Terms of Service

Effective date: August 21, 2026

These Terms are a contract between you and C&K Digital Holdings, LLC, a limited liability company organized under the laws of Georgia, USA ("Skillthropic," "we," "us"). They govern your use of skillthropic.com, our study guides, PDFs, practice questions, quizzes, and emails (together, the "Service").

Please read Section 4 (License), Section 6 (Subscriptions and Auto-Renewal), Section 9 (No Guarantee of Exam Outcome), and Section 13 (Dispute Resolution) carefully. They affect your rights.

1. Acceptance

By buying a guide, subscribing, taking the free quiz, subscribing to our newsletter, or otherwise using the Service, you agree to these Terms and to our Privacy Policy and Refund Policy, which are incorporated by reference.

If you do not agree, do not use the Service.

2. Eligibility

You must be at least 18 years old, or the age of majority where you live, to purchase. If you are between 13 and 17, you may use free materials only with the involvement of a parent or guardian who agrees to these Terms on your behalf. The Service is not intended for anyone under 13.

If you are buying on behalf of a company, you represent that you are authorized to bind that company, and "you" means both you and that company.

3. Access and your account

• No account is required to buy. Checkout is handled by Stripe and requires only an email address and payment.
• Access is provisioned automatically from the email address you enter at checkout. Use an address you control and will keep. If you mistype it, email contact@skillthropic.com and we'll fix it.
• You are responsible for keeping your access link and credentials confidential. Access is for one person. You. Sharing your access link or credentials is a breach of these Terms (see Section 4).
• We may suspend or revoke access if we detect credential sharing, mass downloading, automated scraping, or other patterns consistent with abuse.

4. What you get: the license

This is the most important section for a digital product, so we've written it plainly.

4.1 License grant

When you purchase a guide or hold an active subscription, we grant you a personal, non-exclusive, non-transferable, non-sublicensable, revocable license to access, view, download, and use that content for your own individual study.

That's it. You are buying a license to use the material yourself. You are not buying the content itself, and you are not buying any right to distribute it.

4.2 What you may do

• Read and use the interactive guides on your own devices.
• Download the PDFs and read them on your own devices.
• Print a copy for your own personal study use.
• Answer the practice questions as many times as you like.
• Quote short excerpts with attribution to Skillthropic, as permitted by fair use.

4.3 What you may not do

You may not, and may not permit anyone else to:

• Redistribute the guides, PDFs, or practice questions in any form: by email, messaging app, cloud-drive link, AirDrop, USB drive, printed copies, or any other means.
• Resell, rent, lease, license, or sublicense the materials, in whole or in part, for any price including free.
• Share your PDFs or access credentials with colleagues, classmates, study-group members, friends, or family. One purchase = one person.
• Upload the materials to any file-sharing, document-hosting, or "study help" site, including Chegg, Course Hero, Studocu, Scribd, Quizlet, Docsity, Reddit, Discord servers, Telegram channels, GitHub repositories, torrent trackers, and any similar platform, public or private.
• Use the materials to deliver commercial training. You may not use our guides as course materials for bootcamps, corporate training, tutoring services, classroom instruction, or any paid or unpaid instruction to third parties. If you want to train a team, contact contact@skillthropic.com about team licensing. We're happy to sell you one.
• Use the materials to create a competing product, including rewriting, paraphrasing, or restructuring our content into another study guide, question bank, course, or video series.
• Use the materials as training data for any machine-learning or AI model, or submit them in bulk to any AI system for reproduction, summarization at scale, or derivative generation.
• Remove, obscure, or alter any copyright notice, watermark, attribution, or personalization embedded in the files.
• Circumvent access controls, scrape the site, use bots or automated downloaders, or access content you have not paid for.

4.4 Watermarking

PDFs may be personalized with the purchaser's email address or a unique identifier. This is not there to inconvenience you. It's there so that if a file appears on a file-sharing site, we can identify the source. Attempting to remove a watermark is a breach of these Terms.

4.5 Consequences of breach

If you breach this license, we may revoke your access immediately and without refund, and pursue any remedy available to us including claims for copyright infringement. Statutory damages for willful copyright infringement in the US can reach $150,000 per work. We would much rather sell you a second license than sue you, but redistribution is the one thing that genuinely damages a business like ours, and we take it seriously.

5. One-time purchases

5.1 What you're buying

Current prices for each product are shown on the pricing section of our homepage and again on the product page and at checkout before you pay. All prices are in US dollars. Applicable sales tax or VAT is calculated and displayed at checkout. The price you pay is the price displayed at the moment you complete your purchase; later price changes never apply retroactively to a purchase you have already made.

5.2 Perpetual access and lifetime updates

A one-time purchase gives you perpetual access to the guide(s) you bought, including lifetime updates to those guides: when we revise content, correct errors, or update for a new revision of the same exam objectives, you get the updated version at no extra cost, for as long as we offer that guide.

"Lifetime" means the commercial lifetime of the product. If we permanently retire a guide (for example, because CompTIA sunsets the exam version), we will give you at least 60 days' notice by email and make final PDF copies available for download before access ends. Your existing downloaded PDFs remain yours to use under the license in Section 4.

5.3 New exam versions are free

If CompTIA releases a new version of an exam you have purchased guides for, you will receive the updated guides for that exam free of charge. You never pay twice for the same certification. This applies to one-time purchases permanently, and covers the current published version and its direct successor.

To be concrete: if you buy Security+ SY0-701 guides and CompTIA releases SY0-801, the SY0-801 guides land in your account at no cost when we publish them.

5.4 Products in development

CySA+ and CISSP guides are currently in production. Nothing on our site about upcoming products is a commitment to a release date, price, or feature set until the product is actually on sale.

6. Subscriptions and automatic renewal

⚠️ Please read this section before subscribing

The All-Access subscription renews automatically until you cancel. Here are the terms in full.

6.1 The plans

Plus applicable sales tax or VAT, calculated at checkout and shown before you pay.

6.2 How auto-renewal works: in plain terms

• When you subscribe, you are authorizing us to charge your payment method automatically at the price and frequency above.
• Your subscription continues and renews automatically until you cancel it. There is no fixed end date and no expiry.
• We charge the card on file at the start of each billing period. If the price ever changes, we will email you at least 30 days before the new price applies, and you can cancel before then. Price changes never apply retroactively to a period you have already paid for.
• Annual subscribers: we will email you a renewal reminder between 15 and 45 days before each annual renewal date, telling you the renewal date, the amount, and how to cancel. (Required for long-term auto-renewals in California and several other states; we do it for everyone.)
• If a charge fails, we will retry and email you. If payment cannot be collected, access is suspended and the subscription may be canceled.

6.3 What a subscription gives you

While your subscription is active, you have access to every guide in the Skillthropic library, including new guides released during your subscription.

Subscription access is access, not ownership. When your subscription ends, your access to the library ends. Guides you separately purchased outright are unaffected and remain yours.

PDFs you downloaded while subscribed remain subject to the license in Section 4 and may only be used for your own individual study.

6.4 How to cancel. It's one click

You can cancel your subscription at any time, yourself, without emailing anyone or talking to anyone.

1. Log in and open Account → Subscription.
2. Click Cancel subscription.
3. Confirm. You'll get a confirmation email immediately.

That's the whole process. We do not require a phone call, a chat session, a retention offer, a reason, or a form. If the self-serve cancellation is ever unavailable for any reason, email contact@skillthropic.com with "Cancel" in the subject line and we will cancel it and confirm by email within one business day, effective as of the date of your email.

6.5 When cancellation takes effect

• Cancellation takes effect at the end of your current billing period. You keep full access for the time you've already paid for.
• No further charges are made after you cancel.
• We do not prorate or refund partial billing periods, except under the 30-day guarantee described immediately below.

6.6 Refunds on subscriptions

Our 30-day money-back guarantee applies to your first subscription charge. If All-Access isn't right for you, ask within 30 days of that first charge and we'll refund it in full.

Beyond that 30-day window, subscription charges are not refundable. Renewal charges are not refundable, and we do not refund unused portions of a billing period. Cancel before your renewal date to avoid the next charge. See the Refund Policy for full details.

6.7 Your acknowledgment

By subscribing, you acknowledge that you have read and agree to these auto-renewal terms: the amount, the frequency, that it renews automatically until canceled, how to cancel, and the refund terms. We will also send you these terms in your confirmation email, in a form you can keep.

These terms are intended to comply with the Restore Online Shoppers' Confidence Act (ROSCA), the FTC's negative-option enforcement standards, California's Automatic Renewal Law (Cal. Bus. & Prof. Code §§ 17600–17606), and comparable automatic-renewal statutes in New York, Illinois, Oregon, Colorado, Virginia, Vermont, North Dakota, Utah, and other states. Where your state's law gives you greater rights than these Terms, your state's law controls.

