1. About Habit Hustle
Habit Hustle is a skill-based health challenge platform operated by Habit Hustle, Inc. (“Company,” “we,” “us,” or “our”). The platform enables users to voluntarily make a financial investment in reducing their own screen time or problematic app usage over a six-week sprint (“Hustle”). Participants set personal usage goals against their own baseline data, and outcomes follow each participant’s own measured usage against those goals.
These Terms govern your access to and use of the Habit Hustle platform, including the website, mobile applications, and any related services (collectively, the “Service”).
2. Eligibility
- You must be at least 18 years of age to use the Service (21 in certain states where required).
- The Service is currently available to residents of the United States only. Access from outside the US is not permitted and may be geo-restricted.
- You must have the legal capacity to enter into a binding agreement.
- You may not create more than one account per person.
- By using the Service, you represent and warrant that you meet all eligibility requirements. Before staking any value in a Hustle, you will be asked to confirm your date of birth and location; we may verify this against your device or network location and may decline access where the requirements are not met.
3. Account Registration
You register for an account using a supported OAuth provider (Google, Microsoft, or Apple). You are responsible for maintaining the security of your account and for all activity that occurs under your account. You agree to notify us immediately at support@habithustle.life if you suspect unauthorized access.
4. How Hustles Work
A Hustle is a six-week skill-based health challenge. Here is how participation works:
- Baseline audit: Before joining a Hustle, your last 14 days of screen-time data is analyzed to generate personalized weekly usage goals. Goals are derived from your own baseline — they are realistic targets calibrated to your actual habits, not arbitrary limits imposed by the platform.
- Your stake: To join a Hustle, you commit a stake (denominated in Hustle Tokens, which correspond to real funds) into a shared value pool with other participants in the same Hustle. Your stake comes back to you if you finish.
- Entry fee: If you do not hold an active subscription (see Section 7), joining a Hustle also charges a flat, non-percentage entry fee, billed separately from your stake at the time you join. The entry fee covers running the Hustle and is never part of the value pool. Subscribers do not pay an entry fee.
- Weekly goals: Each week you must meet your personalized screen-time reduction targets. Progress is tracked via screen-time data submitted to the platform.
- Succeeding: Participants who meet their goals for all six weeks are deemed successful. Successful participants recover their own stake and split the remainder of the value pool — which includes the stakes forfeited by participants who did not finish — in proportion to the amount each of them staked. Streaks and multipliers are shown for your own progress and do not increase your share of the pool. The entry fee is never deducted from the value pool; see Section 5.
- Missing goals: If you fail to meet your weekly goals, you are eliminated from that Hustle. Your stake remains in the value pool and is redistributed to successful participants. Missing a goal is not a punishment — it means you chose the challenge and the outcome was outside your goal range this time.
5. Entry Fee & Disbursements
- Entry fee: If you do not hold an active subscription, joining a Hustle charges a flat entry fee (see Section 7 for the current amount) in addition to your stake, billed on the same transaction as your stake at the time you join. The entry fee is a fixed dollar amount — it is never calculated as a percentage of your stake — and is retained by Habit Hustle as the cost of running the Hustle. It is never added to, or deducted from, the value pool. Subscribers pay no entry fee to join any Hustle.
- The value pool: 100% of the value pool — participants’ stakes, including stakes forfeited by participants who do not finish — is distributed to successful participants. Habit Hustle does not retain any share of the value pool.
- Payout schedule: Winnings are credited to your account balance as Hustle Tokens. Cash payouts (the conversion of Hustle Tokens back into real money) are processed on a fixed quarterly schedule: January 15, April 15, July 15, and October 15. To be included in a payout, you must opt in by the closing date 10 calendar days before each payout date (January 5, April 5, July 5, and October 5).
- Cash-out limits: The minimum cash-out amount is $25.00 (2,500 Hustle Tokens). The maximum cash-out amount per quarter is $2,500.00 (250,000 Hustle Tokens). These limits may be updated from time to time; the current limits are always displayed in the app at the time you submit a cash-out request.
- Opt-in conversion: To receive a cash payout in a given quarter, you must opt in to converting your Hustle Tokens to money before that quarter’s payout closing date. Hustle Tokens for which no conversion election is made by the closing date remain in your account balance and roll over to a future payout cycle.
- Interest on held funds: Funds held by Habit Hustle, Inc. as a liability against possible future payouts may be held in interest-bearing accounts. Any interest earned on these held funds is retained by Habit Hustle, Inc. and does not accrue to your account balance.
- When processed, cash payouts are disbursed via our payment processor to your connected payout account; processing times are subject to the processor’s standard timelines.
- We reserve the right to adjust the entry fee structure with 30 days’ advance notice posted on the platform.
6. Refund & Withdrawal Policy
- Before a Hustle starts: You may withdraw your stake and receive a full refund up until the Hustle start date.
- After a Hustle starts: Stakes are non-refundable once the Hustle’s first week has begun.
- Earnings: Earnings are credited to your account balance as Hustle Tokens. Converting earnings to a cash payout requires opting in by the applicable quarterly payout closing date (see Section 5). Hustle Tokens that are not converted remain in your balance and roll over to a future payout cycle. Minimum payout amounts and processing fees may apply.
