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Make It or Pay

Terms of Use — “Make It or Pay”

Last updated: 7 June 2026

Translation notice. This English translation is provided for convenience only. In case of discrepancy, the French version prevails.

Article 1 — Purpose

1.1. These Terms of Use (hereinafter the “Terms”, in French Conditions Générales d’Utilisation or “CGU”) set out the terms and conditions under which users access and use the “Make It or Pay” service (hereinafter the “Service”), published by VMConsulting (hereinafter the “Publisher”).

1.2. The Service is a habit-tracking solution based on a mechanism of real financial commitment: the User defines personal habits or tasks and attaches to each of them a fine (an amount in euros) which will be actually charged to the payment method on file if the corresponding commitment is not met.

1.3. The Service is accessible:

  • via the mobile application for iOS and Android systems (internal name “Habit”);
  • via the web application available at app.makeitorpay.com;
  • via the marketing website available at makeitorpay.com.

1.4. These Terms apply to all of these media, referred to collectively as the “Platform”.

Article 2 — Definitions

  • “Fine”: an amount in euros, freely set by the User (minimum €0.10 per commitment), actually charged to the Payment Method if the associated Commitment is not met.
  • “Account”: the User’s personal space giving access to the Service.
  • “Publisher”: the company VMConsulting, identified in Article 3.
  • “Commitment”: a habit, task or goal defined by the User, together with a Fine and, where applicable, a deadline or recurrence.
  • “Payment Method”: the bank card registered by the User upon sign-up and held by the payment provider Stripe.
  • “Platform”: all media through which the Service is provided (mobile application, web application, marketing website).
  • “Payment Provider”: the company Stripe, which handles secure payment processing.
  • “Service”: the “Make It or Pay” service described in Article 1.
  • “User”: any natural person of legal age who holds an Account and uses the Service.

Article 3 — Legal notice

The Service is published by:

  • Company name: VMConsulting
  • Legal form: Sole proprietorship (entreprise individuelle — individual entrepreneur)
  • Share capital: Not applicable (sole proprietorship)
  • Registered office: 18 rue des Borderies, 16100 Saint-Laurent-de-Cognac, France
  • Registration: Registered with the French National Business Register (RNE), SIREN 928 891 969
  • SIREN: 928 891 969
  • Contact address: contact@makeitorpay.com
  • Publication director: Victor Magaud

Payment processing is provided by Stripe Payments Europe, Ltd. and its affiliated entities. Hosting of the Platform is provided by the technical service providers selected by the Publisher.

Article 4 — Acceptance of the Terms

4.1. Use of the Service implies full, complete and unreserved acceptance of these Terms.

4.2. Upon signing up, the User declares that they have read and understood these Terms and accepts them by ticking the box provided or by confirming their registration. This acceptance has the same value as a handwritten signature.

4.3. The User expressly acknowledges that they have read and understood the mechanism of financial commitment and actual charging of Fines described in Article 7, and accepts it without reservation.

4.4. If the User does not accept these Terms, they must refrain from using the Service.

Article 5 — Access conditions and registration

5.1. Minimum age. The Service is strictly reserved for natural persons who are of legal age (18 years or over) and legally capable of entering into a contract.

5.2. Personal use. The Service is intended for strictly personal, non-professional use (B2C relationship).

5.3. Accuracy of information. The User undertakes to provide accurate, complete and up-to-date information, and to update it in the event of any change.

5.4. Bank card required. Registering a valid Payment Method is mandatory to complete sign-up and activate the Account. The User warrants that they are the legitimate holder of the registered Payment Method, or that they are duly authorised to use it.

5.5. One Account per User. Each User may create only one Account, unless expressly agreed otherwise by the Publisher.

Article 6 — User account and security

6.1. Access to the Account is protected by personal credentials.

6.2. The User is solely responsible for keeping their credentials confidential. Any action performed from their Account is deemed to have been performed by the User.

6.3. The User shall inform the Publisher without delay (contact@makeitorpay.com) of any unauthorised use of their Account.

6.4. The Publisher implements reasonable security measures but cannot be held liable for fraudulent access resulting from the User’s negligence.

Article 7 — Commitment and fine mechanism (essential clause)

IMPORTANT WARNING. The Service is based on the actual charging of real sums of money. By defining a Commitment with an attached Fine, the User expressly and irrevocably authorises the Publisher, through the Payment Provider, to actually charge their Payment Method for the amount of any Fines incurred. This is neither a simulation, nor a game, nor a fictitious amount.

