Skipperly Terms of Service

Effective Date: June 11, 2026

These Terms of Service constitute a legally binding agreement between you and Skipperly, Inc., a Delaware corporation. By accessing or using the Skipperly platform, you agree to be bound by these Terms in their entirety.

1. Introduction and Acceptance of Terms

These Terms of Service (“Terms”) govern your access to and use of the Skipperly platform, including the website located at skipperly.io (the “Website”), the Skipperly mobile applications for iOS and Android (the “Apps”), and all related services, features, content, and functionality (collectively, the “Platform”), operated by Skipperly, Inc., a Delaware corporation (“Skipperly,” “we,” “us,” or “our”).

By creating an account, accessing, or using the Platform, you (“User,” “you,” or “your”) acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, you must not access or use the Platform.

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on the Platform and updating the “Effective Date” above. Your continued use of the Platform after such changes constitutes your acceptance of the modified Terms.

2. Definitions

The following terms have specific meanings throughout these Terms:

“Captain” means a registered User who is a recreational boat owner or operator and who creates, manages, and hosts Outings through the Platform.

“Guest” means a registered User who receives invitations to, RSVPs for, and participates in Outings organized by a Captain.

“Outing” means a recreational boating event or trip created and managed by a Captain through the Platform.

“Vessel” means any watercraft registered on the Platform by a Captain for use in connection with Outings.

“Digital Waiver” means an electronic liability waiver or release form delivered through the Platform’s waiver delivery tool.

“Insurance Services” means third-party insurance products made available through the Platform by independent insurance carriers and underwriters.

“Content” means any text, images, photographs, video, audio, data, information, or other materials uploaded, submitted, posted, or otherwise transmitted through the Platform by Users.

“Subscription” means a recurring paid plan that provides a Captain with access to premium features and services on the Platform.

“Donation” or “Tip” means a voluntary monetary contribution made by a Guest to a Captain through the Platform’s payment processing system.

3. Eligibility and Account Registration

3.1 Age Requirements

To register as a Captain, you must be at least eighteen (18) years of age. To register as a Guest, you must be at least sixteen (16) years of age. If you are between the ages of sixteen (16) and eighteen (18), you represent that you have obtained the consent of a parent or legal guardian to use the Platform, and that such parent or guardian has read and agrees to these Terms on your behalf. Users under the age of sixteen (16) are prohibited from using the Platform.

3.2 Account Registration

You must provide accurate, complete, and current information during the registration process and maintain the accuracy of such information. You are solely responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify Skipperly immediately of any unauthorized use of your account.

3.3 Account Termination by Skipperly

We reserve the right to suspend or terminate your account at any time, with or without notice, for conduct that we determine, in our sole discretion, violates these Terms, is harmful to other Users, or is otherwise objectionable. Upon termination, your right to use the Platform ceases immediately.

4. Platform Description and Role of Skipperly

4.1 Nature of the Platform

Skipperly is a social coordination platform that provides technology tools to facilitate the planning, organization, and coordination of recreational boating outings. The Platform provides tools including, but not limited to, outing creation, digital invitations, RSVP management, life jacket matching, digital waiver delivery, safety checklists, photo sharing, and meal coordination.

4.2 Skipperly Is Not a Party to Outings

SKIPPERLY DOES NOT OWN, OPERATE, OR CONTROL ANY VESSEL. Skipperly is not a boat charter service, maritime transport operator, tour operator, event organizer, or insurance provider. Skipperly does not employ, contract, or supervise Captains. All Outings are independently organized, managed, and conducted by Captains. Skipperly’s role is strictly limited to providing the technology platform through which Captains and Guests coordinate.

4.3 No Maritime or Safety Guarantee

While the Platform includes safety-oriented features such as checklists and life jacket matching, these tools are provided as informational aids only. Skipperly does not guarantee the safety, seaworthiness, or legal compliance of any Vessel, Outing, Captain, or Guest. The presence of safety features on the Platform does not constitute a representation or warranty regarding the safety of any Outing.

The inclusion of safety-oriented features on the Platform does not create any duty of care, fiduciary obligation, or special relationship between Skipperly and any User. These features do not make Skipperly a safety provider, maritime consultant, or supervisor of any Outing.