7. Payment

• Payments are processed by Stripe, Inc. By purchasing, you also agree to Stripe's terms.
• We never receive or store your full card number, CVC, or expiry date. See the Privacy Policy.
• You must use a payment method you are authorized to use, and you agree the information you provide is accurate.
• You are responsible for any taxes not collected at checkout, and for any bank, currency-conversion, or foreign-transaction fees your card issuer charges.
• Chargebacks: if you have a problem, ask us for a refund first. We grant them freely within 30 days. Filing a chargeback without contacting us costs us a fee and may result in permanent revocation of access.

8. Refunds

All purchases are covered by our 30-day money-back guarantee. The full terms are in our Refund Policy, which forms part of these Terms.

9. No guarantee of exam outcome

This is important, and we want to be completely unambiguous about it.

Skillthropic does not guarantee that you will pass any certification exam. We make no promise, warranty, or representation (express or implied) about any exam result, score, pass rate, certification, job outcome, salary, or career advancement.

Specifically:

• Our guides are supplementary study materials. They are designed to be used alongside hands-on practice, official exam objectives, and other preparation. They are not a complete substitute for study, experience, or official CompTIA materials.
• Certification outcomes depend on you. Your background, your experience, how much you study, your test-taking on the day, and factors entirely outside our control.
• We are not affiliated with CompTIA, ISC2, or any certification body. We do not administer exams, we do not set exam content, and we have no influence over scoring, exam blueprints, or results. Exam objectives change and exam questions are confidential; our content reflects our good-faith interpretation of published objectives.
• We do not offer a pass guarantee, a pass-or-refund guarantee, a "pass or your money back" program, or any outcome-based refund. Any older marketing material suggesting otherwise is withdrawn and superseded by these Terms. The only refund we offer is the 30-day money-back guarantee, which is unconditional and does not depend on your exam result.
• We do not provide "exam dumps," live exam questions, or leaked content, and we will not, ever. Practice questions are original material written to published exam objectives. Using real exam content violates the CompTIA Candidate Agreement and can get your certification revoked.

If a statement anywhere on our site, in an email, or in an advertisement appears to promise an exam outcome, this section controls and that statement is not part of your contract with us.

10. Intellectual property

• All content in the Service: text, guides, PDFs, practice questions and explanations, quiz logic, graphics, layout, code, and the Skillthropic name and logo: is owned by C&K Digital Holdings, LLC or its licensors and is protected by copyright, trademark, and other laws.
• Content is authored by Chris Rees and/or contributors, and all rights are reserved except the limited license in Section 4.
• Third-party trademarks, including CompTIA®, Security+®, CySA+®, SecAI+, and CISSP®, belong to their respective owners and are used only for nominative purposes: to describe which exam a guide prepares you for. See our footer disclaimer.
• Feedback: if you send us suggestions, corrections, or ideas, you grant us a perpetual, worldwide, royalty-free license to use them without obligation or compensation. We're grateful for corrections and we'll often credit you if you'd like.

11. Acceptable use

You agree not to:

• Use the Service for any unlawful purpose, or in violation of any applicable law or the CompTIA Candidate Agreement.
• Attempt to gain unauthorized access to any part of the Service, other users' accounts, or our systems.
• Probe, scan, or test the vulnerability of our systems without prior written permission. (We're a security education company. We'd probably say yes if you asked. Ask first: contact@skillthropic.com.)
• Interfere with or disrupt the Service, including via denial-of-service, excessive automated requests, or scraping.
• Reverse engineer, decompile, or attempt to derive source code from the Service, except where that restriction is prohibited by law.
• Harass or abuse our staff, or post unlawful, defamatory, or infringing content anywhere we allow submissions.
• Impersonate anyone, or misrepresent your affiliation with any person or organization.

12. Disclaimers, liability, and indemnity

12.1 Disclaimer of warranties

The Service is provided "as is" and "as available." To the fullest extent permitted by law, we disclaim all warranties, express or implied, including implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and accuracy.

We do not warrant that the Service will be uninterrupted, error-free, or secure, that content is free of factual errors or typos, or that it is current with the latest exam objectives at any given moment. We correct errors as we find them and welcome reports at contact@skillthropic.com.

Nothing in these Terms limits any warranty or right that cannot be excluded under the law that applies to you. Some jurisdictions do not allow the exclusion of implied warranties, so some of the above may not apply to you. Consumers in the EU and UK retain their statutory rights, including rights relating to digital content that is not as described or not of satisfactory quality.

12.2 Limitation of liability

To the fullest extent permitted by law:

• Skillthropic, C&K Digital Holdings, LLC, and its members, officers, employees, and contractors will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost data, lost opportunity, exam fees, retake fees, lost wages, or business interruption, arising out of or relating to the Service: even if we were advised such damages were possible.
• Our total aggregate liability for all claims relating to the Service is limited to the greater of (a) the total amount you actually paid us in the twelve (12) months before the event giving rise to the claim, or (b) fifty US dollars ($50).

