Terms of Service

TheSkimm

TERMS OF SERVICE

Last Revised: July, 2023

The following terms and conditions (the “Terms of Service” or “Agreement”) constitute an agreement between you, whether as a casual visitor or a registered user (“User”, “you” or “your”) and theSkimm, Inc. and its affiliates, successors and assigns (“theSkimm”, “us”, “our” or “we”) regarding your use of theSkimm Site, App and/or Services (all as defined below). theSkimm is the owner and operator of the www.theskimm.com website and our blog at blog.theskimm.com (collectively, the “Site”), theSkimm Mobile Application (the “App”), theSkimm daily newsletter, email notifications or any related applications provided by us (collectively, the “Services”), and all content and features contained in the foregoing. 

BY ACCESSING THE SITE, ACCESSING OR UTILIZING THE APP, OR UTILIZING ANY OF THE SERVICES AND/OR REGISTERING WITH US, YOU SIGNIFY THAT YOU HAVE READ, UNDERSTOOD AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE INCLUDING OUR PRIVACY POLICY, WHICH IS INCORPORATED HEREIN BY REFERENCE. 

THE SECTIONS BELOW TITLED “BINDING ARBITRATION” AND “CLASS ACTION WAIVER” CONTAIN A BINDING ARBITRATION AGREEMENT AND CLASS ACTION WAIVER. THEY AFFECT YOUR LEGAL RIGHTS. PLEASE READ THEM.  

Modifications to the Terms of Service

theSkimm, in its sole and absolute discretion, may make changes or modifications to the Site, the App, the Services or to this Agreement (including any policies or agreements which are incorporated by reference herein) at any time and without prior notice to you, and such changes or modifications shall be effective immediately upon posting to this Site. You acknowledge and agree that (i) theSkimm may notify you of such changes or modifications by posting them to this Site and (ii) your use of this Site, the App or the Services after such changes or modifications have been made (as indicated by the “Last Revised” date at the top of this page) shall constitute your acceptance of this Agreement as last revised. In addition, theSkimm may occasionally notify you of upcoming changes or modifications to this Agreement by email. We therefore recommend that you keep the information in your Account (defined below) including, but not limited to, your email address, current. 

Eligibility

This Site, the App, and the Services are available only to Users who can form legally binding contracts under applicable law. By using this Site, the App or the Services, you represent and warrant that you are at least eighteen (18) years of age.

If you are visiting this Site or the App from a country other than the country in which our servers are located, your communications with us may result in the transfer of information (including your registration or Personal information, as described below) across international boundaries. By visiting this Site or the App and communicating electronically with us, you consent to such transfers. 

Your Use of the Site, the App, and the Services

theSkimm’s community, like any community, functions best when its Users follow a few simple rules. By accessing and/or using the Site, the App or any Services, you agree to comply with these community guidelines (the “Community Guidelines”) and that: Your use of the Site, the App and the Services including any content you submit, will comply with this Agreement and all applicable local, state, national and international laws, rules and regulations; you will not impersonate another User or entity or falsely state or otherwise misrepresent your affiliation with a person or entity, nor will you collect or harvest (or permit anyone else to collect or harvest) any User Content (as defined below) or any non-public or personally identifiable information about another User or any other person or entity without their express prior written consent; you will not use this Site, the App or the Services in a manner (as determined by theSkimm in its sole and absolute discretion) that is illegal, infringing, defamatory, harassing, or abusive, that violates the privacy or publicity rights of another User or any other third party, or that is otherwise objectionable; you will not use this Site, the App or the Services for hate speech, hate crimes or violence; you will not use this Site, the App or the Services to send spam or other unsolicited bulk email, for computer or network hacking or cracking, or to transmit any viruses, worms, bugs, Trojan horses or other code, files or programs designed to, or capable of, disrupting, damaging or limiting the functionality or security of the Site, the App or the Services; you will not copy or distribute in any medium any part of the Site, the App or the Services, except where expressly authorized by theSkimm; you will not access theSkimm Content or User Content (as those terms are defined below) through any technology or means other than through this Site or App themselves, or as theSkimm may designate; you will not use this Site, the App or the Services, including any of theSkimm’s related technologies, for any commercial use without theSkimm’s express prior written consent; and you will not take any action that imposes or may impose (in our sole discretion) an unreasonable or disproportionately large load on our technical infrastructure.

Loyalty Program

theSkimm’s loyalty program (the “Loyalty Program”) will terminate as of January 18, 2023.  If you are a member in our Loyalty Program (a “Member”), you shall be able to continue to earn points (“Points”) under the Loyalty Program through 11:59pm ET on January 4, 2023, and you shall be entitled to redeem such Points for Rewards (as defined below) through 11:59pm ET on January 18, 2023 (the “Final Redemption Date”).  After the Final Redemption Date, any unused Points will no longer be redeemable. Please check out our FAQ page for more information about the termination of our Loyalty Program, or feel free to email us at help@theskimm.com.

Earning Points in the Loyalty Program

Prior to termination of the Loyalty Program, each time a Member engages with certain content through our Services, the Member will earn Points.  Points can then be redeemed for certain perks and rewards, as further described below.  To earn Points, you must be logged into your Member account on our Loyalty Program platform.  As you engage with certain content through our Services, including, without limitation, reading articles on our Site and App, and interacting with our social media, you will earn Points for each qualified activity (each, a “Qualified Activity”).  A list of Qualifying Activities, and the number of Points that you can earn for engaging in each such Qualifying Activity, can be found here, and may be modified by theSkimm from time to time without notice.  

