Terms of Service

Effective November 1, 2026

Study Naturally exists to help people learn. Our AI tutor is built to help you think things through, not to do your thinking for you. These terms are the agreement between you and Arcaro Labs LLC ("we" or "us") for using our websites, apps and services (the "Service"). By creating an account or using the Service, you agree to them. If you don't agree, please don't use the Service.

Section 15 contains an arbitration agreement and class action waiver that affect your legal rights. Please read it.

1. What the Service is

The Service is an educational tool. It includes an AI tutor that teaches through questions, quizzes, diagrams and voice; a scratchpad for sharing handwritten work; progress features such as streaks and leaderboards; and tools for teachers and schools to create teaching material.

The Service is a study aid. It does not replace a teacher, school, tutor or professional, and it does not award credentials.

2. Who can use it

You must be at least 13 years old to create your own account. A child under 13 may use the Service only on a learner account made by their parent or guardian, or by a school authorized to do so, and that adult agrees to these terms for the child and is responsible for their use. If you are under 18, or under the age of majority where you live, you may only use the Service with the permission of a parent or guardian, who agrees to these terms on your behalf and is responsible for your use.

If you use the Service on behalf of a school or other organization, you confirm that you are authorized to accept these terms for it.

3. Your account

Keep your sign-in details secure and tell us if you think someone else has used your account. You are responsible for what happens under your account unless it results from our own failure. The information you give us must be accurate.

4. AI can be wrong

The tutor and the material it produces are generated by artificial intelligence and can be inaccurate, incomplete or out of date. That includes its grading of your answers, how it reads your handwriting, its mastery estimates, and any citations it provides. Our checks reduce errors but do not eliminate them.

Please think critically and check anything important against a reliable source. The Service does not provide medical, mental health, legal, financial or other professional advice, even if you study those subjects, and you should not rely on it for decisions in those areas. If you are in crisis or in danger, contact local emergency services.

We don't promise any particular result from using the Service, including grades, test scores, admissions or employment.

5. Using the Service honestly

The tutor is designed to help you understand, not to produce work for you to hand in. You are responsible for following your school's or institution's rules on AI and academic honesty.

You agree not to:

• break the law, or use the Service to harm, harass, threaten or exploit anyone, especially children
• upload content you have no right to share, or anyone else's private information without permission
• try to generate dangerous, sexual, hateful or otherwise harmful content, or to get around the Service's safeguards
• use a nickname or other content that is offensive, impersonates someone, or shares contact details
• break, probe or overload the Service, or get around its limits or security
• scrape the Service, or use it or its output to build or train a competing product or AI model
• resell the Service or give others access to your account, unless we have agreed to it in writing

6. Your content

"Your content" means what you put into the Service: your messages, answers, drawings, uploads and notes. You own your content. You give us a limited, worldwide, non-exclusive license to host, copy, process and display it only as needed to run the Service for you, including sending it to the service providers described in our Privacy Policy. This license ends when your content is deleted, except for copies we must keep by law or for security, as our Privacy Policy explains.

We don't sell your personal information, and we don't use your content to train AI models. See our Privacy Policy for details.

You confirm that you have the rights you need to give us this license.

As between you and us, you may use what the tutor generates for you for your own learning, and teachers may use approved material with their students, subject to these terms. Because of how AI works, similar output may be generated for others, and we can't promise that output is unique or free of third-party rights.

7. Teaching material and the partner program

If you create material in the Materials Studio, you are responsible for reviewing it and deciding whether it is accurate and suitable before you approve or share it. A validation report is an aid to your judgment, not a guarantee. You are also responsible for having the right to use any source notes you provide.

Schools and organizations are responsible for how they use the Service with their students, including obtaining any consents and meeting any legal obligations that apply to them. Partner program participation is at our discretion and may be subject to additional written terms, which control if they conflict with these.

8. Leaderboards and nicknames

Leaderboards are optional, and you're off them unless you join. If you join the global leaderboard, your nickname, your numbers and the broad categories you study are public: anyone on the internet can see them, with or without an account, and others may copy them. Leaving removes you from our leaderboards, but we can't recall copies others have made.

We review nicknames, and people can report them. We may refuse, hide or remove any nickname, adjust or remove scores we believe were not earned fairly, and change how points and leaderboards work. Points, streaks and ranks have no monetary value and give you no property rights.