- In the event that a Hustle is cancelled by Habit Hustle before it begins, all stakes and any entry fees paid will be refunded in full.
7. Subscriptions
Habit Hustle offers two optional subscriptions: Monthly Access ($10/month) and Yearly Access ($100/year). You may participate in Hustles without either subscription; see Sections 4–5 for how joining a Hustle is charged with and without one.
- Entry fee waived: The entry fee described in Section 5 is $5 per Hustle. While subscribed, you do not pay it to join a Hustle. Your stake is unaffected either way.
- Included content: Subscribers get the research library, your full cross-Hustle history and charts, and the Biohacker Circle community channel.
- At-risk limit: The total amount you may have staked across all of your active Hustles at any one time is capped at $100 if you are not subscribed, or $250 if you hold an active subscription.
- Subscriptions are billed monthly or annually and may be cancelled at any time. Unused subscription time is non-refundable except as required by applicable law.
8. Prohibited Conduct
You agree not to:
- Submit false, fabricated, or manipulated screen-time data.
- Create multiple accounts to circumvent platform rules or limits.
- Use the platform if you are under 18 or outside the US.
- Attempt to reverse-engineer, scrape, or exploit the platform.
- Harass, abuse, or harm other community members.
- Collude with other participants to manipulate Hustle outcomes or funnel coins, farm bonus or promotional coins, or otherwise abuse the in-app coin economy.
- Use the platform in violation of any applicable law or regulation.
Violation of these rules may result in immediate account suspension and forfeiture of any balance.
Review before a pending cash-out is paid. If we suspect — but have not yet confirmed — that your account is involved in the collusion or coin-funneling conduct described above, and you have a cash-out request pending for an upcoming quarterly payout (see Section 5), we place that cash-out under review rather than paying it out on schedule:
- Notice. We notify you that your pending cash-out is under review and why.
- Appeal window. You may respond with an explanation or evidence any time before 14 days prior to the payout date.
- Review and freeze. We review your account and any response you provide. If the review is not resolved by 7 days before the payout date, your cash-out is frozen — excluded from that payout — while the review continues.
- Unresolved by the payout date. If the review is still unresolved on the payout date itself, your cash-out is suspended rather than paid, and rolls to the next quarterly cycle.
- Cleared. If the suspicion is resolved in your favor, any related account suspension is lifted immediately, and your cash-out is restored and paid on the scheduled date if cleared in time.
- Confirmed. If the suspicion is confirmed, your account is suspended indefinitely — not just the cash-out, all account activity. A confirmed finding may also lead to termination for cause, in which case the balance-forfeiture terms in Section 9 apply.
To protect the integrity of the coin economy and to meet our regulatory obligations, we monitor in-app coin activity for fraud, collusion, and abuse, and we retain the related transaction records for the periods described in our Privacy Policy. Identity verification is required before any payout; the verifier is not yet integrated and no payouts are made until it is. Once integrated, identity verification will be performed by a dedicated identity-verification provider, not by our payment processors; Habit Hustle, Inc. will not itself collect or hold your government-identity verification data.
9. Termination
We may suspend or terminate your account at any time for violation of these Terms or for any other reason at our sole discretion. You may delete your account at any time via your profile settings or by contacting support. Upon termination, any pending Hustle stakes that have not yet started will be refunded; stakes in active Hustles are subject to the refund policy in Section 6.
Effect on Hustle Token balance:
- Voluntary closure or termination by Habit Hustle for non-cause reasons: If your redeemable Hustle Token balance is at or above the $25.00 cash-out minimum (2,500 tokens), you will have 30 days from the date of the closure request to opt in to a final out-of-cycle cash-out before your account is permanently closed. Redeemable token balances below the $25.00 minimum that cannot be converted through this process will be handled in accordance with applicable unclaimed-property and escheatment laws. Promo and bonus tokens are non-redeemable at any time and are forfeited immediately upon closure.
- Termination for cause (Section 8 violation): All token balances, including any redeemable balance, are forfeited upon termination. No cash-out opportunity is provided.
10. Disclaimers
The Service is provided “as is” and “as available” without warranty of any kind, express or implied. We do not guarantee that the Service will be uninterrupted, error-free, or free from harmful components. Habit Hustle is a personal behavior-change tool and is not a substitute for medical or mental health advice.
11. Limitation of Liability
To the maximum extent permitted by law, Habit Hustle, Inc. and its affiliates, officers, employees, and agents 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 your use of or inability to use the Service. Our total liability to you for any claim arising out of or relating to these Terms or the Service shall not exceed the greater of (a) the total amount you paid us in the twelve months preceding the claim or (b) $100 USD.
12. Governing Law & Disputes
These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-law principles. Any dispute arising from these Terms or the Service shall be resolved by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, except that either party may seek injunctive or other equitable relief in a court of competent jurisdiction. You waive any right to participate in a class-action lawsuit or class-wide arbitration.
13. Changes to These Terms
We may update these Terms from time to time. If we make material changes, we will notify you via email or an in-app notice at least 14 days before the changes take effect. Continued use of the Service after the effective date constitutes acceptance of the updated Terms.