Last updated: February 18, 2026
Welcome to Stepply. These Terms of Use ("Terms") govern your access to and use of the Stepply mobile application ("App"), website (https://stepply.ai), and related services (collectively, the "Platform") operated by Stepply AI LTDA ("Stepply", "we", "our", or "us"), located at Av. Ibirapuera, 2120, Conj. 0142, Indianopolis, Sao Paulo/SP, CEP 04.028-001, Brazil.
By creating an account or using the Platform, you agree to be bound by these Terms. If you do not agree, do not use the Platform.
To use the Platform, you must:
If you are under 18 years of age, you represent that you have your parent's or legal guardian's consent to use the Platform. Users under 18 may not participate in challenges that involve financial transactions (paid tickets or cash prizes) without verifiable parental or legal guardian consent.
To use the Platform, you must create an account by providing your full name, email address, phone number, CPF (Brazilian tax ID), date of birth, and a password. Authentication is managed by our identity provider (Clerk).
You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must immediately notify us of any unauthorized use of your account.
You agree to provide accurate, current, and complete information during registration and to keep your information updated. Stepply reserves the right to suspend or terminate accounts that contain inaccurate or fraudulent information.
Each person may only maintain one account. Creating multiple accounts may result in suspension or termination of all associated accounts.
Users and organizations may create challenges within the App. When creating a challenge, the creator defines:
The challenge creator is responsible for ensuring the challenge description accurately represents the required activities, as well as being engaging enough for other users on the platform to be interested in participating. The challenge creator is responsible for managing the challenge, monitoring its progress, participant engagement, reporting any irregularities to Stepply, and organizing real-world initiatives that correspond to the challenge's purpose.
To join a challenge, you may need to:
By joining a challenge, you agree to abide by the challenge rules defined by its creator.
Participation involves completing activities and submitting check-ins to record your progress. Check-ins may include photos, videos, or text descriptions depending on the challenge rules.
Points are awarded for each check-in submission. The score for each check-in is calculated based on the following factors:
The final score for a check-in is:
Formula: Points = (base + streak bonus + media bonus) x activity modifier + AI relevance score
At the end of a challenge, the participant's total score is the sum of all their individual check-in scores. Stepply reserves the right to adjust the scoring formula at any time. Any changes will apply to future check-ins and will not retroactively affect previously scored submissions.
Challenge creators or Stepply may disqualify participants who:
Disqualified participants are not eligible for prizes.
Stepply acts solely as an intermediary between challenge creators and participants. Stepply is not a financial institution, payment institution, or escrow service. When a ticket is purchased, Stepply receives the payment on behalf of the challenge operation, retains its platform fee, and forwards the amounts owed to the challenge creator (as commission) and to the challenge winner (as prize). All payment processing is handled by Stripe, a third-party payment processor.
Some challenges require a paid ticket to participate. Ticket prices are set by the challenge creator and displayed in the App before purchase. All prices are shown in the applicable currency.
Payments are processed by Stripe, our third-party payment processor. By making a purchase, you also agree to Stripe's Terms of Service.
Stepply charges a platform fee of 20% on each ticket transaction. This fee is deducted from the ticket revenue before distributing prizes.
When you purchase a ticket, the revenue is allocated as follows:
You may cancel a ticket purchase under the following conditions:
Refund amounts depend on when you cancel:
Refund timelines by payment method:
No refunds will be issued after the 7-day cancellation window has expired, after the challenge has started (if less than 24 hours remain before start), or after the challenge has ended.
Challenge creators may remove a challenge only before it has started and only if no ticket purchases have been completed. Once a participant has purchased a ticket for a challenge, the creator cannot remove the challenge. This restriction ensures participant funds are protected.
At the end of a paid challenge, the participant with the highest total score is declared the winner and receives the cash prize. Participants who left the challenge or were disqualified are not eligible.
In case of a tie (multiple participants with the same highest score), the following tiebreaker criteria are applied in order:
Each criterion above awards one tiebreaker point. The participant with the most tiebreaker points wins. If a tie persists after all criteria, the participant who joined the challenge earliest is declared the winner.
