Terms of Service

01 — What the Service Is

Crowd & Courage is a self-commitment and accountability platform. It lets a user (a “Maker”) make a public, time-bound commitment to a specific, measurable goal, stake their own money behind that commitment, and receive a pass/fail verdict at the deadline based on verified data. The Maker's own conduct — whether they hit their goal — is the only thing that determines the outcome.

Plain English:You set a goal, put your own money on the line, and the Platform checks whether you hit it. If you hit it, your stake comes back to you. If you miss, your stake goes to the charity you chose. No one else's money is at risk, no one bets for or against you, and no one profits from your failure except your chosen charity.

02 — Acceptance of Terms

By accessing or using the Platform, you represent that you have read and understood these Terms, you meet the eligibility requirements in Section 3, and you agree to be legally bound by these Terms and all policies incorporated by reference, including our Privacy Policy. When you file a contract, we record your acceptance — including the version of these Terms you agreed to, the date and time, and your IP address — as described in the Privacy Policy. If you are using the Platform on behalf of a business entity, you represent that you have authority to bind that entity.

03 — Eligibility

To use the Platform you must, and by using it you attest that you:

• Are at least 18 years of age
• Are a resident of the United States (current availability is US only)
• Have the legal capacity to enter into a binding agreement
• Are using your own funds and your own payment method
• Are not subject to OFAC sanctions or any similar regulatory prohibition
• Are not in violation of any law that would prohibit your participation

Makers may file contracts for business goals (for example, revenue or subscriber targets) or personal goals (for example, fitness or creative milestones). The verification source must match the goal type. We may require identity verification before activating your account or releasing a refund. Providing false information, including a false attestation of age or residency, is grounds for immediate termination.

04 — Filing a Courage Contract

A Courage Contract is a formal commitment you file through the Platform. Filing one means you agree to the following:

05 — Charges, the Stake, and Payments

06 — Outcome Verification

At or after the deadline, the Platform determines whether your goal was met using the verification method tied to your contract, and issues a HIT or MISS verdict. Supported methods include, depending on the goal:

• Read-only access to a connected data source (for example, Stripe revenue data, QuickBooks financials, or a similar integration)
• Fitness and activity data from a wearable or service you connect
• A verifiable public record or public milestone
• Human review by C&C for goals that cannot be verified automatically

Where a contract relies on a connected data source, that integration's data is authoritative. Self-reported data, screenshots, or alternative documentation are not accepted as substitutes, except where explicitly pre-approved in writing by C&C or where human review is the designated method.

If a verification method is unavailable or returns ambiguous results at verification time, C&C will make reasonable efforts to verify through an alternative method within 30 days. If verification remains impossible through no fault of the Maker, the stake is refunded to the Maker in full. C&C is not liable for verification method or data source failures beyond refunding the stake.

07 — No Cancellation and No Modification

This irrevocability is the core mechanic of the Platform. By accepting these Terms and confirming the consent shown at filing, you acknowledge that you have read, understood, and specifically agreed to this provision and that your stake is non-refundable except on a verified win. Exceptions are limited to (a) any right you cannot waive under applicable law, and (b) account termination by C&C for a Terms violation, in which case your stake is refunded in full and the origination fee remains non-refundable.

08 — Forfeiture and Charities

If the Platform issues a MISS verdict and it becomes final after any dispute window, your stake is paid in full to the charity you designated at filing.

Crowd & Courage receives no portion of forfeited stakes.100% of a forfeited stake goes to your chosen charity. C&C's only revenue on a contract is the 5% origination fee charged at filing. C&C disburses forfeited funds to the chosen charity; this disbursement is currently an operational process and may be performed periodically rather than instantly.

At filing you choose your charity from the following slots — the DoMoreGood Foundation, plus one charity aligned to each of the 17 United Nations Sustainable Development Goals (18 options total):

1. DoMoreGood Foundation
2. SDG 1 — No Poverty
3. SDG 2 — Zero Hunger
4. SDG 3 — Good Health and Well-Being
5. SDG 4 — Quality Education
6. SDG 5 — Gender Equality
7. SDG 6 — Clean Water and Sanitation
8. SDG 7 — Affordable and Clean Energy
9. SDG 8 — Decent Work and Economic Growth
10. SDG 9 — Industry, Innovation and Infrastructure
11. SDG 10 — Reduced Inequalities
12. SDG 11 — Sustainable Cities and Communities
13. SDG 12 — Responsible Consumption and Production
14. SDG 13 — Climate Action
15. SDG 14 — Life Below Water
16. SDG 15 — Life on Land
17. SDG 16 — Peace, Justice and Strong Institutions
18. SDG 17 — Partnerships for the Goals

The specific charitable organization assigned to each slot is shown to you at filing and is maintained by C&C; we publish the current list and make it available on request. C&C may substitute the organization assigned to a given slot with reasonable notice. If, at the time of a forfeiture, the slot you chose has no active partner, your stake is paid to the DoMoreGood Foundation as the default recipient. Charity recipients are organizations C&C reasonably believes are eligible to receive charitable funds. The tax treatment of a forfeited stake is not determined by C&C — consult a qualified tax adviser; a forfeiture is not a tax-deductible charitable contribution by you unless your own adviser confirms otherwise.

09 — Dispute Resolution (Verdict Disputes)

If you believe the Platform's verdict is factually incorrect — meaning the verification method returned a result that does not accurately reflect your actual performance — you may file a dispute.

10 — Limitation of Liability

If C&C makes an error in the verification process, our maximum liability is limited to refunding the staked funds for the affected contract. We are not liable for third-party verification method or data source failures beyond that same remedy.

To the fullest extent permitted by law, in no event will C&C, Gray Group International, or their officers, directors, employees, contractors, or agents be liable for indirect, incidental, special, consequential, or punitive damages — including lost profits, business interruption, or loss of data — even if advised of the possibility of such damages.

Except for our obligation to refund a stake where required by these Terms, C&C's total cumulative liability to you for any other claim is capped at the greater of (a) the origination fee you paid for the relevant contract or (b) $500.

11 — Indemnification

You agree to defend, indemnify, and hold harmless C&C, Gray Group International, and their officers, directors, employees, contractors, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with: (a) your use of the Platform; (b) your Courage Contract, goal, or the conduct underlying it; (c) your violation of these Terms or any law; (d) your violation of the rights of any third party; or (e) any content or information you submit to the Platform. C&C reserves the right to assume the exclusive defense of any matter subject to indemnification by you, in which case you agree to cooperate.

12 — Disclaimers

13 — Intellectual Property

The Platform, including its design, software, trademarks, and all proprietary content created by C&C, is owned by Gray Group International. You receive no license to use C&C's intellectual property beyond what is needed to use the Platform as intended.

You retain ownership of content you submit to the Platform. By submitting content, you grant C&C a non-exclusive, royalty-free, worldwide license to display and store that content in connection with operating the Platform, and to use de-identified, aggregated data about goals and outcomes to operate and improve the Platform and its data products (such as the Courage Index). This license ends when your account is deleted, except for content already included in aggregated, de-identified datasets.

14 — Privacy

Your use of the Platform is governed by our Privacy Policy. By using the Platform, you agree to the collection and use of your information as described there.

15 — Termination

C&C may suspend or terminate your account at any time if you violate these Terms, provide false information, attempt to manipulate the verification process, or engage in conduct harmful to the Platform or its users.

If C&C terminates your account while you have an active Courage Contract, we will refund your staked funds in full. The origination fee is non-refundable.

You may request account deletion at any time by contacting legal@crowdandcourage.com. You may not close your account while a contract is active — the contract runs to completion regardless.

16 — Governing Law and Arbitration

These Terms are governed by the laws of the State of Nevada, without regard to conflict-of-laws rules.

For any dispute over $500, both parties agree to resolve the dispute through final and binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, rather than in court. Arbitration takes place in Clark County, Nevada (or remotely, by agreement). The arbitrator's decision is final and enforceable in any court of competent jurisdiction.

Either party may bring an individual claim in small claims court for disputes within that court's jurisdiction.

Class action waiver.To the fullest extent permitted by law, you and C&C each waive any right to participate in a class action lawsuit, class-wide arbitration, or any other representative proceeding. Claims must be brought in an individual capacity only. If this class action waiver is found unenforceable as to a particular claim, that claim — and only that claim — will proceed in court.

17 — General

18 — Contact