4.4 No Verification or Screening

Skipperly does not conduct background checks, identity verification, credential verification, vessel inspections, or insurance verification on any User or Vessel. Skipperly does not verify, endorse, or guarantee the qualifications, licenses, insurance status, or legal compliance of any Captain or Vessel listed on the Platform. You are solely responsible for evaluating the suitability, safety, and trustworthiness of any Captain, Guest, Vessel, or Outing before participating.

5. Captain Responsibilities and Representations

By registering as a Captain and creating Outings on the Platform, you represent, warrant, and agree that:

(a) You are the legal owner or authorized operator of the Vessel registered on the Platform and have all necessary rights and authority to operate said Vessel and to host Guests aboard.

(b) Your Vessel is properly registered, insured, and maintained in accordance with all applicable federal, state, and local laws, regulations, and United States Coast Guard requirements.

(c) You hold all required licenses, certifications, and endorsements to operate your Vessel in the waters where you conduct Outings.

(d) You will comply with all applicable maritime laws, boating safety regulations, and local waterway rules at all times during any Outing.

(e) You will ensure that your Vessel carries an adequate number and appropriate sizes of U.S. Coast Guard-approved personal flotation devices for all persons aboard.

(f) You will not operate your Vessel while under the influence of alcohol or controlled substances.

(g) You are solely responsible for the safety and welfare of all persons aboard your Vessel during any Outing.

(h) You will provide accurate information regarding your Vessel’s capacity, equipment, and condition.

(i) You understand and accept that Skipperly’s platform tools, including safety checklists and life jacket matching features, are informational aids and do not replace your independent judgment and legal obligations as a vessel operator.

(j) You are solely responsible for the content, accuracy, and legal sufficiency of any waiver or release you distribute through the Platform’s waiver delivery tool.

6. Guest Responsibilities and Representations

By registering as a Guest and participating in Outings, you represent, warrant, and agree that:

(a) You will provide accurate personal information, including but not limited to information required for life jacket sizing and any relevant medical conditions or physical limitations that may affect your participation.

(b) You understand that recreational boating involves inherent risks, including but not limited to drowning, injury from impact, exposure to weather conditions, equipment failure, and actions of other vessels, and that such risks cannot be entirely eliminated.

(d) You will comply with all safety instructions provided by the Captain and all applicable boating safety regulations.

(e) You will read, understand, and, if you agree, sign any Digital Waiver presented to you through the Platform prior to participating in an Outing. You acknowledge that signing a Digital Waiver is a condition of participation set by the Captain, not by Skipperly.

(f) If you are between the ages of sixteen (16) and eighteen (18), you confirm that your parent or legal guardian has reviewed and consented to your participation and has signed any applicable Digital Waivers on your behalf.

7. Digital Waivers

7.1 Waiver Delivery Tool Only

The Platform provides a technology tool for the electronic delivery and collection of liability waivers and release forms. SKIPPERLY IS SOLELY A TECHNOLOGY PROVIDER FOR WAIVER DELIVERY. Skipperly does not draft, review, approve, or guarantee the legal sufficiency, enforceability, validity, or adequacy of any Digital Waiver. Skipperly does not provide legal advice regarding waivers or liability releases.

7.2 Captain Responsibility for Waivers

Captains are solely responsible for the content, terms, legal sufficiency, and enforceability of any waiver or release they create or distribute through the Platform. Captains are strongly advised to consult with a licensed attorney in their jurisdiction to ensure that their waivers comply with applicable law and provide adequate legal protection.

7.3 No Legal Advice

Nothing in the Platform, including any default waiver templates, suggested language, or waiver-related features, constitutes legal advice. Any waiver templates provided by Skipperly are for convenience only and are not warranted to be legally sufficient, enforceable, or appropriate for any particular jurisdiction, activity, or circumstance.

7.4 Electronic Signature

By electronically signing a Digital Waiver through the Platform, Guests consent to the use of electronic signatures and acknowledge that their electronic signature carries the same legal weight as a handwritten signature to the extent permitted by the Electronic Signatures in Global and National Commerce Act (E-SIGN Act), the Uniform Electronic Transactions Act (UETA), and applicable state law.

8. Insurance Services

8.1 Third-Party Insurance Products

The Platform may offer access to insurance products provided by independent, third-party insurance carriers and underwriters (“Insurance Partners”). SKIPPERLY IS NOT AN INSURANCE COMPANY, INSURANCE BROKER, OR INSURANCE AGENT. Skipperly acts solely as a technology distribution channel that facilitates access to Insurance Partners’ products.

