Terms of Service

Last updated: August 2026

1. Acceptance of Terms

These Terms of Service ("Terms") govern your access to and use of the NickLearning website and practice-question platform (the "Service"), operated by NickLearning ("we," "us," or "our"). By creating an account or otherwise using the Service, you agree to be bound by these Terms. If you do not agree, please do not use the Service.

2. Description of the Service

NickLearning provides practice questions, mock exams, and study resources intended to help candidates prepare for the CFA® exam program. The Service is offered under three tiers: Visitor (limited, unauthenticated browsing), Free (a registered account with access to a limited question bank), and Paid (a subscription providing access to the full question bank and additional features). Features available at each tier may change over time.

3. Accounts and Account Responsibilities

To access Free or Paid features, you must create an account and provide accurate information, including your name and email address, and choose a password. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. Notify us promptly if you suspect unauthorized use of your account.

4. Acceptable Use

You agree not to: scrape, crawl, or otherwise extract question content or platform data using automated means; copy, resell, redistribute, or publicly share question content or any materials obtained through the Service; share your Paid account credentials or access with individuals who are not authorized users of that account; or attempt to interfere with, disrupt, or gain unauthorized access to the Service or its underlying systems.

5. Subscriptions and Billing

Paid subscriptions renew automatically according to the billing cycle selected at checkout unless cancelled. You may cancel your subscription at any time, and cancellation will take effect at the end of the current billing period. Refunds, if any, are governed by the separate billing policy presented to you at checkout, not by these Terms.

6. Intellectual Property

All practice questions, explanations, study materials, software, and other content made available through the Service are owned by NickLearning or its licensors and are protected by intellectual property laws. Except for the limited license to use the Service for your personal exam preparation, no rights are transferred to you.

NickLearning is an independent exam-preparation provider. NickLearning is not affiliated with, endorsed by, or sponsored by CFA Institute. CFA® and Chartered Financial Analyst® are trademarks owned by CFA Institute.

7. Disclaimers and Limitation of Liability

Practice questions and study materials provided through the Service are study aids only and do not guarantee any particular exam result or outcome. The Service is provided "as is" and "as available," without warranties of any kind, express or implied. To the fullest extent permitted by law, NickLearning shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of, or inability to use, the Service.

8. Termination

We may suspend or terminate your account if you violate these Terms or misuse the Service. You may stop using the Service and close your account at any time. Provisions of these Terms that by their nature should survive termination will survive, including intellectual property, disclaimers, and limitation of liability provisions.

9. Governing Law

These Terms are governed by and construed in accordance with the laws of [Jurisdiction], without regard to its conflict of law principles.

10. Changes to These Terms

We may update these Terms from time to time. We will post the updated Terms on this page and revise the "Last updated" date above. Continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

11. Contact Us

If you have questions about these Terms, please contact us at support@nicklearning.example.

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