TERMS AND CONDITIONS

Last updated: March 10, 2026

AGREEMENT TO TERMS

These Terms and Conditions (“Terms”) are a legal agreement between you and Zyra Labs LLC (“Company,” “we,” “us,” or “our”) for the Insurance Test Prep mobile application and website (collectively, the “Services”).

By downloading, installing, accessing, or using the Services, you agree to be bound by these Terms. If you do not agree to these Terms, do not use the Services.

1. THE SERVICES

The Services provide test preparation tools for insurance licensing exams. We offer:

Practice questions organized by topic and state
Progress tracking and performance analytics
Spaced repetition and adaptive learning
Study reminders and streak tracking
Exam simulation features (Premium)

The Services are for educational purposes only. We do not guarantee that you will pass any licensing exam. Exam content, requirements, and passing scores are determined by state regulatory bodies, not by us.

2. ELIGIBILITY

You must be at least 18 years old to use the Services. By using the Services, you represent and warrant that you are at least 18 years of age and have the legal capacity to enter into these Terms.

3. ACCOUNTS

3.1 Account Creation

You may use the mobile app as a guest (limited features) or create an account using your email address. We use passwordless authentication—you’ll receive a magic link via email to sign in.

If you use our website, you may provide your email to receive a download link or access web-based features.

3.2 Account Responsibilities

You are responsible for:

Providing accurate and current email information
Maintaining access to your email for login purposes
All activity that occurs under your account
Notifying us promptly if you believe your account has been compromised

3.3 Account Termination

By you: You may delete your account at any time from within the app in Settings.

By us: We may suspend or terminate your account immediately, without prior notice, if you:

Violate these Terms
Engage in fraudulent or illegal activity
Abuse the Services or other users
Attempt to circumvent payment or access controls

Upon termination, your right to use the Services ceases immediately. We may delete your account data in accordance with our Privacy Policy.

4. SUBSCRIPTIONS AND PAYMENTS

4.1 Free Tier

Guest users (no account): Access to 1 topic
Registered free users: Access to 3 topics

4.2 Premium Subscription

Premium unlocks all topics, exam simulators, and advanced features.

We offer various subscription options (such as weekly, monthly, or annual plans) and one-time purchases. The specific plans, pricing, billing cycles, and terms available to you will be presented within the Services before you complete your purchase.

Prices are displayed in the app or on our website before purchase and may vary by region.

4.3 Billing and Auto-Renewal

For mobile app purchases:

All payments are processed by Apple (App Store) or Google (Google Play), not by Zyra Labs LLC
We do not receive or store your payment card information
Subscriptions automatically renew unless you cancel at least 24 hours before the end of the current billing period
Your account will be charged for renewal within 24 hours before the current period ends
Free trial periods, if offered, convert to paid subscriptions unless cancelled before the trial ends

For web purchases:

Payments are processed by Stripe through RevenueCat
The same auto-renewal terms apply

4.4 How to Cancel

iOS: Settings > [Your Name] > Subscriptions > Insurance Test Prep > Cancel Subscription

Android: Google Play Store > Menu > Subscriptions > Insurance Test Prep > Cancel

Web: Contact us at contact@zyralabs.net or manage through your Stripe account

Cancellation takes effect at the end of your current billing period. You will retain Premium access until then.

4.5 Refunds

Mobile purchases: Refunds are handled exclusively by Apple or Google according to their respective policies. We do not have access to process refunds for App Store or Google Play purchases. Contact Apple Support or Google Play Support for refund requests.
Web purchases: Contact us at contact@zyralabs.net within 7 days of purchase if you experience technical issues preventing you from using the Services.

4.6 Price Changes

We may change subscription prices at any time. Price changes for existing subscriptions will take effect at the start of your next billing period. We will provide reasonable notice of price increases.

4.7 Restoring Purchases

If you reinstall the app or switch devices, use the “Restore Purchases” feature to recover your subscription. Your subscription is tied to your Apple ID or Google account, not to your Zyra Labs account.

5. ACCEPTABLE USE

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

Share your account credentials with others or allow others to access your account
Use automated tools, bots, scripts, or scrapers to access the Services
Attempt to extract, copy, or redistribute our question database or content
Reverse engineer, decompile, disassemble, or attempt to derive the source code of the app
Circumvent, disable, or interfere with security features or payment systems
Use the Services to develop a competing product or service
Reproduce, redistribute, or publicly display our content without permission
Use the Services for any illegal purpose or in violation of any laws
Interfere with or disrupt the Services, servers, or networks
Impersonate any person or entity or misrepresent your identity
Attempt to gain unauthorized access to any part of the Services
Make the Services available over a network where they could be used by multiple devices at the same time
Create derivative works based on, or otherwise modify, adapt, or translate, the Services or any part thereof

6. INTELLECTUAL PROPERTY

6.1 Our Content

All content in the Services—including but not limited to practice questions, explanations, graphics, logos, icons, images, audio, video, software, and design—is owned by Zyra Labs LLC or our licensors and is protected by copyright, trademark, and other intellectual property laws.

