Terms & Conditions / EULA — Skillbanc AI Tutor

      Please read these Terms and Conditions carefully before using Skillbanc AI Tutor. By downloading, installing, accessing, or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.
    

1. Acceptance of Terms

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 the Skillbanc AI Tutor mobile application, web application, and all related content and services (collectively, the "Service").

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.

2. End User Licence Agreement (EULA)

Subject to your compliance with these Terms, the Company grants you a limited, non-exclusive, non-transferable, revocable licence to:

Download and install the Skillbanc AI Tutor application on devices you own or control
Access and use the Service solely for your personal, non-commercial educational purposes

You may not:

Copy, modify, distribute, sell, or sublicence the Service or any part of it
Reverse engineer, decompile, or disassemble the software
Remove or alter any proprietary notices or labels
Use the Service for any unlawful purpose or in violation of these Terms
Create derivative works based on the Service

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.

3. Service Provided "AS IS"

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND. The Company expressly disclaims all warranties, whether express, implied, statutory, or otherwise, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

The Company does not warrant that:

The Service will be uninterrupted, error-free, or free of viruses or harmful components
The results obtained from use of the Service will be accurate or reliable
Any errors in the Service will be corrected
The Service will meet your specific educational requirements or learning outcomes

4. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL SKILLBANC.COM, INC., ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, PARTNERS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES — INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, LOSS OF GOODWILL, OR SERVICE INTERRUPTION — ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SERVICE, EVEN IF THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

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).

5. No Liability for Harm

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:

Physical, psychological, or emotional harm to any child or user arising from use of the Service
Reliance on any educational content, feedback, or scores provided by the Service
Technical failures, data loss, or service interruptions
Actions taken or not taken based on information provided by the Service
Any harm caused directly or indirectly through use or misuse of the Service by any party

Use of the Service is at your sole risk. Parents and guardians are solely responsible for supervising their children's use of the Service.

6. Indemnification

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.

7. Purchases and Refunds

Textbook sets and app subscriptions are sold through the in-app Shop. All prices are displayed in the applicable local currency. Once a digital subscription is activated or a physical textbook order 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.

8. Modifications to the Service

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.

9. Governing Law and Dispute Resolution

      These Terms shall be governed by and construed in accordance with the laws of the Commonwealth of Virginia, United States of America, without regard to its conflict of law principles.
      
      Any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be subject to the exclusive jurisdiction of the state and federal courts located in Fairfax County, Virginia, USA. You irrevocably submit to the personal jurisdiction of such courts and waive any objection to the laying of venue in Fairfax County, Virginia. The Company's principal place of business is 2852 Cherry Branch Lane, Oak Hill, VA 20171, USA.

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.

10. Changes to These Terms

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.

11. Severability

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.

12. Entire Agreement

These Terms, together with the Privacy Policy, constitute the entire agreement between you and Skillbanc.com, Inc. regarding the Service and supersede all prior agreements and understandings.

13. Contact

For questions about these Terms, please contact:

Email: contact@skillbanc.com
Company: Skillbanc.com, Inc.
Address: 2852 Cherry Branch Lane, Oak Hill, VA 20171, USA