1. 接受条款
下载或使用考啦（“本服务”）即表示你同意本条款和隐私政策。如不同意，请不要使用。本服务由个人开发者 Qing Yang 以“考啦 Kaola”名义提供，联系邮箱 [email protected]。
2. 服务内容
考啦是备考学习的记录和安排工具：记录各章节学习状态和打卡，设置每周学习目标和本周清单，并根据学习进度查看今日任务与待复习章节；会员还可以根据你设定的每周学习时间、学习轮数等选择，自动排出学习与复习安排，并查看是否来得及的结论及其计算依据。App 还配有“养考拉”的激励玩法。考啦不提供题库、模拟考试或培训课程，也不保证你通过任何考试。计划、完成时间和“够不够”等结论都是基于你输入的信息和估算得出的参考，实际结果取决于你自己的学习。
3. 与考试机构无关；考纲仅供参考
FRM、GARP、CFA、CFA Institute、CSC 等名称属于各自权利人。考啦与这些机构没有隶属、赞助或认可关系。App 中的考纲结构（板块、章节、权重）是我们根据考试机构公开信息自行整理的，可能不完整、有错漏或未及时更新，部分考试或级别的考纲尚未整理或尚未与官方版本逐项核对，请以考试机构官方发布的最新考纲为准。
4. 账号与使用资格
你需要年满 13 岁。登录是可选的；登录后请妥善保管你的邮箱和设备，你对账号下的活动负责。请提供真实有效的邮箱，并及时告知我们任何未经授权的使用。
5. 你的内容
你在 App 中输入的笔记、昵称等内容归你所有。你授予我们一项有限的、非独占的许可，仅为运行本服务所必需（例如存储、同步、显示给你自己）。我们不会把你的笔记用于广告或向第三方出售。请不要输入违法或侵犯他人权利的内容。
6. 合理使用
请不要：破解、反向工程或干扰本服务；绕过会员限制；用自动化方式批量访问服务器；利用本服务从事违法活动或侵害他人权益。
7. 会员订阅
- 会员为自动续期订阅，通过你的 Apple 账户购买和付款。实际价格、计费周期和免费试用资格以购买页和 App Store 显示的为准。
- 如提供免费试用，试用时长和资格以购买页为准；如未在试用结束前至少 24 小时取消，试用结束后将按所选周期自动扣费。
- 除非你在当前订阅周期结束前至少 24 小时关闭自动续订，订阅会自动续订并扣费。你可以随时在 Apple 的“设置 → 你的名字 → 订阅”里管理或取消。
- 退款由 Apple 按其政策处理，我们无法直接退款。
- 取消订阅后，会员权益保留到当期结束；你的学习数据不会因此被删除，免费功能照常可用。删除考啦账号不会自动取消 Apple 订阅，请先在 Apple 的订阅设置中取消，否则仍会续费。
8. 知识产权
考啦原创内容的知识产权归 Qing Yang 或相关权利人所有。App 中的第三方代码、字体、插画和其他素材按各自的许可或授权条款使用。我们授予你个人的、非商业的、可撤销的使用许可。未经许可，不得复制、出售或用于其他商业用途。
9. 免责声明
本服务按“现状”和“可用”提供，在适用法律允许的范围内，我们不作任何明示或默示保证（包括适销性、特定用途适用性、不间断或无错误）。同步、计划估算等功能可能出现延迟或误差，请自行保留重要资料。
10. 责任限制
在适用法律允许的最大范围内，我们不对任何间接、附带、特殊或后果性损失负责，包括考试未通过、学习安排失误、数据丢失造成的损失。我们对你的全部责任总额，以你在事发前 12 个月内为本服务支付的费用为限（如未付费，则为 100 美元）。法律不允许排除或限制的责任不受影响。
11. 终止
你可以随时停止使用并申请删除账号（删除账号不会取消 Apple 订阅，见第 7 条）。如你严重违反本条款，我们可以暂停或终止你的账号。终止后，与数据删除相关的条款仍然适用。
12. Apple 条款
本条款是你与我们之间的协议，不是与 Apple 之间的协议。除非另有约定，你使用 App 还受 Apple 标准最终用户许可协议约束。Apple 不对本服务的维护和支持负责，Apple 及其子公司是本条款中针对你的第三方受益人。
13. 适用法律
本条款适用加拿大安大略省法律及适用的加拿大联邦法律（不考虑法律冲突规则）。争议应先友好协商；协商不成，提交上述地区有管辖权的法院。你所在地的强制性消费者保护法律不受影响。
14. 条款变更
我们可能更新本条款。重大变更会提前告知；变更生效后继续使用，视为接受新条款。
1. Acceptance
By downloading or using Kaola (the “Service”) you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Service. Qing Yang, an individual developer, provides the Service under the name “Kaola”. Contact [email protected].
