Terms of Service

Last updated: October 2026

These Terms of Service (“Terms”) govern your access to and use of Capital Prep — our websites, study platform, mobile experiences, content, and related services (together, the “Service”), operated by Authority Group LLC (“Capital Prep,” “we,” “us”). By creating an account, purchasing a pass, or using the Service, you agree to these Terms. If you don’t agree, don’t use the Service.

1. Eligibility

You must be at least 18, or the age of majority where you live, to buy a pass and create an account. If you are between 13 and the age of majority, you may use the Service only with the involvement of a parent or guardian who agrees to these Terms. The Service is not directed to children under 13, and we do not knowingly collect their information.

2. Your account

You’re responsible for the activity on your account and for keeping your sign-in secure. Provide accurate information and tell us promptly of any unauthorized use. One account is for one person: access is personal and non-transferable, and may not be shared, sold, or used by multiple people. We may reclaim inactive accounts after an extended period.

3. What Capital Prep is

Capital Prep is a study platform that helps you prepare for certification and licensing exams. Depending on your exam and plan, it may include practice questions with explanations, spaced-repetition flashcards, study guides, audio, mnemonics, mock exams, a readiness score, and an AI study tutor. We add, improve, and occasionally retire features over time.

4. Free trials

We may, at our discretion, make a free trial available to some accounts. Where a trial exists, it gives limited access for a limited time, may change or end at any time, requires no payment to start, and does not automatically convert into a paid purchase. The passes described in section 5 do not depend on a trial.

5. Passes, pricing & payment

Access is sold as one-time passes per exam (for example, a Starter, Standard, or SurePass pass) — not a recurring subscription. You pay once for the access length you choose; there is nothing to cancel and no automatic renewal. SurePass runs 365 days from purchase (a free upgrade to it, from the moment you upgrade); in a bundle, each exam's year starts when you begin that exam, any time within 24 months of purchase. Lifetime passes bought before these passes went on sale keep their open-ended access. Prices are shown at checkout, are in U.S. dollars, and may change over time (changes never affect a pass you’ve already bought). Payments are processed by our payment provider, Stripe; we don’t store your full card details. You’re responsible for any applicable taxes.

6. Refunds & the SurePass Guarantee

Your purchase is protected two ways. First, a money-back window — 24 hours on the Starter, 48 hours on the Standard, and 72 hours on the SurePass — measured from your purchase (or from your upgrade, if you upgraded), no questions asked, as long as you haven't sat your exam yet. Inside the window, refund yourself from your account page (Your exams → Refund this pass); if that button isn't there for your purchase (an upgrade, or one exam out of a bundle, for example), email hello@capitalprep.com and we refund it inside the window — no questions asked; either way the full amount goes back to your original payment method and your bank shows it within 5–10 business days. The window closes the moment you sit your exam — a refund after you've sat it is the SurePass Guarantee's job, not this one. If you're in the EEA or the UK, you have 14 days from purchase to change your mind under your local law — that applies whatever the window above says. Just email us.

Second, the pass guarantee: score your exam's qualifying score (shown on its Guarantee page) on a full-length mock exam, sit the official exam within the next 14 days, and if you don’t pass we refund your pass in full on Standard (the Money-Back Guarantee) and SurePass (the SurePass Guarantee) — and add free access to keep preparing: 90 more days on Standard, another year (365 days) on SurePass. Starter carries no refund — if you don't pass, upload your official score report within 30 days of your exam date and we add 30 more days of access, once per exam. Every free period is counted from the earliest date your exam allows a retake (the first-fail wait its authority sets, stated per exam on the policy page), or from the end of your current access if that is later. On SurePass we also reimburse your official retake fee in full (one funded retake per exam, paid out of your own pocket) — that carries a higher bar: two qualifying mocks in that window and your SurePass readiness meter at “Getting close” or above. Qualifying mocks are limited: you get 4 scored mock sittings per exam (only a completed, scored sitting uses one; practice questions and timed practice stay unlimited and never use one) — where an exam’s question pool doesn’t yet support 4 full sittings, its mock sittings remain unlimited, as stated in that exam’s own section of the policy. File within 30 days of your exam date, and within 12 months of your purchase. The full, controlling terms are on our Refund & Guarantee Policy page.

