Terms of Service

1. Agreement

These Terms of Service (“Terms”) form a binding agreement between you and PrepQuickly LLC, a Texas limited liability company (“PrepQuickly,” “we,” “us,” “our”), and govern your access to and use of the PrepQuickly website, web application, APIs, and any related services (collectively, the “Service”).

By creating an account, clicking “I agree,” or otherwise using the Service you agree to these Terms and to our Privacy Policy and Acceptable Use Policy, which are incorporated by reference. If you do not agree, do not use the Service.

2. Eligibility

To use the Service you represent that you:

• are at least 18 years old;
• are a resident of the United States;
• have the legal capacity to enter into this agreement; and
• are not barred from using the Service under applicable US law.

If you are accepting these Terms on behalf of a business or other organization (for example, as a pipeline manager creating a team account), you represent that you have authority to bind that organization. “You” in these Terms includes the organization in that case.

3. The Service

PrepQuickly provides web-based practice tests and study tools designed to help users prepare for life-insurance licensing examinations. Practice tests, scoring, pass thresholds, and content are provided as study aids only. PrepQuickly does not guarantee that you will pass any examination, qualify for any license, or achieve any particular study outcome. The Service is not a substitute for the official exam, official study materials, or licensed legal, financial, or professional advice.

4. Accounts

4.1 Registration

You must create an account to use most features. You agree to provide accurate information and to keep it current. You are responsible for activity that occurs under your account and for safeguarding your password and any multi-factor authentication device.

4.2 Sign-in

We support sign-in with email and password as well as federated sign-in with Google and Facebook through AWS Cognito. Federated sign-in is subject to the third party's terms in addition to ours.

4.3 Account security

Notify us immediately at support@prepquickly.com if you suspect any unauthorized access to your account. You agree not to share your credentials, and we may suspend or terminate accounts being used by more than one person.

5. Free trial, free tier, and paid plans

5.1 Free trial

New accounts receive a 24-hour product-level free trial that grants unlimited access to study features. The trial begins automatically when your account is created and ends 24 hours later regardless of usage.

5.2 Free tier

After the free trial, accounts without a paid subscription fall back to the free tier, which includes capped daily and weekly usage of flashcards, study sessions, and practice exams. Free-tier limits may change from time to time and are described on the relevant in-app screens.

5.3 Paid plans

Paid plans are offered on a recurring basis (e.g., weekly, monthly, or annual) at the prices shown in the checkout flow. Plans automatically renew at the end of each billing period at the then-current price for that plan, until you cancel.

Pipeline (team) plans. A pipeline manager who purchases a team plan grants the active team subscription to current and future members of that pipeline. Team membership is managed through invitations and referral codes; managers may remove members, and individual members may leave a pipeline at any time.

Pipeline managers. Pipeline-management functionality is available to managers regardless of subscription state. A manager's own access to student features requires either an active team subscription on their own pipeline or active membership in another pipeline that has an active team subscription.

5.4 Payments

Payments are processed by Stripe. By providing a payment method you authorize us (through Stripe) to charge that method for fees and applicable taxes. You are responsible for keeping your payment method current.

5.5 Cancellation and refunds

You can cancel at any time from your account settings. Cancellation stops auto-renewal at the end of the current billing period; you keep access to paid features until that date. All sales are final and we do not offer refunds for unused portions of a billing period, except where required by applicable law.

5.6 Failed payments

If a charge fails, we may retry the charge, suspend access to paid features, or downgrade your account to the free tier. We will give you reasonable opportunity to update your payment method before suspending access.

5.7 Price changes

We may change prices on a going-forward basis. We will give you at least 30 days' notice (for example, by email) before any price increase takes effect for your plan. Continuing to use the Service after the effective date constitutes acceptance.

6. Acceptable use

Your use of the Service is subject to our Acceptable Use Policy, which is incorporated into these Terms. Violations may result in suspension or termination of your account.

7. Our intellectual property

PrepQuickly and its licensors own the Service and all associated content, including practice questions, explanations, domain breakdowns, software, design, logos, and trademarks. We grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Service for your own personal, non-commercial study purposes (or, for pipeline managers, for managing your team's study) in accordance with these Terms.

You may not, except as expressly permitted:

• copy, reproduce, distribute, publish, or republish PrepQuickly content;
• use any of our content to train, fine-tune, or evaluate any machine-learning model;
• scrape, mirror, or otherwise systematically extract data from the Service;
• create derivative works from the Service or its content;
• remove or obscure any proprietary notices.

8. Your content and feedback

You retain any rights you have in content you submit through the Service (for example, support messages or feedback). You grant PrepQuickly a worldwide, royalty-free, non-exclusive, sublicensable license to use, store, reproduce, and display that content as necessary to operate, improve, and support the Service. Feedback you give us may be used without obligation or compensation.

9. Privacy

Our collection and use of personal information is described in our Privacy Policy. By using the Service you consent to the practices described there.

