Terms and Conditions

Last updated: 5 August 2026

Welcome to Choreward. These Terms and Conditions (“Terms”) govern your use of our app and website (the “Service”), operated by Hayo Ottens (“we”, “us”, “our”). By creating an account or using the Service, you agree to these Terms. If you do not agree, please do not use the Service.

1. What the Service does

Choreward helps households turn chores and tasks into points. Members complete tasks to earn points (subject to approval rules), work toward personal savings goals, and — if the household enables it — receive monetary payouts funded by the household organiser through our open-banking partner (see Section 6).

2. Eligibility and accounts

• You must be at least 16 years old to create an adult (email) account in your own name.
• Households may include younger members via a PIN login created and managed by an adult admin. That admin is responsible for parental consent and for supervising those members’ use of the Service, including any payout settings.
• You are responsible for keeping your login details (password or PIN) secure and for activity under your account.
• You must provide accurate information and keep it up to date.

3. Points and rewards

• Points have no independent monetary value and are not legal tender. They represent progress within a household and can be used toward goals or, when payouts are enabled, converted according to the household’s points-per-euro setting.
• Household admins set the rules for tasks, point values, approvals, and goals. Members may set or edit their own savings goals.
• Points are non-transferable outside the Service and cannot be exchanged for cash except through the optional payout feature described in Section 6.
• We (or household admins, where applicable) may correct point balances that result from errors, bugs, or misuse.
• Points do not expire automatically solely due to the passage of time, unless a household’s own rules or a future product change says otherwise (we will notify you of significant product changes).

4. Who funds payouts

Payouts are funded by the household admin / organiser who initiates the bank transfer. Choreward is software that helps organise tasks, track points, and initiate those transfers. We do not ourselves fund rewards or guarantee that funds will be available for any payout.

5. Choreward is not a bank

Choreward is not a bank, e-money institution, or licensed payment provider, and does not hold customer funds. When payouts are used, payments are initiated through our regulated open-banking partner and move between the payer’s bank account and the beneficiary IBANs configured in the household. We do not store balances of money on your behalf — only points and payout records in the Service.

6. Payouts and open banking (TrueLayer)

Optional payout features are provided through TrueLayer, operating under the EU PSD2 open-banking framework. By using these features you understand and agree that:

• To pay out, a household admin authenticates with their own bank for one member payment at a time, using the bank’s Strong Customer Authentication. You never share banking credentials with Choreward.
• You authorise the initiation of the relevant payment based on the consent you give at the bank.
• Payment timing, availability, and success depend on the banks and payment systems involved and are outside our direct control. Payouts may remain pending until confirmed, and may be delayed or declined by a bank.
• Your use of open-banking features is also subject to TrueLayer’s terms and your bank’s terms. See TrueLayer’s legal terms and privacy notice.
• There is no separate fee charged by Choreward for initiating a payout; your bank may apply its own charges.
• Currency for payouts is euro (EUR). The household’s configured points-per-euro rate is used only to calculate display amounts and payout amounts from point balances.
• We are not responsible for losses caused by incorrect payment details (such as an IBAN) you or a household admin provide. Check account details carefully.
• Payout features may be limited in sandbox or test environments and may not be available for every bank.

7. Acceptable use

You agree not to:

• Use the Service for any unlawful purpose or fraud, including money laundering or disguising the source of funds;
• Manipulate points, rewards, or payouts through bugs, automation, or false task completion;
• Interfere with, disrupt, or attempt to gain unauthorised access to the Service or other users’ accounts;
• Use the Service to harass, harm, or coerce another person, including within a household;
• Reverse-engineer, copy, or resell the Service except as permitted by law.

We may suspend or terminate accounts that breach these rules.

8. Your content

You retain ownership of the content you create in the Service (such as task names and goals). You grant us a limited licence to host, store, and display that content solely to operate and provide the Service to you and your household.

9. Our intellectual property

The Service, including its software, design, and branding, is owned by us or our licensors and is protected by intellectual-property laws. We grant you a personal, non-exclusive, non-transferable, revocable licence to use the Service in line with these Terms.

10. Service availability

We aim to keep the Service available and working, but we provide it “as is” and “as available”. We do not guarantee uninterrupted or error-free operation, or that every feature (including payouts) will always be available. We may modify, suspend, or discontinue features with reasonable notice where possible.

11. Disclaimers

To the fullest extent permitted by law, we disclaim all warranties not expressly stated in these Terms. We do not warrant that the Service will meet all your requirements or that points, rewards, or payouts will always process as expected, given the roles of banks and third-party providers.

12. Limitation of liability

To the fullest extent permitted by law:

• We are not liable for indirect, incidental, or consequential losses.
• We are not liable for delays, failures, or losses caused by banks, payment systems, or third-party providers acting outside our control.
• Our total liability arising out of or in connection with the Service is limited to the greater of (a) the amount you paid us for the Service in the twelve (12) months before the claim, or (b) €50.

Nothing in these Terms limits liability that cannot be excluded by law (for example, for death or personal injury caused by our negligence, or for fraud).

13. Termination

• You may stop using the Service and close your account at any time (household admins may also delete the household where that feature is available).
• We may suspend or terminate your access if you breach these Terms, if required by law, or if we discontinue the Service.
• On termination, your right to use the Service ends. Provisions that by their nature should survive (such as liability, disclaimers, and governing law) will continue to apply.

14. Changes to these Terms

We may update these Terms from time to time. We will post the updated version with a new “Last updated” date and, for significant changes, notify you within the Service where practical. Continued use after changes take effect means you accept the updated Terms.

15. Governing law and disputes

These Terms are governed by the laws of the Netherlands. Disputes will be subject to the competent courts of the Netherlands, unless mandatory consumer law gives you the right to bring proceedings elsewhere.

If you are a consumer in the EU, you may also use the European Commission’s Online Dispute Resolution platform.

16. Contact

Questions about these Terms? Contact us at hayo.ottens@gmail.com.

These Terms should be read together with our Privacy Policy.