Terms of Service

These Terms of Service form a legally binding agreement between you and Cursive Pte. Ltd., the operator of Vector, Vector Learning, and Vector Learning App.

By creating an account, logging in, signing in, subscribing, or using any part of the Services, you confirm that you have read, understood, and agreed to these Terms of Service and our Privacy Policy.

In these Terms, “we”, “us”, and “our” refer to Cursive Pte. Ltd. and the Vector services we operate.

These Terms govern your access to and use of:

• vectorlearningapp.com
• app.vectorlearningapp.com
• api.vectorlearningapp.com
• the Vector mobile application;
• any related websites, apps, application programming interfaces (“APIs”), products, content, notes, tools, features, free plans, paid plans, subscriptions, and services we make available, collectively called the “Services”.

1. Acceptance of These Terms

By doing any of the following, you agree to be bound by these Terms and our Privacy Policy:

• creating an account;
• clicking any button, checkbox, or similar mechanism indicating acceptance, including “I agree”, “Create account”, “Sign up”, “Continue”, or any similar confirmation;
• accessing or using any part of the Services;
• using any free plan, free feature, trial feature, paid feature, or subscription feature.

If you do not agree to these Terms, you must not create an account, access the Services, or use the Services.

Your continued use of the Services after any update to these Terms will constitute your acceptance of the updated Terms, to the fullest extent permitted by law.

2. Who We Are

Cursive Pte. Ltd. operates the Services under the following names:

• Vector
• Vector Learning
• Vector Learning App

For general enquiries about these Terms, contact us at hello@vectorlearningapp.com.

For privacy enquiries, contact our Data Protection Officer at privacy@vectorlearningapp.com.

For account and billing enquiries, contact us at accounts@vectorlearningapp.com.

3. Eligibility

You may use the Services only if you are legally capable of entering into these Terms under applicable law.

If you are under 18, or otherwise do not have sufficient legal capacity or authority to accept these Terms on your own, your parent or legal guardian must review and accept these Terms on your behalf and authorise your use of the Services.

We may suspend, restrict, or terminate access if we reasonably believe that valid authorisation or consent has not been obtained.

4. Description of the Services

Vector provides study-related and education-support services, which may include:

• notes and study materials;
• markdown-rendered learning content;
• practice sets, question banks, and explanations;
• AI chatbot functionality;
• study analytics, including practice history, study duration, and topic accuracy;
• focus tools, including Pomodoro timers, exam tracking, widgets, sounds, and to-do lists;
• web, mobile app, and API access;
• free and paid subscription plans;
• other study-support features we may introduce from time to time.

We may add, remove, modify, suspend, or discontinue any part of the Services at any time, with or without notice, to the fullest extent permitted by law.

5. Backend, Hosting, and Infrastructure

The Services use a Spring Boot backend and infrastructure hosted on Amazon Web Services (“AWS”). Our backend may support account management, authentication, subscriptions, learning content, artificial intelligence (“AI”) features, analytics, logging, backups, security controls, and related service operations.

You must not interfere with, attack, overload, bypass, reverse engineer, or attempt to gain unauthorised access to our backend, API, databases, cloud storage, infrastructure, or related systems.

6. Account Registration and Responsibility

You must provide accurate, complete, and current information when creating and maintaining your account.

You are responsible for:

• safeguarding your login credentials;
• all activities conducted under your account;
• maintaining accurate account information;
• ensuring that your use of the Services complies with these Terms;
• ensuring that any information you provide to us is accurate, complete, and not misleading.

You must notify us promptly if you suspect unauthorised access to or misuse of your account.

7. Single-Device Access and No Account Sharing

Each account is provided only for use in the manner expressly permitted by Vector.

To protect account security, subscription integrity, and service reliability, one account may be limited to one device at a time. Account sharing is prohibited unless we expressly state otherwise in writing.

We may use device, session, access, and behavioural signals to detect suspected account sharing, misuse, abuse, or unauthorised access. If we detect or reasonably suspect such conduct, we may, without prior notice:

• terminate active sessions;
• require re-authentication;
• block additional devices;
• restrict access to paid or protected features;
• suspend or restrict the account;
• revoke access to certain features;
• terminate the account permanently.

8. Free Plans and Free Features

We may offer free plans, free features, trial features, or unpaid access to selected parts of the Services.

You acknowledge and agree that:

• the free plan remains fully subject to these Terms;
• free features may be modified, restricted, capped, or removed at any time;
• we do not guarantee continued availability of any free feature;
• usage limits, credits, practice limits, AI chatbot limits, and access rules may change from time to time.

