Terms of Service

Effective Date: April 12, 2026
Last Updated: April 12, 2026

These Terms of Service (“Terms”) are a binding agreement between you and Actuarial Exams Tutor (“Actuarial Exams Tutor,” “Company,” “we,” “us,” or “our”). These Terms govern your access to and use of actuarialstudytutor.com, our applications, artificial-intelligence tutoring tools, subscription services, and related features and content (collectively, the “Service”).

By creating an account, purchasing a subscription, clicking an acceptance button, or otherwise accessing or using the Service, you agree to these Terms and acknowledge our Privacy Policy. If you do not agree, do not access or use the Service.

1. Eligibility

You must be at least 18 years old, or the age of legal majority where you live, to enter into these Terms independently.

A person under the age of legal majority may use the Service only with the consent and supervision of a parent or legal guardian who agrees to these Terms on that person’s behalf.

If you use the Service for or on behalf of an organization, you represent that you have authority to bind that organization to these Terms.

2. Description of the Service

The Service provides artificial-intelligence-assisted educational explanations, tutoring, mathematical reasoning, study support, source references, and related tools intended primarily for actuarial education and exam preparation.

The Service may use:

• artificial-intelligence models supplied by third parties;
• retrieval-augmented generation and search technologies;
• limited passages or information retrieved from reference materials;
• user-submitted questions, problems, documents, images, and instructions; and
• proprietary prompts, software, databases, educational materials, and evaluation systems.

The Service is an educational aid. It is not a textbook library, official course provider, professional actuarial opinion, or substitute for independently reviewing authoritative source materials.

We may add, remove, suspend, modify, or discontinue features at any time.

3. Independent Service; No Endorsement

Actuarial Exams Tutor is independently operated.

Unless we expressly state otherwise in writing, the Service is not affiliated with, approved by, sponsored by, licensed by, or endorsed by:

• the Society of Actuaries;
• the Casualty Actuarial Society;
• any actuarial examination organization;
• any university, employer, author, publisher, study-material provider, or professional association; or
• any company whose product, publication, trademark, or material may be identified or cited through the Service.

References to examinations, syllabi, organizations, publications, authors, companies, products, or trademarks are provided for identification and educational purposes only.

All third-party trademarks, titles, publications, and associated rights remain the property of their respective owners.

4. Educational Use and No Guarantee of Results

The Service is intended for learning, practice, review, and general informational purposes.

We do not guarantee:

• admission to an examination;
• eligibility for a professional credential;
• a passing examination score;
• academic or professional advancement;
• accuracy or completeness of any answer;
• correspondence between generated answers and an examination organization’s expected methodology; or
• that any information remains current.

Your performance depends on many factors beyond our control. You are solely responsible for confirming applicable syllabus requirements, examination rules, registration requirements, deadlines, formulas, methods, and source material.

5. Artificial-Intelligence Outputs

The Service generates content using artificial intelligence. Generated answers may be inaccurate, incomplete, outdated, misleading, internally inconsistent, or mathematically incorrect.

Artificial-intelligence systems can produce plausible-sounding errors and may:

• misinterpret a question;
• use an incorrect formula or assumption;
• make arithmetic or symbolic errors;
• omit a material condition;
• cite an irrelevant or imperfect source;
• attribute information incorrectly; or
• fail to reflect current examination requirements.

You must independently verify outputs before relying on them.

You may not rely on the Service as the sole basis for any professional, financial, insurance, actuarial, legal, medical, employment, academic-integrity, or business decision.

6. Source References and Limited Excerpts

The Service may identify, quote, summarize, paraphrase, or refer to limited portions of third-party reference materials when providing educational context.

Any citation, excerpt, source title, page reference, or attribution:

• is presented for identification, commentary, explanation, or educational context;
• does not transfer ownership of the referenced material;
• does not indicate sponsorship, endorsement, affiliation, or authorization;
• may contain extraction, page-numbering, formatting, transcription, or attribution errors; and
• should be checked against the original publication.

The Service is not intended to provide access to, reproduce, replace, or serve as a substitute for complete textbooks, study manuals, courses, question banks, or other original works. Users should acquire or access original materials through authorized sources when needed.

We may restrict, shorten, suppress, or remove excerpts or citations at any time.

7. Respect for Intellectual Property

We respect the intellectual-property rights of authors, publishers, educators, examination organizations, and other rights holders.

Nothing in these Terms grants you ownership of or a license to any third-party work appearing in or referenced through the Service, except for the limited right to view the material through the Service for lawful personal use.

You may not use the Service to:

1. request, reproduce, obtain, distribute, or reconstruct an entire textbook, manual, article, examination bank, course, or other protected work;
2. systematically retrieve sequential, adjacent, overlapping, or cumulative passages from a protected work;
3. circumvent excerpt limits, retrieval controls, rate limits, access restrictions, or technical safeguards;
4. use automated requests, scripts, bots, multiple accounts, prompt sequences, or other methods to extract source material at scale;
5. compile outputs into a substitute for a textbook, study manual, course, database, or question bank;
6. remove, obscure, alter, or misrepresent copyright notices, source attributions, citations, watermarks, or rights-management information;
7. upload or submit material unless you have the legal right to use that material with the Service;
8. distribute, sell, sublicense, publish, publicly display, or commercially exploit third-party excerpts obtained through the Service; or
9. direct or encourage another person to engage in any of these activities.

We may block requests, limit outputs, suspend accounts, preserve relevant records, or terminate access when we reasonably suspect prohibited extraction or infringement.

8. User Content

“User Content” means questions, prompts, messages, documents, images, data, formulas, feedback, and other material that you submit to the Service.

You retain any rights you hold in your User Content.

You grant us a nonexclusive, worldwide, royalty-free license to host, reproduce, process, transmit, format, modify, and otherwise use User Content as reasonably necessary to:

• provide and secure the Service;
• respond to your requests;
• prevent abuse and fraud;
• troubleshoot and improve functionality;
• enforce these Terms; and
• comply with law.

This license lasts only as long as reasonably necessary for those purposes, except that backup copies, security logs, legally required records, and de-identified or aggregated information may be retained longer.

You represent and warrant that:

• you have the rights and permissions necessary to submit your User Content;
• our processing of it as described in these Terms will not violate another person’s rights;
• it does not contain unlawfully obtained examination material;
• it does not contain confidential information that you are prohibited from disclosing; and
• it does not violate law, contract, professional obligations, or examination rules.

Do not submit confidential employer information, protected personal information, trade secrets, personally identifiable insurance data, or material subject to professional confidentiality obligations.

9. Examination Integrity

You may use the Service for legitimate studying and educational assistance.

You may not use the Service:

• during an examination when outside assistance is prohibited;
• to obtain or share unauthorized live examination content;
• to solicit recalled questions in violation of examination rules;
• to impersonate another candidate;
• to evade proctoring or security measures;
• to complete graded work when AI assistance is prohibited; or
• otherwise to engage in cheating, fraud, or academic misconduct.

We may cooperate with lawful investigations relating to fraud, security breaches, or examination misconduct.

10. Acceptable Use

You may not:

• violate any law or third-party right;
• interfere with or disrupt the Service;
• probe, scan, or test system vulnerabilities without written authorization;
• reverse engineer, decompile, disassemble, or attempt to discover nonpublic source code, prompts, model configurations, retrieval logic, or datasets, except where such a restriction is prohibited by law;
• scrape, crawl, harvest, copy, or index the Service using automated means without written permission;
• resell or provide shared access to your account;
• create multiple accounts to evade limits;
• use outputs to train, fine-tune, benchmark, or develop a competing model or service without written permission;
• submit malware or harmful code;
• impersonate another person;
• generate unlawful, fraudulent, abusive, or infringing content;
• use the Service in a manner that imposes an unreasonable burden on our systems; or
• attempt to bypass a suspension or termination.

11. Accounts and Security

You must provide accurate account information and keep it current.

You are responsible for:

• maintaining the confidentiality of your credentials;
• all activity conducted through your account;
• using a unique and secure password; and
• notifying us promptly at admin@actuarialexamstutor.com of suspected unauthorized access.

Accounts are personal and may not be sold, transferred, shared, or made available to unrelated users unless an organizational plan expressly allows it.

12. Subscriptions, Billing, and Automatic Renewal

Some features require a paid subscription.

Before purchase, we will present the applicable price, billing interval, included features, and any material restrictions.

Unless otherwise stated at checkout:

• subscriptions automatically renew at the end of each billing period;
• the payment method on file will be charged the then-applicable subscription price and disclosed taxes;
• you authorize recurring charges until cancellation;
• cancellation prevents future renewal but does not ordinarily reverse charges already incurred; and
• access continues through the end of the paid billing period.

You may cancel through your account’s billing portal or by contacting admin@actuarialexamstutor.com. You must cancel before the renewal date to avoid the next charge.

We may change subscription prices prospectively by giving notice required by applicable law. A price change will ordinarily apply beginning with a future renewal period.

13. Trials and Promotional Offers

Trials, discounts, credits, and promotional offers may be subject to additional terms. Unless stated otherwise:

• each person is limited to one introductory trial;
• we may determine eligibility;
• promotional benefits have no cash value;
• promotional access may be revoked for abuse; and
• a trial may convert to a paid subscription if that was clearly disclosed and accepted during enrollment.

14. Refunds

Except where required by law or expressly stated at checkout, payments are nonrefundable and we do not provide prorated refunds for unused portions of a billing period.

We may provide a refund, credit, or other accommodation at our discretion. Doing so once does not require us to do so again.

Nothing in this section limits nonwaivable consumer rights.

15. Ownership of the Service

As between you and the Company, the Company and its licensors own all rights in the Service, including its:

• software;
• interface and design;
• trademarks and branding;
• original educational material;
• databases and compilations;
• prompts and workflows;
• retrieval architecture;
• evaluation methods;
• documentation; and
• improvements and derivative works.

Subject to these Terms, we grant you a limited, revocable, nonexclusive, nontransferable, nonsublicensable license to use the Service for your own lawful educational purposes during the term of your account.

No rights are granted by implication.

16. Rights in Generated Outputs

Subject to these Terms and any rights held by third parties, you may use generated outputs for your personal study and other lawful purposes.

We do not represent or warrant that:

• an output is eligible for copyright protection;
• you will own exclusive rights in an output;
• the same or similar output will not be generated for another user;
• an output does not incorporate or resemble third-party material; or
• your use of an output will not require permission from another party.

Third-party excerpts, publications, trademarks, and other protected materials remain subject to their owners’ rights regardless of their appearance in an output.

You are responsible for evaluating whether and how an output may lawfully be used.

17. Feedback

If you submit suggestions, ideas, error reports, feature requests, or other feedback, you grant us a perpetual, irrevocable, worldwide, royalty-free right to use and incorporate that feedback without restriction or compensation.

This section does not transfer ownership of confidential information that we have expressly agreed in writing to receive as confidential.

18. Third-Party Services

The Service may depend on third-party model providers, hosting providers, payment processors, analytics providers, authentication providers, databases, or external websites.

We do not control and are not responsible for third-party services, their availability, their content, or their privacy and security practices.

Your use of third-party services may be governed by additional terms.

19. Copyright Complaints

We respond to sufficiently detailed reports alleging that material available through the Service infringes copyright. A copyright complaint should be sent to:

Copyright Contact / Designated Agent
Copyright Agent
Actuarial Exams Tutor
11304 Chandler Blvd, General Delivery Dept.
North Hollywood, CA 91601, USA
Email: admin@actuarialexamstutor.com
Telephone: (818) 677-0798

A notice should include:

1. identification of the copyrighted work claimed to have been infringed;
2. identification of the material claimed to be infringing and information reasonably sufficient for us to locate it;
3. your name and contact information;
4. a statement that you have a good-faith belief that the complained-of use is not authorized by the copyright owner, its agent, or the law;
5. a statement, made under penalty of perjury, that the information in the notice is accurate and that you are the copyright owner or authorized to act for the owner; and
6. your physical or electronic signature.

We may remove, restrict, investigate, or disable access to disputed material while reviewing a complaint. Submitting a knowingly false claim may result in legal liability. Where applicable, we may terminate users who repeatedly infringe copyright.

The inclusion of this procedure does not constitute an admission that any particular statutory safe harbor applies to the Service or to any specific material.

20. Publisher and Rights-Holder Inquiries

Authors, publishers, and other rights holders may contact us at admin@actuarialexamstutor.com regarding a source, citation, excerpt, publication, or other material referenced through the Service.

Please provide sufficient information to identify:

• the work;
• the material or output at issue;
• where it appeared;
• the rights claimed; and
• your requested resolution.

We may investigate, restrict, modify, remove, or replace material without admitting liability. We reserve all rights, defenses, exceptions, limitations, and arguments available under applicable law. Nothing in these Terms is an admission that any use is infringing or that any statutory exception necessarily applies.

21. Suspension and Termination

You may stop using the Service at any time.

We may suspend, restrict, or terminate your account or access if:

• you violate these Terms;
• your use creates legal, security, financial, or reputational risk;
• payment is overdue or reversed;
• we reasonably suspect fraud, infringement, extraction, or abuse;
• continued service becomes impracticable; or
• we are required to do so by law or a service provider.

Where reasonably practicable, we may provide notice and an opportunity to correct the issue, but we are not required to do so when immediate action is appropriate.

Sections that by their nature should survive termination will survive, including ownership, disclaimers, limitations of liability, indemnification, and dispute provisions.

22. Service Availability

We do not guarantee uninterrupted or error-free operation. The Service may be unavailable because of:

• maintenance;
• model-provider outages;
• rate limits;
• security incidents;
• network failures;
• changes to third-party services;
• legal or regulatory requirements; or
• circumstances outside our reasonable control.

We may impose usage limits and adjust those limits based on operational needs, subscription level, abuse prevention, or third-party costs.

23. Disclaimers

To the maximum extent permitted by law, the Service and all outputs, sources, citations, excerpts, features, and content are provided “as is” and “as available.”

We disclaim all warranties, express, implied, or statutory, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, completeness, availability, security, and quiet enjoyment.

We do not warrant that the Service will be error-free, that generated answers will be correct, that citations will support every statement, or that use of the Service will result in a passing score or other particular outcome.

Some jurisdictions do not permit certain warranty exclusions. In those jurisdictions, exclusions apply only to the extent permitted by law.

24. Limitation of Liability

To the maximum extent permitted by law, the Company and its owners, officers, directors, employees, contractors, affiliates, licensors, and service providers will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost revenue, lost data, lost opportunities, examination fees, study costs, business interruption, or reputational harm.

To the maximum extent permitted by law, our total aggregate liability arising out of or relating to the Service or these Terms will not exceed the greater of:

• the amount you paid us during the six months before the event giving rise to the claim; or
• one hundred U.S. dollars (US $100).

These limitations apply regardless of the legal theory and even if a remedy fails of its essential purpose. Nothing in these Terms excludes liability that cannot lawfully be excluded.

25. Indemnification

To the maximum extent permitted by law, you agree to defend, indemnify, and hold harmless the Company and its owners, officers, directors, employees, contractors, affiliates, licensors, and service providers from claims, liabilities, damages, judgments, losses, and reasonable legal expenses arising out of or relating to:

• your User Content;
• your misuse of the Service;
• your violation of these Terms;
• your infringement or violation of another party’s rights;
• your prohibited extraction, reproduction, or distribution of material;
• your violation of examination or academic-integrity rules; or
• your fraud, misconduct, or unlawful activity.

We may assume control of the defense of a matter subject to indemnification. You agree to cooperate reasonably with that defense.

26. Governing Law

These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

Mandatory consumer-protection rights available under the law of your residence are not waived where they cannot lawfully be waived.

27. Dispute Resolution

Any dispute arising from these Terms or the Service must be brought exclusively in the state or federal courts located in Los Angeles County, California. You and the Company consent to personal jurisdiction and venue in those courts.

This section does not prevent either party from reporting a matter to a government agency.

28. Changes to These Terms

We may update these Terms periodically. If a change is material, we will provide reasonable notice by email, through the Service, or by another appropriate method. The updated Terms will state their effective date.

Your continued use after the effective date constitutes acceptance, except where applicable law requires affirmative consent.

Changes will not retroactively alter a dispute that arose before the change became effective unless permitted by law and agreed by the parties.

29. Electronic Communications

You agree to receive agreements, disclosures, notices, receipts, and other communications electronically. You are responsible for maintaining a valid email address and reviewing communications sent to it.

Marketing communications may be governed by separate consent and opt-out choices.

30. Assignment

You may not assign or transfer these Terms without our written consent.

We may assign these Terms in connection with a merger, acquisition, financing, corporate reorganization, sale of assets, or transfer of the Service.

31. General Terms

These Terms, together with the Privacy Policy and any additional terms presented for a particular feature or plan, constitute the entire agreement concerning the Service.

If a provision is found unenforceable, it will be modified to the minimum extent necessary or severed, and the remainder will continue in effect.

Our failure to enforce a provision is not a waiver. Headings are for convenience only.

Nothing in these Terms creates an employment, partnership, joint-venture, fiduciary, franchise, or agency relationship.

No person other than the parties has a right to enforce these Terms unless expressly stated otherwise.

32. Contact Information

Questions about these Terms may be directed to:

Actuarial Exams Tutor
11304 Chandler Blvd, General Delivery Dept.
North Hollywood, CA 91601, USA

General support: admin@actuarialexamstutor.com
Legal notices: admin@actuarialexamstutor.com