1. Agreement to these terms
These Terms of Service (the "Terms") are a legal agreement between you and [Company Legal Name] ("SkipToFriday," "we," "us," or "our"). They cover your use of the SkipToFriday website, mobile app, and related services (together, the "Services").
By creating an account or using the Services, you agree to these Terms, our Privacy Policy, and, if you become a member, our Membership Agreement. If you don't agree, don't use the Services.
2. Who we are
SkipToFriday is a financial technology company, not a bank. Banking services and the funds used for advances are provided by [Funding / Bank Partner]. Our mailing address is [Address].
3. Who can use SkipToFriday
To use the Services, you must:
- be at least 18 years old (or the age of majority where you live);
- be a resident of a U.S. state where the Services are offered;
- have a valid email address and U.S. mobile number;
- have a personal checking account in your own name at a U.S. financial institution; and
- give us true, current, and complete information, and keep it up to date.
Meeting these requirements doesn't guarantee you'll be offered an advance. See Advances below.
4. Your account
You're responsible for keeping your login details private and for everything that happens under your account. Tell us right away at support@skiptofriday.com if you think someone has accessed your account without permission.
You may have only one account. We may ask you to verify your identity, and we may decline to open or may close an account if we can't verify it.
5. Linking your bank account
We connect to your checking account through [Bank-link provider], a third-party service. When you link your account, you authorize us and [Bank-link provider] to access information such as your balance, deposits, and transactions so we can determine eligibility, set your advance limit, deliver advances, and collect payments.
We never see or store your online banking password. [Bank-link provider]'s handling of your information is also governed by its own terms and privacy policy.
6. Membership and fees
SkipToFriday is offered through our iPhone and Android app. Advances are available to members. Membership costs $7.99 per month. Standard delivery of an advance is free. Optional Express delivery costs $4.99 per advance.
We don't charge interest, late fees, or tips. Every fee we charge is listed on our Fee schedule. If a fee isn't listed there, we don't charge it. The full membership terms are in the Membership Agreement.
7. App Store and Google Play billing
Your membership is an auto-renewing monthly subscription billed by Apple (App Store) or Google (Google Play), not by us. It's charged whether or not you take an advance, and it renews every month until you cancel in your Apple ID or Google Play subscription settings at least 24 hours before it renews. Deleting the app doesn't cancel it.
Advance eligibility is reviewed after you subscribe and isn't guaranteed. Your subscription isn't refunded if you're declined for an advance. Refunds are handled by Apple or Google under their policies. See Billing, review, and refunds for details.
8. Advances
Members may request an advance on income they expect to receive. Whether you qualify, and how much you can get, is based on your linked account activity, such as recurring direct deposits and account history. We don't pull a credit report to determine eligibility.
- Not every member qualifies, and amounts shown on our website are examples. Your limit may be lower than the maximum and may change over time.
- You can have only one advance outstanding at a time.
- Each advance, plus any Express fee you chose for it, is repaid automatically from your linked account on your next scheduled payday. You can repay early at any time.
- Standard delivery usually takes 1–3 business days. Express timing depends on your bank and isn't guaranteed.
9. Payment authorization
When you take an advance, you authorize us and [Funding / Bank Partner] to electronically debit your linked account for the amount of the advance on its repayment date, plus any Express fee you chose. Your membership fee is billed by Apple or Google, not debited from your bank account. You'll agree to the full authorization in the Membership Agreement when you sign up.
If a debit fails, we may try again as permitted by the rules of the ACH network. We don't charge a fee when a debit fails, but your bank might. You won't be able to take a new advance until any outstanding advance is repaid.
10. Canceling and closing your account
You can cancel your membership any time in your Apple ID or Google Play subscription settings (the app's Profile tab links there). Cancellation takes effect at the end of your current billing period. If you need help, email support@skiptofriday.com. Any outstanding advance still needs to be repaid.
We may suspend or close your account if you break these Terms, if we suspect fraud or misuse, if required by law, or if we stop offering the Services where you live. We'll tell you if we do, unless the law doesn't allow it.
11. Electronic communications
You agree that we can provide agreements, disclosures, notices, and other communications to you electronically, by email, in the app, or on our website, and that these satisfy any legal requirement that they be in writing. You can get a paper copy of any of them by emailing support@skiptofriday.com.
By giving us your mobile number, you agree that we may text you about your account, such as repayment reminders and security codes. Message and data rates may apply. Reply STOP to stop non-essential texts.
12. Acceptable use
You agree not to:
- give false information or open an account for someone else;
- use the Services for anything illegal or fraudulent;
- link a bank account that isn't yours;
- try to get around eligibility limits or take more than one advance at a time;
- interfere with, copy, reverse-engineer, or attempt to gain unauthorized access to the Services.
13. Our content
The SkipToFriday name, logo, website, app, and content belong to [Company Legal Name] and are protected by law. We give you a personal, non-transferable right to use the Services as these Terms allow. Nothing else is licensed to you.
14. Disclaimers
We work hard to keep the Services available and accurate, but they are provided "as is" and "as available." To the extent the law allows, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We don't promise the Services will be uninterrupted or error-free, or that any particular advance amount or delivery time will be available.
15. Limitation of liability
To the extent the law allows, [Company Legal Name] won't be liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits or data, arising from your use of the Services. Our total liability for any claim relating to the Services is limited to the greater of the fees you paid us in the 12 months before the claim arose or $100.
Some states don't allow these limits, so they may not apply to you. Nothing in these Terms limits rights you have under laws that can't be waived.
16. Disputes and governing law
If you have a problem, please contact us first at support@skiptofriday.com. Most issues can be resolved quickly that way. If we can't resolve a dispute informally within 30 days, either of us may pursue it as the law allows, including in small claims court.
These Terms are governed by federal law and the laws of the State of Missouri, without regard to conflict-of-laws rules.
17. Changes to these terms
We may update these Terms from time to time. If we make a material change, we'll notify you by email or in the app before it takes effect. If you keep using the Services after the change takes effect, you accept the updated Terms. If you don't agree, you can cancel your membership.
18. Contact us
Questions about these Terms? Email support@skiptofriday.com or write to [Company Legal Name], [Address].