Terms of Service

1. Eligibility

You must be at least 13 years of age to use the Services. If you are under the age of majority in your jurisdiction, you may use the Services only with the involvement and consent of a parent or legal guardian. By using the Services, you represent and warrant that you meet these eligibility requirements and that the information you provide is accurate and complete.

2. Educational Purpose Only; Not Financial Advice

The Services provide general financial education content, including lessons, quizzes, and learning materials. All content is provided for informational and educational purposes only and does not constitute financial, investment, tax, legal, or other professional advice. TURNIT is not a registered investment adviser, broker-dealer, or financial planner, and nothing in the Services should be interpreted as a recommendation to buy, sell, or hold any security or to adopt any investment strategy. You are solely responsible for your own financial decisions and should consult a qualified professional before acting. For more information, please review our Disclaimer.

3. Accounts and Security

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to provide accurate information, to keep it current, and to notify us promptly of any unauthorized use or security breach. We are not liable for any loss or damage arising from your failure to safeguard your credentials.

4. Acceptable Use

You agree not to:

• Use the Services for any unlawful, fraudulent, or unauthorized purpose;
• Attempt to gain unauthorized access to the Services, other accounts, or our systems or networks;
• Interfere with, disrupt, or impose an unreasonable load on the Services or related infrastructure;
• Reverse engineer, decompile, or attempt to extract source code except where permitted by law;
• Copy, reproduce, distribute, or create derivative works from our content except as expressly permitted; or
• Use any automated means to access or scrape the Services without our prior written consent.

5. Intellectual Property

The Services and all content, features, and functionality, including text, graphics, logos, and software, are owned by TURNIT or its licensors and are protected by copyright, trademark, and other intellectual property laws. Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your personal, non-commercial educational use. All rights not expressly granted are reserved.

6. Third-Party Content and Links

The Services may reference or link to third-party websites, resources, or content. We do not control and are not responsible for the availability, accuracy, or content of such third-party resources, and the inclusion of any link does not imply our endorsement. Your use of third-party resources is at your own risk and subject to their terms.

7. Disclaimer of Warranties

THE SERVICES AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, SECURE, ERROR-FREE, OR THAT ANY CONTENT IS ACCURATE, COMPLETE, OR CURRENT. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL TURNIT OR ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUES, DATA, OR GOODWILL, ARISING OUT OF OR RELATING TO YOUR USE OF OR INABILITY TO USE THE SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR CERTAIN DAMAGES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

9. Indemnification

You agree to indemnify, defend, and hold harmless TURNIT and its affiliates from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with your access to or use of the Services or your violation of these Terms.

10. Termination

We may suspend or terminate your access to the Services at any time, with or without notice, if we believe you have violated these Terms or to protect the Services or other users. You may stop using the Services and request deletion of your account at any time. Provisions that by their nature should survive termination will survive.

11. Changes to the Services and Terms

We may modify or discontinue the Services, in whole or in part, at any time. We may also revise these Terms from time to time. When we make material changes, we will update the "Last updated" date above. Your continued use of the Services after changes become effective constitutes your acceptance of the revised Terms.

12. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Florida and applicable U.S. federal law, without regard to conflict-of-laws principles. You agree that any dispute arising out of or relating to these Terms or the Services will be subject to the exclusive jurisdiction of the state and federal courts located in Florida, unless otherwise required by applicable law.

13. Severability and Entire Agreement

If any provision of these Terms is found to be unenforceable, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect. These Terms, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and TURNIT regarding the Services.

14. Contact Us

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