Transform Education with Smart Question Banking

1. Acceptance of Terms

By accessing, browsing, or using SmartBankEDU ("the Service", "we", "us", or "our"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service ("Terms") and to comply with all applicable laws and regulations. If you do not agree with these Terms, you must not access or use the Service.

2. Definitions

• "Service" refers to the SmartBankEDU platform, including all websites, applications, and related services.
• "User" or "You" refers to any individual or entity that accesses or uses the Service.
• "Content" refers to all information, data, text, questions, files, and materials uploaded, submitted, or created through the Service.
• "Account" refers to the registered account created by a User to access the Service.

3. Description of Service

SmartBankEDU is a comprehensive educational question bank platform designed for educators, institutions, and educational professionals. The Service enables Users to:

• Create, manage, and organize academic questions across multiple subjects and grade levels
• Upload educational materials and generate questions from your content
• Collaborate with other educators through question sharing and review processes
• Generate comprehensive exams and assessments from the question bank
• Track and manage question status, review workflows, and educational content

4. Account Registration and Eligibility

To access certain features of the Service, you must register for an Account. By registering, you represent and warrant that:

• You are at least 18 years old or have obtained parental or guardian consent
• You have the legal capacity and authority to enter into these Terms
• All information provided during registration is accurate, current, and complete
• You will maintain and promptly update your Account information to keep it accurate

You are responsible for maintaining the confidentiality of your Account credentials and for all activities that occur under your Account. You agree to notify us immediately of any unauthorized use of your Account or any other breach of security.

5. User Responsibilities and Acceptable Use

You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to:

• Violate any applicable local, state, national, or international law or regulation
• Infringe upon or violate our intellectual property rights or the intellectual property rights of others
• Upload, transmit, or distribute any Content that is unlawful, harmful, threatening, abusive, harassing, defamatory, or otherwise objectionable
• Upload Content that contains viruses, malware, or any other harmful computer code
• Attempt to gain unauthorized access to the Service, other Accounts, or computer systems
• Interfere with or disrupt the Service or servers or networks connected to the Service
• Use automated systems (bots, scrapers) to access the Service without our express written permission
• Impersonate any person or entity or misrepresent your affiliation with any person or entity
• Collect or store personal data about other Users without their consent

You are solely responsible for all Content you create, upload, or submit through the Service. We reserve the right, but are not obligated, to monitor, review, and remove any Content that violates these Terms.

6. Content Ownership and Licensing

Your Content: You retain all ownership rights to Content you create, upload, or submit to the Service. By submitting Content, you grant us a worldwide, non-exclusive, royalty-free, perpetual, irrevocable, and sublicensable license to:

• Use, reproduce, modify, adapt, publish, translate, and distribute your Content for the purpose of operating, promoting, and improving the Service
• Make your Content available to other Users of the Service in accordance with your Account settings and the Service's functionality

Our Content: The Service itself, including its design, features, functionality, logos, trademarks, and all other aspects, is owned by SmartBankEDU or its licensors and is protected by copyright, trademark, and other intellectual property laws.

Third-Party Content: The Service may contain Content provided by other Users or third parties. We do not endorse or assume responsibility for such Content. You acknowledge that you may be exposed to Content that is inaccurate, offensive, or otherwise objectionable.

7. Intellectual Property Rights

All intellectual property rights in the Service, including but not limited to copyrights, trademarks, trade secrets, and patents, are owned by SmartBankEDU or its licensors. These Terms do not grant you any rights to use our trademarks, service marks, logos, or other proprietary identifiers. You may not copy, modify, distribute, sell, or lease any part of the Service without our prior written consent.

8. Service Availability and Modifications

We strive to provide continuous, reliable access to the Service, but we do not guarantee that the Service will be available at all times or that it will be error-free. The Service may be temporarily unavailable due to:

• Scheduled maintenance or updates
• Unforeseen technical difficulties
• Force majeure events

We reserve the right to modify, suspend, or discontinue any aspect of the Service at any time, with or without notice. We may also impose limits on certain features or restrict your access to parts or all of the Service without notice or liability.

9. Disclaimers and Limitation of Liability

Disclaimer of Warranties: THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL MEET YOUR REQUIREMENTS, BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE.

Limitation of Liability: TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, SMARTBANKEDU AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, OR OTHER INTANGIBLE LOSSES, RESULTING FROM YOUR USE OR INABILITY TO USE THE SERVICE.

Content Accuracy: We do not guarantee the accuracy, completeness, or quality of any Content available through the Service, including questions generated from uploaded materials. You are responsible for reviewing and validating all Content before using it for educational purposes.

10. Indemnification

You agree to indemnify, defend, and hold harmless SmartBankEDU and its officers, directors, employees, agents, and licensors from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any rights of another party; or (d) your Content.

11. Termination

You may terminate your Account at any time by contacting us or using the Account deletion features in the Service.

We reserve the right to suspend or terminate your Account and access to the Service immediately, without prior notice or liability, for any reason, including but not limited to:

• Your breach of these Terms
• Your violation of any applicable law or regulation
• Your engagement in fraudulent, illegal, or harmful activities
• Extended periods of Account inactivity

Upon termination, your right to use the Service will immediately cease. Provisions of these Terms that by their nature should survive termination shall survive, including but not limited to ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

12. Changes to Terms

We reserve the right to modify or replace these Terms at any time at our sole discretion. If we make material changes, we will provide notice through the Service or by other means. Your continued use of the Service after any such changes constitutes your acceptance of the new Terms. If you do not agree to the modified Terms, you must stop using the Service.

13. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of [Your Jurisdiction], without regard to its conflict of law provisions.

Any disputes arising out of or relating to these Terms or the Service shall be resolved through good faith negotiations. If such negotiations are unsuccessful, disputes shall be resolved through binding arbitration in accordance with the rules of [Arbitration Organization], except where prohibited by law.

14. Miscellaneous

• Entire Agreement: These Terms constitute the entire agreement between you and SmartBankEDU regarding the Service.
• Severability: If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full effect.
• Waiver: Our failure to enforce any right or provision of these Terms will not be considered a waiver of such right or provision.
• Assignment: You may not assign or transfer these Terms or your Account without our prior written consent. We may assign these Terms without restriction.

15. Contact Information

If you have any questions, concerns, or requests regarding these Terms of Service, please contact us through the Service's support channels or at the contact information provided in the Service.

1. Introduction

SmartBankEDU ("we," "our," "us," or "the Service") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our educational platform. Please read this Privacy Policy carefully. By accessing or using our Service, you agree to the collection and use of information in accordance with this policy.

2. Information We Collect

We collect information that you provide directly to us and information that is automatically collected when you use our Service.

2.1. Personal Information

When you register for an Account, we may collect:

• Full name
• Email address
• Password (stored in encrypted form)
• Role/account type (contributor, reviewer, administrator)
• Subject preferences and teaching areas
• Institutional affiliation (if applicable)

2.2. Content and Usage Information

When you use our Service, we automatically collect:

• Questions created, edited, or reviewed
• Files uploaded to the platform (documents, PDFs, etc.)
• Exams generated and downloaded
• Platform activity, interactions, and usage patterns
• IP address, browser type, device information, and operating system
• Pages visited, time spent on pages, and referral sources

2.3. Cookies and Tracking Technologies

We use cookies, web beacons, and similar tracking technologies to collect information about your interactions with our Service. Cookies are small data files stored on your device that help us improve your experience, remember your preferences, and analyze usage patterns.

3. How We Use Your Information

We use the information we collect for various purposes, including:

• Service Provision: To provide, maintain, and improve our Service, including question generation, exam creation, and collaboration features
• Account Management: To create and manage your Account, authenticate your identity, and process your requests
• Communication: To send you important updates, notifications, and administrative messages related to the Service
• Personalization: To customize your experience, recommend relevant content, and remember your preferences
• Analytics: To analyze usage patterns, monitor Service performance, and improve functionality
• Security: To detect, prevent, and address technical issues, fraud, security threats, and abuse
• Legal Compliance: To comply with applicable laws, regulations, and legal processes
• Research and Development: To conduct research and develop new features and improvements

4. Information Sharing and Disclosure

We do not sell, rent, or trade your personal information to third parties. We may share your information in the following circumstances:

4.1. With Your Consent

We may share your information when you explicitly consent to such sharing, such as when you choose to make your educational content publicly available or share it with specific users.

4.2. Educational Content Sharing

Questions, assessments, and educational content you create may be shared with other educators on the platform in accordance with your Account settings and the Service's collaboration features. You control the visibility and sharing of your content.

4.3. Service Providers

We may share information with trusted third-party service providers who assist us in operating our Service, including:

• Cloud hosting and storage providers
• AI service providers for question generation
• Analytics and monitoring services
• Email delivery services

These service providers are contractually obligated to protect your information and use it only for the purposes we specify.

4.4. Legal Requirements

We may disclose your information if required by law, regulation, legal process, or governmental request, or to:

• Comply with legal obligations
• Protect and defend our rights or property
• Prevent or investigate possible wrongdoing
• Protect the personal safety of users or the public

4.5. Business Transfers

In the event of a merger, acquisition, reorganization, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change in ownership or control of your personal information.