The number of Points for each Qualified Activity may vary depending on time spent engaging with such Qualified Activity or other factors, as determined by theSkimm in its sole discretion.  In addition, we may place limitations on how often and/or how many total Points you can earn by completing any Qualified Activity.  All such limitations will be set forth on the Loyalty Program platform.

Once you become a Member of the Loyalty Program, if you do not log into your account on the Loyalty Program platform for a period of six (6) consecutive months, your unused, unredeemed Points will automatically expire and your Point balance will be reset to zero. theSkimm may, in our discretion, send you periodic notifications to remind you that your Points may expire due to inactivity. However, it is your responsibility to monitor your Member account and Points balance.  You may view your Point balance any time on the Loyalty Program platform.  theSkimm’s determination of the number of Points each Member has accumulated is final and binding. 

Membership Tiers

Our Loyalty Program has three tiers of membership: Teal, Teal+, and Teal Pro.

When you become a Member of the Loyalty Program, you are automatically given Teal tier status.  As you earn more Points, you can rise to the second tier (Teal+) and then to our top tier level (Teal Pro).  The Points required to obtain each tier status are set forth below:

Membership Tier

Points Earned per rolling 24-month period

Teal 0 – 3,499

Teal+ 3,500 – 6,999

Teal Pro 7,000 or more

Your tier takes into account the total number of Points you’ve earned over a rolling 24-month period, even if you have already redeemed some of those Points for Rewards (defined below).  Notwithstanding the foregoing, your tier status may expire if you fail to maintain the number of Points required for such tier during any rolling 24-month period.  By way of example only, once you have reached Teal+ status, you will be required to earn an additional 3,500 Points (at minimum) over the following 24 months in order to maintain Teal+ status.  If you fail to earn such additional 3,500 Points, then at the end of such 24-month period, you will be dropped down to Teal status.

By achieving a higher membership tier, you gain access to additional Rewards and other perks.

Redeeming Your Points for Rewards

Once you earn enough Points, you can redeem them for various perks and rewards such as access to special content or events, merchandise, and other benefits (collectively, “Rewards”), offered on our Loyalty Program Platform.  To redeem your Points for Rewards, you must follow the instructions on the Loyalty Program Platform.  All Point redemption transactions are final and cannot be canceled, reversed, or refunded under any circumstances.  

Rewards must be accepted as awarded and no substitutions are permitted. Neither Points nor Rewards are redeemable for cash. Rewards are subject to availability, on a first-come first-served basis.  In the event of unavailability of a Reward or any part thereof, theSkimm may substitute an alternative prize of equal or greater value in our sole discretion. Certain additional terms and conditions may apply to Rewards, as set forth on the Loyalty Program Platform.  

Rewards will be mailed to the mailing address provided at checkout or emailed to the email address associated with your Member account, as applicable. You are responsible for keeping your Member account information up to date. Rewards cannot be shipped to destinations outside of the United States. Rewards that can be delivered electronically will be delivered in approximately 48 hours from the date of redemption.  theSkimm is not liable to you for any delays or damages that occur in connection with shipping the Rewards to you.

ALL REWARDS ARE BE PROVIDED BY THESKIMM ON AN “AS IS” BASIS. THESKIMM DOES NOT MAKE, AND EXPRESSLY DISCLAIMS, ANY WARRANTY, WHETHER EXPRESS, IMPLIED OR STATUTORY, REGARDING THE REWARDS, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED OR STATUTORY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NON-INFRINGEMENT.

By participating in the Loyalty Program or redeeming Points for any Rewards, you agree to release, indemnify, defend and hold harmless theSkimm and its affiliates, related companies, licensees, assigns, promotional partners and our and their respective officers, directors, managers, members, employees, agents, successors, licensees and assigns of each of the foregoing from and against any and all liability whatsoever for any loss, harm, damage, injury, cause of action, claim, cost or expense (including, without limitation, any property damage, personal injury and/or death) arising out of or in connection with your participation in the Loyalty Program, including, without limitation, acceptance, use or misuse of any Reward.

All federal, state and local taxes associated with your redemption of Points and receipt of Rewards are solely your responsibility. In some cases, Points may be used to benefit theSkimm’s various charitable endeavors and causes, however, use of your Points for such causes is not tax deductible. All decisions with respect to how Points will be allocated to and used for such charitable causes will be determined by theSkimm in our sole and absolute discretion.  Consult with your tax professional regarding potential tax implications related to Rewards.

General Terms of the Loyalty Program

theSkimm is not responsible for any problems or technical malfunction of any telephone network or lines, computer online systems, servers or providers, computer equipment, software, failure of any email or servers on account of technical problems or traffic congestion on the Internet or any website, or any combination thereof, or any incomplete Qualified Activity, or lost, late, delayed, or misdirected Points. theSkimm is not responsible for any typographical or other error in the administration of the Loyalty Program including the description of Rewards or number of Points required to earn a Reward.  theSkimm reserves the right in our sole and absolute discretion to cancel, terminate, modify or suspend the Loyalty Program for any reason or no reason.  VOID WHERE PROHIBITED BY LAW.