2. What the Service is
Kaola is a tool for recording and organizing exam study: it tracks chapter status and check-ins and lets you set weekly goals and a weekly list, and shows today’s tasks and chapters due for review based on your progress; members can also have study and review schedules built automatically from the weekly study time, number of rounds and other options they set, and see conclusions on whether the schedule fits, with the calculation behind each one. The app adds a koala-raising motivation feature. Kaola does not provide question banks, mock exams or courses, and does not guarantee you will pass any exam. Plans, completion dates and “will it fit” conclusions are estimates based on the information you enter; real results depend on your own study.
3. No affiliation; syllabus for reference only
FRM, GARP, CFA, CFA Institute, CSC and similar names belong to their respective owners. Kaola is not affiliated with, sponsored by or endorsed by them. The syllabus structure in the app (topics, chapters, weights) was organized by us from information the exam bodies make public. It may be incomplete, contain errors or be out of date, and for some exams or levels it has not yet been checked item by item against the official version. Always rely on the latest syllabus published by the exam body.
4. Accounts and eligibility
You must be at least 13. Signing in is optional; if you do, keep your email and devices secure — you are responsible for activity under your account. Provide a valid email and tell us promptly about any unauthorized use.
5. Your content
You own the notes, nickname and other content you enter. You grant us a limited, non-exclusive license to use it only as needed to run the Service (for example storing, syncing and showing it back to you). We do not use your notes for advertising or sell them. Do not enter unlawful content or content that infringes others’ rights.
6. Acceptable use
Do not: hack, reverse engineer or interfere with the Service; bypass membership limits; access our servers in bulk by automated means; or use the Service for unlawful activity or to harm others.
7. Membership subscriptions
- Membership is an auto-renewing subscription purchased and paid through your Apple account. The actual price, billing period and free-trial eligibility are those shown on the purchase screen and in the App Store.
- If a free trial is offered, its length and eligibility are as shown on the purchase screen; you will be charged for the selected period automatically unless you cancel at least 24 hours before the trial ends.
- Subscriptions renew and are charged automatically unless you turn off auto-renew at least 24 hours before the end of the current subscription period. Manage or cancel any time in Apple’s Settings → your name → Subscriptions.
- Refunds are handled by Apple under its policies; we cannot refund directly.
- After cancelling, membership benefits last until the end of the paid period; your study data is not deleted and free features keep working. Deleting your Kaola account does not automatically cancel your Apple subscription; cancel it in Apple’s subscription settings first or you will continue to be charged.
8. Intellectual property
Intellectual property rights in Kaola’s original content belong to Qing Yang or the relevant rights holders. Third-party code, fonts, illustrations, and other materials used in the app are subject to their respective licenses or permissions. We grant you a personal, non-commercial, revocable license to use the Service. You may not copy, sell or otherwise commercially exploit them without permission.
9. Disclaimer
The Service is provided “as is” and “as available”. To the extent permitted by law we make no warranties, express or implied, including merchantability, fitness for a particular purpose, or uninterrupted or error-free operation. Sync and plan estimates may be delayed or inaccurate; keep your own copies of anything important.
10. Limitation of liability
To the fullest extent permitted by law, we are not liable for indirect, incidental, special or consequential damages, including failing an exam, mistakes in study scheduling, or data loss. Our total liability is limited to the amount you paid for the Service in the 12 months before the claim (or US$100 if you paid nothing). Liability that cannot be excluded or limited by law is not affected.
11. Termination
You may stop using the Service and request account deletion at any time (deleting your account does not cancel an Apple subscription — see Section 7). We may suspend or terminate your account for serious breach of these Terms. Provisions that by nature should survive termination, including those about data deletion, continue to apply.
12. Apple terms
These Terms are between you and us, not Apple. Unless otherwise agreed, your use of the app is also subject to Apple’s standard End User License Agreement. Apple is not responsible for maintenance or support of the Service, and Apple and its subsidiaries are third-party beneficiaries of these Terms with respect to you.
13. Governing law
These Terms are governed by the laws of Ontario, Canada, and applicable federal laws of Canada, without regard to conflict-of-law rules. Disputes should first be resolved in good faith; failing that, they go to the competent courts of that jurisdiction. Mandatory consumer-protection laws where you live are not affected.
14. Changes
We may update these Terms. We will give notice of material changes; continuing to use the Service after they take effect means you accept the new Terms.
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