A pledge on Walk Or Lose is a commitment device: you put a fixed amount behind your own daily step goal so that skipping it costs something. The point is the walking. The return is a bonus for consistency — never the reason to be here.
Our approach
Every paid program is decided entirely by your own measured steps. There is nothing to predict and no one to outperform — you control the outcome by walking. Returns are funded only by the pledges made in that program, and we charge a flat 15% service fee on returns. If a participant misses a goal, their pledge is never our revenue — it goes to the participants who complete the program.
Treat a pledge like a gym membership you only get back if you show up — not like a way to earn income. If a pledge would hurt to lose, it’s too big.
Built-in guardrails
- Fixed pledge bounds. Custom programs run from €20 to €1,000; official programs are priced by us and can be lower or free.
- One pledge per program. You can’t raise a pledge, add a second one, or top it up after kickoff. There is no way to make up a missed goal by pledging more inside a program.
- Completion Protection. If the return per participant who completes would fall below the pledge, everyone is fully refunded and we keep nothing.
- Flat fee only. Our 15% service fee is the same whether many participants complete or few. We have no incentive for you to fall short.
- Pay upfront, never on credit. We don’t offer loans, credit, or “take part now, pay later” of any kind.
Your controls
- Pledge limits — cap how much you can pledge over a period, in Settings → Limits.
- Cool-off and self-exclusion — block yourself from joining paid programs for a period you choose, or indefinitely, in Settings or by emailing support@walkorlose.com. We apply it to your account and confirm by reply.
- Withdraw any time — your wallet balance is yours; withdrawals are available from €10 with no withdrawal fee.
Free ways to take part
You never have to pledge money to use Walk Or Lose. The Daily Bonus is free every day — walk 5,000 steps to qualify, no card required. Free programs let you take part with friends at zero cost. If you’re pausing paid programs, the free modes keep your streak and your habit going.
When to step back
Pledges should sit comfortably inside your budget for fitness and fun. Step back from paid programs if any of these sound familiar:
- You’re pledging money you need for essentials.
- You join for the return rather than the steps.
- You pledge more after missing a goal, to “make it back.”
- You hide how much you’re pledging from people close to you.
If that’s you, switch to the free modes and email us to set a limit or self-exclude — it takes one message.
Under 18
Paid programs are strictly 18+. Free modes are open from age 13. If you believe a minor has joined a paid program, contact support@walkorlose.com and we will close the participation and refund the pledge.
Getting help
If spending on Walk Or Lose — or on anything — feels out of your control, tell someone you trust and consider speaking with your doctor or a financial counsellor. Email us at support@walkorlose.com and we will freeze paid participation on your account the same day we process your request, no questions asked.
Contact
Walk Or Lose
support@walkorlose.com