For questions about the Loyalty Program or issues related to your Member account, please contact theSkimm at loyalty@theskimm.com.

Referral Links and Termination of the Skimm’bassador Program

theSkimm’s brand ambassador program, or the “Skimm’bassador Program,” was terminated as of November 18, 2021. Skimm’bassador referral links (“Referral Links”) were rendered temporarily inactive and non-functional on November 18, 2021.  No benefits may be earned by or awarded to Skimm’bassadors after the effective date of termination of the Skimm’bassador Program, except to the extent that any benefits earned but not awarded prior to November 18, 2021 shall be awarded such benefits within a reasonable time following such date.  theSkimm owes no further obligation to Skimm’bassadors after November 18, 2021, without limitation.  If you were previously a Skimm’bassador, you are still required to register as a Member on our Loyalty Program Platform in order to participate in our Loyalty Program.  For additional information on the termination of the Skimm’bassador program, you may contact skimmbassador@theskimm.com. 

Notwithstanding the foregoing, if you were previously a Skimm’bassador, your Referral Link will be reactivated as of March 1, 2022, and use of your Referral Link after such date will earn you Points under our Loyalty Program (50 Points per new user who subscribes to theSkimm using your Referral Link).  While any prior credits using your Referral Link under the Skimm’bassador Program will not be transferred to your account in our Loyalty Program, we will issue automatic bonus points to Skimm’bassadors in acknowledgement of historical referrals.  You will not be issued a new Referral Link if you were previously a participant in the Skimm’bassador Program, so please keep track of your Referral Link as it will be reactivated on March 1, 2022.

Downloading the App from the Apple App Store

The following terms apply to the App when accessed through or downloaded from the Apple App Store where the App may now or in the future be made available. You acknowledge and agree that:

These Terms of Use are between you and theSkimm, and not with Apple, and theSkimm (not Apple), is solely responsible for the App.

The App Provider has no obligation to furnish any maintenance and support services with respect to the App.

In the event of any failure of the App to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price for the App to you (if applicable) and, to the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the App. Any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty will be the sole responsibility of theSkimm.

Apple is not responsible for addressing any claims you have or any claims of any third party relating to the App or your possession and use of the App, including, but not limited to: (i) product liability claims; (ii) any claim that the App fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection or similar legislation.

In the event of any third party claim that the App or your possession and use of that App infringes that third party’s intellectual property rights, theSkimm will be solely responsible for the investigation, defense, settlement and discharge of any such intellectual property infringement claim to the extent required by this Agreement.

Apple and its affiliates are third-party beneficiaries of this Agreement as related to your license to the App, and that, upon your acceptance of this Agreement, Apple will have the right (and will be deemed to have accepted the right) to enforce this Agreement as related to your license of the App against you as a third-party beneficiary thereof.

You represent and warrant that (i) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a terrorist-supporting country; (ii) you are not listed on any U.S. Government list of prohibited or restricted parties; (iii) you are not an individual, or associated with an entity, designated under the UK’s Terrorist Asset-Freezing etc. Act 2010 (TAFA 2010); and (iv) you are not otherwise subject to or affected in any way by any national security or terrorism related rules whether applicable to you personally or to your location or other circumstances.

You must also comply with all applicable third party terms of service when using the App.

Sign-in Name; Password, Unique Identifiers 

You may be asked to register in order to use the App or certain Services including, but not limited to, theSkimm’s daily newsletter. If required to register to use the App or one of our Services, you must create an account, including a sign-in name (“Sign-In Name”), a password (“Password”), and perhaps certain additional information that will assist in authenticating your identity when you log-in in the future (“Unique Identifiers”) (“Account”). When creating your Account, you agree to provide accurate, current and complete information about yourself and to promptly update this information to maintain its accuracy. Each Sign-In Name and corresponding Password can be used by only one user. You are solely responsible for the confidentiality and use of any information you provide, as well as for any use, misuse, or communications entered through the Site, the App or the Services using such information. You will promptly inform us of any need to deactivate a Password or Sign-In Name, or change any Unique Identifier. theSkimm will not be liable for any loss or damage caused by any unauthorized use of your registration information. theSkimm has the right to delete, change, suspend or terminate your registration, your Sign-In Name and Password, and/or this Agreement in our sole discretion at any time and for any reason, and to refuse any and all current or future use of the App or the Services if it suspects that such information is inaccurate or incomplete.  

Beta Features 

From time to time, theSkimm may invite you to try pre-release services, products, features, or functionalities that are made available to you to use and evaluate (“Beta Features”). You may accept or decline any such trial in your sole discretion. An important part of this beta process is getting real-world testing of the Beta Features before a general release. If you agree to participate in a beta trial, the following additional terms and conditions will apply: - You acknowledge that Beta Features are for evaluation purposes only and not for production use, are not considered part of the Services under this Agreement, are not supported, are provided “AS IS” with no warranties of any kind, and may be subject to additional terms. -Unless otherwise stated, any Beta Feature trial period will expire upon the date that a version of the Beta Feature becomes generally available or we elect to discontinue such Beta Feature. - We may discontinue Beta Features at any time in our sole discretion and may never make them generally available. - WE WILL HAVE NO LIABILITY FOR ANY HARM OR DAMAGE ARISING OUT OF OR IN CONNECTION WITH A BETA FEATURE, AND YOU USE ANY BETA FEATURE AT YOUR OWN RISK. - You agree that we shall be free to use, reproduce, disclose, and otherwise exploit any and all such Feedback without compensation or attribution to you.