6.2 License to You

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to:

Download and install the app on devices you own or control
Access and use the Services for your personal, non-commercial study purposes

This license does not include the right to:

Modify, adapt, or create derivative works
Sublicense, sell, rent, or lease the Services
Use the Services for commercial purposes
Remove any copyright or proprietary notices

6.3 Reservation of Rights

We reserve all rights not expressly granted in these Terms. Nothing in these Terms grants you any right to use our trademarks, logos, or brand features.

7. THIRD-PARTY SERVICES

7.1 Third-Party Integrations

The Services rely on and may enable access to third-party services, platforms, and websites, including but not limited to Apple App Store, Google Play Store, Firebase, RevenueCat, Stripe, and PostHog (collectively, “Third-Party Services”). Your use of any Third-Party Services is at your sole risk and subject to the terms and conditions of the applicable third-party provider.

7.2 No Responsibility for Third-Party Services

We do not control, endorse, or assume any responsibility for Third-Party Services, including their content, privacy policies, or practices. We make no representations or warranties regarding the availability, accuracy, or reliability of any Third-Party Services.

7.3 Third-Party Service Modifications

We reserve the right to modify, suspend, or discontinue integration with any Third-Party Service at any time without prior notice or liability to you.

8. DATA COLLECTION AND USE

You acknowledge and agree that we may periodically collect and use technical and related information from your device, system, and application software to facilitate the provision of software updates, product support, and other services related to the Services. This may include, but is not limited to, device identifiers, operating system version, app version, usage statistics, and performance data.

8.2 Use of Collected Data

We may use the information described in Section 8.1 in a form that does not personally identify you, to improve the Services, provide product support, develop new features, and verify compliance with these Terms.

8.3 Privacy Policy

Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Services, you consent to the practices described therein.

9. DISCLAIMERS

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

To the fullest extent permitted by law, we disclaim all warranties, including but not limited to:

Merchantability and fitness for a particular purpose
Accuracy, completeness, or reliability of any content
Uninterrupted, timely, secure, or error-free operation
Freedom from viruses or other harmful components
Quiet enjoyment or non-infringement

WE DO NOT WARRANT OR GUARANTEE THAT:

You will pass any insurance licensing exam
Our practice questions match actual exam questions
Our content is current with the latest exam requirements
The Services will meet your specific requirements

Exam content and requirements are determined by state regulatory bodies. You are responsible for verifying current exam requirements with the appropriate licensing authority.

YOU ACKNOWLEDGE THAT YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK. SHOULD THE SERVICES PROVE DEFECTIVE, YOU ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR, OR CORRECTION.

10. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

10.1 No Consequential Damages

In no event will Zyra Labs LLC, its officers, directors, employees, agents, or licensors be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

Loss of profits, revenue, or business opportunities
Loss of data or data corruption
Failure to pass any exam or obtain any license
Cost of substitute services
Service interruptions or downtime
Business interruption

This applies regardless of the theory of liability (contract, tort, negligence, strict liability, or otherwise) and even if we have been advised of the possibility of such damages.

10.2 Cap on Liability

Our total aggregate liability for any and all claims arising from or related to these Terms or the Services shall not exceed the greater of:

The total amount you paid to us in the 12 months preceding the claim, or
One hundred US dollars ($100)

10.3 Jurisdictional Limitations

Some jurisdictions do not allow the exclusion of certain warranties or the limitation of liability for certain damages. In such jurisdictions, our liability is limited to the maximum extent permitted by law.

11. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless Zyra Labs LLC and its officers, directors, employees, agents, and licensors from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising from or related to:

Your use of the Services
Your violation of these Terms
Your violation of any third-party rights
Any content you submit or transmit through the Services
Your violation of any applicable laws or regulations

We reserve the right, at our own expense, to assume exclusive defense and control of any matter subject to indemnification by you, and you agree to cooperate with our defense.

12. DISPUTE RESOLUTION

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.

12.1 Informal Resolution First

Before initiating any formal dispute resolution, you agree to contact us at contact@zyralabs.net and attempt to resolve the dispute informally for at least 30 days. Most disputes can be resolved this way.

12.2 Binding Arbitration

If we cannot resolve a dispute informally, you and Zyra Labs LLC agree to resolve any dispute, claim, or controversy arising out of or relating to these Terms or the Services through binding individual arbitration, rather than in court, except as set forth below.

Arbitration Rules:

Arbitration will be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules
Arbitration may be conducted by phone, video conference, or based on written submissions—no in-person appearance required unless the arbitrator determines otherwise
The arbitrator will have exclusive authority to resolve all disputes, including arbitrability
The arbitrator’s decision is final and binding and may be entered as a judgment in any court of competent jurisdiction

Arbitration Fees:

If your claim is $10,000 or less, we will pay all arbitration fees
If your claim exceeds $10,000, arbitration fees will be allocated per AAA rules
Each party is responsible for its own attorneys’ fees unless the arbitrator awards fees to the prevailing party

12.3 Class Action Waiver

YOU AND ZYRA LABS LLC AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE ACTION.