9. Paid Plans, Subscriptions, and Billing

Some parts of the Services may require payment or an active subscription.

By purchasing a paid plan or subscription, you agree:

• to pay all applicable fees, taxes, and charges shown at checkout;
• that billing may be processed through third-party providers, including RevenueCat, Stripe, Apple, Google, Apple Pay, Google Play, or other supported platforms;
• that subscriptions may renew automatically unless cancelled through the platform where the subscription was purchased;
• that you are responsible for keeping your billing details valid and up to date;
• that paid features may be unavailable if payment fails, is reversed, is disputed, or cannot be verified.

Subscription rules include:

• subscription pricing is shown before purchase and may change from time to time;
• the current subscription price may be 9.90 per month unless a different price is shown at checkout;
• subscription periods are calculated according to the relevant billing platform, payment provider, and plan terms;
• for monthly subscriptions, access generally renews on the corresponding calendar day and time of the next billing period where supported by the platform;
• where a calendar month does not contain the same day number, the applicable platform or payment provider may adjust the renewal or expiry date according to its own rules;
• cancelling a subscription stops future renewals but does not automatically refund past payments;
• deleting your Vector account does not automatically cancel a subscription purchased through Apple, Google, Stripe, RevenueCat, or another platform.

All pricing, plan features, renewal rules, expiry dates, billing intervals, and payment options may be subject to the relevant platform or payment provider.

10. Platform Terms, App Stores, and Payment Providers

If you access or purchase the Services through a third-party platform, app store, or payment provider, that provider's terms may also apply.

• Apple App Store terms, rules, and policies may apply to iOS purchases and subscriptions;
• Google Play terms, rules, and policies may apply to Android purchases and subscriptions;
• Stripe, RevenueCat, Apple Pay, Google Pay, or other provider terms may apply depending on the payment method used;
• refunds, renewals, cancellation mechanics, billing disputes, and chargebacks may be handled by the relevant platform or payment provider.

Where there is a conflict between these Terms and mandatory platform rules that apply to your purchase, the mandatory platform rules will apply only to the extent of that conflict.

11. Cancellations and Refunds

You may cancel your subscription through the platform where you purchased it. Cancellation stops future renewals but does not automatically refund past payments.

All payments made to us are final and non-refundable to the fullest extent permitted by law. We do not provide refunds, credits, partial refunds, prorated refunds, or refunds for unused subscription time.

If your subscription was purchased through Apple, Google, Stripe, RevenueCat, or another payment platform, any refund request, billing dispute, chargeback, or payment issue must be handled through the relevant platform or payment provider. We do not control refund decisions made by Apple, Google, Stripe, RevenueCat, or other payment providers.

Nothing in these Terms limits any refund or consumer rights that cannot be excluded under applicable law.

12. Account Deletion

You may request or initiate account deletion through the app where the account deletion feature is available.

Account deletion removes or anonymises personal data associated with your account, subject to data that we are required or permitted to retain for legal, security, accounting, tax, dispute resolution, fraud prevention, service integrity, or legitimate business purposes.

Account deletion does not automatically cancel subscriptions managed by Apple, Google, Stripe, RevenueCat, or another payment platform. You must cancel your subscription through the platform where you purchased it.

13. Acceptable Use

You must not:

• use the Services unlawfully or for any unlawful purpose;
• access or use another person’s account without permission;
• share, transfer, sell, rent, sublicense, or otherwise allow another person to use your account;
• interfere with, disrupt, damage, or impair the Services or related infrastructure;
• probe, scan, test, or bypass security measures or access restrictions;
• scrape, crawl, harvest, mirror, copy, or systematically extract data or content from the Services;
• upload malware, malicious code, bots, scripts, or harmful material;
• reverse engineer, decompile, disassemble, or attempt to derive source code from any part of the Services, except where applicable law prevents such restriction;
• use the Services in a way that infringes the rights of Vector, Cursive Pte. Ltd., or any third party;
• bypass subscription rules, feature limitations, access controls, usage limits, or device restrictions;
• misuse the chatbot or other features in an abusive, deceptive, harmful, or disruptive way;
• use the Services to generate, submit, store, or distribute content that is unlawful, infringing, harmful, abusive, misleading, or inappropriate;
• submit confidential, sensitive, regulated, or third-party personal data into AI features unless you have all required rights, authority, and consent;
• use AI outputs to make decisions for another person or to provide professional, regulated, medical, legal, financial, counselling, or safety advice.