Parental Leave Database 

theSkimm provides a unique database on our Site setting forth the parental leave policies in place at a number of large-scale employers (the “Parental Leave Database”).  We have aggregated these policies from such employers with permission, however, theSkimm has not verified the accuracy, currentness, or completeness of these policies and makes no representations or warranties about the policies or the Parental Leave Database.  You may use the Parental Leave Database solely for your own internal, non-commercial purposes, as further explained in the next paragraph.

Intellectual Property 

The content on this Site, the App and the Services as well as any content in the Beta Features, including without limitation the text (such as the articles found on our blog or in our daily newsletter), our Parental Leave Database, software, scripts, source code, API, graphics, photos, sounds, music, videos and interactive features and the trademarks, service marks and logos contained therein (collectively, “theSkimm Content”), is owned by or licensed to theSkimm in perpetuity, and is subject to copyright, trademark, and/or patent protection in the United States and foreign countries, and other intellectual property rights under United States and foreign laws. theSkimm Content is provided to you “as is”, “as available” and “with all faults” for your information and for your personal, non-commercial use only.  theSkimm Content may not be downloaded, copied, reproduced, distributed, transmitted, broadcast, displayed, sold, licensed, or otherwise exploited, in whole or in part, for any purposes whatsoever without the express prior written consent of theSkimm in each instance. No right or license under any copyright, trademark, patent, or other proprietary right or license is granted by this Agreement. theSkimm reserves all rights not expressly granted in and to theSkimm Content, this Site, the App and the Services, and this Agreement does not transfer ownership of any of these rights. If you violate any part of this Agreement, your permission to access and/or use theSkimm Content and the Site, the App or the Services automatically terminates and you must immediately destroy any copies you have made of theSkimm Content. The trademarks, service marks, and logos of theSkimm (“theSkimm Trademarks”) used and displayed on the Site, the App, the Services or on any Beta Features are registered and unregistered trademarks or service marks of theSkimm. Other company, product, and service names located on the Site, the App, the Services or any Beta Features may be trademarks or service marks owned by others (the “Third-Party Trademarks,” and, collectively with theSkimm Trademarks, the “Trademarks”). Nothing on the Site, the App, the Services or any Beta Features should be construed as granting, by implication, estoppel, or otherwise, any license or right to use the Trademarks, without our prior written permission specific for each such use. Use of the Trademarks as part of a link to or from any site is prohibited unless establishment of such a link is approved in advance by us in writing. All goodwill generated from the use of theSkimm Trademarks inures to our benefit. The Site, the App, the Services and any Beta Features have been specially designed to present theSkimm Content in a unique format and appearance. We are concerned about the integrity of theSkimm Content when it is viewed in a setting created by a third party that includes advertising or other materials that we have not authorized to be displayed with our content. Elements of the Site, the App, the Services and the Beta Features are protected by trade dress, trademark, unfair competition, and other state and federal laws and may not be copied or imitated in whole or in part, by any means, including, but not limited to, the use of framing or mirrors. Neither you nor any third party shall make use of theSkimm Content in any manner that constitutes an infringement of our rights, including copyright, or that has not been authorized by us. 

