Terms of Service

1) Acceptance of Terms

By accessing or using Tokenizer’s websites or mobile applications, you agree to these Terms of Service (“Terms”) and our Privacy Policy. If you do not agree, do not use the Services.

2) Who We Are & Scope

Tokenizer Inc. (“Tokenizer”, “we”, “us”) operates educational websites and the Mastery: Exam Prep mobile applications (iOS & Android) (collectively, the “Services”).

We are independent and not affiliated with CSI, CIRO, AMF, CPA Canada, FINRA, NASAA, CFA Institute, PMI, CompTIA, AWS, Microsoft, Google, or any certification body. Course/exam names (e.g., CSC®, CPH®, WME®, LLQP) are trademarks of their respective owners.

3) Eligibility & Accounts

• You must be at least 13 years old (or the age of digital consent in your jurisdiction). Under the age of majority, you represent that a parent/guardian consents.
• You are responsible for your account credentials and all activity under your account.

4) License & Permitted Use

We grant you a limited, personal, non-exclusive, non-transferable, revocable license to use the Services for your own study. You may not copy, scrape, bulk-download, resell, or redistribute question banks or content; circumvent limits or paywalls; use bots or automated access; or reverse engineer our apps except where permitted by law.

5) Website vs App; Free & Paid

• Website: no-ads learning guides with free practice quizzes.
• Mobile app: optional paid access (subscriptions or purchases) to larger banks, scenarios, analytics, and other premium features.

We may change free allotments, features, or availability at any time.

6) Purchases, Subscriptions & Refunds

• App Store / Google Play: Purchases and subscriptions are processed by Apple or Google. Their terms, taxes, billing cycles, and refund policies apply. Manage or cancel in your store account settings before the next renewal.
• Pricing & Changes: We may change pricing and plans prospectively. If required by law, we will provide notice within the app/store listing.
• Trials/Freemium: If trial or free tiers are offered, access ends when the period or allotment ends unless you subscribe.

7) User Content, Feedback & Reports

If you submit notes, flags, issue reports, comments, or feedback, you grant Tokenizer a worldwide, royalty-free, perpetual license to use, reproduce, modify, and publish such content to operate and improve the Services. Do not submit confidential or third-party proprietary materials.

8) Prohibited Conduct

• Sharing, requesting, or posting real exam items, answer keys, or confidential materials.
• Copying/scraping, bulk exporting, or redistributing question banks or explanations.
• Uploading malware; interfering with servers, APIs, or security features; using bots/automation.
• Infringing intellectual property, privacy, or other rights; violating laws or exam-provider rules.

9) Intellectual Property & Trademarks

All content, software, and materials are owned by Tokenizer or its licensors and protected by law. Except as expressly permitted, no rights are granted by implication or otherwise. Third-party names (e.g., CSC®, CPH®, WME®, LLQP) are trademarks of their owners, and no affiliation or endorsement is implied.

10) Third-Party Services & Links

The Services may integrate or link to third-party services (e.g., app stores, analytics, crash reporting, email). We are not responsible for third-party content, terms, or policies.

11) Availability, Changes & Beta

We may modify, suspend, or discontinue the Services (or any feature) at any time without liability. We may update these Terms by posting a revised version with a new “Last updated” date.

12) Disclaimers

Content is for educational purposes only and does not constitute financial, legal, or professional advice. We do not guarantee exam outcomes.

AS IS / AS AVAILABLE: To the maximum extent permitted by law, the Services are provided “as is” and “as available,” without warranties of any kind, express or implied.

13) Limitation of Liability

To the maximum extent permitted by law, Tokenizer and its affiliates will not be liable for indirect, incidental, special, consequential, or punitive damages, or for loss of profits, data, use, or goodwill. Our aggregate liability for any claim will not exceed the greater of (a) CA$50 or (b) amounts you paid to Tokenizer (if any) for the Service giving rise to the claim in the six (6) months before the claim.

Some jurisdictions do not allow certain limitations; some parts may not apply to you.

14) Indemnification

You agree to defend, indemnify, and hold harmless Tokenizer and its affiliates from and against any claims, losses, liabilities, damages, costs, and expenses (including reasonable legal fees) arising from your use of the Services, your content, or your breach of these Terms.

15) Governing Law & Disputes

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada, without regard to conflict-of-laws principles. You and Tokenizer submit to the exclusive jurisdiction of the courts located in Ontario, Canada.

16) Termination

We may suspend or terminate your access if you breach these Terms or harm the Services or other users. Upon termination, your license ends and you must stop using the Services.

17) Miscellaneous & Contact

• Entire Agreement: These Terms plus the Privacy Policy are the entire agreement.
• Severability: If a provision is invalid, the remainder remains in effect.
• Assignment: You may not assign these Terms; we may assign to an affiliate or successor.
• No Waiver: Failure to enforce is not a waiver.

For privacy rights and data handling, please see our Privacy Policy.