Terms and Conditions

Use of the Blink App and access to Blink's Earned Wage Access services are restricted to individuals who meet all of the following criteria. The user must be at least eighteen (18) years of age or the age of majority in their state of residence, whichever is greater. Furthermore, the user must be a lawful resident of the United States and currently reside in a jurisdiction where Blink operates and is authorized to deliver its services. Presently, Blink's services are available exclusively in the State of Florida, with potential expansion to additional states at Blink's discretion.

The user must possess a valid and active checking account issued by a U.S.-based financial institution that supports ACH transactions. This account must be in good standing and not subject to any legal encumbrances or limitations that would prevent successful electronic funds transfer. Users must also provide accurate and verifiable personal and financial information including, but not limited to, full legal name, residential address, date of birth, social security number (where applicable), employer information, and access credentials for bank account linking through authorized third-party providers.

Blink reserves the absolute right, in its sole discretion, to deny access to its services or suspend an existing account without prior notice, should it detect discrepancies, suspicious activity, or potential violations of any eligibility requirement. Blink may also disqualify any applicant or user who provides inaccurate, misleading, or fraudulent information or who otherwise attempts to circumvent Blink's identity verification protocols or risk-based assessment tools. Nothing in these Terms shall be construed as a guarantee or entitlement to receive Blink services.

The BlinkAdvance® service is a core feature of the Blink App, designed to provide eligible users with non-recourse, earned wage access ('EWA') in the form of a fixed-sum advance based on income already accrued but not yet paid. This service does not constitute a loan or credit facility and is not governed by the Truth in Lending Act (TILA). BlinkAdvance® is offered as a financial convenience product aligned with applicable state and federal guidance on earned wage access.

Eligible users may request an advance of up to two hundred dollars ($200.00) per pay period. The exact amount of the advance for which a user may qualify is determined solely by Blink's proprietary decisioning model, which incorporates risk assessment, income verification, repayment behavior, and financial transaction patterns obtained through authorized open banking data access. The approved amount may vary per user and per transaction at Blink's discretion.

The user agrees to pay a flat transaction fee as consideration for the use of the BlinkAdvance® service. The fee will be disclosed clearly prior to each transaction and is not dependent on the size of the advance. For users selecting standard processing via Automated Clearing House (ACH), a flat fee of twenty dollars ($20.00) shall apply, and funds will be disbursed within one to two (1–2) business days. For users selecting expedited disbursement via Real-Time Payment (RTP), a flat fee of twenty-five dollars ($25.00) shall apply, with funds typically delivered within minutes, subject to payment network availability and bank partner cooperation.

Users who repay the full balance of the advance within seven (7) calendar days of disbursement shall receive a ten percent (10%) discount applied to the original transaction fee. This Early Repay Reward will be automatically credited at the time of repayment. Blink reserves the right to modify, suspend, or discontinue this reward at any time without prior notice.

For the avoidance of doubt, the BlinkAdvance® service is considered effective and contractually initiated at the moment the user authorizes the disbursement request through the Blink App interface, irrespective of the chosen settlement method. The user's authorization establishes the formal commencement of the earned wage access transaction, as the service pertains to the right to access wages already earned rather than the timing of fund receipt. The disbursement method selected—whether standard (ACH) or expedited (RTP)—merely determines the operational speed at which the funds are transmitted and is treated separately as a fee-based facilitation service related to payment processing infrastructure, not to the availability or timing of wage access itself. This distinction reflects common industry practices regarding the optional use of faster clearing rails and bears no effect on the legal nature or initiation point of the advance.

At any given time, users may only hold one (1) active BlinkAdvance®. A new advance may not be requested until the outstanding balance, including the associated transaction fee, is paid in full and successfully cleared. Blink does not permit advance stacking or rollover; unpaid balances are not refinanced, extended, or carried forward.

Blink does not assess interest or annual percentage rates (APR) under any circumstance. The transaction fee is fixed, disclosed in advance, and does not vary with repayment timing or user behavior, except as explicitly defined by the Early Repay Reward. Blink does not perform credit inquiries, nor does it report repayment activity to any consumer reporting agency.

