exceptions below and to your non-waivable statutory rights in Section 4.

3.5. Freezes (no-penalty pauses). Each user gets a limited number of freezes (approximately 2 per year) that pause a commitment for up to about 7 days without penalty — for example for sickness, injury, or travel. Using a freeze where eligible is the normal way to protect your stake when life gets in the way. Beyond your available freezes, the commitment stands.

3.6. Appeals for failed check-ins. If a check-in fails (for example, a GPS or verification error when you were genuinely at the gym), you may submit an appeal in the App with supporting evidence such as a photo. Where a check-in fails due to a verified technical or GPS error and you provide reasonable evidence that you genuinely attended, we will credit the affected check-in — your genuine attendance will not be defeated by a system error. We retain discretion only where an appeal is contested or the evidence is insufficient, in which case we decide at our reasonable discretion. If we credit a check-in on appeal, it may prevent or reverse a stake retention. An appeal is the correct first step for a disputed check-in — please use it before requesting a refund or starting a chargeback.

3.7. Discretionary goodwill. We may, entirely at our discretion and without setting a precedent, return a stake (in whole or in part) in genuine error or hardship cases. This does not create any right to a refund in other cases.

4. Your statutory consumer rights (including the EU/UK 14-day right of withdrawal)

Your legal rights as a consumer always apply alongside this policy and cannot be signed away.

4.1. EU and UK consumers — the 14-day right of withdrawal for distance contracts

4.1.1. If you are a consumer in the EU (e.g. Berlin/Germany) or the UK (London), you generally have the right to withdraw from a distance contract within 14 days of entering into it, without giving a reason. For Gymme, the relevant "contract" is the paid service you sign up for, and a commitment you start is the performance of a service.

4.1.2. How starting a commitment affects this right — explained plainly. Under EU and UK distance-selling rules, you lose the 14-day right of withdrawal for a service only when all of the following are true: (a) the service has been fully performed; (b) before performance began, you gave your express prior request for us to begin immediately; (c) you acknowledged that you would lose the right to withdraw once the service is fully performed; and (d) we confirmed that request and acknowledgement to you on a durable medium (e.g. by email).

When you start a commitment, you are giving us your express request to begin performing the service immediately. However, a commitment runs over a defined period of days, weeks, or months, so it is not "fully performed" on the day you start it. This means:

• While your commitment is still running (only partially performed), you keep your 14-day right of withdrawal. If you exercise it during this window, we refund the stake charge taken at the start; we may retain only an amount proportionate to the service genuinely provided to you up to that point (see Section 4.1.3).
• You lose the right to withdraw only once the commitment is fully performed, and only if that full performance happens within the 14-day window and conditions (b)–(d) above were met.

We will ask for your clear acknowledgement of this at the point you start a commitment (see Section 4.1.5).

4.1.3. What "proportionate" means here — and why your stake comes back in full. The amount you stake is not a "price" you pay for the service. It is your own money, charged to your payment method at the start and held against the outcome of your commitment; it is refunded in full if you meet your goal. Any "proportionate" deduction permitted on a mid-commitment withdrawal can apply only to a genuine charge for service actually provided — and a stake is not such a charge, so on a successful or unresolved commitment there is no chargeable service fee to deduct (we charge no platform fee on a successful commitment, see Section 3.2). Accordingly:

• If you exercise the 14-day right before any check-in outcome has resolved your commitment, the stake charged at the start is refunded in full — your staked amount comes back to you in full.
• In practice, for an EU/UK withdrawal made while a commitment is still running, you should expect your stake charge to be refunded to you in full.

4.1.4. How to exercise the right. To withdraw within the 14-day window, contact support@gymme.me with your account email and a clear statement that you wish to withdraw. You may use the model withdrawal wording: "I hereby give notice that I withdraw from my contract for the Gymme service." We will confirm receipt and process any refund due without undue delay, and in any event within the statutory 14-day period, using the same means of payment you used to pay, unless you expressly agree otherwise. As a practical exception, where that method is unavailable, expired, or outside the payment provider's refund window, we will arrange an alternative method permitted by the provider and applicable law. (Because your stake is charged up front, a withdrawal while your commitment is running is satisfied by refunding the stake charge as a reversal of the original charge via our payment provider, Paddle — see Section 6.)

4.1.5. Durable-medium confirmation — and what happens if it is missing. At the point you start a commitment, Gymme obtains and records (i) your express request that performance begin immediately and (ii) your acknowledgement that you will lose the 14-day right of withdrawal once the commitment is fully performed, and confirms both to you by email (a durable medium). If these steps are not completed for your commitment, the 14-day right of withdrawal survives in full and the loss-of-right rule above does not apply to you.

4.1.6. What is still protected. Because we only charge your stake when you actually start a commitment, before you start one there is no charge and nothing to refund. Once you start a commitment, the rules in Sections 4.1.2–4.1.3 govern. The 14-day right does not override the stake mechanic in Section 3 for commitments that are knowingly started and then fully performed (with the conditions in Section 4.1.2 met).

