TERMS OF SERVICE

1) About StackMed and these Terms

1.1 Who we are

StackMed is operated by:
Cerna Learn Ltd ("StackMed", "we", "us", "our")
Registered address: [REGISTERED ADDRESS]
Company number: [COMPANY NUMBER] (if applicable)
Email: support@stackmed.co.uk

1.2 Acceptance

By creating an account, purchasing a subscription, or using the Service, you agree to these Terms. If you do not agree, do not use the Service.

1.3 Changes

We may update these Terms from time to time. If changes are material, we will take reasonable steps to notify you (for example, by email or an in-app notice). If you do not agree to the updated Terms, you should stop using the Service and (if you have a subscription) cancel it.

2) Definitions

• "Account" means your StackMed user account.
• "Content" means our questions, explanations, text, images, study materials, and any other materials we provide.
• "User Content" means notes, comments, or other content you create and store in the Service.
• "Subscription" means a paid plan that provides access to certain features or Content for a recurring fee.
• "Service" means the StackMed website, apps (if any), and related services we provide.

3) Eligibility and permitted use

3.1 Age

The Service is intended for adult learners and medical students. If you are under 13 you must not use the Service.

3.2 Personal study use only

You may use the Service and Content for your personal, non-commercial study. You must not use the Service to build or support a competing product or service.

4) Accounts and security

4.1 Account information

You must provide accurate information when creating an Account and keep it up to date.

4.2 Keeping your credentials safe

You are responsible for safeguarding your login details and for activity on your Account. Notify us immediately at support@stackmed.co.uk if you suspect unauthorised access.

4.3 Account sharing

Unless we explicitly permit it in writing, Accounts are for one person only. You must not share, sell, transfer, or sublicense your Account or login credentials.

5) Acceptable use (what you must not do)

You agree you will not (and will not attempt to):

• copy, reproduce, distribute, publicly display, sell, sublicense, or otherwise exploit any Content except as allowed by these Terms;
• scrape, harvest, download in bulk, or use bots/automated tools to access the Service or Content;
• bypass, disable, or interfere with security features, paywalls, rate limits, access controls, or technical protections;
• reverse engineer or attempt to extract source code (except to the extent permitted by law);
• upload or post User Content that is unlawful, defamatory, harassing, hateful, obscene, or otherwise harmful;
• upload User Content that infringes intellectual property or privacy rights of others;
• introduce malware, viruses, or anything that could harm the Service or other users;
• use the Service in breach of any applicable laws or regulations.

We may remove User Content and/or restrict access where we reasonably believe you have breached these Terms.

6) Intellectual property and licence

6.1 Our IP

All intellectual property rights in the Service and Content are owned by or licensed to StackMed.

6.2 Limited licence to you

We grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Service and Content for personal, non-commercial study while you comply with these Terms.

6.3 Feedback

If you provide suggestions or feedback, you grant us a right to use it without restriction or compensation.

7) User Content (notes, comments, etc.)

7.1 Your responsibility

You are responsible for your User Content. Do not include patient identifiable information or confidential third-party information.

7.2 Licence to operate the Service

You retain ownership of your User Content. You grant StackMed a worldwide, non-exclusive, royalty-free licence to host, store, reproduce, display, and process your User Content solely to operate, maintain, and improve the Service (including moderation and security).

7.3 Removal

You can delete your User Content where the Service provides this function. We may also remove User Content that breaches these Terms or applicable law.

8) Subscriptions, billing, cancellations, and refunds

8.1 Billing and renewal

Subscriptions are billed in advance on a recurring basis (e.g., monthly or annually) unless stated otherwise at checkout. Your Subscription will auto-renew unless you cancel before the renewal date.

8.2 Cancelling

You can cancel at any time via Account Settings (or by contacting support@stackmed.co.uk if that option is unavailable). If you cancel, you will generally retain access until the end of your current paid billing period.

8.3 Price changes

If we change Subscription prices, we will provide reasonable notice. Price changes apply from your next renewal unless you cancel before then.

8.4 Statutory cancellation rights (UK consumers)

If you are a UK consumer buying online, you may have a 14-day "cooling-off" right to cancel under the Consumer Contracts Regulations 2013. For digital content not supplied on a tangible medium, you can lose that right if you (i) request immediate access/performance during the cancellation period and (ii) acknowledge that you will lose your right to cancel once supply begins. We will seek these confirmations where applicable.

8.5 Faulty digital content / service issues

Nothing in these Terms limits your statutory rights if the digital content or service is faulty or not as described. Where the law requires, we will provide appropriate remedies.

8.6 Refund policy

Any refunds we offer are in line with (a) your statutory rights and (b) any published refund policy we provide at the point of purchase. Where we provide immediate access to digital content with the confirmations in Section 8.4, you may not be entitled to a "change of mind" refund, but you may still have remedies for faulty content/service.

9) Educational disclaimer (no medical advice)

The Service is for educational and revision purposes only. It does not constitute medical advice, diagnosis, treatment, or clinical supervision. You remain responsible for verifying information using authoritative sources, local policies, and qualified supervision where appropriate.

10) Service availability and changes

10.1 Availability

We aim to keep the Service available, but we do not guarantee uninterrupted access. We may perform maintenance, upgrades, or emergency work that affects availability.

10.2 Changes to the Service

We may modify, add, or remove features or Content to improve the Service, comply with law, or respond to technical or security needs. If changes materially reduce paid functionality, we will act reasonably (which may include offering a pro-rated refund or allowing cancellation) depending on circumstances and your statutory rights.

11) Suspension and termination

11.1 By you

You may stop using the Service and delete your Account at any time (where Account Settings allow). Cancellation of a Subscription is separate from deleting your Account.

11.2 By us

We may suspend or terminate your Account (including access to paid features) if you materially breach these Terms, misuse the Service, or create risk/harm to the Service, other users, or us. Where reasonable, we will provide notice and an opportunity to remedy breaches.

11.3 Effect

On termination, your licence to use the Service ends. Sections that by their nature should survive (e.g., IP, liability, governing law) will survive.

12) Liability (UK consumer-friendly)

12.1 We are responsible for loss or damage you suffer that is a foreseeable result of our breach of these Terms or our negligence. Loss or damage is foreseeable if it is obvious that it will happen or if you and we knew it might happen at the time the contract was made.

12.2 We are not responsible for:

• losses that were not foreseeable; or
• business losses (e.g., loss of profit, loss of business, business interruption) where you use the Service for business purposes.

12.3 Nothing in these Terms excludes or limits liability where it would be unlawful to do so, including liability for death or personal injury caused by negligence, fraud, or fraudulent misrepresentation.

13) Third-party services

The Service may rely on third-party providers (e.g., payment processing, hosting, anti-bot tools). Your use of those providers may be subject to their terms and policies. We are not responsible for third-party services outside our control.

14) Complaints and contact

If you have questions or complaints, contact support@stackmed.co.uk. We aim to respond within a reasonable time.

15) Governing law and jurisdiction

These Terms are governed by the laws of England and Wales. If you are a consumer, nothing in this section deprives you of mandatory consumer protections that apply in your country of residence (where applicable). Subject to that, the courts of England and Wales will have jurisdiction over disputes.