The arbitrator may not consolidate claims or preside over any class, collective, or representative proceeding. If this class action waiver is found unenforceable, then the entirety of this arbitration agreement shall be null and void, and the dispute shall proceed in court.

12.4 Exceptions to Arbitration

Either party may:

Bring an individual action in small claims court if the claim qualifies
Seek injunctive or equitable relief in court to prevent infringement of intellectual property rights

12.5 Opt-Out Right

You may opt out of this arbitration agreement by sending written notice to contact@zyralabs.net within 30 days of first using the Services. Your notice must include your name, email address associated with your account (if any), and a clear statement that you wish to opt out of arbitration. If you opt out, you may pursue claims in court, but you still waive the right to participate in a class action.

13. GOVERNING LAW

These Terms and any dispute arising from or relating to them or the Services shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law principles.

If arbitration does not apply (due to opt-out or exception), you agree to submit to the exclusive jurisdiction of the state and federal courts located in Delaware.

The United Nations Convention on the International Sale of Goods shall not apply to these Terms.

14. EXPORT COMPLIANCE

You represent and warrant that:

You are not located in a country that is subject to a United States Government embargo or that has been designated by the United States Government as a “terrorist supporting” country
You are not listed on any United States Government list of prohibited or restricted parties, including the U.S. Treasury Department’s Specially Designated Nationals List or the U.S. Department of Commerce Denied Persons List or Entity List
You will not use the Services for any purposes prohibited by United States law, including the development, design, manufacture, or production of nuclear, missile, chemical, or biological weapons
You will comply with all applicable export and re-export control laws and regulations, including the Export Administration Regulations maintained by the U.S. Department of Commerce, trade and economic sanctions maintained by the Treasury Department’s Office of Foreign Assets Control (OFAC), and the International Traffic in Arms Regulations maintained by the Department of State

15. U.S. GOVERNMENT END USERS

The Services and related documentation are “Commercial Items” as that term is defined in 48 C.F.R. §2.101, consisting of “Commercial Computer Software” and “Commercial Computer Software Documentation,” as such terms are used in 48 C.F.R. §12.212 or 48 C.F.R. §227.7202, as applicable. The Services are being licensed to U.S. Government end users (a) only as Commercial Items and (b) with only those rights as are granted to all other end users pursuant to these Terms.

16. CHANGES TO TERMS

We reserve the right to modify these Terms at any time. When we make material changes:

We will update the “Last updated” date at the top
We will notify you through the app or by email
We may require you to accept the updated Terms before continuing to use the Services

Your continued use of the Services after changes take effect constitutes acceptance of the revised Terms.

17. GENERAL PROVISIONS

17.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Zyra Labs LLC regarding the Services and supersede all prior agreements and understandings.

17.2 Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

17.3 No Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. Any waiver must be in writing and signed by us.

17.4 Assignment

You may not assign or transfer these Terms or your rights under them without our prior written consent. We may assign our rights and obligations without restriction.

17.5 Force Majeure

We shall not be liable for any failure or delay in performing our obligations due to circumstances beyond our reasonable control, including natural disasters, war, terrorism, labor disputes, government actions, internet or telecommunications failures, or pandemics.

17.6 Notices

We may send notices to you via email, in-app notification, or by posting on the Services. You may send notices to us at the contact information below.

18. APPLE APP STORE TERMS

If you downloaded the app from the Apple App Store, the following additional terms apply:

These Terms are between you and Zyra Labs LLC only, not Apple Inc. (“Apple”)
Apple has no obligation to furnish any maintenance or support services for the app
In the event of any failure of the app to conform to any applicable warranty, you may notify Apple for a refund of the purchase price (if any); Apple has no other warranty obligation
Apple is not responsible for addressing any claims relating to the app or your possession and/or use of the app, including but not limited to: (i) product liability claims, (ii) any claim that the app fails to conform to any applicable legal or regulatory requirement, and (iii) claims arising under consumer protection, privacy, or similar legislation
In the event of any third-party claim that the app or your possession and use of the app infringes that third party’s intellectual property rights, Zyra Labs LLC, not Apple, will be solely responsible for the investigation, defense, settlement, and discharge of any such claim
Apple and its subsidiaries are third-party beneficiaries of these Terms and, upon your acceptance, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary thereof

19. GOOGLE PLAY TERMS

If you downloaded the app from Google Play, the following additional terms apply:

These Terms are between you and Zyra Labs LLC only, not Google LLC (“Google”)
Google has no obligation to provide maintenance or support for the app
Google is not responsible for any claims relating to the app

20. CONTACT US

If you have questions about these Terms, please contact us:

Zyra Labs LLC 131 Continental Dr Suite 305 Newark, DE 19713 United States

Email: contact@zyralabs.net