4.2. Other consumers (including the United States)

4.2.1. US consumers are protected by general consumer-protection law, and California residents (LA market) have additional rights described in our Privacy Policy. The 14-day EU/UK right of withdrawal in Section 4.1 does not automatically apply in the US, but we still offer the support-driven refund process in Sections 6–8, and your mandatory state and federal consumer rights remain fully intact.

4.2.2. Wherever you live, if a mandatory consumer-protection law gives you a right to a refund that is broader than this policy, that law prevails to the extent of any conflict.

5. Getting your stake back

5.1. No fundable balance, no cash withdrawal. Gymme does not operate a fundable deposit balance or stored-value account, and there is no cash "withdrawal" step — money is charged to, and refunded to, the payment method you used. (The App may show a "Wallet" view of your stakes and history, but it is not a fundable cash balance you can pay into or withdraw from.) Your stake is charged solely to fund a specific commitment and is held against that commitment's outcome. A stake is not a stored-value or e-money product, cannot be used to store value, and cannot be used to transfer funds to third parties or to make general payments.

5.2. How a successful stake comes back. When you meet your goal, your stake is refunded in full to your original payment method as a reversal of the original charge. Where a refund is otherwise due (Sections 4 or 6), it is likewise returned by reversing the original charge to the same payment method you used — there is no cash balance for you to withdraw. Where that original method is unavailable, expired, or outside the payment provider's refund window, we will arrange an alternative method permitted by the provider and applicable law.

5.3. No fee from us. Gymme does not charge a fee to return your stake. Your bank or card provider may apply its own charges or currency-conversion costs, which are outside our control.

5.4. Timing. Returns are initiated promptly. The time for funds to reach you depends on Paddle and your bank or card provider, and on any identity or fraud checks (see Section 5.5). We act without undue delay; for an EU/UK withdrawal, the refund completes within the statutory 14-day period. Indicative end-to-end timing is typically [3–10 business days — TO BE CONFIRMED] after we initiate the return, but this is subject to Paddle and your bank's processing times and is not a guaranteed service level.

5.5. Identity, AML, and fraud checks. Before returning or processing funds, we may need to verify your identity (KYC) and may refuse, delay, or limit a transaction to comply with anti-money-laundering, sanctions, and fraud-prevention obligations. Where we apply such a hold, it will be time-bounded and explained to you, and a genuine, legitimately-returnable amount will not be trapped indefinitely.

5.6. Currency. Amounts are processed in USD; where the App displays another currency for a user, that currency applies. Any conversion to your local currency, and related fees, are handled by Paddle and/or your bank.

6. Erroneous, duplicate, or unauthorized charges — and how refunds are decided and executed

6.1. Paddle is our Merchant of Record. Payments are processed by Paddle.com Market Limited and/or Paddle, Inc. ("Paddle"), which acts as the reseller and Merchant of Record for your purchases. Paddle handles checkout, securely processes your card data, issues invoices, and manages sales tax/VAT. All card entry occurs in Paddle's hosted checkout; Gymme does not store your full card number — we hold only a Paddle customer ID, transaction IDs, amounts, currency, status, and limited card metadata (such as the last four digits and card brand) provided by Paddle.

6.2. How charges appear on your statement. Because Paddle is the Merchant of Record, the charge on your card or bank statement will typically show a Paddle descriptor rather than "Gymme" — for example, PADDLE.NET* GYMME [STATEMENT DESCRIPTOR — TO BE CONFIRMED WITH PADDLE]. If you do not recognize a charge, please check for a Paddle reference before assuming it is unauthorized, and contact support@gymme.me.

6.3. Who decides, and who executes. Gymme determines eligibility for service-related refunds — that is, stake outcomes (met/missed goal), goodwill returns, and genuine errors — and instructs Paddle to execute the payment. Paddle independently handles only payment-processing matters — duplicate, erroneous, or unauthorized charges, and tax — and does not adjudicate stake outcomes or retentions. Where a charge correction or refund is due (for example, an already-collected missed-goal stake later refunded on appeal), it is processed through Paddle as a reversal of the original charge back to your original payment method; where that method is unavailable, expired, or outside the provider's refund window, we will arrange an alternative method permitted by the provider and applicable law.

6.4. Erroneous or duplicate charges. If you were charged in error, charged twice for the same transaction, or charged an incorrect amount, contact support@gymme.me with the details in Section 8. We may also direct you to Paddle's buyer support where appropriate.

6.5. Unauthorized charges. If you believe a charge was made without your authorization (for example, suspected fraud or a compromised card), contact support@gymme.me immediately and also notify your card provider. We will work with Paddle to investigate. We may suspend account activity while we investigate (see the Terms of Service and Section 9 below).