All BlinkAdvance® transactions are discretionary. Blink reserves the unilateral right to approve or deny any advance request based on eligibility, underwriting outcomes, risk controls, or compliance concerns. Use of the BlinkAdvance® service is entirely optional and must be affirmatively selected and authorized by the user for each disbursement.

The BlinkInsights® feature is a complimentary and non-binding financial information service provided by Blink as part of the Blink App. Its primary purpose is to empower users with personalized financial data analysis, aiming to improve awareness and understanding of individual spending behaviors, income stability, and overall cash flow management. Use of BlinkInsights® is voluntary and is not a condition of eligibility for BlinkAdvance® or any other Blink product.

BlinkInsights® aggregates and analyzes financial data obtained from user-linked external financial accounts. Through authorized third-party data aggregators, Blink accesses transactional records, balance histories, recurring debits, deposits, and other indicators of financial behavior. This information is then utilized to generate individualized financial summaries, alerts for recurring expenses, anticipated low-balance warnings, and recommendations for budgetary adjustments or savings behavior.

It is expressly acknowledged by the user that BlinkInsights® is an informational service only and does not constitute legal, tax, investment, or financial advice. Users should consult appropriate licensed professionals for advice regarding personal financial decisions. The user agrees that reliance upon any insights, reports, or suggestions provided through the Blink App is entirely at their own discretion and risk.

While Blink strives to ensure the accuracy and timeliness of all financial insights, no guarantee is made as to their completeness, real-time accuracy, or fitness for any specific purpose. Delays, omissions, or misrepresentations may occur due to latency in third-party data integration or discrepancies in the user's external financial accounts. Blink disclaims any liability for decisions made by the user based on information presented via BlinkInsights®.

Blink reserves the right to modify or discontinue the BlinkInsights® feature at any time without prior notice. Blink may also limit access to this feature in the event of suspected misuse, data integrity concerns, or upon termination of a user's eligibility to participate in Blink's broader service offerings.

In order to provide core functionalities such as BlinkAdvance® and BlinkInsights®, the Blink App requires access to user-permissioned financial data through third-party data aggregation services, including but not limited to Plaid Inc. By linking your external bank account(s) within the Blink App, you explicitly consent to the collection, use, and storage of your financial data for the purpose of service delivery, eligibility assessment, fraud prevention, compliance verification, and operational enhancements.

Upon granting access, Blink is authorized to retrieve a range of financial information including, but not limited to: current account balances, historical transaction records, deposit and withdrawal activity, recurring payment obligations, income flow patterns, and any additional metadata necessary to support Blink's decision-making processes and analytical tools. This data is utilized to determine your eligibility for BlinkAdvance®, to inform the risk management protocols, and to deliver real-time insights within the Blink App through BlinkInsights®.

All financial information accessed through third-party providers is encrypted using industry-standard security protocols both in transit and at rest. Blink adheres to all applicable federal and state data protection regulations, including but not limited to the Gramm-Leach-Bliley Act (GLBA), and has implemented robust internal access controls and governance procedures to safeguard user data. Blink does not sell, lease, or commercially exploit user financial data under any circumstances.

Users may withdraw their consent for ongoing data access at any time by disconnecting their linked financial accounts through the Blink App interface. Upon revocation, Blink will cease retrieving new data; however, previously collected data may continue to be stored and processed in accordance with Blink's Privacy Policy and applicable laws, including retention requirements for legal, regulatory, and compliance purposes.

Any request to permanently delete user data must be submitted in writing and will be subject to identity verification and consideration of any outstanding balances or regulatory retention obligations. Blink will make reasonable efforts to respond to such requests in a timely and lawful manner.

Use of the Blink App and its services constitutes express acknowledgment and acceptance of the aforementioned data access and use terms. Users who do not wish to grant access to their financial data will not be able to utilize BlinkAdvance® or related features that require banking integration.

All Blink Advances disbursed to eligible users are subject to mandatory automatic repayment via ACH debit transaction on the date selected by the user at the time of disbursement confirmation. By initiating a BlinkAdvance®, the user agrees and authorizes Blink, through its authorized payment processing partners, to withdraw from their linked financial account an amount equal to the original advance amount plus the applicable fixed transaction fee as disclosed during the transaction confirmation.

