Terms of Service

These Terms of Service ("Terms") govern your access to and use of actuaryace.com and the ActuaryAce service (the "Service"). By creating an account, purchasing a plan, or otherwise using the Service, you agree to these Terms. If you do not agree, do not use the Service.

1. The Service

ActuaryAce provides AI-generated practice problems, worked solutions, and progress tracking for the Society of Actuaries Exam P (Probability) and Exam FM (Financial Mathematics). New users may attempt a limited number of free problems; continued use requires a paid plan. ActuaryAce is an independent study tool and is not affiliated with, sponsored by, or endorsed by the Society of Actuaries (SOA).

2. Accounts

You access the Service using your email address and a sign-in code we send you. You are responsible for keeping access to your email and account secure and for all activity that occurs under your account. Please notify us promptly of any unauthorized use.

3. Pricing and billing

We offer the following plans:

• Monthly — $19 per month, billed monthly. Renews automatically until cancelled.
• Exam Pass — $59 one-time payment. Grants full access for approximately 120 days (4 months) from the date of purchase, after which access expires. Does not renew automatically.
• Lifetime — $179 one-time payment. Grants permanent access to all current and future supported exams. Does not expire or renew.

The Monthly plan renews automatically at the end of each billing period until you cancel. Payments are processed by Stripe, and you authorize us to charge your selected payment method for the applicable fees and any taxes. Prices may change, but a change will not affect your current paid period, and we will give notice before any renewal at a new price.

4. Cancellation

You may cancel a Monthly subscription at any time through the billing portal. After you cancel, you keep access until the end of your current billing period, and you will not be charged again. The Exam Pass and Lifetime plans are one-time purchases with no ongoing subscription to cancel. Exam Pass access expires automatically after approximately 120 days; Lifetime access never expires.

5. Refunds

Monthly and Exam Pass plans include a 7-day money-back guarantee. If you are not satisfied within 7 days of your purchase, contact us through our contact form and we will refund that purchase in full. After 7 days, payments are non-refundable except where required by law. Lifetime access is non-refundable.

6. Acceptable use

You agree to use the Service for your own personal exam preparation. You agree not to: share, resell, or sublicense your account or access; copy, scrape, or use automated means to extract problems or content in bulk; redistribute or republish generated content for commercial purposes; reverse engineer, interfere with, or attempt to gain unauthorized access to the Service; or use the Service in any unlawful manner. We may suspend or terminate accounts that violate these Terms.

7. Intellectual property

The Service, including its software, design, text, and the problems and solutions it generates, is owned by ActuaryAce or its licensors. We grant you a limited, personal, non-transferable license to use the Service and its content for your own study while your access is active.

8. Disclaimers

The Service is provided "as is" and "as available," without warranties of any kind, express or implied. ActuaryAce is a study aid; practice problems are generated with AI and may occasionally contain errors, and we do not guarantee that using the Service will result in passing any exam. We are not responsible for the content, accuracy, or availability of third-party services.

9. Limitation of liability

To the maximum extent permitted by law, ActuaryAce and its operators will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of data, profits, or opportunity, arising from your use of the Service. Our total liability for any claim relating to the Service will not exceed the amount you paid us for the Service in the 12 months before the claim.

10. Indemnification

You agree to indemnify and hold ActuaryAce harmless from any claims, losses, or expenses arising out of your misuse of the Service or your violation of these Terms.

11. Changes to these Terms

We may update these Terms from time to time. When we do, we will revise the "Last updated" date above. Your continued use of the Service after changes take effect constitutes acceptance of the updated Terms.

12. Governing law

These Terms are governed by the laws applicable to ActuaryAce's principal place of business, without regard to its conflict-of-law rules. Any disputes will be subject to the exclusive jurisdiction of the courts located there.

13. Contact

Questions about these Terms? Contact us through our contact form.