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Terms of Use

Effective September 14, 2026

1. Agreement

These Terms are an agreement between you and Bohdan Svitlyk, operating Life License Exam (“we”, “us”), for the Life Insurance License Exam iOS app (the “App”) and the website (the “Site”). By using them you accept these Terms. The agreement is between you and us only, not Apple.

2. License

We grant you a personal, non-transferable, non-exclusive license to use the App on Apple-branded devices you own or control, as permitted by the App Store Usage Rules, including Family Sharing or volume purchasing where available. You must comply with applicable third-party terms when using the App.

3. Maintenance and support

We alone are responsible for maintenance and support of the App. Apple has no obligation to provide any maintenance or support. Contact us at examprepappios@gmail.com.

4. Warranty

We are responsible for any product warranty not effectively disclaimed. If the App fails to conform to an applicable warranty, you may notify Apple and Apple will refund the purchase price, if any; to the maximum extent permitted by law Apple has no other warranty obligation with respect to the App.

5. Product claims

We, not Apple, are responsible for addressing any claims by you or a third party relating to the App, including product liability claims, claims that the App fails to meet legal or regulatory requirements, and claims under consumer protection, privacy or similar laws.

6. Intellectual property claims

If a third party claims that the App or your use of it infringes their intellectual property rights, we, not Apple, are solely responsible for the investigation, defense, settlement and discharge of that claim.

8. Third-party beneficiary

Apple and its subsidiaries are third-party beneficiaries of these Terms and, once you accept them, have the right to enforce them against you.

9. Exam preparation only

The App and Site provide practice material for state life insurance licensing exams. They are not affiliated with, endorsed by or sponsored by any state department of insurance, Pearson VUE, PSI or any other testing provider.

We do not guarantee that you will pass any exam. Readiness scores, estimates and study plans are study aids calculated from your answers, not predictions of an official result. Licensing rules and exam outlines change — confirm current requirements with your state and the testing provider.

The App is intended for adults aged 18 and over. It does not provide prelicensing or continuing-education credit, issue a license, or replace an approved course. Materials are educational and do not constitute individual legal, tax, financial or insurance advice. Practice questions are not actual confidential examination questions.

Questions are written against published sources and reviewed, but errors are possible. If you believe an answer is wrong, report it in the App or email examprepappios@gmail.com.

10. Purchases and subscriptions

  • The free version includes the diagnostic, explanations, spaced review and a daily practice allowance.
  • Premium unlocks unlimited practice, full mock exams and the full topic breakdown, as a one-time purchase or a weekly auto-renewing subscription. Prices are shown in the App before purchase.
  • Premium covers the available Texas, Florida, Georgia and New York life exam banks in this App. It does not include exam fees or an approved licensing course. A one-time purchase is a non-consumable unlock without recurring charges; weekly access lasts while the subscription is active. Neither purchase promises a passing result or a fixed number of years of future service. Any broader promise shown when you purchased remains applicable. Separate apps and future products are not included unless expressly offered.
  • Payment is charged to your Apple ID account when you confirm the purchase.
  • A subscription renews automatically unless cancelled at least 24 hours before the end of the current period. Your account is charged for renewal within 24 hours before the period ends.
  • If a free trial is offered, it converts to a paid subscription unless cancelled at least 24 hours before it ends. Any unused part of a trial is forfeited when you buy a subscription.
  • Manage or cancel subscriptions in Settings → [your name] → Subscriptions on your device. Deleting the App or your account does not cancel a subscription. A one-time purchase does not automatically cancel an existing weekly subscription.
  • Use “Restore Purchases” in the App to restore purchases on a new device.
  • Weekly subscribers may qualify for extra free study time under the Pass Guarantee. It is not a promise of a passing result.

11. Refunds

Purchases are processed by Apple, and refunds are handled by Apple under its policies. You can request one at reportaproblem.apple.com. This does not exclude refunds or other remedies required by applicable consumer law.

12. Acceptable use

Do not redistribute protected questions or explanations without permission, misuse accounts, or use the App unlawfully. Restrictions on copying or reverse engineering apply only to the extent permitted by law and do not restrict rights in public-domain materials or lawful statutory exceptions. Family Sharing follows Apple’s applicable rules.

13. Privacy

Our Privacy Policy explains how we handle your data.

14. Termination

You may stop using the App and delete your account at any time. We may suspend or end your access if you materially breach these Terms. Where appropriate, we will notify you and allow a reasonable opportunity to correct the breach. If we discontinue paid services, we will provide reasonable notice where practicable and honor refunds or other remedies required by law or the terms of your purchase.

15. Disclaimer and limitation of liability

The App and Site are provided “as is” and “as available”, without warranties of any kind, express or implied, to the extent permitted by law. We are not liable for indirect, incidental, special or consequential damages, including the outcome of any exam or licensing decision. Nothing in these Terms limits rights you have under mandatory consumer law or liability that cannot legally be excluded, including fraud or other non-excludable misconduct.

16. Changes

We may update these Terms. The effective date shows the latest version; for material changes we will notify you in the App and request acceptance where appropriate. Changes apply prospectively and do not retroactively remove rights from an existing purchase.

17. Governing law

These Terms are governed by the laws of Ukraine, without prejudice to mandatory consumer protection laws of the country where you live, including for users in the EU/EEA.

18. Contact

Bohdan Svitlyk, Ukraine — examprepappios@gmail.com
For support or a complaint, describe the issue and include the relevant purchase or app details, without sending payment card information or passwords. Contacting us does not prevent you from exercising legal remedies or contacting a regulator.
Apple support: support.apple.com