Repayment is scheduled on a user-specified date, which must fall within fifteen (15) calendar days of the date of disbursement. On the scheduled repayment date, Blink will initiate an ACH debit from the user's linked account. The user is solely responsible for ensuring that sufficient funds are available in their account to cover the full repayment amount. Should the available balance in the linked account be insufficient to satisfy the full repayment amount, Blink may attempt to debit a partial amount equal to the funds currently available. If the account balance is less than one dollar ($1.00), Blink may refrain from initiating the debit and will reattempt the transaction on the following business day.

In the event that a repayment is not successfully completed within the originally selected date, Blink will continue to attempt to collect the outstanding balance for a grace period of sixty (60) calendar days. During this grace period, Blink will initiate retry debits on a daily basis. In addition, a fixed administrative fee of one dollar ($1.00) will accrue for every forty-eight (48) hour period during which the full repayment remains outstanding. This administrative fee is capped at a reasonable level to ensure compliance with applicable consumer protection standards and to avoid punitive or unconscionable collection practices.

During any period in which an advance remains partially or fully unpaid, the user will not be eligible to receive a new BlinkAdvance®. Access to other services within the Blink App may also be suspended, at Blink's discretion, until all outstanding balances are repaid in full. The user may contact Blink's support team to request a modified repayment plan or to report financial hardship; Blink reserves the right, but is not obligated, to grant extensions or waive fees in its sole discretion.

The user acknowledges that failure to maintain sufficient funds may result in overdraft fees or nonsufficient funds (NSF) fees charged by their financial institution. Blink does not impose overdraft or NSF fees and bears no responsibility for charges assessed by the user's bank as a consequence of a failed debit.

The user's continued use of the BlinkAdvance® service constitutes acceptance of these repayment terms. It is the user's obligation to review and understand the repayment obligations prior to initiating each transaction. For questions about repayment or to discuss account options, users may contact Blink at support@blinkfinances.com.

As a condition of continued use of the Blink App and its associated services, including but not limited to BlinkAdvance® and BlinkInsights®, all users must fulfill a set of responsibilities designed to ensure the integrity, compliance, and operational reliability of the Blink platform.

Each user agrees to provide accurate, complete, and up-to-date personal information during registration and at all times thereafter. This includes, but is not limited to, legal name, physical address, date of birth, employment status, and any other information reasonably required by Blink to verify identity, assess eligibility, and comply with applicable regulatory requirements such as Know Your Customer (KYC) and Anti-Money Laundering (AML) protocols.

Users must maintain the integrity of their linked bank account(s) by ensuring that sufficient funds are available on the scheduled repayment date to fully satisfy any outstanding BlinkAdvance®, including the applicable transaction fee. The user agrees to actively monitor their account activity and to notify Blink immediately upon becoming aware of any anomalies, errors, or unauthorized access. In the event a user anticipates an inability to fulfill their repayment obligation due to insufficient funds or hardship, they must contact Blink in advance to discuss potential remedies, including, but not limited to, deferred repayment or temporary account suspension.

Furthermore, users agree not to engage in any action that misrepresents their income, falsifies transaction history, or otherwise manipulates financial information with the intent to deceive Blink's underwriting or risk evaluation processes. Such conduct constitutes a material breach of these Terms and may result in immediate account termination, referral to relevant regulatory authorities, and potential civil or criminal liability.

Blink requires users to communicate any desired changes to their linked financial account, repayment schedule, or contact information in writing with no fewer than three (3) business days' notice prior to the scheduled transaction date. Failure to provide timely notice may result in missed payments, system-generated fees, and disruption of service access.

By continuing to use the Blink App, the user expressly acknowledges and agrees to comply with the above responsibilities. Failure to meet these obligations may result in the temporary or permanent suspension of access to Blink services, denial of future BlinkAdvance® eligibility, or other remedial actions as deemed appropriate by Blink in its sole discretion.

As a condition of using BlinkAdvance® and related services, the user provides express written authorization to Blink, as well as its designated third-party payment processors, to initiate electronic funds transfers to and from the user's linked deposit account through the Automated Clearing House (ACH) network. This authorization encompasses both debit and credit entries, including the collection of repayment amounts associated with Blink Advances, transaction fees, and any applicable administrative charges, as well as the disbursement of refunds, reversals, or Early Repay Rewards where applicable.

