Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User", "you") and ThinkPulse AI Inc. ("CertGo", "we", "us", or "our"), a corporation incorporated under the laws of Canada, with its registered office at Ontario, Canada.

By creating an account, accessing, or using the CertGo platform available at certgo.ai (the "Service"), you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference.

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 Service

CertGo is an AI-powered online study platform designed to assist candidates preparing for the CFA® Program examinations (Level I, II, and III). The Service includes, but is not limited to:

• An AI tutoring assistant providing explanations of CFA curriculum topics
• A library of practice questions and mock examinations
• Digital flashcards with spaced repetition
• Personalized performance analytics and progress tracking

We reserve the right to modify, suspend, or discontinue any aspect of the Service at any time with reasonable notice where practicable.

3. Eligibility and Account Registration

You must be at least 18 years of age to create an account and use the Service. By registering, you represent that all information you provide is accurate, current, and complete.

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately at [email protected] if you suspect any unauthorized use of your account. CertGo will not be liable for any loss arising from unauthorized access resulting from your failure to safeguard your credentials.

One account per person is permitted. You may not create multiple accounts to circumvent usage limits, free plan restrictions, or any other limitations.

You may request deletion of your account and associated data at any time by contacting [email protected]. Data retention and deletion procedures are governed by our Privacy Policy.

4. Subscriptions and Billing

4.1 Subscription Plans

CertGo offers a free plan and the following paid subscription plans, billed in USD:

• Monthly Plan: $29.90 per month
• Quarterly Plan: $69.90 per three months (equivalent to $23.30/month)
• Annual Plan: $199.00 per year (equivalent to $16.60/month)

Pro plans include monthly AI question quotas as described on our pricing page. Additional AI credits may be purchased separately.

Pricing is subject to change. We will provide at least 30 days' notice of any price changes by email or in-platform notification. Continued use of the Service after the price change takes effect constitutes your acceptance of the new pricing.

4.2 Payment Processing

All payments are processed by Stripe, Inc., a third-party payment processor. By subscribing, you agree to Stripe's terms of service. CertGo does not store your full payment card details. All transactions are conducted in US Dollars (USD).

4.3 Automatic Renewal

Paid subscriptions automatically renew at the end of each billing cycle unless cancelled before the renewal date. By subscribing, you authorize CertGo to charge your payment method on file for each renewal period.

4.4 Taxes

Prices listed do not include applicable taxes. You are responsible for all taxes, duties, or levies applicable in your jurisdiction. Where required by law, CertGo may collect and remit applicable taxes.

5. Cancellation and Refund Policy

5.1 Cancellation

You may cancel your paid subscription at any time through your account settings. Upon cancellation, your subscription will remain active until the end of the current billing period. You will not be charged for subsequent periods, and you will retain access to paid features until the period expires.

5.2 Refunds

All subscription fees are non-refundable except where required by applicable law. We do not provide prorated refunds for unused time within a billing period. For plan changes involving prorated credits, see Section 5.3.

If you believe you have been charged in error, please contact us at [email protected] within 14 days of the charge, and we will investigate your request.

5.3 Plan Changes

You may upgrade or downgrade your subscription plan at any time. All plan changes take effect immediately. A prorated credit for the unused portion of your current plan will be calculated and applied toward the new plan. If the new plan costs more, the difference will be charged immediately. If the new plan costs less, the excess credit will be stored as an account credit balance (see Section 5.4). A new billing cycle begins from the date of the plan change.

5.4 Account Credit Balance

When you downgrade or switch plans, any unused prorated credit will be stored as an account credit balance. This credit balance is non-refundable and cannot be withdrawn or transferred back to your payment method. Credit balances will be automatically applied to offset future subscription charges if you resubscribe or upgrade in the future. If your account is permanently closed with a remaining credit balance, the balance will be forfeited.

6. Free Plan

CertGo offers a permanent free plan with limited features as described on our pricing page. Free plan features are subject to change at our discretion with at least 14 days' notice.

7. Acceptable Use

You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to:

• Share, resell, sublicense, or redistribute your account access to any third party
• Use automated tools, bots, scrapers, or scripts to access or extract content from the Service
• Reproduce, copy, or distribute any CertGo content for commercial purposes without our written consent
• Attempt to reverse-engineer, decompile, or otherwise extract the source code of the Service
• Upload or transmit any malicious code, viruses, or harmful data
• Use the Service in any manner that could damage, disable, or impair our systems
• Violate any applicable local, provincial, national, or international law or regulation

Violation of this section may result in immediate suspension or termination of your account without refund.

8. Intellectual Property

All content on the CertGo platform — including but not limited to text, practice questions, AI-generated explanations, flashcards, software, graphics, and trademarks — is the property of CertGo or its licensors and is protected by Canadian and international intellectual property laws.

We grant you a limited, personal, non-exclusive, non-transferable, revocable license to access and use the Service solely for your personal, non-commercial CFA exam preparation purposes. This license does not permit you to download, copy, reproduce, or distribute any portion of the Service beyond personal use.

Any feedback, suggestions, or ideas you provide to CertGo may be used by us without restriction or compensation to you.

9. AI-Generated Content Disclaimer

The CertGo platform uses artificial intelligence to generate explanations, practice questions, and study guidance. While we strive for accuracy, AI-generated content may contain errors, inaccuracies, or outdated information.

• AI-generated responses should not be relied upon as the sole source of study material
• Always cross-reference with the official CFA Institute curriculum materials
• CertGo does not guarantee that AI-generated content reflects the most current version of the CFA curriculum

CertGo expressly disclaims any liability for errors or omissions in AI-generated content.

10. CFA Institute Disclaimer

CertGo is an independent study platform and is not affiliated with, endorsed by, or connected to CFA Institute in any way.

CFA®, Chartered Financial Analyst®, and CFA Institute® are registered trademarks owned by CFA Institute. Use of these terms on the CertGo platform is solely for descriptive and nominative purposes to identify the subject matter of examination preparation.

CertGo does not guarantee that use of our platform will result in passing any CFA examination. Exam outcomes depend on individual effort, preparation, and other factors beyond our control.

11. Third-Party Links and Services

The Service may contain links to third-party websites or services. CertGo does not endorse and is not responsible for the content, privacy practices, or terms of any third-party sites. You access third-party content at your own risk.

12. Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

We do not warrant that the Service will be uninterrupted, error-free, or free of viruses or other harmful components. We do not warrant that the results obtained from use of the Service will be accurate or reliable.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, CERTGO AND ITS DIRECTORS, OFFICERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICE.

IN NO EVENT SHALL CERTGO'S TOTAL LIABILITY TO YOU FOR ALL CLAIMS EXCEED THE GREATER OF (A) THE TOTAL AMOUNT YOU PAID TO CERTGO IN THE SIX (6) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED CANADIAN DOLLARS (CAD $100).

Some jurisdictions do not allow the exclusion or limitation of certain damages; in such jurisdictions, our liability shall be limited to the fullest extent permitted by law.

14. Indemnification

You agree to indemnify, defend, and hold harmless CertGo and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or relating to your use of the Service, your violation of these Terms, or your violation of any third-party rights.

15. Termination

We reserve the right to suspend or terminate your account and access to the Service at our sole discretion, with or without notice, if we reasonably believe you have violated these Terms or applicable law.

Upon termination, your right to use the Service ceases immediately. Sections 5.4, 8, 10, 12, 13, 14, and 16 of these Terms survive termination.

You may terminate your account at any time by contacting us at [email protected]. Termination does not entitle you to a refund of any prepaid fees.

16. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles.

Any dispute arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of the Province of Ontario, Canada. You hereby irrevocably consent to such jurisdiction.

Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent irreparable harm.

17. Changes to These Terms

We may update these Terms from time to time. When we do, we will revise the "Last Updated" date at the top of this page and, for material changes, notify you by email or via in-platform notification at least 14 days before the changes take effect.

Your continued use of the Service after the effective date of updated Terms constitutes your acceptance of the changes. If you do not agree to the updated Terms, you must stop using the Service before the effective date.

18. General Provisions

Entire Agreement. These Terms, together with our Privacy Policy, constitute the entire agreement between you and CertGo regarding the Service and supersede all prior agreements.

Severability. If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

Waiver. Failure to enforce any provision of these Terms shall not constitute a waiver of our right to enforce it in the future.

Assignment. You may not assign your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations freely.

19. Contact Us

If you have any questions about these Terms of Service, please contact us at [email protected].