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Locked In — Terms of Service

Operational terms for publication. Prepared for Health Intellect LLC d/b/a Locked In. This is not licensed legal advice and does not create an attorney–client relationship. Attorney review remains recommended before App Store / Play submission.

Effective date: September 2, 2026
Operator: Health Intellect LLC, a Texas limited liability company, doing business as Locked In (“Locked In,” “we,” “us,” or “our”). TSNC is a separate brand and is not the Locked In operator name on these pages.
Sites: https://lockedin.cc and https://app.lockedin.cc (together, the “Service”), including any future iOS or Android apps that link to these Terms.

By creating an account, creating a stake, saving a payment method, or otherwise using the Service, you agree to these Terms of Service (the “Terms”) and to our Privacy Policy. If you do not agree, do not use the Service.

1. What Locked In is (and is not)

1.1 Accountability product. Locked In is a personal accountability tool. You choose a habit, choose a dollar amount (a “Stake”), choose a deadline, and agree that if you do not submit the required proof on time, we may charge the Stake to your saved payment method.

1.2 Not gambling. The Service is not a game of chance, lottery, sweepstakes, sportsbook, casino, or prize pool.

1.3 No professional advice. The Service does not provide medical, mental-health, financial, legal, or coaching advice. Habit outcomes are not guaranteed.

2. Eligibility and accounts

2.1 You must be at least 18 years old (or the age of majority where you live, if higher) and able to form a binding contract.

2.2 You must provide accurate account information and keep it current. You are responsible for activity under your account and for keeping login credentials confidential.

2.3 We may refuse, suspend, or terminate accounts that violate these Terms, appear fraudulent, or create unacceptable risk (including payment or abuse risk).

2.4 Minors. The Service is not directed to children under 13, and we do not knowingly allow users under 18. See the Privacy Policy.

3. Stakes, proof, and charges

3.1 Creating a Stake. When you create a Stake you choose: a Stake amount from the amounts we offer in-product (currently $5, $10, $20, $50, or $100 USD, which we may change for future Stakes), a habit or goal description, a deadline, a proof type we offer (currently photo or GPS/location; other types such as video may appear later), and an electronic signature that we store with the Stake. Amounts and proof types shown at creation control that Stake.

3.2 Payment method authorization (SetupIntent). By creating a Stake (or when we ask you to add a card), you authorize us to use Stripe to collect and save a payment method via a Stripe SetupIntent configured for later off-session use (usage=off_session or equivalent). No Stake amount is charged at save time ($0 authorization / setup only). Card numbers are collected by Stripe Elements; we do not store full card numbers (PAN) or CVCs on our servers. We may store Stripe customer IDs and payment-method IDs on your profile.

3.3 Charge on fail (PaymentIntent). If a Stake remains unmet after the deadline (including overdue “active” Stakes processed by our systems), you authorize us to create a Stripe PaymentIntent, confirm it off-session, and charge the Stake amount to that saved payment method when, in our reasonable determination based on the rules shown for that Stake:

3.4 Successful proof. If you submit required proof on time and it meets the stated requirements for that Stake, the Stake is marked succeeded and we will not create a forfeit PaymentIntent for that Stake (except for any separate fees we disclose before you accept, if any).

3.5 Forfeits are final. Forfeited Stake amounts that are successfully charged are not refunded, except where required by law or where we decide in our sole discretion that a charge was made in error.

3.6 Failed charges. If a PaymentIntent fails (insufficient funds, expired card, bank decline, etc.), the Stake may be marked charge-failed and you remain responsible for the amount owed. We may retry the charge, request an updated payment method, suspend staking features, or pursue amounts owed as permitted by law.

3.7 Taxes. You are responsible for any taxes that apply to you. Stake charges are forfeit payments under these Terms, not purchases of goods, unless we expressly state otherwise for a specific fee.

3.8 Who receives forfeits. Forfeited amounts are paid to us (Health Intellect LLC d/b/a Locked In, or our payment processor on our behalf) as company revenue and as consideration for providing the Service and administering the Stake. They are not a charity donation and are not shared with other users as winnings. We may change where forfeits go only with clear notice for future Stakes.

3.9 Proof content. You represent that proof you submit is accurate, created by you (or with rights to use it), and does not violate others’ privacy or rights. Photo proof may be transmitted and stored as an image file URL or as image data associated with the Stake. Do not upload illegal content, others’ personal data without permission, or imagery of minors in any sexual or exploitative context.

3.10 Location / GPS. If a Stake requires location proof, you consent to collection of precise location for that purpose as described in the Privacy Policy. Location accuracy depends on your device and settings; we are not liable for GPS error.

3.11 Automated and manual review. We may use automated checks and/or human review to evaluate proof. Our determination for a given Stake is final for purposes of whether a charge is authorized under these Terms. There is no separate proof-appeal window. We may reverse or adjust a charge only for clear error (Section 3.5) or where required by law or non-waivable consumer rights.

