Terms & Conditions

Last updated 18 August 2026

Agreement between you and Realty Investments SRL ("QuitBank", "we", "us"). By replying YES to our welcome message, you agree to these Terms and to our Privacy Policy.

1. What QuitBank is

QuitBank is a subscription companionship service delivered through WhatsApp. It records the completed days you report toward a goal you choose, keeps a motivational score at a daily amount you set, and provides AI-generated motivational replies. You choose one habit privately; QuitBank never asks what it is. The replies are written by an AI system — you are talking to an AI, not a human. QuitBank is not a medical, therapy, or crisis service, and it does not monitor your messages for emergencies.

2. Who can use it (eligibility)

You must be 18 or older to use QuitBank. By using it you confirm you are an adult. QuitBank is currently offered in the United Kingdom.

3. Talking to a human

You can reach a person any time — email support@quitbank.net. We also show this option inside the chat.

4. Your subscription, price, and billing

QuitBank costs €7 per month, or €80 per year (prices are VAT-inclusive for consumers, where VAT applies). Your subscription renews automatically (monthly or annually, matching the plan you chose) until you cancel. Business customers can enter a valid VAT ID at checkout for a reverse-charge invoice. We show the price and the payment link before you pay; payment is handled securely by Stripe — we never see or store your full card number.

5. Cancelling

You can cancel any time: reply CANCEL in the chat and we send you a link to Stripe's billing portal to end your subscription. Cancelling stops future charges. The money already in your jar stays yours. To stop all messages, reply STOP.

6. Your 14-day money-back guarantee (everywhere)

Wherever you live, you can change your mind within 14 days of subscribing — no reason needed. Email support@quitbank.net from any address, or message us in the chat with the phone number your jar lives on, and we refund your first payment to your original payment method, normally within 14 days of your request.

This voluntary guarantee meets or exceeds your statutory rights:

• EU consumers have a 14-day right of withdrawal from a distance service contract (Directive 2011/83/EU; in Romania, OUG 34/2014). Because you ask us to start immediately, the law would let us keep a proportionate amount for the days already provided — under this guarantee we waive that deduction on your first payment.
• UK consumers have the same 14-day cancellation right (Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013).

Nothing in these Terms reduces the mandatory consumer protections of your home country — our choice of Romanian law notwithstanding (Regulation (EC) No 593/2008, "Rome I", Art. 6). Because we grant the 14-day standard to everyone, that mandatory layer never gives you less than we already offer.

After 14 days. Monthly and annual plans can be cancelled any time (reply CANCEL); cancellation stops future charges and your plan runs to the end of the paid period. If the service materially fails to work as described, your statutory remedies always apply — for digital services under EU and UK law we put it right, reduce the price, or refund (Directive (EU) 2019/770; UK Consumer Rights Act 2015) — and nothing here limits them.

To exercise the right you can use the model withdrawal form at Annex A — but you don't have to; any clear statement is enough.

6.1 If you paid but never started

If you subscribe but never name a jar within 7 days of paying, contact us (or just reply to any message) and we refund your payment in full, no questions asked.

Our full, no-reason money-back guarantee applies once per person, on your first-ever QuitBank subscription. On any later subscription your statutory 14-day right still applies, with the proportionate deduction the law allows. Your legal rights are never reduced by this.

6.2 Your options at a glance

You want to…	Do this	What happens
Pause check-ins	Message STOP	Everything freezes; your jar is untouched; message RESUME anytime
Stop paying	Message CANCEL	We send a Stripe billing-portal link; billing stops; your jar record is kept
Get a refund (first 14 days)	Email support@quitbank.net or tell us in chat	Full refund of your first payment, no reason needed, normally within 14 days
Get a copy of your data	Email support@quitbank.net	A machine-readable export (GDPR Art. 15/20)
Delete your data	Email support@quitbank.net	We sever your identity (GDPR Art. 17); invoices are kept only as long as tax law requires
Talk to a human	Email support@quitbank.net	A person replies — we aim for one working day
Make a complaint	Contact us first; then ANPC/SAL (reclamatiisal.anpc.ro) or your local consumer authority; for data, ANSPDCP (Romania) or the ICO (UK)	Independent routes always stay open

7. Acceptable use

Please use QuitBank lawfully and respectfully. Do not use it to harass, defraud, or send unlawful, hateful, or harmful content, and do not try to interfere with or scrape the service. We may suspend or end access if these Terms are broken.