14. AI Chatbot and AI Features

The Services may include an AI chatbot or AI-assisted features powered by third-party providers, including OpenAI and DeepSeek.

You acknowledge and agree that:

• AI outputs may be inaccurate, incomplete, misleading, outdated, or inappropriate;
• AI outputs are provided for general educational support only;
• AI outputs do not constitute academic, professional, legal, financial, medical, mental health, or other regulated advice;
• you are solely responsible for evaluating and verifying any AI output before relying on it;
• you should not submit passwords, payment details, identification numbers, confidential information, or sensitive personal data into the AI chatbot;
• we may apply usage limits, safety controls, model changes, or feature restrictions at any time.

You must not:

• submit passwords, access codes, payment details, identification numbers, medical information, private family information, school confidential information, or sensitive personal data into AI features;
• submit personal data about another person unless you have all required rights, consent, and authority;
• submit copyrighted, confidential, examination, school, or third-party materials that you are not authorised to provide;
• rely on AI outputs as the sole basis for homework, assignments, examinations, disciplinary matters, safety decisions, or important personal decisions;
• use AI features to cheat, plagiarise, impersonate another person, bypass school rules, or misrepresent your own work;
• attempt to extract system prompts, bypass safety controls, abuse rate limits, or use AI features to create harmful, unlawful, misleading, or inappropriate content.

AI features are automated tools, not teachers, tutors, examiners, counsellors, professionals, or human reviewers. We do not review every AI output, and we do not guarantee that AI outputs are accurate, safe, complete, current, appropriate, or aligned with your school's requirements.

You are solely responsible for your prompts, files, messages, and other submissions to AI features, including any data leakage, breach of confidentiality, infringement, school-rule violation, or harm caused by what you submit, copy, share, or rely on.

We may modify, suspend, replace, rate-limit, or remove any AI feature at any time. To the fullest extent permitted by law, we are not responsible for decisions you make, work you submit, content you share, or consequences you experience based on AI outputs.

15. Educational Use Only

The Services are designed for study support and educational assistance. They are not a replacement for teachers, schools, professional advice, or your own judgement.

You remain responsible for your own learning, revision, examination preparation, academic conduct, and compliance with school rules, examination rules, and applicable laws.

We do not guarantee admission, grades, examination results, academic improvement, scholarship outcomes, school placement, or any other educational result.

16. Intellectual Property Ownership

All rights, title, and interest in and to the Services and our protected content are owned by Cursive Pte. Ltd., licensed to us, or otherwise made available to us for use in the Services.

Protected content may include:

• notes;
• handmade diagrams;
• question images and diagrams;
• practice sets;
• explanations and worked solutions;
• markdown-rendered study materials;
• app screens, layouts, user flows, and interface elements;
• analytics formats and learning progress displays;
• logos, names, branding, icons, illustrations, and visual assets;
• software, source code, APIs, databases, and platform architecture.

Nothing in these Terms transfers ownership of any intellectual property rights to you. You receive only a limited, personal, revocable, non-exclusive, non-transferable right to access and use the Services for your own individual study purposes, subject to these Terms.

If you copy, screenshot, record, reproduce, redistribute, sell, publish, commercialise, or otherwise misuse any protected content without our express written permission, we may suspend or terminate your account and take legal action against you. This may include seeking damages, injunctions, account investigation, takedown requests, recovery of legal costs, and any other remedies available under applicable law.

17. Strict Content Protection Rules

Our notes, diagrams, practice sets, question images, explanations, app screens, and other learning materials require substantial time, effort, cost, and skill to prepare.

You must not:

• screenshot, record, photograph, copy, reproduce, duplicate, republish, or archive protected app content;
• download, print, extract, or store notes, diagrams, questions, explanations, screenshots, or study content unless the feature expressly allows it;
• share, transmit, upload, post, email, publish, or otherwise distribute any protected content from the Services;
• sell, sublicense, commercialise, monetise, or include any protected content in another product, tuition package, worksheet, school resource, content library, website, app, or AI dataset;
• compile, adapt, translate, modify, extract, trace, redraw, or create derivative works from notes, diagrams, questions, explanations, screenshots, or study content;
• remove, obscure, alter, or hide any watermark, notice, attribution, copyright notice, or ownership marker;
• use Vector content to train, fine-tune, evaluate, or populate any AI model, chatbot, database, or competing education product;
• upload our content to any website, cloud drive, repository, forum, messaging group, social media platform, file-sharing platform, or third-party platform.

