Including End User Licence Agreement (EULA) · Effective date: 11 August 2026 · Skillbanc.com, Inc.
These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User", "you") and Skillbanc.com, Inc. ("Company", "we", "us", or "our"), a corporation registered in the Commonwealth of Virginia, USA, governing your use of our mobile applications, web applications, websites, and all related content and services (collectively, the "Service"). Skillbanc.com, Inc. is the legal entity; its products are branded under the Skillbanc AI family, for example Skillbanc AI : Home Owner. These Terms apply to every product in that family, including ones released later; if a product later spins off into its own company, that product will publish its own terms.
If you are entering into these Terms on behalf of a minor, you represent that you are the parent or legal guardian of that minor and accept these Terms on their behalf.
Subject to your compliance with these Terms, the Company grants you a limited, non-exclusive, non-transferable, revocable licence to:
You may not:
All intellectual property rights in the Service — including software, content, diagrams, questions, and curriculum materials — remain the exclusive property of Skillbanc.com, Inc. or its licensors.
You keep what is yours. "Your Content" means anything you provide to the Service: details of your home, its rooms, appliances and systems; photographs and documents you upload, including contractor quotes, invoices, utility bills, manuals and inspection reports; notes, maintenance records, and messages you send us. You retain all ownership rights in Your Content. These Terms transfer no ownership of it to the Company.
The permission we need to run the Service. You grant Skillbanc.com, Inc. a worldwide, non-exclusive, royalty-free licence to host, store, copy, transmit, display, and process Your Content, and to create derived records from it (for example an extracted appliance model number, a maintenance schedule, or a fair-price comparison), for the sole purpose of operating, securing, supporting, and improving the Service for you. This includes processing by automated and artificial-intelligence systems, and by the service providers described in our Privacy Policy. We do not need and do not take any broader right than that.
The permission ends when you do. This licence lasts only as long as we hold Your Content. When you delete content, or delete your account, the licence ends with it, save for backup copies pending routine deletion and anything we must retain by law. Account deletion is described in the Privacy Policy.
Your assurances. You represent that you have the right to provide Your Content to us, and that doing so does not breach anyone else's rights or any duty of confidence you owe. Documents produced by a third party — a contractor's quote, a surveyor's report — remain that party's work; you are responsible for having the right to share a copy with us for the purposes above.
De-identified information. We may create and use statistical and aggregated information derived from Your Content that does not identify you or your home, including to improve the Service and to describe it publicly. We do not sell your personal data; see the Privacy Policy.
What the Service produces for you. Guidance, checklists, schedules, reports, and other output the Service generates for you from Your Content are yours to use for your own purposes, subject to the licence limits in Section 2. The underlying models, prompts, software, and templates that produce that output remain ours.
What counts as Feedback. "Feedback" means any suggestion, feature request, requirement, idea, vote, poll response, comment, bug report, design proposal, or other input you give us about the Service or about what we should build — however you send it, including through a suggestion box, a poll or feature vote, an email, a beta programme, a survey, or a conversation.
Nothing we show you is a promise. Any indication of what we may build — a poll, a vote count, a shortlist, a roadmap, a "coming soon", a preview, or a statement about a threshold or a queue — is a description of our current thinking and not a commitment, an offer, or a representation on which you may rely. We may change or abandon any of it at any time without notice or liability. Nothing in a poll or a vote creates a contract, and no feature is warranted to appear.
Feedback is not confidential. Unless we have signed a separate written confidentiality agreement with you covering it, Feedback is given on a non-confidential basis. Do not send us anything you need us to keep secret, and do not send us anyone else's confidential or proprietary information.
The licence you give us. You grant Skillbanc.com, Inc. a perpetual, irrevocable, worldwide, royalty-free, fully paid-up, transferable and sublicensable licence to use, copy, modify, adapt, publish, distribute, and commercially exploit your Feedback, and anything we develop from it, for any purpose and without restriction. To the extent permitted by law, you waive any moral rights and any right to attribution in respect of your Feedback.