8.2 No Insurance Advice

Skipperly does not provide insurance advice, underwriting decisions, claims processing, or coverage determinations. All insurance products, terms, coverage limits, exclusions, premiums, and claims are governed exclusively by the applicable Insurance Partner’s policy documents and terms. Skipperly makes no representations or warranties regarding the adequacy, sufficiency, or suitability of any insurance product for any particular User, Vessel, or Outing. The display, listing, or availability of any insurance product on the Platform does not constitute a recommendation, endorsement, or advice by Skipperly that such product is suitable for any particular User, Vessel, or activity. Skipperly bears no liability for any gap between a User’s insurance coverage and their actual risk exposure.

8.3 Insurance Partner Relationship

Any insurance policy purchased through the Platform constitutes a direct contractual relationship between the User and the Insurance Partner. Skipperly is not a party to any insurance contract. All claims, disputes, and inquiries regarding insurance coverage must be directed to the applicable Insurance Partner.

8.4 No Guarantee of Coverage

The availability of insurance products through the Platform does not guarantee that any particular User, Vessel, or Outing will qualify for coverage. Insurance Partners retain sole discretion over underwriting, coverage, and claims decisions.

8.5 Captain’s Existing Insurance

Insurance products available through the Platform are intended to supplement, not replace, a Captain’s existing vessel insurance and personal liability coverage. Captains are solely responsible for maintaining adequate insurance coverage for their Vessel and activities independent of any products accessed through the Platform.

9. Payments, Subscriptions, and Financial Terms

9.1 Payment Processing

All payment transactions on the Platform are processed by Stripe, Inc. (“Stripe”), a third-party payment processor. By making or receiving payments through the Platform, you agree to Stripe’s Terms of Service and Privacy Policy. Skipperly does not store credit card numbers or sensitive payment information on its servers.

9.2 Captain Subscriptions

Captains may subscribe to premium tiers that provide access to additional features. Subscription fees are billed on a recurring basis at the interval specified at the time of purchase. Subscriptions automatically renew unless cancelled at least twenty-four (24) hours before the end of the current billing period. You may cancel your subscription at any time through your account settings. No refunds will be provided for partial billing periods.

9.3 Donations and Tips

Guests may make voluntary Donations or Tips to Captains through the Platform. Donations and Tips are entirely voluntary, non-refundable, and do not constitute payment for services, admission, transportation, or any contractual obligation. Captains shall not require, solicit, or condition participation in any Outing on the making of a Donation or Tip. Any Donation or Tip that functions as a mandatory fee, admission charge, or fare is a violation of these Terms. Skipperly reserves the right to suspend or terminate the account of any Captain where Donations or Tips appear to function as required payments for participation. Captains are solely responsible for ensuring that their use of the Platform and receipt of Donations or Tips does not constitute a commercial charter operation, paid passenger service, or any activity requiring licensure as a commercial vessel operator. Skipperly may charge a platform processing fee on Donations and Tips, which will be disclosed at the time of transaction.

9.4 Captain Payouts via Stripe Connect

Captains who receive Donations, Tips, or other payouts through the Platform do so via Stripe Connect. Captains are independent platform users and are not employees, contractors, agents, or representatives of Skipperly. Captains are solely responsible for reporting and paying all applicable taxes on income received through the Platform. Skipperly will issue IRS Form 1099-K to Captains as required by applicable law.

9.5 Taxes

You are solely responsible for determining and fulfilling your tax obligations arising from your use of the Platform, including without limitation income taxes, sales taxes, and any other taxes or duties. Skipperly does not provide tax advice.

10. Premium Event Packages and Additional Services

Skipperly may offer premium event packages and additional services for purchase. The specific features, pricing, and terms of such packages will be presented at the time of purchase. All purchases of premium packages are final unless otherwise specified in the package terms.

