Terms & Conditions

These Terms & Conditions (the "Terms") govern your access to and use of Cruxprep (the "Service"), operated by Cruxprep ("Cruxprep", "we", "us", or "our"). By creating an account or using the Service you agree to be bound by these Terms. If you do not agree, do not use the Service.

1. The Service

Cruxprep is a study companion for CFA exam candidates. It provides a study planner, progress tracking, formula reference, mock-exam analytics, a Pomodoro-style timer, and notes. Cruxprep is independent and is not affiliated with, endorsed by, or sponsored by CFA Institute.

2. Account & Eligibility

You must be of legal age in your jurisdiction to enter into a binding contract. If you use the Service on behalf of an organisation, you represent that you have authority to bind that organisation. You are responsible for keeping your login credentials confidential and for all activity under your account. You agree to provide accurate information and to keep it up to date.

3. Acceptable Use

You agree not to misuse the Service. In particular, you must not:

• use the Service for any unlawful, fraudulent, or abusive purpose;
• send spam, phishing, or unsolicited communications through the Service;
• infringe the intellectual-property rights of Cruxprep or any third party;
• interfere with the security or integrity of the Service, including by uploading malware, probing for vulnerabilities, scraping, or circumventing access or rate limits;
• reverse engineer, decompile, or attempt to extract source code;
• resell, sublicense, or redistribute access to the Service.

4. Intellectual Property

Cruxprep and all related software, content, branding, and documentation are owned by Cruxprep and are protected by intellectual-property laws. Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable right to use the Service for your personal exam preparation within the plan you have selected. Your study notes and personal data remain yours; you grant us a limited licence to host and process them solely to provide the Service.

5. Service Availability

We work hard to keep the Service running, but we do not guarantee that access will be uninterrupted, timely, secure, or error-free. To the fullest extent permitted by law, we disclaim all implied warranties, including merchantability and fitness for a particular purpose.

6. Educational Content Only

The Service provides general study tools and is not financial, investment, legal, or tax advice. Decisions you make based on the Service — including investment decisions — are solely your responsibility.

7. Pricing, Payments & Refunds

Paid plans are billed through our reseller, Paddle. By purchasing a paid plan you also agree to Paddle's Buyer Terms, which govern payment, billing, taxes, currency, renewal, cancellation, and refund mechanics. For our refund window and how to request a refund, see our Refund Policy.

Merchant of Record disclosure. Our order process is conducted by our online reseller Paddle.com. Paddle.com is the Merchant of Record for all our orders. Paddle provides all customer service inquiries and handles returns.

8. Suspension & Termination

We may suspend or terminate your access to the Service if you materially breach these Terms, fail to pay amounts owed, present a security or fraud risk, or repeatedly violate our policies. You may stop using the Service at any time. On termination, your access ends and we will delete or anonymise your data in line with our Privacy Notice; you may export your study data on request before deletion.

9. Limitation of Liability

To the fullest extent permitted by law, our aggregate liability arising out of or relating to the Service is capped at the amounts you paid us in the twelve (12) months preceding the event giving rise to the claim. We exclude liability for indirect, consequential, special, or incidental damages, including loss of profits, revenue, data, or goodwill. Nothing in these Terms excludes liability for fraud, death, or personal injury where such exclusion is prohibited by law.

10. Indemnity

You will indemnify Cruxprep against claims, losses, and expenses arising from content you submit, your unlawful or unauthorised use of the Service, or your breach of these Terms.

11. Changes to the Service or these Terms

We may update the Service and these Terms from time to time. If we make material changes we will give reasonable notice (for example, by email or in-app notice). Continued use of the Service after the changes take effect constitutes acceptance of the updated Terms.

12. Governing Law & Disputes

These Terms are governed by the laws of the seller's jurisdiction. Disputes that cannot be resolved informally will be resolved in the competent courts of that jurisdiction, except where applicable consumer law gives you the right to bring proceedings in your country of residence.

13. Assignment & Force Majeure

You may not assign your rights under these Terms without our consent. We may assign our rights as part of a merger, acquisition, or sale of assets. Neither party is liable for failure or delay caused by events beyond reasonable control.

14. Contact

Questions about these Terms? Reach us through the in-app support flow or by replying to any account email we send you.