Terms of Service
These Terms of Service (“Terms”) are a binding agreement between you and EonDigi Inc., the sole operator of CFA Drill at https://cfa-drill.com. By creating an account, accessing the Service, or completing a purchase, you agree to these Terms. If you do not agree, do not use the Service.
1. Nature of the Service; no CFA Institute affiliation
CFA Drill is an independent personal study and practice tool. It is not affiliated with, endorsed by, sponsored by, or connected to CFA Institute or any CFA® examination program.
CFA® and Chartered Financial Analyst® are trademarks owned by CFA Institute. Use of those marks on this site is for descriptive purposes only.
The Service does not guarantee exam passage, score improvement, career outcomes, or any particular learning result.
2. Educational use only; no professional advice
All content (questions, explanations, formulas, AI prompts, and related materials) is provided solely for personal educational and self-study purposes.
Nothing on the Service constitutes investment, legal, tax, accounting, or other professional advice. You are solely responsible for how you use any information obtained from the Service.
3. Accounts and eligibility
You must provide accurate registration information and keep your credentials confidential. You are responsible for all activity under your account.
You must be able to form a binding contract in your jurisdiction. If you use the Service on behalf of an organization, you represent that you have authority to bind that organization.
4. Freemium access and Pro features
Free tier: each verified account may access a limited sample of practice items drawn from the **current bank edition** then offered on the Service (currently up to ten questions per CFA® Level I subject, subject to change) and may see advertising. Free access is for evaluation only. Free accounts are not stamped with a purchased edition; when Operator publishes a newer bank edition, the free sample follows the then-current edition (Operator may change which items appear in the sample).
Pro (paid): when you purchase the Level I Pro plan via our Stripe checkout, you receive a personal license for one natural person to use the Level I practice bank corresponding to the **same bank edition identifier** stamped on your account at purchase (see below)—not a separate “Pro-only version number.” Progress sync and ad-free study UI apply while Pro is active. Pro does not guarantee exam passage, score improvement, or career outcomes. Higher exam levels (II/III), if offered later, are separate products unless a bundle is explicitly sold at checkout.
Bank edition (one ID for Free and Pro): the Service publishes Level I content under a structured bank edition label (for example “CFA-L1-2026.1-20260729.070000”: product, Level I, curriculum wave, and UTC build timestamp). The curriculum cohort (e.g. “CFA-L1-2026.1”) controls what practice items your Pro seat unlocks; the build timestamp identifies the content snapshot. Free users sample the current cohort; Pro checkout records the edition then current on your profile as `proBankEdition`. Your Pro seat unlocks practice items introduced in that cohort or earlier. Typographical or defect corrections within the same cohort may still appear. New practice items introduced under a later cohort are not included in a prior Pro purchase. Purchasing again while a newer cohort is current stamps the newer edition (subject to then-current checkout terms).
License term: unless a shorter term is stated at checkout, your Pro seat for the purchased bank edition continues while (a) Operator continues to offer access to that edition’s content, and (b) your account remains in good standing (not suspended or terminated for breach). Marketing may describe this as continuing access for that edition (including in-edition errata)—not unlimited rights to every future exam-year or content wave.
Not included / new purchase may be required: CFA® Level II or III products; later Level I bank editions; separately marketed successor apps; or a new curriculum-generation / major product SKU that Operator designates at checkout as a separate paid offering. Marketing shorthand such as “one-time” describes payment structure for the stamped edition, not an unlimited right to every future EonDigi product or content wave.
Pro is single-seat and non-transferable. Sharing login credentials, lending the account after you finish studying, reselling access, or allowing multiple people to use one Pro seat is a material breach and may result in immediate suspension or termination without refund. Operator may investigate signals consistent with sharing (including concurrent sessions from distant locations or other anomalous access patterns) and may require re-authentication or suspend the account.
We may modify free-tier limits, feature sets, pricing, and availability prospectively. Attempting to bypass paywalls, scrape locked content, or otherwise circumvent access controls is a material breach.
5. Intellectual property
The Service—including original questions, explanations, UI, branding, software, and documentation—is owned by EonDigi Inc., a United States corporation (“Operator”, “we”, “us”, or “our”) or its licensors and is protected by applicable intellectual property laws.
You receive a limited, personal, non-exclusive, non-transferable, revocable license to use the Service for your own study only. You may not copy, download, scrape, screenshot, screen-record, photograph, redistribute, republish, resell, share account access, reverse engineer (except to the limited extent permitted by law), or create derivative works from the Service or its content without prior written consent from Operator.
Circumventing technical protections, or capturing, reproducing, or distributing content by any means without authorization, does not create a license and remains a material breach of these Terms. Such conduct may result in immediate suspension, termination, and pursuit of available legal remedies under these Terms and applicable law.
Automated harvesting, bulk export, mirroring, or training of competing models (including AI systems) on our proprietary bank is prohibited.
6. Acceptable use
You agree not to: (a) abuse, overload, or disrupt the Service or its infrastructure; (b) probe or bypass security, paywalls, or content protections; (c) upload malware or unlawful content; (d) impersonate others; (e) use the Service to violate any law or third-party rights; (f) copy or exfiltrate question stems, choices, answers, or explanations except as necessary for personal on-screen study in the official UI; (g) harass Operator staff or other users, or attempt social engineering or fraud via support or other channels.
We may investigate suspected violations, preserve evidence, cooperate with law enforcement, and report unlawful or abusive conduct to relevant authorities. We may suspend or permanently terminate accounts for abuse without prior notice.
7. Suspension and termination
We may immediately refuse service, suspend, or permanently terminate accounts that violate these Terms, abuse the Service or support channels, attempt to defeat Pro or other access controls, or create legal or security risk—without prior notice where we deem it appropriate.
Upon termination for cause, fees already paid are non-refundable except where required by mandatory law. We may pursue available legal remedies. Sections that by nature should survive (IP, disclaimers, liability limits, indemnity) survive termination.
8. Third-party services
The Service relies on third parties such as Google Firebase (auth, database, hosting), Google AdSense (advertising on free tier), Stripe (payments), and optionally AI providers you choose when using exported prompts. Their terms and privacy policies also apply to their processing.
9. Disclaimers
THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, TO THE MAXIMUM EXTENT PERMITTED BY LAW.
We do not warrant uninterrupted or error-free operation, or that content is complete, current, or free of defects.
10. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, OPERATOR SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOSS OF PROFITS, DATA, GOODWILL, OR BUSINESS INTERRUPTION, ARISING FROM YOUR USE OF THE SERVICE.
OUR AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID TO US FOR THE SERVICE IN THE THREE (3) MONTHS BEFORE THE CLAIM, OR (B) USD $50.
Some jurisdictions do not allow certain limitations; in those cases, our liability is limited to the fullest extent permitted.
11. Indemnity
You will indemnify and hold harmless Operator and its officers, directors, and agents from claims, damages, and expenses (including reasonable legal fees) arising from your misuse of the Service or breach of these Terms.
12. Governing law
These Terms are governed by the laws of the State of Delaware and the federal laws of the United States applicable therein, without regard to conflict-of-law rules, unless mandatory consumer protections in your place of residence require otherwise.
Courts located in the State of Delaware shall have exclusive jurisdiction, except that we may seek injunctive relief in any forum to protect intellectual property or security.
13. Changes
We may update these Terms by posting a revised version on the Service with an updated effective date. Continued use after the effective date constitutes acceptance of the revised Terms.
14. Contact
Product support for CFA Drill (bugs, account access, Pro questions): support@cfa-drill.com.
Legal and Terms inquiries for EonDigi Inc.: support@cfa-drill.com.
Please include “CFA Drill” and your account email in the message so we can route the request.