Our Use of User Content 

Some of the features of this Site, the App or the Services, or on any Beta Features, may allow Users to view, post, publish or share their ideas, opinions, preferences or feedback (e.g., through a “like” or “comment” function) relating to theSkimm’s news articles or current events (“On-Site User Content”). We may also make available interactive services through third-party websites and third party social media platforms (“Third Party Platforms”) (e.g., theSkimm-designated hashtags, including #SkimmSpotted and #SkimmLife, and comment or posting sections on theSkimm-related pages hosted on third party social media platforms) pursuant to which Users can post associated content (“Off-Site User Content,” together with On-Site User Content, “User Content”). By posting or publishing User Content to this Site, the App or to the Services, or on any Beta Features or to Third Party Platforms, you represent and warrant to theSkimm that: (i) you have all necessary rights to distribute User Content, either because you are the sole author and owner of the User Content and have the right to distribute the same, or because you have the appropriate distribution rights, licenses, consents, and/or permissions to use, in writing, from the copyright or other owner of the User Content; and (ii) you do not violate the rights of any third party. You shall be solely responsible for any and all of your User Content and the consequences of, and requirements for, distributing it. theSkimm has no obligation, either express or implied, to treat your User Content as confidential, to develop or use your User Content and no compensation is due to you or to anyone else for any intentional or unintentional use of your User Content. You acknowledge and agree that theSkimm may be working on the same or similar content, it may already know of such content from other sources, it may simply wish to develop this (or similar) content on its own, or it may have taken / will take some other action. If you post or publish your User Content to this Site, the App, any Beta Features or to Third Party Platforms, you authorize theSkimm to use the intellectual property and other proprietary rights in and to your User Content to enable inclusion and use of the User Content in the manner contemplated by this Site, the App, any Beta Features, the Third Party Platforms and this Agreement. Accordingly, you hereby grant theSkimm a worldwide, non-exclusive, royalty-free, sublicensable (through multiple tiers), and transferable license to use, reproduce, distribute, prepare derivative works of, combine with other works, display, and perform your User Content in connection with this Site, the App, the Third Party Platforms and theSkimm’s business, including without limitation for any Beta Features, promoting and redistributing all or part of this Site or the App in any media formats and through any media channels without restrictions of any kind and without payment or other consideration of any kind, or permission or notification, to you or any third party. Our Monitoring of User Content theSkimm reserves the right, but has no obligation, to pre-screen User Content and decide whether any item of User Content is appropriate and/or complies with this Agreement. theSkimm may remove any item of User Content (in the case of Off-Site User Content, remove any repost or publication of such Off-Site User Content from a Third Party Platform, the Site or the App) and/or terminate a User’s access to this Site, the App or the Services for posting or publishing any material in violation of this Agreement, or for otherwise violating this Agreement (as determined by theSkimm in its sole and absolute discretion), at any time and without prior notice. If theSkimm terminates your access to this Site, the App or the Services theSkimm may, in its sole and absolute discretion, remove and destroy any data and files stored by you on its servers. Copyright Infringement theSkimm has adopted the following general policy toward copyright infringement in accordance with the Digital Millennium Copyright Act (“DMCA”). It is theSkimm’s policy to (a) block access to or remove material that it believes in good faith to be copyrighted material that has been illegally copied and distributed by any of our advertisers, affiliates, content providers or Users; and (b) remove and discontinue service to repeat offenders. Written Notification. If you believe that your content has been copied in a way that constitutes copyright infringement, please notify our Copyright Agent by emailing us at Founders@theSkimm.com. theSkimm will respond to notices of alleged infringement regarding third party material sent pursuant to and in accordance with the DMCA, which may include theSkimm removing or disabling access to Third Party material claimed to be the subject of infringement or other activity. All notices sent to theSkimm regarding matters other than informing theSkimm that a party’s copyrighted material may have been infringed as a result of third party materials will not receive a response through this process. In order to be effective, your infringement notification must include the following: - A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed; - Identification of the copyrighted work claimed to have been infringed, or if multiple copyrighted works at a single website are covered by a single notification, a representative list of such works at that website; - Identification of the material (i.e., the third party materials) that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit theSkimm to locate the material; - Information reasonably sufficient to permit theSkimm to contact the complaining party, such as an address, telephone number, and if available, an electronic mail address at which the complaining party may be contacted; - A statement, as follows: “I have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law”; and- A statement, as follows: “The information in this notification is accurate, and under penalty of perjury, I swear that I am the copyright owner or that I am authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.” Counter Notification. If you believe that your work has been removed or disabled by mistake or misidentification, please notify our Copyright Agent by emailing us at Founders@theSkimm.com. To be effective, a Counter Notification must be a written communication that includes substantially the following: - A physical or electronic signature of the User; - Identification of the material that has been removed or to which access has been disabled and the location at which the material appeared before it was removed or access to it was disabled; - A statement, as follows: “I swear under penalty of perjury that it is my good faith belief that the material identified above was removed or disabled as a result of mistake or misidentification of the material to be removed or disabled”; and - The User’s name, address, and telephone number, and a statement that the User consents to the jurisdiction of Federal District Court for the judicial district in which the User’s address is located, or if the User’s address is outside of the United States, for any judicial district in which theSkimm may be found, and that the User will accept service of process from the person who provided notification or an agent of such person. Upon receipt of a valid Counter Notification containing the information as outlined above, the DMCA provides that the removed material will be restored or access re-enabled and theSkimm will comply with this requirement within a reasonable time (or as otherwise required by law), provided theSkimm’s Copyright Agent has not received notice from the original complaining party that an action has been filed seeking a court order to restrain User from engaging in infringing activity relating to the material on theSkimm’s network or system. To contact our Copyright Agent by regular mail, please write to: 

Copyright Agent 50 West 23rd Street, Suite 5B New York, NY 10010 

Links to Third-Party Websites 

This Site, the App and the Services may contain links to third-party websites that are not owned or controlled by theSkimm. These links are provided solely as a convenience to you and do not constitute an endorsement by theSkimm of the content on such websites nor of the business practices of those operating those websites. theSkimm has no control over and assumes no responsibility for the content, terms and conditions, privacy policies, or practices of any third-party websites. In addition, theSkimm does not censor or edit the content of any third-party websites. By using this Site, the App or the Services, you expressly release theSkimm from any and all liability arising from your use of any third-party website. Accordingly, theSkimm encourages you to be aware when you leave this Site, the App or the Services and to review the terms and conditions, privacy policies, and other governing documents of each other website that you may visit. 

Affiliate Compensation Disclosures

These Affiliate Compensation Disclosures (the “Disclosures”) are provided by theSkimm, Inc. (“theSkimm,” “we,” or “our”), and apply to www.theskimm.com (both the mobile and online versions) and all of our other digital properties, including, without limitation, The Daily Skimm, Skimm Your Life, Skimm Money, Skimm podcast and theSkimm App (collectively, the “Properties”).