8. Safety — not an emergency or crisis service

QuitBank cannot help in an emergency and does not connect to emergency services. If you or someone else is in danger, call your local emergency number. For crisis support lines in your country, see quitbank.net/safety.

9. What we guarantee — and what we don't

What we promise: the service described in §1, provided with reasonable care and skill; the privacy promises in our Privacy Policy (including that we never ask what your habit is, and that your messages are not used to train AI); the 14-day money-back guarantee in §6; and honest math — your jar shows exactly the fixed daily amounts you scored by checking in, and nothing more.

What we do NOT guarantee — and what is solely your responsibility:

1. The money itself. Your jar is a motivational record, not real money. QuitBank does not receive, hold, safeguard, invest, transfer, or owe you the amounts shown, and provides no bank account, deposit, custody, vault, safe, e-money, payment, investment, or insurance service of any kind. Setting the real money aside — in your own bank account, a savings product, a safety deposit box, a physical jar, an envelope, or anywhere else you choose — is solely your action and your responsibility. Jar figures have no monetary value and are not redeemable, withdrawable, or transferable. If you never move real money, the jar is still true as a record of days — but no money exists unless you put it somewhere.
2. The habit. No guarantee you will change or leave any habit — outcomes depend on you. That work is yours; QuitBank is companionship, not a cure.
3. Health & safety. QuitBank is not a medical, therapeutic, or crisis service and does not monitor for emergencies (§8). Whether changing or leaving any habit is safe for you is a decision for you and your doctor.
4. Truthful check-ins. Check-ins are self-reported; we cannot and do not verify completed days. Your streak and jar reflect only what you tell us.
5. The AI. Replies are AI-generated motivational conversation. They can be imperfect, generic, or wrong — do not rely on them as professional advice of any kind (medical, financial, legal, or psychological).
6. Score estimates. Figures such as “at a chosen score of €6 per completed day, a full month records about €180” are illustrative motivational scores, not money held by us; we make no representation about your actual spending or savings.
7. Your phone and account. Your WhatsApp number is your account. Keeping your device, SIM, and WhatsApp secure — and controlling who can read your chats — is solely your responsibility. Anyone with access to your WhatsApp can see your jar and message as you.
8. The platform. WhatsApp belongs to Meta; delivery, availability, and timing depend on Meta, your mobile carrier, your device, and your internet connection, all outside our control.
9. Helpline information. Crisis numbers on our safety page are verified on a dated schedule but are operated by third parties whose hours and availability can change; in an emergency always use your local emergency number.
10. The Sky Cup. A hand-made earned reward, not a purchased product: subject to availability, artisanal variation (each is deliberately unique), shipping feasibility to your country, and reasonable replacement at our discretion if it arrives broken. It has symbolic, not monetary, value.
11. Third-party costs. Your mobile data and messaging rates, any currency-conversion or card fees your bank charges, and taxes beyond those we collect are yours.
12. Decisions based on the jar figure. Any financial decision you make on the assumption that the jar is real money is yours alone (see item 1).

10. Our responsibility and its limits

We provide QuitBank with reasonable care and skill. Nothing in these Terms limits any liability that cannot lawfully be limited — including liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for your mandatory consumer rights. Subject to that, and to the fullest extent permitted by law, our total liability to you under or in connection with these Terms is limited to the amount you paid us in the 12 months before the event giving rise to the claim, and we are not liable for loss or damage that was not reasonably foreseeable or that arises from matters outside our reasonable control.

11. Changes to these Terms or the price

We may update these Terms or the price. We will tell you in advance where the law requires, and you can cancel before a change takes effect.

12. Governing law and disputes

These Terms are governed by the laws of Romania. If you are a consumer, you still benefit from the mandatory protections of your home country. If we cannot resolve a complaint directly, you may refer it to Romania's consumer-protection authority ANPC and its alternative dispute resolution (SAL) platform at reclamatiisal.anpc.ro.

13. Contact

Questions: support@quitbank.net · Realty Investments SRL, CUI RO785167, Str. Arad nr. 42, Sibiu, 550131, Sibiu County, Romania.

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Annex A — Model withdrawal form

(Complete and return this form only if you wish to withdraw from the contract. You do not have to use it — any clear statement will do.)