Terms of Service

1. Acceptance of Terms

By accessing or using AILearn101 ("the Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not access or use the Service.

These Terms apply to all users, including individual users, organizational administrators, and any person accessing the Service on behalf of an organization. If you are using the Service on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

2. Description of Services

AILearn101 is an AI-powered educational platform designed to help financial advisors and professionals learn how to effectively use artificial intelligence tools in their practice. Our services include:

• Interactive AI learning modules and courses
• AI-powered prompt building tools
• Practice exercises and assessments
• Spaced repetition review systems
• Progress tracking and analytics
• AI-generated educational content and feedback

3. User Responsibilities

As a user of the Service, you agree to:

• Provide accurate and complete information when creating your account
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized access to your account
• Use the Service only for lawful purposes and in accordance with these Terms
• Not share your account credentials with others
• Not attempt to circumvent security measures or access restrictions
• Not use the Service to harass, abuse, or harm others
• Not upload malicious code, viruses, or harmful content
• Not reverse engineer, decompile, or attempt to extract source code
• Comply with all applicable laws and regulations

4. AI Usage Terms and Limitations

Our Service utilizes artificial intelligence technologies, including Google Gemini and other AI models, to provide educational content and features. By using these features, you acknowledge and agree that:

• AI May Make Mistakes: AI-generated content may contain errors, inaccuracies, or outdated information. You should always verify AI-generated information independently.
• Regulatory Information: Any AI-generated content regarding regulatory requirements, compliance matters, or legal obligations must be verified with authoritative sources or qualified professionals before relying upon it.
• No Guarantee of Accuracy: We do not guarantee the accuracy, completeness, or reliability of any AI-generated content.
• Educational Purpose Only: AI-generated content is provided for educational and informational purposes only.
• Data Processing: Your interactions with AI features may be processed by third-party AI providers subject to their terms and privacy policies.
• Content Limitations: AI systems may have knowledge cutoff dates and may not reflect the most recent developments, regulations, or market conditions.

5. Financial Advice Disclaimer

The content provided through our Service, including AI-generated content, educational materials, examples, and exercises:

• Is for educational purposes only and should not be construed as financial advice
• Does not constitute a recommendation to buy, sell, or hold any investment
• Should not be relied upon for making investment decisions
• Does not replace the advice of qualified financial, legal, or tax professionals
• May include hypothetical examples that do not reflect actual market conditions

Users should consult with qualified professionals before making any financial, investment, or business decisions. We are not responsible for any losses or damages resulting from reliance on information provided through our Service.

6. Intellectual Property

Our Intellectual Property

The Service and its original content (excluding user-generated content), features, and functionality are and will remain the exclusive property of AILearn101 and its licensors. This includes but is not limited to:

• Course content and educational materials
• Software, code, and technical infrastructure
• Trademarks, logos, and branding
• User interface designs and layouts
• AI prompt templates and methodologies

Your Content

You retain ownership of any content you create or submit through the Service. By submitting content, you grant us a non-exclusive, worldwide, royalty-free license to use, store, and process your content for the purpose of providing and improving the Service.

AI-Generated Content

Content generated by AI features in response to your prompts may be used by you for your personal and professional purposes, subject to any limitations imposed by the underlying AI providers. You are responsible for ensuring your use of AI-generated content complies with applicable laws and regulations.

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• The Service is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied.
• We do not warrant that the Service will be uninterrupted, secure, or error-free.
• We are not liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service.
• Our total liability for any claims arising from or related to the Service shall not exceed the amount you paid us in the twelve (12) months preceding the claim.
• We are not responsible for any decisions made based on AI-generated content or educational materials provided through the Service.

8. Indemnification

You agree to indemnify, defend, and hold harmless AILearn101, its affiliates, officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising from your use of the Service, your violation of these Terms, or your violation of any rights of another party.

9. Termination

We may terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason, including but not limited to:

• Breach of these Terms
• Fraudulent or illegal activity
• Non-payment of applicable fees
• Upon request by law enforcement or government agencies
• Extended periods of inactivity
• Discontinuation of the Service

You may terminate your account at any time by contacting us or using account deletion features within the Service.

Upon termination, your right to use the Service will immediately cease. Provisions that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions. Any disputes arising from these Terms shall be resolved in the state or federal courts located in Delaware.

11. Changes to Terms

We reserve the right to modify or replace these Terms at any time. We will provide notice of material changes by posting the updated Terms on this page and updating the "Last updated" date. Your continued use of the Service after any changes constitutes acceptance of the new Terms. We encourage you to review these Terms periodically.

12. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

13. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published on the Service, constitute the entire agreement between you and AILearn101 regarding the use of the Service.

14. Contact Us

If you have questions about these Terms of Service, please contact us at: