Last updated: January 2026
Welcome to Skimp: Money Saving Challenges. These Terms of Use ("Terms") govern your access to and use of the Skimp: Money Saving Challenges mobile application and related services (collectively, the "Service") provided by Skimp: Money Saving Challenges ("we," "our," or "us"). By downloading, accessing, or using our Service, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our Service.
By creating an account or using any part of our Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. These Terms constitute a legally binding agreement between you and Skimp: Money Saving Challenges. You must be at least 18 years old or the age of majority in your jurisdiction to use our Service.
Skimp: Money Saving Challenges is a personal finance application designed to help users develop better financial habits through savings challenges. Our Service provides tools for users to participate in pre-designed financial challenges, create personalized savings goals, and manually track their progress toward reducing unnecessary expenses. The app also includes informational features such as loan matching and financial calculators intended for educational and reference purposes only.
Skimp: Money Saving Challenges is not a financial institution, bank, credit union, or licensed financial advisor. The Service does not provide loans, credit, or any financial products directly. Any savings amounts, goals, or financial projections displayed within the app are estimates based on user input and are intended for motivational and tracking purposes only.
To access certain features of our Service, you must create an account by providing accurate and complete information, including your first name, last name, and email address. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.
You agree to notify us immediately of any unauthorized access to or use of your account. We are not liable for any loss or damage arising from your failure to protect your account information. We reserve the right to suspend or terminate accounts that we believe have been compromised or are being used in violation of these Terms.
When using our Service, you agree to:
We reserve the right to terminate or suspend your access to the Service immediately, without prior notice, for any conduct that we, in our sole discretion, believe violates these Terms or is harmful to other users, us, or third parties.
The savings challenges and tracking features within Skimp: Money Saving Challenges are designed to help you visualize and monitor your personal financial goals. All savings amounts, progress indicators, and estimated savings are based solely on the information you input and are intended for personal motivation and reference.
You acknowledge and agree that:
Our Service displays advertisements and may include links to third-party websites, applications, or services, including loan matching and financial product information. These third-party offerings are provided by independent parties over whom we have no control.
We do not endorse, guarantee, or assume responsibility for any third-party content, products, or services advertised or accessed through our Service. Your interactions with any third-party websites or services, including payment and delivery of goods or services, are solely between you and that third party. We strongly recommend that you review the terms and privacy policies of any third-party sites before providing any personal or financial information.
By clicking on advertisements or using loan matching features, you may be redirected to external websites. Any personal information you provide to these third parties is subject to their privacy policies and terms of service. We are not responsible for any damages or losses incurred as a result of your dealings with third-party advertisers or service providers.
The Service and its entire contents, features, and functionality, including but not limited to all information, software, text, displays, images, graphics, and the design and arrangement thereof, are owned by Skimp: Money Saving Challenges, its licensors, or other providers of such material and are protected by copyright, trademark, and other intellectual property laws.
You are granted a limited, non-exclusive, non-transferable license to access and use the Service for your personal, non-commercial use only. You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Service without our prior written consent.
THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
We do not warrant that the Service will be uninterrupted, secure, or error-free, that defects will be corrected, or that the Service or the server that makes it available is free of viruses or other harmful components. We do not guarantee any specific results from your use of the Service.
Skimp: Money Saving Challenges is not a substitute for professional financial advice. The information provided through our Service is for general informational and motivational purposes only and should not be considered as financial, investment, tax, or legal advice. You should consult with qualified professionals before making any financial decisions.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL SKIMP: MONEY SAVING CHALLENGES, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:
In no event shall our total liability to you for all claims exceed the amount you paid us, if any, for accessing the Service during the twelve (12) months preceding the claim.
You agree to defend, indemnify, and hold harmless Skimp: Money Saving Challenges and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, or expenses, including reasonable attorneys' fees, arising out of or in any way connected with your access to or use of the Service, your violation of these Terms, or your violation of any rights of another person or entity.
We reserve the right to modify these Terms at any time. If we make material changes, we will provide notice through the Service or by other means. Your continued use of the Service after such modifications constitutes your acceptance of the updated Terms.
We may also modify, suspend, or discontinue the Service (or any part thereof) at any time without notice or liability. We are not obligated to provide any particular features or functionality.
You may terminate your account at any time by using the "Delete all data" option within the app settings or by contacting us directly. Upon termination, your right to use the Service will immediately cease.
We may terminate or suspend your account and access to the Service at our sole discretion, without prior notice or liability, for any reason, including if you breach these Terms. All provisions of these Terms which by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.
These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions. You agree to submit to the personal and exclusive jurisdiction of the courts located in Delaware for the resolution of any disputes arising out of these Terms or your use of the Service.
If any provision of these Terms is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced to the fullest extent permitted by law. The failure of Skimp: Money Saving Challenges to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.
If you have any questions about these Terms, please contact us at:
Email: support@pfloans.net