11. User Content and Intellectual Property

11.1 User Content

You retain ownership of all Content you submit through the Platform. By submitting Content, you grant Skipperly a worldwide, non-exclusive, royalty-free, sublicensable, and transferable license to use, reproduce, modify, distribute, display, and perform such Content in connection with the operation, promotion, and improvement of the Platform. Upon termination of your account, this license shall continue only with respect to Content that was incorporated into Skipperly’s marketing or promotional materials prior to the date of termination. For all other Content, the license shall terminate upon account termination, and you may request removal of your Content by contacting us at the address provided in Section 23. Skipperly will use commercially reasonable efforts to remove such Content within thirty (30) days of receiving a valid removal request.

11.2 Content Representations

You represent and warrant that you own or have the necessary rights to submit all Content, that your Content does not infringe the intellectual property or privacy rights of any third party, and that your Content does not contain unlawful, defamatory, obscene, or otherwise objectionable material.

11.3 Skipperly Intellectual Property

The Platform, including its design, features, functionality, source code, trademarks, logos, and all related intellectual property, is owned by Skipperly and protected by United States and international intellectual property laws. You may not copy, modify, distribute, sell, or create derivative works based on the Platform without Skipperly’s prior written consent.

11.4 DMCA Compliance

Skipperly respects intellectual property rights and will respond to notices of alleged infringement in accordance with the Digital Millennium Copyright Act (DMCA). If you believe that Content on the Platform infringes your copyright, please contact us at the address provided in Section 23.

11.5 Feedback

Any suggestions, feedback, ideas, or recommendations you provide to Skipperly regarding the Platform (“Feedback”) are provided on a non-confidential basis, and Skipperly is free to use such Feedback without restriction, attribution, or compensation to you.

11.6 Content Moderation

Skipperly reserves the right, but has no obligation, to review, monitor, moderate, refuse, or remove any Content at its sole discretion, with or without prior notice. Skipperly may take action against Content that it determines, in its sole discretion, to be false, misleading, defamatory, obscene, harmful to other Users, or damaging to Skipperly’s reputation or business interests. Skipperly may cooperate with law enforcement authorities regarding Content that may violate applicable law. Skipperly shall have no liability for any action or inaction regarding Content moderation, including any decision to remove or not remove any Content.

12. Prohibited Conduct

You agree not to:

(a) Use the Platform for any unlawful purpose or in violation of any applicable law or regulation.

(b) Use the Platform for commercial charter operations, paid passenger services, or any activity that would require a commercial vessel license or USCG Operator of Uninspected Passenger Vessel (OUPV) certification, unless you hold such credentials.

(d) Use the Platform to harass, abuse, threaten, or intimidate other Users.

(e) Attempt to gain unauthorized access to the Platform, other User accounts, or any systems or networks connected to the Platform.

(f) Scrape, crawl, or use automated means to access or collect data from the Platform without Skipperly’s prior written consent.

(g) Upload or transmit viruses, malware, or other harmful code.

(h) Interfere with or disrupt the integrity or performance of the Platform.

(i) Use the Platform to promote or facilitate the sale of controlled substances, illegal weapons, or stolen property.

(j) Create multiple accounts for deceptive or fraudulent purposes.

(k) Operate a Vessel while impaired by alcohol, drugs, or any substance that diminishes your ability to safely operate the Vessel.

(l) Discriminate against any User based on race, color, ethnicity, national origin, religion, sex, gender identity, sexual orientation, disability, marital status, age, or any other characteristic protected by applicable law.

(m) Share, distribute, sell, or disclose any other User’s personal information obtained through the Platform, except as reasonably necessary to organize or participate in an Outing.

(n) Send unsolicited bulk invitations, spam, or promotional messages through Platform messaging or invitation features.

(o) Use the Platform in any manner that would void, jeopardize, or materially impair any insurance coverage maintained by you or any other User in connection with a Vessel or Outing.

13. Assumption of Risk and Safety

13.1 Inherent Risks of Boating

YOU ACKNOWLEDGE AND AGREE THAT RECREATIONAL BOATING IS AN INHERENTLY DANGEROUS ACTIVITY that involves risks of serious bodily injury, death, and property damage. These risks include, but are not limited to: drowning; collision with other vessels, objects, or persons; capsizing; equipment failure; exposure to extreme weather, sun, and water conditions; slipping and falling; marine animal encounters; and the negligent or intentional acts of other persons.

13.2 Voluntary Assumption

By using the Platform and participating in any Outing, you voluntarily assume all risks, known and unknown, associated with such activities, even if arising from the negligence or gross negligence of Skipperly, other Users, or third parties, to the fullest extent permitted by applicable law.

13.3 No Safety Guarantee

Skipperly’s safety-oriented features (including life jacket matching, safety checklists, weather information, and departure checklists) are informational tools provided for convenience only. They do not constitute professional safety advice, maritime consultation, or a guarantee of safety. These tools do not replace the Captain’s independent obligation to ensure the safety of all persons aboard, compliance with maritime law, and exercise of sound seamanship.

13.4 California Waiver

If you are a California resident, you hereby waive California Civil Code Section 1542, which provides: “A general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release and that, if known by him or her, would have materially affected his or her settlement with the debtor or released party.” You understand and acknowledge that the significance and consequence of this waiver of California Civil Code Section 1542 is that even if you should eventually suffer additional loss or damage arising out of your use of the Platform or participation in any Outing, you will not be able to make any claim for those losses.

14. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and disclosure of personal information is governed by our Privacy Policy, available at skipperly.io/privacy. By using the Platform, you consent to the collection and use of your information as described in the Privacy Policy.

Captains acknowledge that certain Guest information (including names, contact information, life jacket sizing, dietary preferences, and waiver signatures) is shared with them through the Platform solely for the purpose of organizing and conducting Outings. Captains agree not to use Guest information for any purpose unrelated to the Outing, and not to sell, share, or disclose Guest information to third parties.

15. Disclaimers

THE PLATFORM IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

Without limiting the foregoing, Skipperly does not warrant that:

(a) The Platform will be uninterrupted, timely, secure, or error-free.

(b) The results obtained from the Platform will be accurate or reliable.

(d) The information provided by the Platform, including safety checklists, life jacket matching, and weather data, is accurate, complete, or current.

(e) Any Captain, Guest, Vessel, or Outing is safe, qualified, legal, or suitable.

(f) Any Digital Waiver is legally enforceable in any particular jurisdiction.

(g) Any Insurance Service will provide adequate coverage for any particular event, claim, or loss.

16. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL SKIPPERLY, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, SUCCESSORS, OR ASSIGNS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, REGARDLESS OF WHETHER SUCH DAMAGES ARE BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, AND EVEN IF SKIPPERLY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT SHALL SKIPPERLY’S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR YOUR USE OF THE PLATFORM EXCEED THE GREATER OF (A) THE AMOUNTS YOU HAVE PAID TO SKIPPERLY IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100.00 USD).

Without limiting the foregoing, Skipperly shall have no liability whatsoever for any bodily injury, death, property damage, or other harm arising from or related to any Outing, Vessel, Captain’s actions or omissions, Guest’s actions or omissions, water conditions, weather, equipment failure, or any other circumstance related to recreational boating activities coordinated through the Platform.

To the extent that applicable law does not permit the limitations set forth in this Section 16, Skipperly’s liability shall be limited to the maximum extent permitted by applicable law.

17. Indemnification

You agree to indemnify, defend, and hold harmless Skipperly, its officers, directors, employees, agents, affiliates, successors, and assigns from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising from or related to:

(a) Your use of or access to the Platform.

(b) Your violation of these Terms.

(d) Any Outing you organize, host, or participate in through the Platform.

(e) Any Content you submit through the Platform.

(f) Any Digital Waiver you create, distribute, or sign through the Platform.

(g) Any bodily injury, death, or property damage arising from an Outing you organized or participated in.

(h) Any dispute between you and another User.

(i) Your tax obligations arising from payments received through the Platform.

18. Dispute Resolution

18.1 Informal Resolution

Before initiating any formal proceeding, you agree to first contact Skipperly at legal@skipperly.io and attempt to resolve any dispute informally for a period of at least thirty (30) days. Most disputes can be resolved without formal proceedings.

18.2 Binding Arbitration

IF WE CANNOT RESOLVE A DISPUTE INFORMALLY, YOU AND SKIPPERLY AGREE THAT ANY DISPUTE, CLAIM, OR CONTROVERSY ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE PLATFORM SHALL BE RESOLVED BY BINDING INDIVIDUAL ARBITRATION, RATHER THAN IN COURT. Arbitration shall be administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules or, if applicable, its Commercial Arbitration Rules. The arbitration shall be conducted by a single arbitrator.