This authorization shall be deemed ongoing and shall remain in full force and effect until such time that the user submits a written notice of revocation to Blink, delivered via the prescribed communication channels, and with no fewer than three (3) full business days' notice prior to any scheduled debit or credit transaction. Any attempt to revoke authorization that does not comply with this timeline may result in the processing of pending authorized entries before cancellation is effected.

All ACH transactions conducted under this authorization shall be governed by the rules and operating procedures of the National Automated Clearing House Association (NACHA), as well as any applicable laws or regulations enforced by state or federal banking authorities. The user affirms that they are the lawful holder and/or authorized signatory of the bank account linked to the Blink App and that said account is not subject to any legal restrictions or third-party claims that would impair the enforceability of this authorization.

Blink shall not be liable for any fees or charges assessed by the user's financial institution, including but not limited to overdraft fees, nonsufficient funds (NSF) fees, or processing charges arising from unsuccessful debit attempts. It is the user's responsibility to ensure that adequate funds are maintained in the linked account and to promptly notify Blink of any changes in account status or banking relationship that may affect ACH transaction processing.

By initiating a BlinkAdvance® or by continuing to use the Blink App, the user reaffirms and ratifies their ACH authorization as set forth herein.

Blink endeavors to maintain a consistent, secure, and uninterrupted user experience. However, the user expressly acknowledges and agrees that access to the Blink App and its associated services, including BlinkAdvance® and BlinkInsights®, may occasionally be delayed, suspended, or disrupted due to routine maintenance, updates, third-party system outages, telecommunications interruptions, or events beyond Blink's reasonable control, including but not limited to force majeure events such as natural disasters, civil unrest, or governmental intervention.

Blink shall not be held liable for any inability to access the Blink App or delay in the provision of services resulting from such occurrences. Blink does not guarantee continuous or error-free operation of the App, nor does it warrant that all functions will be available at all times or that all defects will be corrected promptly or without consequence.

Blink reserves the right, in its sole discretion and without prior notice, to suspend, modify, discontinue, or limit access to the App, or to any feature or functionality thereof, at any time. This includes the right to temporarily or permanently suspend user accounts based on usage behavior, system integrity concerns, compliance findings, or failure to adhere to these Terms. Blink also retains the authority to refuse any request for a BlinkAdvance® for any reason or no reason at all, including without limitation eligibility changes, risk assessment results, or limitations imposed by payment partners or regulatory updates.

Additionally, Blink may place limits on the frequency or amount of advances, implement blackout periods during which no disbursements are issued, or apply usage thresholds to ensure operational stability and equitable service distribution among users. These operational safeguards are necessary to ensure the long-term integrity and regulatory compliance of the Blink platform.

By continuing to use Blink, the user accepts the inherent limitations of digital service delivery and acknowledges that Blink bears no liability for service interruptions that do not result from gross negligence or willful misconduct.

Blink is committed to transparency and consumer protection by providing clear, conspicuous, and pre-transactional disclosure of all applicable fees. Users will be presented with a full summary of charges associated with each BlinkAdvance®, including the specific transaction fee amount, the disbursement method selected, and any associated processing timelines, prior to final confirmation and authorization.

Blink does not charge interest, annual percentage rates (APR), variable repayment fees, hidden charges, gratuities, or voluntary tips. All costs associated with use of the BlinkAdvance® product are fixed, flat-fee transactions disclosed and agreed to in advance. The fee structure for BlinkAdvance® is not contingent upon the advance amount, repayment behavior, or user profile beyond the selection of disbursement method (ACH vs. RTP). Blink does not impose late fees, rollover fees, or penalty interest.

Although Blink does not assess overdraft or nonsufficient funds (NSF) fees, users may incur such fees from their financial institution if a debit initiated by Blink fails due to insufficient account balance. Blink assumes no responsibility or liability for fees or penalties imposed by the user's bank, nor shall Blink be held liable for indirect or consequential financial outcomes arising from failed repayment attempts.

Blink reserves the right to update or modify its fee schedule at any time, provided that no such changes shall apply retroactively. In the event of a material change to fee structures or related policies, Blink shall issue a notice to users via in-app messaging or email communication at least seven (7) days prior to the effective date of such changes. Continued use of Blink services after the effective date of any such modifications shall constitute the user's acceptance of the updated fee structure.