9. Payments

The Service starts with a free trial that needs no card. When it ends, using the Service requires a paid plan, and some features require a higher one. Prices and what's included are shown when you buy. Payments are handled by our payment processor. Subscriptions renew automatically until cancelled, and you can cancel at any time, effective at the end of the current billing period. Except where the law requires otherwise, fees are non-refundable. We may change prices on notice before your next renewal. You are responsible for applicable taxes.

10. Our rights

We and our licensors own the Service, including its software, design, branding and teaching methods. We give you a limited, personal, revocable, non-transferable license to use it under these terms. If you send us feedback, we may use it without any obligation to you.

11. Other services

The Service relies on and may link to services run by others, such as sign-in providers, payment processors and your browser's speech features. We aren't responsible for those services or their terms.

12. Changes, suspension and ending

We may change, add or remove features as the Service evolves. We may suspend or end your access, or remove content, if we reasonably believe you've broken these terms, to protect people or the Service, or if the law requires it. You may stop using the Service and delete your account at any time. Sections that by their nature should continue, including 4, 6, 10, 13, 14, 15 and 16, survive after your use ends.

13. Disclaimers

TO THE FULLEST EXTENT THE LAW ALLOWS, THE SERVICE AND ALL OUTPUT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT AND ACCURACY. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE OR ERROR-FREE, OR THAT ANY OUTPUT WILL BE CORRECT OR RELIABLE.

14. Limits on liability, and indemnity

TO THE FULLEST EXTENT THE LAW ALLOWS, WE AND OUR AFFILIATES, OFFICERS, EMPLOYEES AND SUPPLIERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, DATA, GOODWILL, GRADES OR OPPORTUNITIES, ARISING FROM OR RELATED TO THE SERVICE OR THESE TERMS, EVEN IF WE WERE TOLD THEY WERE POSSIBLE.

OUR TOTAL LIABILITY FOR ALL CLAIMS RELATED TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US FOR THE SERVICE IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM AND (B) US $100.

These limits apply whatever the legal theory and even if a remedy fails of its essential purpose. Some places don't allow certain exclusions or limits, so some of these may not apply to you, and nothing in these terms limits liability that cannot be limited by law.

To the extent the law allows, you will defend and indemnify us against third-party claims and resulting costs, including reasonable legal fees, arising from your content, your misuse of the Service, or your breach of these terms. If you are a school or government body that the law prevents from giving an indemnity, this paragraph applies only as far as the law permits.

15. Resolving disputes

Talk to us first. Most concerns can be solved informally. Before starting a claim, email hello@studynaturally.com describing the issue, and give us 60 days to try to resolve it.

Binding arbitration. If we can't resolve it, you and we agree that any dispute related to the Service or these terms will be decided by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, instead of in court, and you and we each give up the right to a jury trial. Either of us may instead bring an individual claim in small claims court, or ask a court for an injunction to protect intellectual property.

No class actions. Disputes will be resolved only on an individual basis. Neither you nor we may bring or take part in a class, collective or representative action. If this waiver is found unenforceable for a claim, that claim will go to court and not to arbitration.

You can opt out. You may opt out of this section by emailing hello@studynaturally.com within 30 days of first accepting these terms, with your name and account email. Opting out won't affect anything else in our relationship.

This section does not apply where the law where you live prohibits it, and it does not take away any mandatory consumer rights you have.

16. Governing law

These terms are governed by the laws of [STATE/COUNTRY], without regard to conflict-of-law rules, except where the law where you live requires otherwise. Subject to section 15, disputes will be heard in the courts located in [COUNTY, STATE/COUNTRY], and you and we consent to their jurisdiction.

17. Changes to these terms

We may update these terms. If a change is material, we'll give reasonable notice, such as by email or in the Service, before it takes effect. If you keep using the Service after that, you accept the new terms. If you don't agree, you may stop using the Service and delete your account.

18. General

These terms, together with our Privacy Policy and any written agreement you have with us, are the whole agreement between us about the Service. If part of them can't be enforced, the rest still applies. If we don't enforce something, that isn't a waiver. You may not transfer these terms without our consent; we may transfer them as part of a merger, sale or reorganization. We aren't liable for delays caused by events beyond our reasonable control.

19. Contact

Arcaro Labs LLC, 295 Saint Nicholas Avenue, Hillsdale, NJ 07642. Email: hello@studynaturally.com.