18.3 Arbitration Venue

Arbitration proceedings shall be conducted in the State of Delaware or, at the election of the claimant, in the county of the claimant’s principal residence within the United States, or via telephone, videoconference, or other remote means as permitted by the AAA Rules.

18.4 Class Action Waiver

YOU AND SKIPPERLY AGREE THAT EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person’s claims and may not preside over any form of class or representative proceeding.

18.5 Exceptions to Arbitration

Notwithstanding the above, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of intellectual property rights. Claims within the jurisdiction of small claims court may also be brought in such court.

18.6 Thirty-Day Opt-Out

You may opt out of the arbitration and class action waiver provisions by sending written notice to Skipperly at legal@skipperly.io within thirty (30) days of first accepting these Terms. Your notice must include your name, mailing address, and a clear statement that you wish to opt out of the arbitration clause.

19. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law principles. To the extent that any lawsuit or court proceeding is permitted hereunder, you and Skipperly agree to submit to the personal and exclusive jurisdiction of the state and federal courts located in the State of Delaware or, for matters involving Nebraska state law claims, the state and federal courts located in Douglas County, Nebraska.

20. Termination

You may terminate your account at any time by contacting us or through your account settings. Skipperly may terminate or suspend your access to the Platform at any time, with or without cause and with or without notice. Upon termination, all rights granted to you under these Terms will immediately cease. The following Sections survive termination: 7 (Digital Waivers), 8 (Insurance Services), 11 (User Content and Intellectual Property), 12 (Prohibited Conduct), 13 (Assumption of Risk), 15 (Disclaimers), 16 (Limitation of Liability), 17 (Indemnification), 18 (Dispute Resolution), 19 (Governing Law), and 22 (General Provisions).

21. Third-Party Services and Links

The Platform may contain links to or integrations with third-party websites, services, and applications, including but not limited to payment processors (Stripe), insurance carriers, weather services, calendar applications, and communication platforms. Skipperly does not control and is not responsible for the content, privacy practices, or availability of third-party services. Your use of third-party services is at your own risk and subject to the terms and conditions of those third parties.

22. General Provisions

22.1 Entire Agreement

These Terms, together with the Privacy Policy and any other agreements expressly referenced herein, constitute the entire agreement between you and Skipperly regarding the Platform and supersede all prior and contemporaneous understandings, agreements, representations, and warranties.

22.2 Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving its original intent.

22.3 Waiver

Skipperly’s failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver of any provision shall be effective only if in writing and signed by Skipperly.

22.4 Assignment

You may not assign or transfer these Terms or your rights hereunder without Skipperly’s prior written consent. Skipperly may assign these Terms without restriction, including in connection with a merger, acquisition, asset sale, or similar corporate transaction.

22.5 Force Majeure

Skipperly shall not be liable for any failure or delay in performance resulting from causes beyond its reasonable control, including but not limited to acts of God, natural disasters, pandemics, war, terrorism, government action, internet or telecommunications failures, or power outages.

22.6 Notices

Skipperly may provide notices to you through the Platform, via email to the address associated with your account, or through push notifications. You agree that such electronic notice satisfies any legal requirement that notice be in writing. For material changes to these Terms, Skipperly will provide at least thirty (30) days’ advance notice via email to the address associated with your account before such changes take effect.

22.7 No Agency

Nothing in these Terms creates any agency, partnership, joint venture, employment, or franchise relationship between you and Skipperly. Neither party has the authority to bind the other or incur obligations on the other’s behalf.

22.8 Headings

The section headings in these Terms are for convenience only and have no legal or contractual effect.

22.9 Publicity and Media

You agree not to make any public statement, press release, social media post, or media communication that misrepresents the nature of the relationship between you and Skipperly, including any statement that implies Skipperly operates, controls, endorses, supervises, or is responsible for your Vessel, Outings, or activities. Skipperly reserves the right to issue public clarifications regarding the nature of its Platform and its relationship with Users at any time.

23. Contact Information

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

Skipperly, Inc.
Email: legal@skipperly.io
Website: https://skipperly.io

Acknowledgment and Acceptance

BY CREATING AN ACCOUNT, ACCESSING, OR USING THE SKIPPERLY PLATFORM, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE IN THEIR ENTIRETY, INCLUDING THE BINDING ARBITRATION CLAUSE AND CLASS ACTION WAIVER SET FORTH IN SECTION 18.

Last Updated: June 11, 2026