Terms and Conditions CHATCPA LLC Effective date: January 28, 2023 · Last updated: July 26, 2026 These Terms and Conditions ("Terms") govern your use of chatcpa.io (the "Website") and the products and services offered on it, including the CPA and CMA test banks, practice exams, free samples, teach-back, and AI tutor features (together, the "Services"). The Website and Services are owned and operated by CHATCPA LLC ("ChatCPA," "we," "us"). By using the Website or purchasing a subscription, you agree to these Terms. If you do not agree, do not use the Website or Services.

1. Eligibility You must be at least 18 years old and able to enter a binding contract to use the Services.

2. Accounts and access Subscriptions are for one person. Your login and any access credentials are for your individual use and may not be shared, resold, or transferred. We may suspend access where we detect account sharing or resale.

3. Payments, renewals, and cancellation Monthly and Half-Year plans renew automatically at the then-current price until you cancel. You can cancel anytime; cancellation stops future renewals, and your access continues through the end of the period you have already paid for. The Lifetime plan is a one-time payment for access for as long as ChatCPA operates the Services.

4. Refunds All sales are final. We offer a free, full-featured sample specifically so you can evaluate the question quality, explanations, and teach-back before paying, and we encourage you to use it. If you believe you were billed in error, contact us at finance@chatcpa.io and we will look at it.

5. Discount codes Discount codes are limited to one per customer unless stated otherwise. Misuse of discount offers may result in cancellation of the order or termination of access.

6. Intellectual property The Website and Services, including all questions, explanations, simulations, software, and design, are original works owned by CHATCPA LLC and protected by intellectual property law. You may not copy, scrape, redistribute, publish, resell, or create derivative works from any part of the Services. Your subscription is a personal license to study, not a license to reproduce.

7. Educational purpose; no affiliation; no guarantee The Services are study materials. They are not accounting, tax, legal, or financial advice, and no CPA-client relationship is created by using them. ChatCPA is not affiliated with, endorsed by, or sponsored by the AICPA, NASBA, Prometric, the IMA, or any state board of accountancy. Our questions are original and are not actual examination questions. Exam results depend on many factors; we do not guarantee any score or outcome.

8. AI features Teach-back and the AI tutor use automated language models to generate prompts, grading, and feedback. Automated feedback can contain errors and is graded against our explanations, not official examination rubrics. Audio and text you submit to these features are processed by third-party AI service providers as described in our Privacy Policy.

9. Acceptable use You agree not to access the Services by automated means, probe or circumvent access controls, harvest content, or use the Services to build a competing product. See our Acceptable Use Policy for details.

10. Termination We may suspend or terminate access for violation of these Terms. If we terminate your access without cause, we will refund a prorated portion of any prepaid, unused subscription period.

11. Disclaimer of warranties The Website and Services are provided "as is" and "as available," without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, non-infringement, and availability. We do not warrant that the Services will be error-free or uninterrupted.

12. Limitation of liability To the maximum extent permitted by law, CHATCPA LLC will not be liable for indirect, incidental, special, or consequential damages, including lost profits or lost data. Our total liability for any claim relating to the Services is limited to the amount you paid us in the twelve months before the claim arose.

13. Indemnification You agree to indemnify and hold CHATCPA LLC and its officers, employees, and agents harmless from claims, damages, and expenses (including reasonable attorney's fees) arising from your violation of these Terms.

14. Governing law and jurisdiction These Terms are governed by the laws of the State of Oregon, without regard to conflict-of-law principles. Any legal action relating to these Terms must be brought exclusively in the state or federal courts located in Oregon, and you consent to their jurisdiction.

15. Changes to these Terms We may update these Terms from time to time. The current version will always be posted on this page with its effective date. Continued use of the Services after changes are posted constitutes acceptance.

16. Entire agreement; severability These Terms, together with the Privacy Policy and Acceptable Use Policy, are the entire agreement between you and CHATCPA LLC regarding the Services. If any provision is found unenforceable, the rest remain in effect.

17. Contact Questions about these Terms: finance@chatcpa.io