4. Fees (if any)

Optional Service fees (subscription, convenience fees, etc.), if introduced, will be disclosed before you accept them. Stake forfeits are separate from any such fees.

5. Acceptable use

You agree not to:

We may void Stakes, refuse payouts/credits (if any), charge forfeits consistent with these Terms, and suspend accounts for violations.

6. Intellectual property

The Service, branding, and our content are owned by us or our licensors. You receive a limited, revocable, non-exclusive license to use the Service for your personal, non-commercial accountability use. You keep ownership of content you upload; you grant us a worldwide license to host, process, and display it as needed to operate the Stake and the Service.

7. Third-party services

Payments are processed by Stripe, Inc. and its affiliates (“Stripe”). Your use of payment features is also subject to Stripe’s terms and privacy notice. Hosting, email, analytics, and app-store platforms may process data as described in the Privacy Policy. We are not responsible for third-party outages beyond our reasonable control.

8. Mobile apps and store terms

If you download a Locked In app from the Apple App Store or Google Play:

9. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT PROOF REVIEW WILL BE ERROR-FREE, THAT THE SERVICE WILL BE UNINTERRUPTED, OR THAT USING THE SERVICE WILL IMPROVE YOUR HABITS OR HEALTH.

SOME JURISDICTIONS DO NOT ALLOW CERTAIN DISCLAIMERS; IN THOSE PLACES, DISCLAIMERS APPLY TO THE FULLEST EXTENT ALLOWED.

10. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE AND OUR OFFICERS, MEMBERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, DATA, OR GOODWILL, ARISING FROM OR RELATED TO THE SERVICE OR THESE TERMS.

OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US IN FORFEITS OR FEES IN THE 12 MONTHS BEFORE THE CLAIM OR (B) US $100.

THESE LIMITS DO NOT LIMIT LIABILITY THAT CANNOT BE LIMITED UNDER TEXAS OR OTHER APPLICABLE LAW (INCLUDING CERTAIN LIABILITY FOR GROSS NEGLIGENCE OR WILLFUL MISCONDUCT WHERE SUCH LIMITATION IS PROHIBITED).

11. Indemnity

You will defend and indemnify us against claims, losses, and expenses (including reasonable attorneys’ fees) arising from your content, your Stakes, your misuse of the Service, or your violation of these Terms or law, except to the extent caused by our willful misconduct.

12. Account deletion and survival

You may request account deletion by emailing info@lockedin.cc (and via in-product controls if we later provide them). Logging out alone does not delete your account. Deletion does not erase our right to collect already authorized forfeits or amounts then owed, or to retain records we must keep for legal, tax, fraud-prevention, or accounting purposes. Sections that by nature should survive (including 3, 5–11, 13–16) survive termination.

13. Dispute resolution; arbitration; class waiver

Draft recommendation — confirm before shipping.

13.1 Informal resolution. Before filing a claim, email info@lockedin.cc with a brief description of the dispute and seek an informal resolution for 30 days.

13.2 Binding arbitration. Except for small-claims court and IP injunctions, disputes arising out of these Terms or the Service will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. The seat of arbitration will be Gregg County, Texas, unless you and we agree otherwise or the arbitrator decides a different venue is required. Judgment on the award may be entered in any court with jurisdiction.

13.3 Class action waiver. YOU AND WE AGREE TO BRING CLAIMS ONLY IN YOUR OR OUR INDIVIDUAL CAPACITY, NOT AS A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. THE ARBITRATOR MAY NOT PRESIDE OVER ANY FORM OF CLASS PROCEEDING.

13.4 Opt-out. You may opt out of arbitration within 30 days of first accepting these Terms by emailing info@lockedin.cc with your name, account email, and a clear statement that you opt out of arbitration. If you opt out, Section 14 (courts) applies instead of arbitration.

13.5 Small claims. Either party may bring an individual action in small-claims court in Texas (or your county of residence if required by law).

14. Governing law and venue

These Terms are governed by the laws of the State of Texas, excluding conflict-of-law rules. Subject to Section 13, exclusive venue for court actions that are not arbitrated lies in state or federal courts located in Texas, and you consent to personal jurisdiction there, except where prohibited (including any mandatory consumer venue rules).

15. Changes

We may update these Terms by posting a revised version on the Service and updating the effective date. Material changes for existing open Stakes will not retroactively worsen the forfeit rules for that Stake unless required by law or you agree. Continued use after the effective date constitutes acceptance of the updated Terms for future use and new Stakes.

16. Miscellaneous

If a provision is unenforceable, the rest remains in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a merger, financing, or sale of assets. These Terms are the entire agreement regarding the Service and supersede prior agreements on that subject. Notices to you may be sent to your account email. Notices to us go to info@lockedin.cc and, for legal process, to:

Health Intellect LLC (Locked In)
507 Woodway Ln, Longview, TX 75605
United States

17. Contact

Questions about these Terms: info@lockedin.cc

Ship notes (not part of user-facing Terms)

Status: Placeholders filled 2026-09-02 from Brayton defaults (widget dismissed). Ready for LockedIn PR #4 after #3.