These limits apply regardless of the legal theory and apply even if a limited remedy fails of its essential purpose.

They do not apply to liability that cannot be limited by law, including death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or, for EU/UK consumers, liability under mandatory consumer protection law.

12.3 Indemnification

You agree to indemnify and hold harmless C&K Digital Holdings, LLC and its members, officers, employees, and contractors from any claim, demand, loss, liability, or expense (including reasonable attorneys' fees) arising from: (a) your breach of these Terms, particularly the license restrictions in Section 4; (b) your misuse of the Service; (c) your violation of any law or third-party right, including intellectual property rights; or (d) content you submit to us.

We will notify you of any such claim, and you may control the defense with counsel reasonably acceptable to us, but you may not settle any claim in a way that imposes an obligation on us without our written consent.

13. Governing law and dispute resolution

13.1 Governing law

These Terms are governed by the laws of the State of Georgia, USA, without regard to its conflict-of-laws rules. The UN Convention on Contracts for the International Sale of Goods does not apply.

If you are a consumer resident in the EU, UK, or another jurisdiction whose law grants you mandatory protections that cannot be contracted away, nothing here deprives you of those protections or of the right to bring proceedings in the courts of your country of residence.

13.2 Talk to us first

Before starting any formal proceeding, please email contact@skillthropic.com with a description of the problem and what you'd like us to do. We'll respond within 30 days and try in good faith to resolve it. Most disputes about a study guide can be solved with a refund and an apology, and we'd rather do that.

13.3 Forum

If informal resolution fails, any dispute will be brought exclusively in the state or federal courts located in Georgia, and you and we consent to personal jurisdiction and venue there, except that either party may bring an individual claim in small claims court, and except as provided for EU/UK consumers in Section 13.1.

13.4 Class action waiver

To the extent permitted by law, you and we agree that any dispute will be brought in an individual capacity only, and not as a plaintiff or class member in any class, collective, or representative proceeding. If this waiver is found unenforceable as to a particular claim, that claim will proceed in court, but the waiver remains in effect for all others.

13.5 Time limit

Any claim relating to the Service must be filed within one (1) year after it arises, or it is permanently barred, except where a longer period is required by applicable law.

Note for the reviewing attorney: no mandatory pre-dispute arbitration clause has been included. If one is desired, it needs separate drafting with an opt-out, a mass-arbitration provision, and consumer-friendly fee terms.

14. Changes to these Terms

We may update these Terms. If a change is material (for example, to pricing, licensing, liability, or dispute resolution), we will post the updated Terms with a new effective date and email active customers and subscribers at least 14 days before it takes effect.

• For subscribers, material changes apply from your next billing period. If you don't agree, cancel before then and no further charges will be made.
• For one-time purchases already made, the Terms in effect at the time of your purchase continue to govern that purchase, except for changes required by law.
• Continuing to use the Service after the effective date means you accept the updated Terms.

15. Termination

• You may stop using the Service at any time, and may cancel a subscription at any time under Section 6.4.
• We may suspend or terminate your access if you materially breach these Terms: particularly Section 4 (license) or Section 11 (acceptable use), or if required by law. Where the breach is curable and not deliberate, we'll give you notice and a chance to fix it first.
• We may also discontinue the Service or any guide. If we do, we'll give at least 60 days' notice to affected customers and offer a pro-rata refund of any prepaid, unused subscription time.
• Termination for breach does not entitle you to a refund. Sections 4.5, 9, 10, 12, 13, and 16 survive termination.

16. General

• Entire agreement. These Terms, the Privacy Policy, and the Refund Policy are the entire agreement between you and us about the Service, and supersede all prior statements, including any earlier marketing claims about exam outcomes.
• Severability. If any provision is unenforceable, it is modified to the minimum extent necessary or severed, and the rest remains in effect.
• No waiver. Our failure to enforce a provision is not a waiver of it.
• Assignment. You may not assign these Terms. We may assign them to an affiliate or in connection with a merger, acquisition, or sale of assets, on notice to you.
• Force majeure. Neither party is liable for failure to perform due to causes beyond reasonable control.
• No third-party beneficiaries. Except as stated in the indemnity section.
• Headings are for convenience only.

17. Contact

C&K Digital Holdings, LLC 129 Carmichael Dr, Canton, GA 30115, USA Email: contact@skillthropic.com Privacy: contact@skillthropic.com