Terms of Service

The contract

By creating an account or using SpeedLearning you agree to these Terms and to our Privacy Policy. If anything here does not work for you, please do not use the Service. These Terms incorporate the full set of our policies, listed under “Everything that’s incorporated” below.

Who can use it

You must be at least 18 years old and able to form a binding contract; the age gate is self-declared, so we rely on your representation rather than verifying age at sign-up. SpeedLearning carries content on health, hormones, finance, contentious history, and other areas where adult judgment is required, and sellers submit financial and tax-identity information.

Children and minors

The Service is not directed to and may not be used by anyone under 18, and we do not knowingly collect personal information from minors. If we learn or reasonably suspect an account belongs to someone under 18 we may terminate it and delete its data, including any tax, payout, or financial information, and we will not complete pending payouts to a suspected-minor seller. A parent or guardian can report a minor’s account to privacy@speedlearning.com.

What the Service does

SpeedLearning turns a topic you choose into a “Dive” — a set of learning artifacts (a TL;DR, written report, study guide, slides, flashcards, mind map, quiz, and, where enabled, a narrated video) synthesized by automated AI pipelines from publicly available sources, plus an AI “librarian” chat grounded in that Dive. Dives are stored in your Library. You can also list Dives for sale to, and buy Dives from, other users through the Marketplace.

AI-generated content — accuracy

Dives and chat responses are produced by automated systems and large language models and may contain errors, omissions, or outdated information. They are for general learning and informational purposes only and are NOT professional advice of any kind — including medical, legal, financial, tax, or mental-health advice — and must not be relied on as a substitute for a qualified professional. A Dive is an automated AI synthesis and generally will not include footnotes, inline citations, or a sources list, and the absence of citations is not a representation that the content is original, verified, free of third-party material, or accurate. You are responsible for independently verifying anything you act on.

Fees and payments

The fee to generate a Dive is charged when you confirm Generate, before any sourcing or AI work begins, behind a deliberate double-confirmation step; the price and any discount shown at that step are frozen for that specific generation, and the fee is non-refundable except as described in the Refund Policy. We may offer a one-time, company-funded first-dive discount on your first paid generation; it applies once per account and does not stack with a promo code (the larger discount wins). Payments are processed by our payment provider and merchant of record, FanBasis, which handles card tokenization and applicable sales-tax collection — we never receive or store full card numbers. We may change prices, discounts, credit-bundle pricing, and promotional terms prospectively, but a change never affects a generation already frozen at confirmation or credits already purchased.

Your content and the licenses you grant

As between you and us, you own the topics and prompts you submit and the Dives generated for you. You grant us a worldwide, non-exclusive, royalty-free license to host, store, process, and display them solely to provide, secure, support, and improve the Service. We do not use your private Library to train publicly released AI models. If you publish or list a Dive, you grant the additional licenses described in the Seller terms; and if you supply your own source URLs, you confirm you have the right to have us fetch and synthesize them, and the indemnity below extends to claims arising from content we fetch at your direction.

Acceptable use

Your use of the Service is subject to the Acceptable Use Policy, which lists prohibited topics and conduct (including a zero-tolerance rule for child sexual abuse material) and describes how content screening and reporting work. Violations may result in content removal, suspension, or termination.

Intellectual property

The Service and its software, design, text, and graphics (excluding your content and third-party content) are owned by SpeedLearning or its licensors. “SpeedLearning,” the logo, and related marks are our trademarks; do not use them without our prior written permission.

Third-party services and source retrieval

The Service relies on third parties (including Auth0, FanBasis, Anthropic, ElevenLabs, Amazon Web Services, Resend, and one or more network-egress/proxy providers), and your use of them may be subject to their terms. When the Service gathers source material on its own initiative — for example, ingesting publicly available video transcripts in “auto” mode, including through network-egress infrastructure we engage — that retrieval is performed by the Company, and we, not you, are responsible for how we conduct it. Sources you supply or direct us to fetch are governed instead by the “Your content” section above.

Suspension and termination

You may stop using the Service and delete your account at any time in Settings → Danger Zone → Delete account. We may suspend, restrict, terminate, or soft-delete your account and unlist or remove your Dives or listings, with or without advance notice, if you violate these Terms or the Acceptable Use Policy, upon an upheld copyright claim, if required by law, for suspected fraud or chargeback abuse, or to protect the Service or others; where circumstances reasonably permit we aim to give you notice and the reason. If you believe an action was an error you may appeal to support@speedlearning.com (trust@ for AUP matters, dmca@ for copyright). For sellers, suspension or termination does not forfeit payouts you have already earned — already-earned, undisputed, eligible proceeds and cleared in-flight sales are paid out in the ordinary course, subject to lawful withholding or offset and to required tax documentation being on file.

Disclaimers and limitation of liability

The Service is provided “as is” and “as available,” without warranties of any kind, including any warranty that generated content is accurate, complete, or reliable. To the fullest extent permitted by law, SpeedLearning will not be liable for indirect, incidental, special, consequential, or punitive damages, and our total aggregate liability for all claims is capped at the greater of the total fees you paid us in the 12 months before the claim or US$100. The cap and exclusions do not apply to fraud, willful misconduct, amounts you owe us under the indemnity, death or personal injury caused by our negligence, or any liability that cannot lawfully be limited — and they do not apply to a data-breach or gross-negligence claim to the extent a court holds the cap unenforceable there.

Governing law and disputes

These Terms are governed by the laws of the State of Florida and, for the arbitration agreement, the Federal Arbitration Act. After a 30-day informal-resolution step, most disputes between you and SpeedLearning are resolved by final and binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, with a class-action and mass-arbitration waiver, a small-claims and intellectual-property carve-out, and a 30-day opt-out; if you opt out or arbitration does not apply, the exclusive venue is the state and federal courts in Palm Beach County, Florida. Nothing here displaces any payment-dispute, refund, or chargeback rights you have against FanBasis as merchant of record. Any claim relating to the Service must be filed within one (1) year after it accrues, where enforceable.

Electronic communications (E-SIGN)

By creating an account or using the Service you consent to do business with us electronically and to receive all agreements, disclosures, notices, receipts, earnings statements, and legal notices electronically, with the same effect as paper records and a handwritten signature under the E-SIGN Act and applicable UETA. Furnishing tax forms such as a 1099 electronically requires a separate, IRS-compliant consent collected during seller/tax onboarding; without it we furnish required tax forms on paper. You can withdraw consent or request paper copies by emailing support@speedlearning.com, though withdrawing generally means we can no longer provide the Service, and you must keep your email and contact information current so we can reach you.

Force majeure

We are not liable for, and our performance is excused or suspended during, delays or failures caused by events beyond our reasonable control — including outages, rate-limiting, or material changes by upstream AI, text-to-speech, payment, authentication, hosting, network-egress, or email providers we rely on. Where such an event (or another issue on our side) prevents a generation from delivering, your sole and exclusive remedy is the refund or equivalent credit described in the Refund Policy.

Changes to these terms

This single change-notice provision governs these Terms and every incorporated policy. For material changes we will notify you by email and in-app at least 14 days before they take effect and update the “Last updated” date; non-material changes may take effect when posted, and continued use after the effective date means you accept the change. A change to the dispute-resolution or arbitration terms will not apply to a dispute we already have notice of, and a material change there gives you a renewed chance to opt out.

Everything that’s incorporated

These Terms, together with our Privacy Policy, Refund Policy, Tax Policy, Marketplace Seller Terms, Acceptable Use Policy, DMCA/Copyright Policy, Cookie Policy, Accessibility Statement, and Data Deletion page — plus, once published, the Security Policy, Affiliate Terms, and Billing & Credits Policy — are the entire agreement between us, and each of those policies is part of these Terms. If these Terms and an incorporated policy conflict, these Terms control, except that the more specific policy governs for the subject it specifically addresses.

Contact

SpeedLearning LLC, 2000 PGA Blvd., Suite 4440, Palm Beach Gardens, FL 33408. General/support: support@speedlearning.com. Legal notices: legal@speedlearning.com.