These restrictions apply whether the content is created by us, handmade by us, licensed to us, adapted for use in the Services, or displayed through the Services.

If we discover unauthorised copying, screenshotting, recording, redistribution, sale, publication, or commercial misuse of our protected content, we may suspend or terminate the relevant account and pursue all available remedies, including injunctive relief, damages, account investigation, takedown requests, recovery of legal costs, and any other remedies available under law.

18. School-Style Questions and Third-Party Materials

Some practice questions, references, formats, or diagrams may be based on, adapted from, inspired by, or similar to school-style educational materials, examination-style questions, or publicly encountered academic resources.

Where third-party rights exist, those rights remain with their respective owners. You must not copy, screenshot, record, redistribute, sell, or reuse any question, image, diagram, screenshot, or learning content from the Services unless we expressly allow it in writing.

If you believe that any content in the Services infringes your rights, please contact us at hello@vectorlearningapp.com with sufficient details for us to review the matter.

19. User Content

You may submit content, data, text, messages, answers, prompts, files, feedback, notes, to-do items, exam tracker entries, support requests, or other information through the Services (“User Content”).

By submitting User Content, you represent and warrant that:

• you have all necessary rights to submit the User Content;
• the User Content does not infringe any third-party rights;
• the User Content does not violate any law or regulation;
• the User Content does not contain material that you are prohibited from providing;
• the User Content does not contain malware, harmful code, or deceptive material.

You grant us a worldwide, non-exclusive, royalty-free licence to host, store, process, reproduce, display, transmit, and use User Content as needed to operate, secure, provide, support, and improve the Services.

You remain responsible for your User Content. We may remove, restrict, or disable access to User Content if we believe it breaches these Terms, violates law, infringes rights, or creates risk.

Do not submit confidential, sensitive, regulated, infringing, school-restricted, or third-party personal data unless you have all required rights, authority, and consent. To the fullest extent permitted by law, we are not responsible for data leakage, disclosure, or claims arising from User Content that you choose to submit.

20. Themes, Widgets, Sounds, and Personalisation

The Services may allow you to change themes, use widgets, enable sounds, configure study tools, and personalise parts of your experience.

We may modify, limit, replace, or remove personalisation features at any time. Some features may depend on device permissions, operating system settings, platform rules, or app version.

21. Analytics and Progress Tracking

The Services may provide analytics such as practice history, study duration, topic accuracy, scores, and related learning trends.

Analytics are provided for informational and study-support purposes only. We do not guarantee that analytics will be complete, error-free, or predictive of actual examination performance.

22. Privacy

Our collection, use, disclosure, storage, and protection of personal data are explained in our Privacy Policy.

By using the Services, you acknowledge that your personal data may be processed according to our Privacy Policy.

You are responsible for keeping your device, account, browser, network, and login credentials secure. You must not share your account with anyone else.

23. Suspension, Restriction, and Termination

We may suspend, restrict, or terminate your access to all or part of the Services if:

• you breach these Terms;
• we reasonably suspect misuse, fraud, abuse, account sharing, scraping, copying, or unauthorised distribution;
• you misuse our notes, diagrams, questions, explanations, screenshots, or other protected content;
• you create legal, reputational, operational, intellectual property, or security risk;
• payment is overdue, reversed, challenged, refunded, disputed, or cannot be verified;
• we are required to do so by law, regulation, court order, platform rule, or competent authority;
• we discontinue part or all of the Services.

We may take these actions with or without prior notice to the fullest extent permitted by law.

24. Service Availability and Changes

We may update, modify, suspend, interrupt, or discontinue any part of the Services at any time. We do not guarantee that the Services will always be available, uninterrupted, secure, or error-free.

We may perform maintenance, release updates, change infrastructure, adjust limits, modify features, or change providers where needed for security, performance, legal, commercial, or operational reasons.

To the fullest extent permitted by law, we are not responsible for:

• unauthorised access caused by weak, reused, shared, stolen, or compromised passwords or devices;
• loss of data caused by your device, operating system, browser, network, or third-party platform;
• acts or omissions of third-party providers, app stores, payment providers, hosting providers, AI providers, analytics providers, or notification providers;
• security incidents, cyberattacks, service interruptions, malware, denial-of-service attacks, or infrastructure failures outside our reasonable control;
• loss, disclosure, or misuse of data you voluntarily submit to the Services, AI features, support channels, or third-party services contrary to these Terms or our Privacy Policy.

25. Disclaimers

The Services are provided on an “as is” and “as available” basis to the fullest extent permitted by law.