Like most digital media companies, we have financial relationships with various affiliates, advertisers, sponsors, and other third parties (collectively, “Affiliates”) whose products, services, and messaging are described in, or appear on, our Properties.  We provide these Disclosures to you because we believe in transparency, and we strive to comply with the Federal Trade Commission’s Guides Concerning the Use of Endorsement and Testimonials in Advertising, which are codified at 16 C.F.R. Part 255.   

theSkimm often receives monetary and other forms of compensation from Affiliates for various advertising, sponsorships (such as sponsored posts or sponsored stories within our editorial content), insertion orders, commercial messaging, editorial inclusions, and other promotional campaigns that we feature on our Properties.  Thus, there is often a paid connection between theSkimm and an Affiliate with respect to a product, service, or company mentioned, reviewed, or recommended on our Properties.  If you ultimately decide to purchase a product or service mentioned on our Properties, we may receive additional compensation from an Affiliate in connection with that purchase.  This is called an affiliate link.  And, in cases of third-party ads posted on our Properties, we will generally receive some compensation from the third-party advertiser even if you do not purchase anything.     

Whenever there is such an Affiliate relationship, we do our best to clearly and conspicuously disclose it adjacent to, or within the, content.  For example, such a disclosure may state: “This is a sponsored/affiliate post.”

Please be assured that we try to provide true and accurate statements regarding any products, services, or companies mentioned, reviewed, or recommended by theSkimm on our Properties, regardless of whether the company is an Affiliate.  And, regardless of any affiliations, we only recommend products, services, or companies that we use personally or believe will be good for our members.

Finally, theSkimm has a number of corporate investors.  When our content relates to products or services our investors provide, compete with, or invest in, our content is created with total editorial independence.  None of our investors have access to our editorial and publication process unless we have an agreement with that investor that specifically contemplates a content creation relationship.  If such a relationship exists, we would clearly disclose it as noted above.  We will remind our audience of the relationship when we write directly about the business or other activities of an investor.

Should you have any questions, comments, or concerns regarding these Disclosures, please contact us at help@theskimm.com.

Fees and Payment 

As theSkimm grows and develops new products and features, we may charge fees in connection with certain Services or offerings, including Beta Features (“Fees”). We will notify you of any Fees associated with such Services or offerings so that you may choose whether to purchase or subscribe to the new Services, product, feature or Beta Feature. Fees and any applicable taxes will be due and payable as set forth below. theSkimm may increase the Fees by providing you with written notice of such increase. - Payment by Credit or Debit Card. In the event you choose to purchase any product or Services for which theSkimm charges a Fee, you authorize theSkimm to charge your credit card, debit card or other payment instrument for the Fee and any applicable taxes. You further authorize theSkimm to use a third party to process payments and hereby consent to the disclosure of you Billing Information to such third party. - Payment Information. Once you provide us with your Billing Information, you agree to keep your contact information, Billing Information, and credit card information (where applicable) up to date. Changes may be made on your billing page connected to the Services or Beta Feature. Non-Cancelable and Non-Refundable. All Fees and applicable taxes payable under this Agreement and all payments made are non-refundable. Monthly Subscriptions We may offer the App or some of our Services on a subscription basis. By subscribing to the App or to any such Services, you authorize us to charge your credit card or debit card an initial payment at the time of signing up, and a monthly recurring payment which will take place on the next billing day of your billing cycle. IT IS IMPORTANT TO NOTE THAT WHEN YOU SIGN UP FOR A MONTHLY SUBSCRIPTION, YOUR SUBSCRIPTION WILL AUTOMATICALLY RENEW UNTIL YOU CANCEL IT. YOU MAY CANCEL AT ANY TIME BY FOLLOWING THE INSTRUCTIONS BELOW OR ON OUR SITE OR APP, AND THE CANCELLATION WILL TAKE EFFECT AT THE EXPIRATION OF THE THEN-CURRENT TERM.

You may cancel your subscription at any time by visiting your iTunes account and cancelling your subscription there. You are responsible for any recurring charges that take place prior to cancellation. theSkimm reserves the right to move your next billing day at any time without any further authorization from you. We may modify the fees at any time by posting such modification on our website, and any such modification shall go into effect thirty (30) days after it is so posted. 

Prepaid Subscriptions: By subscribing to our prepaid subscription (3, 6 or 12-month plans with payment due upfront), you authorize us to charge your credit card an initial prepayment at the time of signing up. At the end of your prepaid subscription period, your subscription will automatically cancel, unless you inform us that you would like to renew your subscription. Prepaid subscriptions are only refundable within the first 30 days of signing up. 

Indemnity 

You agree to indemnify and hold harmless theSkimm, its and affiliates, and their directors, officers, managers, employees, shareholders, agents, and licensors, from and against all claims, demands, disputes, losses, expenses, damages, and costs, including reasonable attorneys’ fees, arising out of or in relation to your breach of these Terms or your misuse of the Site, the App, the Services, theSkimm Content, the Loyalty Program, or any Beta Feature. theSkimm reserves the right to assume the exclusive defense of any claim for which we are entitled to indemnification under this Section. In such event, you shall provide us with such cooperation as is reasonably requested by us. 

