TERMS OF SERVICE

Welcome to coward.tax (“we,” “us,” or “our”). These Terms of Service (“Terms”) govern your access to and use of the website located at https://coward.tax (the “Website”) and any related services provided through the platform.

By accessing or using coward.tax, you agree to be bound by these Terms. If you do not agree to these Terms, you must not use the Website.

1. Description of the Service

coward.tax is a platform that allows users to create public accountability contracts tied to personal goals.

Users define a goal, set a deadline, authorize a payment method, and agree that if the goal is not completed and verified according to the platform rules, a financial penalty (“coward tax”) may be charged automatically.

The platform may involve the following elements:
- Goal definition
- Deadline selection
- Minimum two-witness setup
- Witness verification within 24 hours after deadline
- Automated payment processing if a contract fails

coward.tax provides the infrastructure for these contracts but does not guarantee the outcome of any user commitment.

2. Eligibility

You must be at least 18 years old to use coward.tax.

By using the Website, you represent and warrant that:
- You are at least 18 years of age
- You have the legal capacity to enter into binding agreements
- All information you provide is accurate and truthful

If you do not meet these requirements, you may not use the Website.

3. User Commitments and Contract Execution

When you execute a contract on coward.tax, you agree to the following:

You voluntarily commit to completing the defined goal by the specified deadline
You authorize coward.tax to charge the agreed financial penalty if the contract fails
You understand that once a contract is executed, it cannot be modified or reversed

A contract may be considered failed if:
- Fewer than two witnesses are provided
- Any witness rejects completion
- The 24-hour witness review window expires without all required approvals

A contract may be considered completed only when at least two witnesses approve completion within the required timeframe.

All witness decisions made through the platform are final.

4. Payment Authorization

To execute a contract, users must authorize a payment method through our payment provider.

All payments are processed through Stripe, a third-party payment processor. coward.tax does not store full credit card details.

By authorizing a payment method, you agree that:
- coward.tax may charge the agreed penalty amount if your contract fails
- charges will be processed automatically according to the contract terms
- you are responsible for ensuring your payment method is valid and authorized

coward.tax is not responsible for payment processing errors caused by third-party providers.

5. Witness Verification

Every contract requires at least two witnesses to verify completion.

Witnesses receive a request to approve or reject completion during a 24-hour review window after deadline.

By submitting witness email addresses, you confirm that you have permission to provide their contact information.

Witness decisions submitted through the platform are used to determine the contract outcome.

coward.tax does not independently verify witness decisions.

6. Verification Records

Users are responsible for providing truthful contract details and witness information.

Submitting fraudulent, misleading, or unauthorized witness information may result in suspension or termination of access to the platform.

7. Acceptable Use

You agree not to use coward.tax to:

- Engage in illegal activities
- Harass, threaten, or impersonate other individuals
- Submit fraudulent witness information or false information
- Abuse the platform or interfere with its operation

We reserve the right to suspend or terminate access to the Website if these rules are violated.

8. Platform Availability

coward.tax is provided “as is” and “as available.”

We do not guarantee uninterrupted access to the Website and are not responsible for downtime, system interruptions, or technical failures.

We may modify, suspend, or discontinue any part of the service at any time without notice.

9. Limitation of Liability

To the maximum extent permitted by law, coward.tax and its owner shall not be liable for:

- indirect, incidental, or consequential damages
- loss of profits, data, or opportunities
- disputes between users and witnesses
- decisions made by witnesses regarding completion verification

Your use of the platform is at your own risk.

10. Privacy

Your use of coward.tax is also governed by our Privacy Policy.

Privacy Policy:
https://coward.tax/privacy

The Privacy Policy explains how we collect, use, and protect your information.

11. Changes to These Terms

We may update these Terms from time to time to reflect changes to our services, operational practices, or legal requirements.

When updates occur, the revised version will be posted on this page with an updated “Last Updated” date.

Continued use of the Website after updates constitutes acceptance of the revised Terms.

12. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of Australia, without regard to conflict of law principles.

13. Contact Information

If you have questions regarding these Terms, you may contact us at:
Email: XXX@gmail.com

By using coward.tax, you acknowledge that you have read, understood, and agree to these Terms of Service.