Blink shall maintain records of all disclosed fees and user acknowledgments in accordance with applicable regulatory and compliance standards. All fee disclosures are deemed to be provided in compliance with consumer financial protection frameworks relevant to non-loan earned wage access products.

Blink operates under a robust compliance framework designed to adhere to applicable federal, state, and local regulatory obligations related to earned wage access services, consumer financial protection, data privacy, and electronic fund transfers. Blink expressly affirms that it does not engage in lending activities and that BlinkAdvance® does not constitute a loan, credit extension, or deferred payment product within the meaning of the Truth in Lending Act (TILA), Regulation Z, or any comparable lending statute.

Blink classifies its BlinkAdvance® product as a non-recourse, non-interest-based earned wage access solution structured to provide users with access to wages already accrued but not yet disbursed. Blink does not impose interest or finance charges and does not perform credit checks or report payment activity to consumer credit reporting agencies. These structural elements are intended to ensure compliance with existing guidance issued by state financial regulators, the Consumer Financial Protection Bureau (CFPB), and applicable fintech industry standards.

Blink maintains compliance with Anti-Money Laundering (AML) and Know Your Customer (KYC) regulations. All users are subject to identity verification procedures, and user activity is monitored using automated tools designed to detect suspicious transactions and prevent fraudulent activity. Blink's compliance protocols include periodic audits, staff training, secure data handling, and a zero-tolerance policy toward misuse of its services.

Blink is not a licensed money transmitter, credit services organization, or financial institution, and it does not take custody of user funds beyond the limited scope required for advance disbursement and repayment. Blink does not escrow, invest, or redirect user funds for any purpose unrelated to the core provision of the BlinkAdvance® service.

In jurisdictions where additional licensing or disclosures are required to operate earned wage access programs, Blink shall comply with all applicable registration, reporting, and operational requirements. Blink reserves the right to modify its service structure, fee model, or compliance posture as needed to ensure ongoing regulatory alignment.

By using Blink, users acknowledge that the product is designed to operate in accordance with established non-credit EWA frameworks and that Blink is committed to upholding all applicable legal and regulatory obligations.

To the fullest extent permitted by applicable law, Blink, including its affiliates, officers, directors, employees, agents, licensors, service providers, and successors, shall not be liable for any indirect, incidental, special, punitive, or consequential damages whatsoever, including without limitation damages for loss of income, loss of profits, loss of data, business interruption, or reputational harm arising out of or in connection with (i) your access to or use of, or inability to access or use, the Blink App or any component thereof; (ii) delays, failures, or disruptions of any kind in the operation of the Blink App or in the delivery of BlinkAdvance® or BlinkInsights®; (iii) unauthorized access to or alteration of your transmissions or data; (iv) any failure of a third-party payment processor, financial institution, or open banking provider utilized in the delivery of Blink services; or (v) any other matter relating to the Blink App or the services provided therein, regardless of the legal theory asserted and whether or not Blink has been advised of the possibility of such damages.

Blink's total aggregate liability to you for any and all claims arising out of or related to your use of the Blink App and its services shall not exceed, under any circumstances, the amount of the most recent BlinkAdvance® transaction fee paid by you. This limitation of liability is a fundamental element of the bargain between Blink and its users and shall apply even if any limited remedy fails of its essential purpose.

Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages; in such jurisdictions, Blink's liability is limited to the maximum extent permitted by law.

To promote the efficient resolution of disputes and to minimize the cost and uncertainty associated with litigation, you and Blink agree that any dispute, claim, or controversy arising out of or relating to these Terms, your use of the Blink App, or any services provided by Blink (whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory) shall be resolved through final and binding arbitration administered by the American Arbitration Association (AAA) in accordance with its Consumer Arbitration Rules then in effect.

The arbitration will be conducted in English and take place in the county where you reside, unless otherwise mutually agreed. The arbitration shall be presided over by a single neutral arbitrator, and judgment on the arbitrator's award may be entered in any court of competent jurisdiction. The arbitrator shall have exclusive authority to resolve any dispute relating to the interpretation, applicability, enforceability, or formation of these Terms, including the arbitrability of any dispute and any claim that all or any part of these Terms is void or voidable.