10. Third-party services

The Service depends on third-party providers including Amazon Web Services (hosting, authentication via Cognito, email via SES), Stripe (payments), Google (OAuth and related services), and Meta/Facebook (OAuth). Your use of those providers' services is subject to their respective terms. We are not responsible for third-party services or their availability.

11. Changes to the Service

We may add, remove, or change features at any time. We may also limit access to specific features or to users in specific locations. We will not materially reduce the core practice-test functionality of a paid plan during a paid billing period without offering you a refund of the unused portion or a comparable feature.

12. Suspension and termination

By you. You may stop using the Service and close your account at any time from account settings.

By us. We may suspend or terminate your access immediately if you breach these Terms or the Acceptable Use Policy, if we detect fraud or abuse, if we are required to do so by law, or if your account remains inactive for an extended period. We may terminate your account for any other reason on at least 30 days' notice.

Effect. On termination, your license to the Service ends and we may delete your account data after a reasonable retention period (see Privacy Policy). Sections that by their nature should survive termination (for example, intellectual property, disclaimers, limitations of liability, indemnification, dispute resolution, and these survival terms) survive.

13. Disclaimers and limitations of liability

13.1 “As is”

THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, PREPQUICKLY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, THAT DEFECTS WILL BE CORRECTED, OR THAT ANY CONTENT IS COMPLETE OR ACCURATE.

13.2 No exam guarantee

PrepQuickly does not promise that using the Service will result in passing any licensing examination or achieving any particular score.

13.3 Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, PREPQUICKLY AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITIES, ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL CUMULATIVE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID PREPQUICKLY IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) FIFTY US DOLLARS (US$50). SOME JURISDICTIONS DO NOT ALLOW THESE LIMITATIONS, SO SOME OR ALL OF THE ABOVE MAY NOT APPLY TO YOU.

14. Dispute resolution — binding arbitration and class waiver

Please read this section carefully.

14.1 Informal resolution first

Before filing arbitration, you and PrepQuickly agree to try to resolve the dispute informally. Send a written notice of the dispute to support@prepquickly.com with the subject line “Notice of Dispute,” describing the claim and the relief sought. We will negotiate in good faith for at least 60 days before either of us starts arbitration.

14.2 Binding individual arbitration

Except as provided in 14.4 and 14.5, you and PrepQuickly agree to resolve any dispute arising out of or relating to these Terms or the Service through binding individual arbitration. Arbitration will be administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules. The Federal Arbitration Act governs the interpretation and enforcement of this section. The arbitration will take place in Texas or, at your request, by phone or video. Judgment on the award may be entered in any court of competent jurisdiction.

14.3 Class-action waiver

You and PrepQuickly each agree that any dispute will be brought in our individual capacities only, not as a plaintiff or class member in any class, collective, or representative proceeding. The arbitrator may not consolidate more than one person's claims and may not preside over any form of representative or class proceeding.

14.4 Small-claims and IP carve-outs

Either party may bring an individual action in small-claims court for disputes within that court's jurisdiction. Either party may also seek injunctive or other equitable relief in court to protect intellectual-property rights.

14.5 30-day arbitration opt-out

You may opt out of the arbitration agreement and class-action waiver in this Section 14 by emailing support@prepquickly.com with the subject line “Arbitration Opt-Out” within 30 days of first accepting these Terms. Include your name and the email address associated with your account. Opting out has no effect on any other part of these Terms.

14.6 Severability

If the class-action waiver is found unenforceable in a particular case, the rest of this Section 14 will still apply unless prohibited by law. If the entire Section 14 is found unenforceable, the dispute will be resolved in court under Section 15.

15. Governing law and venue

These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-laws rules. To the extent any dispute is not subject to arbitration, you and PrepQuickly consent to the exclusive jurisdiction of the state and federal courts located in Texas.

16. Indemnification

You agree to indemnify and hold harmless PrepQuickly and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of (a) your use of the Service, (b) your violation of these Terms or the Acceptable Use Policy, or (c) your violation of any third-party right.

17. Changes to these Terms

We may update these Terms from time to time. When we make material changes we will update the “Last updated” date and notify registered users by email and/or a notice in the Service. Your continued use of the Service after the effective date is acceptance of the updated Terms. If you do not agree, stop using the Service.

18. General

• Entire agreement. These Terms (with the Privacy Policy and Acceptable Use Policy) are the entire agreement between you and us regarding the Service.
• Severability. If any provision is found unenforceable, the rest remains in effect.
• No waiver. Our failure to enforce any right is not a waiver.
• Assignment. You may not assign these Terms without our consent. We may assign them, including in a merger, acquisition, or sale of assets.
• No third-party beneficiaries. These Terms are for the benefit of you and PrepQuickly only.
• Force majeure. We are not liable for delays or failures caused by events beyond our reasonable control.
• Notices to us: by email to support@prepquickly.com. Notices to you: to the email on file or via the Service.

19. Contact

PrepQuickly LLC (Texas)
Email: support@prepquickly.com
Mailing address: available on request.