Disclaimer of Warranties and Limitation of Liability 

THE SITE, THE APP, THE SERVICES, THE LOYALTY PROGRAM PLATFORM, ALL BETA FEATURES AND ALL THESKIMM CONTENT ARE AVAILABLE “AS IS.” THESKIMM DOES NOT WARRANT THAT THE SITE, THE APP, THE SERVICES, THE LOYALTY PROGRAM PLATFORM, ANY BETA FEATURES OR ANY THESKIMM CONTENT WILL BE UNINTERRUPTED OR ERROR-FREE. THERE MAY BE DELAYS, OMISSIONS, INTERRUPTIONS, AND INACCURACIES IN THE NEWS, INFORMATION, OR OTHER MATERIALS AVAILABLE THROUGH THE SITE, THE APP, THE SERVICES, THE LOYALTY PROGRAM PLATFORM, ANY BETA FEATURES OR ANY THESKIMM CONTENT. WE DISCLAIM ALL WARRANTIES, INCLUDING WITHOUT LIMITATION, THOSE OF NON-INFRINGEMENT, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND ANY WARRANTIES ARISING FROM A COURSE OF DEALING, COURSE OF PERFORMANCE, OR USAGE OF TRADE WITH RESPECT TO THE SITE, THE APP, THE SERVICES, THE LOYALTY PROGRAM, THE LOYALTY PROGRAM PLATFORM, ANY BETA FEATURES, ANY THESKIMM CONTENT OR ANY INFORMATION OR GOODS THAT ARE AVAILABLE OR ADVERTISED OR SOLD THROUGH THE SITE, THE APP, THE SERVICES, ANY BETA FEATURES OR ANY THESKIMM CONTENT. WE DO NOT PROVIDE OR AUTHORIZE THE PROVISION OF MEDICAL, LEGAL, OR OTHER PROFESSIONAL ADVICE THROUGH THE SITE, THE APP, THE SERVICES, THE LOYALTY PROGRAM PLATFORM, ANY BETA FEATURES OR ANY THESKIMM CONTENT, AND SO WE DISCLAIM ANY RESPONSIBILITY FOR THE ACCURACY OR RELIABILITY OF MEDICAL, LEGAL, OR OTHER PROFESSIONAL INFORMATION THAT IS CONTAINED WITHIN THE SITE, THE APP, THE SERVICES, THE LOYALTY PROGRAM PLATFORM, ANY BETA FEATURES OR ANY THESKIMM CONTENT; RATHER THAN RELYING ON THIS INFORMATION, YOU SHOULD SEEK ADVICE FROM A QUALIFIED PROFESSIONAL. WE DO NOT MAKE ANY REPRESENTATIONS REGARDING, NOR DO WE ENDORSE THE ACCURACY, COMPLETENESS, TIMELINESS, OR RELIABILITY OF ANY ADVICE, OPINION, STATEMENT, OR OTHER MATERIAL OR DATABASE DISPLAYED, UPLOADED, OR DISTRIBUTED IN ANY BETA FEATURES, THE SERVICES, THE SITE, THE APP, THE LOYALTY PROGRAM PLATFORM, OR AVAILABLE THROUGH LINKS IN THE FOREGOING. WE RESERVE THE RIGHT TO CORRECT ANY ERRORS OR OMISSIONS IN THE SITE, THE APP, THE SERVICES, THE LOYALTY PROGRAM PLATFORM, AND ANY BETA FEATURES. WE DO NOT GUARANTEE OR WARRANT THAT THE BETA FEATURES, THE SERVICES, THE SITE, THE APP, THE LOYALTY PROGRAM PLATFORM, OR MATERIALS THAT MAY BE DOWNLOADED FROM THE FOREGOING DO NOT CONTAIN VIRUSES, WORMS, “TROJAN HORSES,” OR OTHER DESTRUCTIVE MATERIALS. WE ARE NOT LIABLE FOR ANY DAMAGES OR HARM ATTRIBUTABLE TO SUCH FEATURES. IN CONNECTION WITH ANY WARRANTY, CONTRACT, OR COMMON LAW TORT CLAIMS, THESKIMM, ITS AFFILIATES, AND THEIR DIRECTORS, OFFICERS, MANAGERS, EMPLOYEES, SHAREHOLDERS, AGENTS, AND LICENSORS: (I) SHALL NOT BE LIABLE FOR ANY INCIDENTAL OR CONSEQUENTIAL DAMAGES, LOST PROFITS, OR DAMAGES RESULTING FROM LOST DATA OR BUSINESS INTERRUPTION RESULTING FROM THE USE OR INABILITY TO ACCESS AND USE THE SERVICES OR THE CONTENT, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES; OR (II) ANY DIRECT DAMAGES THAT YOU MAY SUFFER AS A RESULT OF YOUR USE OF THE SITE, THE APP, THE SERVICES, THE LOYALTY PROGRAM PLATFORM, ANY BETA FEATURE OR ANY THESKIMM CONTENT SHALL BE LIMITED TO THE MONIES YOU HAVE PAID US IN CONNECTION WITH YOUR USE OF THE FOREGOING DURING THE THREE (3) MONTHS IMMEDIATELY PRECEDING THE EVENTS GIVING RISE TO THE CLAIM. 

Limitation of Liability in Certain States 

CERTAIN STATE LAWS IN THE UNITED STATES DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE LIMITATIONS ON WARRANTIES MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS. 

Compliance with Applicable Laws

The Site, App and the Services are based in the United States and are only available to United States residents.  We make no claims concerning whether the Content may be downloaded, viewed, or be appropriate for use outside of the United States.  If you access the Site, App, the Services, or the Content from outside of the United States, you do so at your own risk.  Whether inside or outside of the United States, you are solely responsible for ensuring compliance with the laws of your specific jurisdiction.

