Terms of Service

1. Acceptance of Terms

By accessing or using SkipRate (“the Service”), operated by Andre Bilodeau at skiprate.com, you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, do not use the Service.

2. Description of Service

SkipRate provides automated analysis of credit card processing merchant statements. Users upload statements (PDF or images), and the Service uses AI to analyze fees, calculate effective rates, identify junk charges, and estimate potential savings. The Service is intended for informational purposes to help merchants understand their processing costs.

3. Account Registration

To access certain features, you must create an account. You agree to provide accurate information, maintain the security of your password, and accept responsibility for all activity under your account. You must be at least 18 years old to use the Service.

4. Subscription Plans & Billing

• Free Tier: One statement analysis at no cost. No account or payment required.
• Pro Plans: Paid subscriptions are billed upfront for the selected term (1-year or 2-year) via Authorize.net. Prices are as displayed at the time of purchase.
• Additional MIDs: Additional Merchant IDs can be added to any paid plan at the listed per-MID rate.
• Automatic Renewal: Subscriptions automatically renew at the end of each term unless cancelled before the renewal date.

5. Cancellation & Refund Policy

You may cancel your subscription at any time through your account settings or by contacting us.

• Upon cancellation, your access continues until the end of your current paid term.
• No refunds are provided for partial billing periods or unused time remaining on a subscription term.
• If you cancel before the renewal date, you will not be charged for the next term.

6. Acceptable Use

You agree not to:

• Upload fraudulent, forged, or altered statements.
• Use the Service for any unlawful purpose.
• Attempt to reverse-engineer, scrape, or automate access to the Service beyond its intended interface.
• Share your account credentials with third parties.
• Upload content that infringes on the intellectual property rights of others.
• Interfere with or disrupt the Service or its infrastructure.

7. Usage Limits

Free accounts are limited to one statement analysis. Pro accounts include unlimited analyses for the number of MIDs covered by their subscription. We reserve the right to implement reasonable rate limits to protect service quality. Abusive or excessive automated usage may result in throttling or account suspension.

8. Intellectual Property

All content, design, code, algorithms, branding, and analysis methodologies of SkipRate are the exclusive property of Andre Bilodeau and are protected by applicable intellectual property laws.

You retain ownership of statements you upload. By uploading a statement, you grant SkipRate a limited, non-exclusive license to process and analyze the document for the purpose of delivering the Service.

9. Disclaimer of Warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. We do not guarantee the accuracy, completeness, or reliability of any analysis or savings estimate. SkipRate is an informational tool — it does not constitute financial, legal, or professional advice. You should independently verify all analysis results before making business decisions.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SKIPRATE AND ITS OPERATOR SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, ARISING FROM YOUR USE OF THE SERVICE.

OUR TOTAL AGGREGATE LIABILITY FOR ANY CLAIMS RELATED TO THE SERVICE SHALL NOT EXCEED THE AMOUNT YOU PAID TO SKIPRATE IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

11. Indemnification

You agree to indemnify and hold harmless SkipRate, its operator, and affiliates from any claims, damages, or expenses (including reasonable attorney’s fees) arising from your use of the Service, your violation of these Terms, or your violation of any rights of a third party.

12. Account Termination

We reserve the right to suspend or terminate your account at our sole discretion, with or without notice, for conduct that we determine violates these Terms, is harmful to other users, or is otherwise objectionable. Upon termination, your right to use the Service ceases immediately. We may delete your data within 30 days of termination.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved in the courts located in San Diego County, California.

14. Changes to Terms

We may modify these Terms at any time. We will notify registered users of material changes via email. Continued use of the Service after changes constitutes acceptance of the revised Terms.

15. Contact Us

If you have questions about these Terms, contact us at: