1. Introduction
Welcome to TmuaBank ("we," "our," or "us"). These Terms of Service ("Terms") govern your access to and use of our online platform for TMUA revision, including our website, mobile applications, and related services (collectively, the "Service").
By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of these Terms, you may not access the Service.
2. Acceptance of Terms
By creating an account, accessing, or using our Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you are using the Service on behalf of an organization, you represent and warrant that you have authority to bind that organization to these Terms.
3. Account Registration and Security
To access certain features of our Service, you must register for an account. You agree to:
- Provide accurate, current, and complete information during registration
- Maintain and promptly update your account information to keep it accurate, current, and complete
- Maintain the security of your account credentials
- Accept responsibility for all activities that occur under your account
- Notify us immediately of any unauthorized use of your account
- Ensure you are at least 13 years old (or the age of majority in your jurisdiction) to use the Service
We use Clerk for authentication services. By creating an account, you also agree to Clerk's Terms of Service and Privacy Policy. You are responsible for maintaining the confidentiality of your account credentials and for all activities under your account.
4. Subscription and Payment Terms
Our Service offers subscription plans, including monthly and quarterly options. By subscribing, you agree to the following:
- Payment Processing: Payments are processed securely through Stripe. By providing payment information, you authorize us to charge your payment method for subscription fees.
- Subscription Fees: Subscription fees are charged according to your selected plan and billing cycle. Fees are non-refundable except as required by law or as stated in these Terms.
- Automatic Renewal: Recurring subscriptions automatically renew unless cancelled before the renewal date. You authorize us to charge your payment method for renewal fees.
- Price Changes: We reserve the right to modify subscription prices. We will provide notice of price changes, and you may cancel your subscription if you do not agree to the new pricing.
- Cancellation: You may cancel your subscription at any time. Cancellation takes effect at the end of your current billing period. You will retain access until the end of the paid period.
- Refunds: Subscription fees are generally non-refundable. Refunds may be provided at our sole discretion or as required by applicable law.
- Free Trials: Certain plans may include a free trial period. If you do not cancel before the trial ends, you will be automatically charged for the subscription.
By using our payment services, you also agree to Stripe's Terms of Service and Privacy Policy. We are not responsible for Stripe's services or their compliance with applicable laws.
5. Use of Service
You agree to use our Service only for lawful purposes and in accordance with these Terms. You agree not to:
- Violate any applicable laws or regulations
- Infringe upon the rights of others
- Transmit any malicious code, viruses, or harmful software
- Attempt to gain unauthorized access to our systems or other users' accounts
- Interfere with or disrupt the Service or servers
- Use the Service to harass, abuse, or harm others
- Reproduce, duplicate, copy, or exploit any portion of the Service without permission
- Use automated systems to access the Service without authorization
- Share your account credentials with others
6. Intellectual Property Rights
The Service, including its original content, features, functionality, design, and logos, is owned by us and protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.
You are granted a limited, non-exclusive, non-transferable license to access and use the Service for your personal, non-commercial use in accordance with these Terms. You may not:
- Modify, adapt, or create derivative works from our content
- Distribute, sell, lease, or sublicense any part of the Service
- Remove or alter any copyright, trademark, or proprietary notices
- Reverse engineer or attempt to extract source code from the Service
Past papers and exam materials provided through our Service may be subject to their own copyright protections. You agree to respect all copyright and intellectual property rights.
7. User Content
The Service may allow you to save questions, track progress, and create study materials. You retain ownership of any content you create. By using the Service, you grant us a worldwide, non-exclusive, royalty-free license to use, store, and process your content solely for the purpose of providing and improving the Service.
You are solely responsible for your content and represent that you have all necessary rights to grant us the license described above. We reserve the right to remove any content that violates these Terms or is otherwise objectionable.
8. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" 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, secure, error-free, or free from viruses or other harmful components. We are not responsible for any loss or damage resulting from your use of the Service, including but not limited to:
- Loss of data or content
- Service interruptions or downtime
- Errors or inaccuracies in content
- Unauthorized access to your account
- Third-party services (including Clerk and Stripe)
TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE TWELVE MONTHS PRIOR TO THE CLAIM. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF IMPLIED WARRANTIES OR LIABILITY, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.
9. Termination
We may terminate or suspend your account and access to the Service immediately, without prior notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties, or for any other reason.
You may terminate your account at any time by deleting your account through your account settings. Upon termination:
- Your right to use the Service will immediately cease
- We may delete your account and associated data
- All provisions of these Terms that by their nature should survive termination shall survive
If you have an active subscription, you must cancel it before deleting your account. We are not obligated to provide refunds upon termination.
10. Changes to Terms
We reserve the right to modify these Terms at any time. We will notify users of material changes by posting the updated Terms on our website and updating the "Last updated" date. Your continued use of the Service after such modifications constitutes acceptance of the updated Terms.
If you do not agree to the modified Terms, you must stop using the Service and may cancel your account.
11. Governing Law and Dispute Resolution
These Terms shall be governed by and construed in accordance with the laws of England and Wales, without regard to its conflict of law provisions.
Any disputes arising out of or relating to these Terms or the Service shall be subject to the exclusive jurisdiction of the courts of England and Wales.
If you are a consumer, you may have additional rights under consumer protection laws that cannot be excluded or limited by these Terms.
12. Contact Information
If you have any questions about these Terms, please contact us at:
Email: enquiries@tmuabank.co.uk
By using our Service, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.