Binding Arbitration 

Except for disputes arising from an alleged violation of intellectual property rights or breach of confidentiality, for which the injured party may suffer irreparable harm and may seek a restraining order, preliminary injunctive relief, an injunction, specific performance or other equitable relief and/or legal remedies, and actions to enforce the decisions of the arbitrators, for which action may be taken in any court of competent jurisdiction, in the County of New York, in the State of New York, and you hereby consent to (and waive all defenses of lack of personal jurisdiction and forum non conveniens with respect to) to waive the right to trial by jury in any such action or proceeding that takes place relating to or arising out of this Agreement, all disputes arising out of or related to this Agreement, including the scope, the construction or application of this Agreement, shall be resolved by binding arbitration governed by the Federal Arbitration Act and in accordance with the commercial arbitration rules of the Judicial Arbitration and Mediation Services (“JAMS”) then in force. NEITHER PARTY SHALL HAVE THE RIGHT TO LITIGATE SUCH DISPUTE IN COURT OR TO HAVE A JURY TRIAL. DISCOVERY AND APPEAL RIGHTS MAY ALSO BE LIMITED IN ARBITRATION. The arbitration hearings and all meetings pursuant to this section shall be held in New York County, in the State of New York. If the parties cannot agree upon a single arbitrator within twenty (20) calendar days after demand by either of them, each party shall select one arbitrator knowledgeable about Internet commerce in New York, and notify the other of its selection, and such two arbitrators shall select a third from a list of arbitrators (with knowledge of the Internet industry) qualified by JAMS in New York. If this procedure for selecting arbitrators fails, then a neutral arbitrator based in New York with knowledge of Internet commerce in New York State shall be selected by JAMS to resolve the dispute. The arbitrator(s) shall conduct a hearing within sixty (60) days after their selection. A majority of the arbitrators (if there is more than one pursuant to this clause) shall determine the decision/award, which shall be rendered within ten (10) days after the completion of the hearing. The decision of the arbitrator(s) shall be final and binding upon the parties both as to law and to fact, and shall not be appealable to any court in any jurisdiction. The parties shall share the expenses of the arbitrators equally. Nothing in any indemnification provision hereunder shall be construed as having any bearing on the award of attorneys’ fees or arbitrators’ fees under this section. 

Class Action Waiver 

You agree that any arbitration or proceeding shall be limited to the dispute between us and you individually. To the full extent permitted by law, (i) no arbitration or proceeding shall be joined with any other; (ii) there is no right or authority for any dispute to be arbitrated or resolved on a class action-basis or to utilize class action procedures; and (iii) there is no right or authority for any dispute to be brought in a purported representative capacity on behalf of the general public or any other persons. You agree that any controversy or claim shall be arbitrated on an individual basis and shall not be consolidated in any arbitration with any claim or controversy of any other party, unless agreed to by theSkimm at its sole discretion. 

Miscellaneous 

Nothing in this Agreement shall be deemed to confer any third-party rights or benefits. This Agreement shall be binding upon and inure to the benefit of the parties hereto and their respective heirs, successors and assigns. This Agreement shall be governed by and construed in accordance with the laws of the State of New York without regard to conflict of laws principles. The titles and headings of this Agreement are for convenience and ease of reference only and shall not be utilized in any way to construe or interpret the agreement of the parties as otherwise set forth herein. This section and the sections entitled Beta Features, Intellectual Property, Indemnity, Disclaimer of Warranties and Limitation of Liability, Binding Arbitration and Class Action Waiver shall survive the termination of this Agreement. Each covenant and agreement in this Agreement shall be construed for all purposes to be a separate and independent covenant or agreement. Neither the course of conduct between parties nor trade practice shall act to modify any provision of this Agreement. This Agreement contains the entire agreement of the parties concerning the subject matter, and supersedes all existing agreements and all other oral, written or other communication between the parties concerning its subject matter. 

Live Event Disclaimer

Our webinars are for general educational purposes only and are not meant to be a substitute for business or investment advice or your exercise of your own business judgment.  theSkimm is a media company and is not a broker/dealer, financial advisor, or fiduciary providing investment guidance or recommendations.  Any such decisions or judgments are made at your sole discretion and election.  Any reference in the webinar relating to an investment or security is not a recommendation to buy, sell, or hold such investment or security, or to make any other investment decisions, and does not address the suitability of any investment or security.  When any information provided in the webinar include estimates or predictions of future events or behaviors, theSkimm makes no guarantees as to the occurrence of such future events or behaviors. Closed Caption might not be available for live events. Live Events will often be recorded. Closed Caption will be available for recorded events displayed post event date for viewing on our website at theSkimm.com.
“Fidelity Office Hours” - Event date - May 26, 2021 at 8:00 pm EST. 

By registering for theSkimm’s Office Hours, and registering to receive email communication from Fidelity Brokerage Services LLC,  you agree that your registration and any other information collected in connection with the registration may be used by Fidelity Brokerage Services LLC in accordance with their Privacy Policy, a current copy of which can be found here.  

Contact Information 

If you have any questions about this Agreement, please contact us via email at founders@theSkimm.com or regular mail at the following address: 

theSkimm, Inc. Attn: Legal 50 West 23rd Street, Suite 5B New York, NY 10010 

Copyright 2022 theSkimm, Inc.  All rights reserved.

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