1. Introduction
Welcome to Blink, a Florida-licensed mobile application developed and operated by Rise Digital Financial Corp in Miami, Florida. As a state-licensed lender, we provide cash advances to Florida residents, adhering to all Florida lending regulations and consumer protection laws.
2. Description of Services
Blink provides short-term cash advances of $200, as well as basic fina ncial insights and budgeting tools.
2.1. Cash Advance Mechanics
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Eligibility: Blink's algorithm reviews bank account data to assess whether a User qualifies for a cash advance.
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2.1 Cash Advance Amount: Blink Cash advances are fixed at $200 per advance.
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One Active Advance: Only one active advance is permitted at a time.
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Repayment Term: Repayment dates must be set within 31 days of the advance.
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Instant Advance: Funds transferred within minutes for a flat fee of $25.
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Standard Advance: Funds transferred in 1–3 business days for a flat fee of $20.
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Early Repayment: 10% fee discount when choosing 7-day repayment.
4. Fees, Repayment & Renewals
Our fee structure is transparent and straightforward, with no hidden charges.
4.1. Fees
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Instant Advance Fee: $24.99 for immediate fund disbursement
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Standard Advance Fee: $19.99 for ACH transfer (1-3 business days)
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10% discount on Blink velocity fee when selecting 7-day repayment timeframe
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All fees are clearly disclosed before transaction confirmation
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No hidden fees or additional charges
4.2. Repayment
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Select repayment date within 31 days of advance
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Automatic debit of principal plus flat fee
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Authorization required for payment processing
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User responsible for sufficient funds availability
4.3. Renewals & Additional Advances
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Only one active advance permitted at a time
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New advance available after full repayment
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Subject to ongoing eligibility criteria
5. User Responsibilities & Conduct
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Comply with Terms and applicable laws
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Use services for lawful purposes only
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Maintain accurate account information
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Protect login credentials
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Report unauthorized access immediately
6. Disclaimers & Limitations
Important limitations and legal disclaimers regarding our services.
6.1. No Guarantee of Approval
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Approval based on internal models
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Subject to change
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No automatic qualification
6.2. Not a Traditional Loan
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Short-term cash advance product
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May be classified as loans in some jurisdictions
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Compliant with lending regulations
6.3. Limited Liability
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No liability for indirect damages
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Not responsible for third-party fees
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Limited to direct damages only
6.4. "As Is" Services
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Provided as-is without warranties
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No guarantee of continuous availability
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Subject to technical limitations
7. Privacy & Data
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Data handled according to Privacy Policy
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Secure Open Banking API integration
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Personal data protection measures
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Third-party data sharing limitations
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User control over data access
8. Modifications to Services & Terms
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Right to modify services without notice
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Terms updates with user notification
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Continued use implies acceptance
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Material changes require acknowledgment
9. Dispute Resolution & Governing Law
Legal framework for resolving disputes and applicable laws.
9.1. Governing Law
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Florida state law applies
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Conflict-of-law principles excluded
9.2. Dispute Resolution
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Binding arbitration requirement
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Small claims court exception
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Waiver of court trial
9.3. Class Action Waiver
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Individual capacity claims only
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No class action participation
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No representative proceedings
10. Termination
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Either party may terminate agreement
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Outstanding obligations remain
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Account suspension for violations
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Data retention post-termination
11. Contact Us
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Rise Digital Financial Corp
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Email: info@blinkfinances.com
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Phone: (800) XXX-XXXX
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Address: [Florida Address]
12. Entire Agreement
These Terms, Privacy Policy, and referenced policies constitute the complete agreement between you and Blink, superseding all prior agreements.
Acknowledgment
By using Blink, you acknowledge that you have read, understood, and agreed to these Terms of Service. If you do not agree, you must discontinue using Blink immediately.