Purchases made before the Starter / Standard / SurePass passes went on sale (sold as the 7-Day Pass, the 30-Day Pass and Lifetime) keep the terms they were sold under: every such pass refunds in full on an approved claim, the 7-Day and 30-Day passes also grant Lifetime access free, and Lifetime (SurePass Guarantee Pro) also reimburses the retake fee. The terms version is recorded on the purchase. An upgrade is a new purchase and carries the terms on sale on the day you upgrade.

7. Our content & your license

All Service content — questions, explanations, guides, flashcards, audio, software, and design — is owned by us or our licensors and protected by intellectual-property laws. We grant you a personal, limited, non-exclusive, non-transferable license to use it for your own exam preparation while your access is active. You may not copy, distribute, resell, publish, scrape, or create derivative works from it, or use it to build a competing product.

8. The AI tutor

Our AI tutor is designed to answer using your study material and to cite its sources. Like all AI, it can still be incomplete or wrong; it is a study aid, not professional, legal, medical, or financial advice, and it is not a substitute for the official exam materials. Always verify important facts against authoritative sources.

9. Acceptable use

You agree not to:

  • share, sell, or transfer your account or access;
  • copy, scrape, redistribute, or resell our content;
  • reverse-engineer, probe, or disrupt the Service or its security;
  • use the Service to cheat on, or to compromise the integrity of, any real exam;
  • upload unlawful, infringing, or harmful content; or
  • misuse the AI tutor or automated tools to abuse rate limits or extract content in bulk.

10. Content you submit

When you submit content — such as error reports, notes, or messages — you grant us a worldwide, royalty-free license to use it to operate, support, and improve the Service. You confirm you have the right to share it and that it isn’t unlawful or infringing.

11. No guarantee of a passing score

Except for the specific commitments in our Pass Guarantee, we do not guarantee that you will pass any exam or achieve any particular score. Results depend on your own effort, preparation, and performance on exam day.

12. Third-party services

The Service relies on third parties (for example, payment, hosting, analytics, and email providers) and may link to third-party sites. We’re not responsible for third-party services or content, and your use of them is governed by their terms.

13. Termination

You may stop using the Service at any time. We may suspend or terminate access if you violate these Terms, misuse the Service, or engage in fraud or abuse. If we terminate your access for a serious violation, you may not be entitled to a refund. Sections that by their nature should survive (ownership, disclaimers, liability limits, dispute resolution) survive termination.

14. Disclaimers

The Service is provided “as is” and “as available,” without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We don’t warrant that the Service will be uninterrupted, error-free, or that content is complete or current.

15. Limitation of liability

To the fullest extent permitted by law, Authority Group LLC will not be liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits or data. Our total liability for any claim relating to the Service is limited to the amount you paid us for the pass giving rise to the claim in the 12 months before the claim. Some jurisdictions don’t allow certain limits, so parts of this may not apply to you.

16. Indemnification

You agree to indemnify and hold harmless Authority Group LLC from claims and expenses arising out of your misuse of the Service or violation of these Terms.

17. Dispute resolution & arbitration

Please contact us first — we want to resolve issues directly. If we can’t, you and we agree that disputes will be resolved by binding individual arbitration, not in court, and that you and we waive any right to a jury trial or to participate in a class action. You may opt out of arbitration by emailing us within 30 days of first accepting these Terms. This does not prevent either party from seeking relief in small-claims court.

18. Governing law

These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-laws rules, and the exclusive venue for any matter not subject to arbitration is the state and federal courts located in Travis County, Texas.

19. Copyright (DMCA)

If you believe content on the Service infringes your copyright, email us at hello@capitalprep.com with the details required by the DMCA (identification of the work, the material, your contact information, and a good-faith statement), and we’ll respond appropriately.

20. Changes & contact

We may update these Terms; we’ll post the new version with a new date and, for material changes, provide reasonable notice. Continued use after changes take effect means you accept them. Questions? Contact Authority Group LLC, 1401 Lavaca Street, Unit #7073, Austin, TX 78701, or hello@capitalprep.com.

This is a plain-language summary of our policies. It is provided for transparency and does not constitute legal advice.