You acknowledge and agree that by entering into these Terms, you and Blink are each waiving the right to a trial by jury or to participate in a class action or class arbitration. All claims and disputes must be brought on an individual basis and not on a class, consolidated, or representative basis. The arbitrator shall have no authority to consolidate claims or award class-wide relief.

You may opt out of this arbitration agreement by providing written notice to Blink at support@blinkfinances.com within thirty (30) calendar days of your initial acceptance of these Terms. The opt-out notice must include your full name, address, and a clear statement that you wish to opt out of mandatory arbitration. Opting out of arbitration will not affect your other rights or responsibilities under these Terms.

This arbitration provision shall survive the termination of your relationship with Blink and the cessation of your use of the Blink App.

These Terms and Conditions and any dispute arising from or relating to the subject matter hereof shall be governed and interpreted in accordance with the internal laws of the State of Florida, United States of America, without regard to its conflict of laws principles. This governing law provision applies regardless of your place of residence or the location from which you access or use the Blink App.

To the extent any claim arising under these Terms is determined to be non-arbitrable under Section 12 or is otherwise permitted to be brought before a court of law, such claim shall be submitted exclusively to the appropriate state or federal courts located in Miami-Dade County, Florida. You hereby irrevocably submit to the personal jurisdiction of such courts and waive any objection based on inconvenient forum, venue, or jurisdiction to the extent permitted by law.

Nothing in this section shall preclude Blink from seeking equitable relief, including injunctive or other provisional remedies, in any jurisdiction where such relief is deemed necessary to protect Blink's rights or to preserve the status quo pending arbitration or judicial proceedings.

Blink reserves the right, at its sole discretion, to modify, amend, supplement, or replace these Terms and Conditions at any time. Any such modifications will become effective upon posting a revised version of the Terms within the Blink App or on Blink's official website, or upon delivery of electronic notice to users via their registered email address, as determined by Blink in its sole discretion.

In the case of material modifications that may substantively impact users' rights or obligations, Blink shall endeavor to provide reasonable prior notice, no fewer than seven (7) calendar days in advance of the effective date, unless immediate implementation is required by legal, regulatory, or security concerns. Material changes may include, but are not limited to, revisions to service eligibility, fee structures, dispute resolution provisions, or terms governing data access and privacy.

By continuing to access or use the Blink App after the effective date of any changes, users signify their acceptance of the revised Terms. If a user does not agree to the modified Terms, they must cease all use of the Blink App and its associated services and may request account deactivation by contacting Blink Support.

It is the responsibility of the user to review the Terms periodically to ensure ongoing awareness and compliance. Blink shall not be liable for any loss or liability resulting from a user's failure to read or act upon a notice of amendment.

All notices, legal inquiries, or other formal communications required or permitted under these Terms shall be made in writing and delivered to Blink through one of the following official communication channels:

By email: support@blinkfinances.com

Through the Blink App: via in-app support or secure messaging functionality, where available

Users agree to receive all communications and disclosures from Blink electronically, either by email or through the Blink App, unless otherwise required by law. Such communications include, but are not limited to, amendments to these Terms, legal notices, account updates, transaction confirmations, compliance requests, and other disclosures related to Blink services.

It is the user's responsibility to ensure that the email address and contact information associated with their Blink account remains accurate and up to date. Users who fail to maintain current contact information waive any claim arising from the failure to receive required communications.

Any notice sent by Blink shall be deemed received by the user upon (i) transmission, if sent via email to the user's registered email address, or (ii) seventy-two (72) hours after mailing, if sent via U.S. Postal Service to the last known mailing address provided by the user, unless return receipt indicates otherwise.

All user-initiated notices shall be deemed received upon actual receipt and acknowledgement by Blink. Users seeking support, clarification of these Terms, or to report any service-related issue should direct such communications to the Blink Support Team during regular business hours:

Blink Support Team

support@blinkfinances.com

Monday–Friday, 9:00 AM to 5:00 PM (Eastern Standard Time)

Users acknowledge and agree that all communication between the parties may be recorded or archived by Blink for quality assurance, dispute resolution, and regulatory compliance purposes, subject to applicable law.