5. Data Security

We implement appropriate technical and organizational security measures designed to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of data in transit using TLS/SSL protocols
• Encryption of sensitive data at rest
• Secure password hashing using industry-standard algorithms (bcrypt, Argon2)
• Regular security assessments and vulnerability testing
• Access controls and authentication mechanisms
• Regular backups and disaster recovery procedures
• Employee training on data protection and privacy

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee absolute security. You use the Service at your own risk.

6. Data Retention

We retain your personal information for as long as necessary to provide you with our Service and fulfill the purposes described in this Privacy Policy, unless a longer retention period is required or permitted by law.

• Active Accounts: We retain your information while your Account is active and for a reasonable period thereafter
• Deleted Accounts: Upon Account deletion, we will delete or anonymize your personal information, except where we are required to retain it for legal, regulatory, or legitimate business purposes
• Content: Educational content you create may be retained in accordance with our Terms of Service and your Account settings
• Legal Obligations: We may retain certain information to comply with legal obligations, resolve disputes, and enforce our agreements

7. Your Rights and Choices

Depending on your jurisdiction, you may have certain rights regarding your personal information, including:

• Access: Request access to your personal information and receive a copy of the data we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information ("right to be forgotten")
• Data Portability: Request a copy of your data in a structured, commonly used, and machine-readable format
• Objection: Object to processing of your personal information for certain purposes
• Restriction: Request restriction of processing of your personal information
• Withdrawal of Consent: Withdraw consent where processing is based on consent

To exercise these rights, please contact us through the Service's support channels. We will respond to your request within a reasonable timeframe and in accordance with applicable law. We may require verification of your identity before processing your request.

8. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to:

• Maintain your session and authentication state
• Remember your preferences and settings
• Analyze Service usage and improve functionality
• Provide personalized content and features

You can control cookies through your browser settings. Most browsers allow you to refuse cookies or alert you when cookies are being sent. However, disabling cookies may limit your ability to use certain features of the Service.

We may also use third-party analytics services (such as Google Analytics) that use cookies and similar technologies to collect and analyze information about Service usage. These services may collect information about your use of the Service over time and across different websites.

9. Third-Party Services and Links

Our Service may integrate with or contain links to third-party services, websites, or applications. These third-party services have their own privacy policies and terms of service. We are not responsible for the privacy practices or content of these third-party services.

Notable third-party services we use include:

• Content Processing Services: We use third-party services to process uploaded educational materials and generate questions. These services may process your uploaded content in accordance with their own privacy policies.
• Cloud Services: We use cloud hosting providers for data storage and Service delivery.

10. Children's Privacy

Our Service is designed for educators and educational institutions. We do not knowingly collect personal information from children under the age of 13 (or the applicable age of consent in your jurisdiction). If you are a parent or guardian and believe that your child has provided us with personal information, please contact us immediately. If we become aware that we have collected personal information from a child without parental consent, we will take steps to delete such information promptly.

11. International Data Transfers

Your information may be transferred to, stored, and processed in countries other than your country of residence. These countries may have data protection laws that differ from those in your jurisdiction. By using our Service, you consent to the transfer of your information to these countries. We take appropriate safeguards to ensure that your information receives adequate protection in accordance with this Privacy Policy and applicable data protection laws.

12. California Privacy Rights

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect, the right to delete your personal information, the right to opt-out of the sale of personal information (we do not sell personal information), and the right to non-discrimination for exercising your privacy rights. To exercise these rights, please contact us through the Service's support channels.

13. European Privacy Rights (GDPR)

If you are located in the European Economic Area (EEA), you have certain rights under the General Data Protection Regulation (GDPR), including the rights described in Section 7 above. We process your personal information based on various legal bases, including your consent, the performance of a contract, compliance with legal obligations, and our legitimate interests. You have the right to lodge a complaint with a supervisory authority if you believe our processing of your personal information violates applicable data protection laws.

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or for other reasons. We will notify you of any material changes by:

• Posting the updated Privacy Policy on this page
• Updating the "Effective Date" at the top of this Privacy Policy
• Sending you an email notification (if applicable)
• Displaying a prominent notice on the Service

Your continued use of the Service after any changes to this Privacy Policy constitutes acceptance of the updated policy. We encourage you to review this Privacy Policy periodically.

15. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us through the Service's support channels or at the contact information provided in the Service. We will respond to your inquiries within a reasonable timeframe.