If a challenge ends with all participants having zero points (no check-ins submitted), no winner will be declared. In this case, the total amount collected from ticket sales will be retained exclusively by the challenge creator (as commission) and by the Platform (as platform fee), according to the breakdown described in Section 5.3. No prize will be awarded.
Prizes are credited to the winner's Wallet within the App. The prize amount corresponds to the total prize pool accumulated from ticket sales (after deducting fees as described in Section 5.3).
The Wallet is a feature within the App that allows you to view pending prize and commission amounts and track your redeemable points balance. The Wallet is not a bank account and does not hold funds.
To activate your Wallet and become eligible to receive prize and commission payouts, you must:
Without an activated Wallet, you will not be able to receive payouts for prizes won or commissions earned from challenge creation.
Prize and commission payouts are processed within up to 5 business days and sent directly to your own bank account via PIX using the registered PIX key. No withdrawal request is needed. Stepply is not responsible for payouts sent to incorrect PIX keys provided by the user.
The Wallet also displays your redeemable points balance. Redeemable points are granted by the Platform as additional rewards for using the Platform in various ways. The distribution, amounts, and conditions for earning and redeeming points are entirely at Stepply's discretion and may change at any time without prior notice. Redeemable points have no monetary value and cannot be exchanged for cash.
You are solely responsible for any tax obligations arising from prizes received through the Platform. Stepply may be required to report prize payments to Brazilian tax authorities as required by law.
By submitting content (check-in photos, videos, text, challenge descriptions, profile information) through the Platform, you:
You agree not to submit content that:
Stepply reserves the right to remove any content that violates these Terms or that we deem inappropriate, without prior notice. Repeated violations may result in account suspension or termination.
You agree not to:
The Platform, including its design, features, code, and content created by Stepply, is protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, or create derivative works based on the Platform without our written permission.
"Stepply" and the Stepply logo are trademarks of Stepply AI LTDA. You may not use our trademarks without prior written consent.
The Platform integrates with third-party services (payment processors, cloud providers, AI services) as described in our Privacy Policy. Your use of these third-party services is subject to their respective terms and policies.
THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
Stepply does not warrant that:
TO THE MAXIMUM EXTENT PERMITTED BY LAW, STEPPLY SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR GOODWILL, ARISING FROM:
Stepply's total aggregate liability for any claims arising from or related to the Platform shall not exceed the amount you have paid to Stepply in the 12 months preceding the claim.
You agree to indemnify and hold harmless Stepply, its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable legal fees) arising from:
We may suspend or terminate your account at any time if we believe you have violated these Terms, engaged in fraudulent activity, or for any reason at our sole discretion. We will make reasonable efforts to notify you, except where prohibited by law or where notification could compromise security.
You may delete your account at any time through the App settings. Upon deletion, your data will be handled as described in our Privacy Policy.
Upon account termination:
Disputes between users (e.g., regarding challenge rules, check-in validity, or prizes) should first be resolved directly between the parties. Stepply may, at its sole discretion, mediate disputes but is not obligated to do so.
Any disputes arising from these Terms or the Platform shall first be addressed through good-faith negotiation. If a resolution cannot be reached within 30 days, the dispute shall be submitted to the courts of Sao Paulo, SP, Brazil.
We may update these Terms from time to time. When we make material changes, we will:
Your continued use of the Platform after changes are posted constitutes your acceptance of the updated Terms. If you do not agree with the changes, you must stop using the Platform and delete your account.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Stepply regarding the use of the Platform.
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
The failure of Stepply to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision.
You may not assign or transfer your rights under these Terms without our prior written consent. Stepply may assign its rights and obligations without restriction.
Stepply shall not be liable for any failure to perform its obligations due to circumstances beyond its reasonable control, including but not limited to natural disasters, government actions, internet outages, or third-party service failures.
Stepply reserves the right to temporarily interrupt or limit access to the Platform, in whole or in part, for maintenance, system updates, security patches, or any other changes deemed necessary for the proper operation of the Platform. When possible, Stepply will provide advance notice of planned interruptions through the App or by email. Stepply shall not be liable for any losses arising from such interruptions.
These Terms are governed by the laws of the Federative Republic of Brazil. Any disputes shall be resolved in the courts of Sao Paulo, SP, Brazil.
If you have any questions about these Terms, please contact us: