Terms of Service

Last updated: May 21, 2026

These Terms of Service (“Terms”) govern your access to and use of IBPrep (the “Service”), operated by Curren Malhotra(“we,” “us,” or “our”), and available at https://ib-prep-sand.vercel.app. By creating an account, accessing, or using the Service, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the Service.

IMPORTANT — Arbitration and class action waiver. These Terms include a binding arbitration clause and a waiver of your right to participate in class actions. Please read Section 16 carefully — it affects your legal rights.

Table of contents

1. Eligibility
2. Your account
3. Subscription plans
4. Billing, payment, and cancellation
5. Refunds
6. No financial or professional advice
7. Our content and intellectual property
8. Your content and feedback
9. Acceptable use
10. Third-party services
11. Termination
12. Service availability and changes
13. Disclaimers
14. Limitation of liability
15. Indemnification
16. Dispute resolution and arbitration
17. Governing law
18. Changes to these Terms
19. Contact

1. Eligibility

You must be at least 18 years old to use the Service. By creating an account, you represent and warrant that (a) you are at least 18 years of age; (b) the information you provide to us is accurate and complete; and (c) your use of the Service does not violate any applicable law or regulation.

2. Your account

To access most features of the Service, you must create an account. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to notify us promptly at gen7423@gmail.com of any unauthorized use of your account.

You may not share your account with others, and you may not create an account using false information or on behalf of someone other than yourself. We may suspend or terminate accounts that violate these Terms.

3. Subscription plans

The Service is offered in two tiers:

• Free. Access to a curated subset of practice questions and bulge-bracket bank profiles, basic progress tracking, and core practice features. No payment required.
• Pro. Full access to all practice questions, all bank profiles, advanced filters, full progress analytics, and any new content added during your subscription. Pro is a paid recurring subscription.

We reserve the right to add, remove, or modify features included in each tier. Material changes to your active subscription will be communicated with reasonable advance notice.

4. Billing, payment, and cancellation

Pro subscriptions are billed monthly in advance at the price displayed on our pricing page at the time of purchase. Payments are processed by Stripe; by subscribing, you agree to Stripe’s terms as they relate to payment processing. We do not store your full payment card details.

Your subscription will automatically renew at the end of each billing period unless cancelled before the renewal date. You can cancel at any time through your account settings or the Stripe customer portal. Cancellation takes effect at the end of the current paid billing period — you retain Pro access until that date.

If we change Pro pricing, the new price will take effect at your next renewal. We will provide at least 14 days’ advance notice of any price increase, giving you the opportunity to cancel before it applies.

5. Refunds

Pro subscription fees are non-refundable. We do not provide prorated refunds for partial billing periods after cancellation; instead, your Pro access continues through the end of the period you paid for.

We may, at our sole discretion, issue a refund or credit in exceptional circumstances (for example, an extended Service outage on our side or a duplicate charge). To request such a review, contact us at gen7423@gmail.com.

6. No financial or professional advice

The Service provides educational content about investment banking and related topics. It does not constitute and should not be relied upon as financial, investment, legal, tax, career, or any other professional advice. We are not a registered investment adviser, broker-dealer, financial planner, legal advisor, or career counselor.

Any decisions you make — including job applications, interview preparation, investment choices, or career planning — based on content you encounter on the Service are made at your own risk and are your sole responsibility. You should consult appropriately qualified professionals before acting on any information you obtain through the Service.

7. Our content and intellectual property

All content made available through the Service — including practice questions, answers, explanations, bank profiles, written materials, designs, logos, software, and any other materials we create or curate (collectively, “Our Content”) — is owned by or licensed to us and is 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 Our Content solely for your personal, non-commercial interview-preparation purposes. You may not:

• Copy, reproduce, distribute, publicly display, or publish any portion of Our Content;
• Sell, resell, license, sublicense, or commercially exploit any portion of Our Content;
• Use Our Content to build, train, fine-tune, or improve any machine-learning model, dataset, or competing product;
• Remove, alter, or obscure any copyright, trademark, or proprietary notices contained in or on Our Content;
• Use the Service or Our Content in any manner that infringes our intellectual property rights or those of any third party.

8. Your content and feedback

If you submit reports, feedback, suggestions, or other communications about the Service (collectively, “Your Content”), you grant us a worldwide, non-exclusive, royalty-free, perpetual, irrevocable license to use, reproduce, modify, publish, and incorporate Your Content into the Service or our business without restriction or compensation to you. You represent and warrant that Your Content does not violate any law or third-party right.

9. Acceptable use

You agree not to, and not to attempt to:

• Scrape, crawl, harvest, or otherwise extract data from the Service using automated means without our prior written consent;
• Reverse engineer, decompile, or disassemble any portion of the Service;
• Interfere with, disrupt, overload, or attempt to gain unauthorized access to the Service, our systems, or other users’ accounts;
• Use the Service to send spam, malware, or any unsolicited or harmful communications;
• Impersonate any person or entity or misrepresent your affiliation with anyone;
• Harass, threaten, or otherwise abuse other users or our personnel;
• Use the Service in violation of any applicable law or regulation; or
• Use the Service in any way that could damage, disable, overburden, or impair the Service.

We reserve the right to investigate and take appropriate action — including warning, suspending, or terminating your account, and reporting to authorities — against anyone violating this section.

10. Third-party services

The Service relies on third-party providers, including Stripe for payment processing, Supabase for authentication and database storage, and Vercel for hosting. Your use of those services may be subject to their own terms and privacy policies, and we are not responsible for their actions, practices, or content.

11. Termination

By you. You may stop using the Service at any time. To delete your account, contact us at gen7423@gmail.com or use any in-product deletion mechanism we provide. Upon account deletion, we will delete your profile and associated activity (such as question attempts and reports) within a reasonable period, except where retention is required by law (for example, we may retain transaction records as required for tax and accounting purposes, typically for up to seven years).

By us. We may suspend or terminate your access to the Service, with or without notice, if we reasonably believe you have violated these Terms, if required by law, or to protect the Service or our users. If we terminate your paid subscription without cause, we will refund the prorated unused portion of any prepaid fees.

Sections that by their nature should survive termination — including intellectual property, disclaimers, limitation of liability, indemnification, and dispute resolution — will survive.

12. Service availability and changes

We do not guarantee that the Service will be available without interruption or that it will be error-free. We may modify, suspend, or discontinue all or part of the Service at any time, with or without notice. We may also add, remove, or change content (including individual questions or bank profiles) as we improve the Service.

13. Disclaimers

THE SERVICE AND ALL CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE.

We do not warrant that the Service will meet your requirements, that it will be uninterrupted, timely, secure, or error-free, or that any content (including practice questions and explanations) is accurate, complete, current, or reliable. You use the Service at your own risk.

14. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL WE OR OUR AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF, OR INABILITY TO USE, THE SERVICE.

OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE IS LIMITED TO THE AMOUNTS YOU ACTUALLY PAID US FOR THE SERVICE IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. NOTHING IN THESE TERMS EXCLUDES OR LIMITS LIABILITY FOR GROSS NEGLIGENCE, WILLFUL MISCONDUCT, FRAUD, OR ANY LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

15. Indemnification

You agree to indemnify, defend, and hold harmless Curren Malhotraand our affiliates, officers, employees, agents, and licensors from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or in any way connected with (a) your access to or use of the Service; (b) your violation of these Terms; (c) Your Content; or (d) your violation of any third-party right, including any intellectual property or privacy right.

16. Dispute resolution and arbitration

Please read this section carefully. It requires you to resolve disputes with us through binding arbitration and waives your right to a jury trial or to participate in a class action.

16.1 Informal resolution

Before filing any formal claim, you agree to first contact us at gen7423@gmail.com and attempt to resolve the dispute informally. We will work in good faith to resolve the issue within sixty (60) days of receiving your notice. If we cannot resolve the dispute within that period, either party may proceed under Section 16.2.

16.2 Binding arbitration

Any dispute, claim, or controversy arising out of or related to these Terms or the Service that is not resolved informally will be resolved exclusively by binding arbitration administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules. The arbitration will take place in Los Angeles County, California, before a single arbitrator. Judgment on the award may be entered in any court of competent jurisdiction.

If the AAA arbitration fees are deemed excessive in your individual circumstances, we will pay the portion of those fees that the arbitrator determines is necessary to ensure your access to arbitration is not financially prohibitive.

16.3 Small claims exception

Notwithstanding the above, either party may bring an individual action in small claims court for disputes within that court’s jurisdiction, in lieu of arbitration.

16.4 Class action waiver

YOU AND WE EACH AGREE THAT ANY DISPUTE RESOLUTION PROCEEDING WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. The arbitrator may not consolidate more than one person’s claims and may not preside over any form of representative or class proceeding.

16.5 Time limit

Any claim or cause of action arising out of or related to the Service or these Terms must be filed within one (1) year after the claim or cause of action arose; otherwise, it is permanently barred.

17. Governing law

These Terms are governed by the laws of the State of California, without regard to its conflict of laws principles. If any dispute proceeds in court rather than arbitration (for example, small claims), the exclusive venue will be the state and federal courts located in Los Angeles County, California, and both parties consent to personal jurisdiction in those courts.

18. Changes to these Terms

We may update these Terms from time to time. The updated version will be indicated by an updated “Last updated” date at the top of this page. If we make material changes, we will provide reasonable notice — for example, by email or by an in-product notice — before they take effect. Your continued use of the Service after the changes become effective constitutes your acceptance of the updated Terms.

19. Contact

Questions about these Terms? Contact us at gen7423@gmail.com.