Terms of Use
Effective October 5, 2026
You Paid is operated by 850 Lifestyle LLC and is intended to be offered under the You Paid trade name. This website is currently for product information, community-building, market validation, and waitlist registration.
Eligibility
The prelaunch waitlist is intended for U.S. adults age 18 and older. By using the site, you represent that the information you submit is accurate and that you have authority to submit it.
No account is opened
Joining the waitlist, viewing a prototype, or receiving an email from You Paid does not open an account, extend credit, create a tradeline, establish a lender-borrower relationship, or require 850 Lifestyle LLC to launch any particular feature.
No guaranteed outcome
You Paid does not guarantee that any future product will be accepted by any consumer reporting agency, treated in any particular way by a scoring model, improve a credit score, result in credit approval, or launch on a particular date.
Permitted use
You may use the site for lawful personal evaluation of the You Paid concept. You may not interfere with the site, attempt to access nonpublic systems, submit automated or deceptive entries, or use the site to violate another person's rights.
Intellectual property
The You Paid name, site design, original copy, product concepts, and other original materials are owned by or licensed to 850 Lifestyle LLC and may not be copied or commercially reused without permission, except as permitted by law.
Third-party services
The site relies on third-party infrastructure and may link to third-party services. We are not responsible for the availability, security, or practices of third parties.
Changes and availability
We may modify, suspend, or discontinue the prelaunch site, waitlist, product concepts, pricing tests, rewards concepts, or features at any time.
Disclaimers
The prelaunch site is provided on an “as is” and “as available” basis to the extent permitted by law. Nothing on this site is legal, tax, investment, lending, or individualized credit advice.
Limitation of liability
To the fullest extent permitted by applicable law, 850 Lifestyle LLC will not be liable for indirect, incidental, special, consequential, or punitive damages arising from use of this prelaunch site. Any liability that cannot lawfully be excluded remains subject to applicable law.
Changes to these terms
We may update these terms as the product develops. Continued use after an update means you accept the revised terms to the extent permitted by law.
Contact
Questions about these terms may be sent to hello@joinyoupaid.com.