Membership Agreement - SkipToFriday

1. About this agreement

This Membership Agreement is between you and [Company Legal Name] ("SkipToFriday," "we," or "us"). It explains how your membership, advances, and payments work. It's part of our Terms of Service, which also apply. You accept this agreement when you check the box and subscribe in the app.

2. Your membership

Price: $7.99 per month.
Where you sign up: in the SkipToFriday app for iPhone or Android.
Charged whether or not you take an advance: the membership fee is for access to advances and account features, not for any particular advance.
What's included: access to advances, free Standard delivery, low-balance alerts and account insights.
Price changes: we'll give you at least 30 days' notice before changing the membership fee, and Apple or Google may ask you to confirm a price increase. You can cancel before it takes effect.

3. Billing, review, and refunds

Your membership is an auto-renewing subscription billed by Apple (App Store) or Google Play, not by us. The price is shown before you subscribe, and your first month is charged when you subscribe.
It renews every month until you cancel in your Apple ID or Google account subscription settings, at least 24 hours before it renews. Deleting the app doesn't cancel it.
Low-balance alerts and account insights start right away. We review your linked account for advance eligibility within 2 business days and email you when we do. Cash advances aren't guaranteed.
Your subscription isn't refunded if you're declined for an advance, and it keeps renewing until you cancel; you keep the alerts and insights while subscribed.
Refunds for app subscriptions are handled by Apple or Google under their policies. If we don't review your application within 2 business days, you can request a refund from them and we'll email you how. We won't dispute it.
Advances you take are still sent to and repaid from your linked checking account as described below.

4. Advances

Eligibility: after you link your checking account, we review your deposit history and account activity to decide whether you qualify and set your limit. Limits range up to $250, may be lower, and may change over time. Not every member qualifies.
One at a time: you can have one advance outstanding at a time.
No interest, no late fees: we never charge interest or late fees on an advance.
Funding: advances are funded by [Funding / Bank Partner].

5. Delivery options

Standard delivery is free and usually arrives in 1–3 business days.
Express delivery costs $4.99 per advance and usually arrives faster. Express timing depends on your bank and isn't guaranteed. The fee is added to that advance's repayment amount.
You choose Standard or Express each time you request an advance. Express is never required.

Because the Express fee is charged for faster delivery of an advance, it can be expressed as an annual percentage rate (APR). For example, the $4.99 Express fee on a $100 advance repaid in 14 days equals an APR of about 130%. See our Fee schedule for more examples. Standard delivery has no fee.

6. Repayment

Each advance, plus any Express fee you chose for it, is repaid automatically from your linked account on your next scheduled payday, as shown before you confirm the advance.
We'll remind you before the repayment date.
You can repay early at any time in the app, at no cost.
If your payday changes or you won't have enough money on the repayment date, contact us at support@skiptofriday.com before that date and we'll work with you on a new date.
If a repayment debit fails, we may try again as permitted by ACH network rules. We don't charge a fee for a failed debit, but your bank may. You can't take a new advance until the outstanding one is repaid.

7. Authorization for electronic debits

By requesting an advance, you authorize [Company Legal Name] and [Funding / Bank Partner] to initiate electronic debits (ACH) from the checking account you linked, and, if necessary, credits to correct errors, for:

the amount of each advance you request, on its scheduled repayment date; and
the $4.99 Express fee, only on advances where you chose Express, on that advance's repayment date.

Your membership fee is billed by Apple or Google, not debited under this authorization. If a scheduled date falls on a weekend or bank holiday, the debit may be made on the next business day. If a debit is returned, we may re-present it as permitted by ACH network rules.

How to revoke this authorization: email support@skiptofriday.com. Please let us know at least 3 business days before the next scheduled debit so we have time to act on it. Revoking your authorization doesn't cancel any amount you already owe for an outstanding advance; we'll work with you on another way to repay it.

This authorization stays in effect until you revoke it as described above. You should keep a copy of this agreement for your records.

8. Canceling your membership

Cancel any time in your Apple ID or Google Play subscription settings. The app's Profile tab links there. If you need help, email support@skiptofriday.com.
Cancellation takes effect at the end of your current billing period, and you won't be charged again after that.
Refunds for unused time are handled by Apple or Google under their policies.
Any outstanding advance still needs to be repaid. Canceling doesn't change its repayment date.

9. Errors and questions about debits

If you think we debited the wrong amount, debited you more than once, or debited you without authorization, email support@skiptofriday.com right away. Tell us your name, the date and amount of the debit, and why you think it's wrong. We'll look into it and correct any error promptly. You may also have rights to dispute an unauthorized debit with your bank.

10. State disclosures

Additional disclosures may apply depending on the state where you live. Where required, we'll provide them when you sign up and post them here.

11. Contact us

Questions about your membership? Email support@skiptofriday.com or write to [Company Legal Name], [Address].