6.6. App-store distribution. The Gymme apps are distributed through the Apple App Store and Google Play, and you must also comply with those stores' terms. [PAYMENT-CHANNEL MODEL — TO BE CONFIRMED: stake funding is processed by Paddle as Merchant of Record and is not an Apple/Google in-app purchase. If any item is ever sold through Apple in-app purchase or Google Play Billing, that store's own refund policy and process will apply to that item, and you may need to request that refund directly from Apple or Google. See the Terms of Service.]

7. Promotional credits, bonuses, and "seed" rewards

7.1. Discretionary and promotional. Any bonus, reward, referral credit, or "seed" credit (for example, a "$25" promotion) is a discretionary promotional reward funded by Gymme, offered under the separate promotion terms in effect at the time. Promotions are not part of any pooled prize and are not "winnings".

7.2. No cash value; non-refundable. Promotional credits have no cash value beyond what the specific promotion states, are not purchased by you, and are non-refundable except exactly as the promotion's terms allow. They may expire, be limited in how they can be used (for example, only to fund a stake), and may be withdrawn or amended by us in line with the promotion terms and applicable law.

7.3. Order of use and clawback. Where a promotion interacts with money you have staked, the App and the promotion terms may specify how each is applied or returned. We may revoke promotional credit obtained through error, abuse, fraud, or breach of the promotion terms or the Terms of Service.

8. How to request a refund or raise a billing issue

8.1. Where to write. Send refund and billing requests to support@gymme.me.

8.2. What to include. To help us resolve your request quickly, please include:

• the email address on your Gymme account;
• the date and amount of the charge and the currency (USD; or another currency if the App displayed one for you);
• the Paddle transaction ID / invoice number or the descriptor shown on your statement (if available);
• whether you started the commitment or purchase on the website, iOS, or Android;
• the reason for your request (e.g. duplicate charge, charged in error, EU/UK withdrawal, disputed check-in); and
• any supporting evidence (e.g. screenshots, or appeal photos for a disputed check-in).

8.3. Timelines.

• We aim to acknowledge your request within [1–3 business days — TO BE CONFIRMED].
• Where a refund is due, we (or Paddle on our behalf) will process it without undue delay, and in any event within the time required by applicable law. For EU/UK withdrawals under Section 4.1, refunds complete within the statutory 14-day period.
• Once processed, the time for the money to appear depends on Paddle and your bank or card provider, and on any KYC or fraud checks. These timeframes are indicative ranges, subject to Paddle and your bank, not guaranteed service levels; "without undue delay" is the operative standard.

8.4. Method. Approved refunds are returned to your original payment method as a reversal of the original charge, through Paddle. Where that method is unavailable, expired, or outside the provider's refund window, we will arrange an alternative method permitted by the provider and applicable law, unless the law or the circumstances require otherwise.

9. Chargebacks — please contact us first

9.1. Talk to us before disputing with your bank. If something looks wrong, contact support@gymme.me first. Most issues — including disputed check-ins (use an appeal, Section 3.6), duplicate charges (Section 6), and EU/UK withdrawals (Section 4.1) — can be resolved faster and more fully through us than through a bank chargeback.

9.2. How chargebacks work here. Because Paddle is the Merchant of Record, a card chargeback or payment dispute you start is raised against Paddle, not directly against Gymme. Gymme will supply transaction records and check-in evidence to Paddle to contest illegitimate chargebacks. Note that disputing a stake you knowingly placed and then lost by missing your goal is not a valid "unauthorized charge" — the charge was authorized by you, and the outcome reflects your own verified behavior.

9.3. Account consequences. Starting a card chargeback or payment dispute (especially for a stake you knowingly placed and a goal you missed) may lead us to suspend or close your account pending investigation, freeze affected transactions, and recover amounts owed. Abusive or fraudulent chargebacks may also result in permanent removal from the Service.

9.4. This does not remove your legal rights. Nothing here prevents you from exercising a genuine right to dispute an unauthorized or erroneous charge with your bank or card provider, or from exercising any non-waivable statutory right.

10. Changes to this Refund Policy

10.1. We may update this Refund Policy from time to time. When we do, we will change the "Last updated" date above and, where the change is material, provide additional notice as required by law. The version that applied at the time you started a commitment governs that commitment. The current version always lives at https://gymme.me/refunds.

11. Relationship to our other terms

• Terms of Service — the overall contract governing your use of Gymme, including how commitments, check-ins, freezes, appeals, and payments work, and including app-store provisions (Apple is a third-party beneficiary of the relevant terms; Apple and Google are not responsible for the App): https://gymme.me/terms
• Privacy Policy — how we collect and use your data, including payment metadata from Paddle and your California (CCPA/CPRA) and GDPR/UK GDPR rights: https://gymme.me/privacy

12. Contact

Governing law: This Refund Policy is governed by the law of [State of Delaware, USA — TO BE CONFIRMED], without prejudice to the mandatory consumer-protection laws of the country or state where you live, which continue to apply.

Gymme, Inc. — Effective June 23, 2026.