7.1. Defining a Commitment. For each Commitment, the User sets the title, the recurrence/deadline, and the amount of the Fine (minimum €0.10).

7.2. Trigger. If a Commitment is not met, the corresponding Fine is incurred and added to the balance due.

7.3. Charging authorisation. The User expressly authorises the Publisher and the Payment Provider to charge their Payment Method for the amount of the accumulated Fines.

7.4. Frequency. Fines are charged on a periodic basis, in principle monthly. The Publisher may charge when the balance reaches a threshold, or upon termination.

7.5. Final nature. Fines actually incurred are due and non-refundable, except in the case of a technical error attributable to the Publisher (Art. 7.7).

7.6. Transparency. The User has access to the history of their Commitments, Fines and charges.

7.7. Disputes. In the event of an unjustified charge, the User may write to contact@makeitorpay.com; the Publisher will examine the request in good faith and issue a refund where appropriate.

7.8. Failed charges. In the event of a failed charge, the Publisher may retry the charge, suspend access and/or terminate the Account (Art. 12). Amounts due remain payable.

7.9. No financial service. The Service is neither a savings product nor an investment product; Fines do not generate any interest for the benefit of the User.

Article 8 — Price of the Service and right of withdrawal

8.1. Any applicable pricing terms are set out on the Platform. Fines are governed by Article 7.

8.2. The Service is a digital service. In accordance with Articles L.221-18 et seq. of the French Consumer Code, the User in principle has a 14-day withdrawal period; by requesting immediate performance (Art. L.221-28), the User acknowledges losing this right once the service has been fully performed.

8.3. The right of withdrawal applies to the subscription to the Service, not to Fines resulting from Commitments freely entered into.

Article 9 — User obligations and prohibited conduct

It is prohibited, in particular, to: provide false information or use a Payment Method of which one is not the holder/authorised user; fraudulently access the Service or other users’ accounts; disrupt its operation (malicious software); circumvent the validation of Commitments or the charging of Fines; extract or reuse content without authorisation; use the Service for unlawful purposes. Any breach may result in suspension or termination.

Article 10 — Availability, maintenance and changes

Best-efforts obligation as regards availability. Interruptions are possible for maintenance. The Publisher may make changes to the Service. The Publisher is not liable for events outside its control (network, the User’s equipment, etc.).

Article 11 — Intellectual property

All elements of the Service (the “Make It or Pay” trademark, logo, texts, interfaces, software, databases) are the exclusive property of the Publisher. The User is granted a personal, non-exclusive, non-transferable right of use. Content created by the User remains the User’s property, subject to a licence granted to the Publisher for the purpose of providing the Service.

Article 12 — Suspension and termination

12.1. By the User: at any time, free of charge. Fines incurred before the effective date remain due.

12.2. By the Publisher: in the event of a breach of these Terms, fraudulent information, an unresolved failed charge, unlawful use, or a legal requirement.

12.3. Except in cases of urgency or serious breach, notice or a formal demand precedes termination.

12.4. Termination results in loss of access; amounts due remain payable.

Article 13 — Liability and warranties

Best-efforts obligation; the Service is a motivational tool, with no guarantee that goals will be achieved. Indirect damages are excluded, as are the consequences of misuse, failure to meet Commitments, a failure of the Payment Method, or force majeure. The consumer’s statutory warranties (in particular Art. L.224-25-1 et seq. of the French Consumer Code) remain unaffected.

Article 14 — Personal data

Processing in compliance with the GDPR and the French Data Protection Act (loi Informatique et Libertés); see the Privacy Policy. Card data is processed by Stripe; the Publisher does not store card numbers.

Article 15 — Changes to the Terms

The Publisher may amend these Terms; Users will be informed in advance of any substantial change; continued use constitutes acceptance.

Article 16 — Governing law, complaints and mediation

16.1. French law applies (without depriving the consumer of the mandatory provisions of their country of residence within the EU).

16.2. Complaints: contact@makeitorpay.com.

16.3. Consumer mediation (Art. L.611-1 et seq. of the French Consumer Code): Victor Magaud — contact@makeitorpay.com (designation of a certified consumer mediator in progress).

16.4. European Commission Online Dispute Resolution (ODR) platform: https://ec.europa.eu/consumers/odr.

16.5. Failing amicable resolution, and subject to the mandatory provisions protecting consumers, the Judicial Court (Tribunal judiciaire) of Angoulême has exclusive jurisdiction over any dispute relating to the Service.

Article 17 — Miscellaneous

Entire agreement; partial invalidity does not affect the remainder; no waiver; the Publisher may assign the agreement; the French language version prevails.