Terms of Service

TheSkimm

TERMS OF SERVICE

Last Revised: January 8, 2025

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

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.

Capitalized terms that are not defined in these Terms of Service have the meaning given to them in the Privacy Policy.

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.

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 and our subscription Service Skimm+, (“Skimm+”). 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, including any Shared Content Database, 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 Services, 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 Services, 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 Services, the Third Party Platforms and theSkimm’s business, including without limitation to establish topic driven databases of User Content accessible to subscribers, 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.

Shared Content Databases. Some Services offer subscribers the opportunity to contribute User Content to topic related forums available on the applicable Service. User Content submitted to such forums is referred to as “Shared Content”. Shared Content submitted to such forums may be used by theSkimm to create databases of information accessible to other subscribers (“Shared Content Databases”). You acknowledge and agree that theSkimm has no control over how and with whom the Shared Content recipients, may share the Shared Content and therefore, theSkimm shall not be responsible or liable with respect thereto.

Our Monitoring of User Content. theSkimm reserves the right, but has no obligation, to pre-screen User Content, including Shared 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, Skimm+ 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 your Billing Information to such third party. You warrant and represent that you are the valid owner or an authorized user of the credit card or payment account that you provide to us or to such third party payment processor, and that all information you provide is accurate.

- 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 unless we otherwise disclose the terms of any applicable refund in writing at the time of your purchase.

- Length of Subscriptions. We may offer the App and some of our Services, including but not limited to Skimm+ on a subscription basis. The length of your subscription shall be for the period of time (monthly or annual) displayed to you on the Site through which you elect to subscribe for the applicable Service.

- Changes to Paid Subscriptions. theSkimm reserves the right to modify or discontinue any subscription Service and/or any associated fees, benefits, features and limitations at any time, at its sole discretion, by updating the respective pricing page applicable to the Service subject to modification (“Subscribership Changes”). If you have already purchased a Service subscription when a Subscribership Change is made, you will be notified in advance and the Subscribership Change will go into effect for you at the next renewal of your Service Subscription (provided that we may impose Subscribership Changes sooner upon written notice to you in cases where required by applicable law or in other extraordinary circumstances). Service subscribers will receive advance notifications of auto-renewals and may cancel their subscriptions at any time in accordance with the cancellation instructions set forth below.

- Payment Authorization. By subscribing to the App or to any such Services, you authorize us or our third party payment processor, to charge your credit card or debit card an initial payment at the time of signing up, and a recurring payment which will take place during your billing cycle which occurs prior to the expiration of the subscription term to which you subscribed.

- AUTOMATIC RENEWALS. IT IS IMPORTANT TO NOTE THAT WHEN YOU SIGN UP FOR A SUBSCRIPTION, YOUR SUBSCRIPTION WILL AUTOMATICALLY

RENEW FOR THE SAME SUBSCRIPTION PERIOD/TERMS AS ORIGINALLY PURCHASED (UNLESS YOU ARE NOTIFIED OF A SUBSCRIPTION CHANGE), 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.

Subscription Cancellations

• App Subscriptions: You may cancel your subscription for our App 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 App Subscriptions: By subscribing to our prepaid subscription (3, 6 or 12-month plans with payment due upfront) for our App, 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.

• Service Subscriptions: You may cancel your subscription to our Services at any time. by engaging the “cancel subscription” link available through the account log in page relating to the applicable Services. To avoid being charged the recurring charge, be sure to cancel your subscription before the automatic renewal.

PLEASE NOTE THAT DELETING YOUR ACCOUNT DOES NOT AUTOMATICALLY CANCEL YOUR SUBSCRIPTION. THESKIMM IS NOT RESPONSIBLE FOR THE CANCELATION OF ANY PURCHASES.

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, 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, ALL BETA FEATURES,ALL THESKIMM CONTENT AND ALL CONTENT ACCESSIBLE TO YOU THROUGH THE SERVICES, ARE AVAILABLE “AS IS.” THESKIMM DOES NOT WARRANT THAT THE SITE, THE APP, THE SERVICES, ANY BETA FEATURES,ANY THESKIMM CONTENT OR OTHER 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, ANY BETA FEATURES OR ANY THESKIMM CONTENT OR OTHER 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, ANY BETA FEATURES, ANY THESKIMM CONTENT, OTHER 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, 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, 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, OR AVAILABLE THROUGH LINKS IN THE FOREGOING. WE RESERVE THE RIGHT TO CORRECT ANY ERRORS OR OMISSIONS IN THE SITE, THE APP, THE SERVICES, AND ANY BETA FEATURES. WE DO NOT GUARANTEE OR WARRANT THAT THE BETA FEATURES, THE SERVICES, THE SITE, THE APP, 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 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.

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