We do not guarantee that:

• any study outcome, examination result, grade, or academic improvement will be achieved;
• any AI chatbot answer will be correct, complete, or suitable;
• any note, diagram, explanation, practice question, or study material will be error-free;
• the Services will always be available, uninterrupted, secure, or free from bugs;
• the Services will always meet your expectations or learning needs;
• user-submitted content, prompts, files, answers, or account data will never be lost, disclosed, corrupted, misused, or accessed without authorisation;
• third-party providers will always remain available, secure, accurate, compliant, or unchanged.

To the fullest extent permitted by law, we disclaim all warranties, representations, and conditions, whether express, implied, statutory, or otherwise, including warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, availability, and reliability.

26. Limitation of Liability

To the fullest extent permitted by law, Cursive Pte. Ltd. and its officers, employees, contractors, service providers, and affiliates will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, goodwill, learning progress, academic opportunity, examination opportunity, school opportunity, business opportunity, or educational outcome.

To the fullest extent permitted by law, we are not liable for any claim, loss, damage, consequence, or dispute arising from AI outputs, your reliance on AI outputs, your submission of data to AI features, your disclosure of confidential or sensitive information, your breach of school rules, your academic conduct, third-party services, cybersecurity incidents, unauthorised account access, data loss, data corruption, service interruption, or events outside our reasonable control.

To the fullest extent permitted by law, our total aggregate liability arising out of or relating to the Services or these Terms will not exceed the amount you paid to us for the Services in the 3 months before the event giving rise to the claim, or SGD 100, whichever is higher.

Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law.

27. Indemnity

To the fullest extent permitted by law, you agree to indemnify and hold harmless Cursive Pte. Ltd. and its officers, employees, contractors, service providers, and affiliates from and against any claims, losses, liabilities, damages, costs, and expenses, including reasonable legal fees, arising out of or relating to:

• your use or misuse of the Services;
• your breach of these Terms;
• your User Content;
• your infringement or misuse of our intellectual property or any third-party rights;
• your violation of any law, regulation, or platform rule;
• your unauthorised copying, screenshotting, sharing, selling, or distribution of protected content;
• your submission of confidential, sensitive, regulated, infringing, or third-party data into the Services or AI features;
• your reliance on, use of, sharing of, or failure to verify AI outputs.

28. Third-Party Services

The Services may integrate with, depend on, or link to third-party services, including AWS, OpenAI, DeepSeek, RevenueCat, Stripe, Apple, Google, Apple Pay, Google Play, analytics providers, notification providers, and other infrastructure or technology providers.

We are not responsible for third-party services, terms, policies, availability, security, billing decisions, refund decisions, or service changes.

29. Feedback

If you provide feedback, suggestions, ideas, reports, or recommendations about the Services, you grant us a perpetual, worldwide, irrevocable, royalty-free right to use, modify, commercialise, and incorporate that feedback without restriction or compensation to you.

30. Changes to These Terms

We may update these Terms from time to time. Any updated version will be posted on our website or app with a revised Last Updated date.

Your continued use of the Services after the updated Terms take effect will constitute your acceptance of the updated Terms to the fullest extent permitted by law.

31. Governing Law and Dispute Resolution

These Terms are governed by the laws of Singapore, without regard to conflict-of-law rules.

Subject to any mandatory applicable law, you and Cursive Pte. Ltd. agree to submit to the exclusive jurisdiction of the courts of Singapore for any dispute arising out of or relating to these Terms or the Services.

32. Severability

If any part of these Terms is found to be unlawful, invalid, or unenforceable, that part will be enforced to the maximum extent permitted by law, and the remaining parts will continue in full force and effect.

33. No Waiver

Our failure to enforce any part of these Terms does not constitute a waiver of our right to enforce that or any other part of these Terms later.

34. Assignment

You may not assign, transfer, or delegate your rights or obligations under these Terms without our prior written consent.

We may assign, transfer, or delegate our rights and obligations under these Terms in connection with a merger, acquisition, restructuring, sale of assets, financing, change of control, or by operation of law.

35. Entire Agreement

These Terms, together with our Privacy Policy and any additional terms presented for specific features, form the entire agreement between you and Cursive Pte. Ltd. regarding the Services.

36. Contact Us

If you have questions about these Terms, please contact:

Cursive Pte. Ltd.
General enquiries: hello@vectorlearningapp.com
Privacy enquiries: privacy@vectorlearningapp.com
Account and billing enquiries: accounts@vectorlearningapp.com
Website: vectorlearningapp.com