No compensation, and no obligation to build. We may act on your Feedback or ignore it, in whole or in part, at our sole discretion. If we do build something from it, we owe you no payment, royalty, credit, equity, or acknowledgement, and you acquire no ownership interest in the Service or in the Company by having contributed. Providing Feedback, responding to a poll, or signing up for our notifications does not make you a founder, partner, employee, contractor, or shareholder of Skillbanc.com, Inc., and creates no such relationship.
Independent development. Many people send us similar ideas, and we work on features already in progress. Nothing here restricts our right to develop, acquire, or release anything that resembles your Feedback, whether or not we received it from you.
Your assurances. You represent that your Feedback is your own to give, that you are not subject to any agreement — including with an employer — that would prevent you from giving it, and that it does not infringe anyone else's intellectual property rights.
Everything in this section is subject to Section 6. The Service, and anything we build in response to Feedback, is provided "AS IS" and "AS AVAILABLE" with no warranty of any kind. Nothing in a poll, vote, suggestion, announcement, or roadmap creates a warranty, a service level, or any commitment as to features, timing, availability, or fitness for any purpose.
If you sign up for our notifications, you are asking to receive announcements, release notes, and other updates about the Service by email or push notification. That is all a sign-up is: a request to be kept informed. It gives you no right of access, no licence, no place in any queue, no pricing entitlement, and no interest of any kind in the Service or the Company, and it obliges us to release nothing.
We may change what we send, how often we send it, or stop sending it. You can unsubscribe at any time using the link in any email or by contacting us at contact@skillbanc.com; see the Privacy Policy for how we handle your email address.
The Company does not warrant that:
Maximum Liability: In all cases, the Company's total cumulative liability to you for any claims arising out of or related to these Terms or the Service — whether in contract, tort, statute, or otherwise — shall not exceed the total amount actually paid by you to Skillbanc.com, Inc. in the twelve (12) months immediately preceding the event giving rise to the claim.
If you have not made any payment to the Company, the Company's maximum liability to you shall be USD $1.00 (one US dollar).
The Company shall not be responsible or liable for any harm, loss, injury, or damage — whether direct, indirect, incidental, consequential, or otherwise — caused to any person or entity, including without limitation:
Use of the Service is at your sole risk. For any Service directed to children, parents and guardians are solely responsible for supervising their children's use of the Service.
You agree to indemnify, defend, and hold harmless Skillbanc.com, Inc. and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses — including reasonable legal fees — arising out of or in connection with your use of the Service, your violation of these Terms, or your violation of any third-party rights.
Where a product is offered free of charge — including while it is in development or beta — we make no commitment that it will remain free, and we may introduce charges for it in future. If we do, we will give you notice before any charge applies to you, and you will be able to decide then whether to continue. We will not charge you without your agreement, and we will honour any pricing commitment we have made to you in writing.
Where products or subscriptions are sold, they are sold through the applicable app's Shop and all prices are displayed in the applicable local currency. Once a digital subscription is activated or a physical product order (such as a textbook) is dispatched, no refunds will be issued except as required by applicable consumer protection law. For order issues, contact contact@skillbanc.com within 7 days of the transaction.
The Company reserves the right to modify, suspend, or discontinue the Service (or any part thereof) at any time, with or without notice, and without liability to you.
Notwithstanding the foregoing, the Company reserves the right to seek injunctive or other equitable relief in any court of competent jurisdiction to prevent irreparable harm.
We may revise these Terms at any time. Material changes will be communicated by posting the updated Terms on this page and updating the effective date. Your continued use of the Service after such changes constitutes your acceptance of the revised Terms.
If any provision of these Terms is found to be invalid or unenforceable, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect.
These Terms, together with the Privacy Policy · Accessibility, constitute the entire agreement between you and Skillbanc.com, Inc. regarding the Service and supersede all prior agreements and understandings.
For questions about these Terms, please contact: