TERMS OF SERVICE

Last Updated: March 29, 2026

IMPORTANT: PLEASE READ THESE TERMS OF SERVICE CAREFULLY. BY ACCESSING OR USING THE SERVICES PROVIDED BY Skipthink LLC, D/B/A Skipthink.AI, ("Skipthink," "we," "us," or "our"), YOU AGREE TO BE BOUND BY THESE TERMS OF SERVICE ("Terms"). IF YOU DO NOT AGREE TO ALL OF THESE TERMS, DO NOT ACCESS OR USE OUR SERVICES.

THESE TERMS CONTAIN A MANDATORY ARBITRATION PROVISION (SECTION 14) AND A CLASS ACTION WAIVER (SECTION 15) THAT AFFECT YOUR LEGAL RIGHTS. PLEASE READ THEM CAREFULLY.

1. OVERVIEW AND ACCEPTANCE

1.1. These Terms govern your access to and use of the digital products, content, tools, and services (collectively, the "Services") offered by Skipthink LLC, a limited liability company organized under the laws of the State of Wyoming.

1.2. Skipthink.AI provides AI-generated research reports on topics submitted by customers. Reports are produced using automated artificial intelligence systems and delivered as professionally-formatted PDF documents via email. Reports are available in five tiers: Quick-Take (free), Essentials ($4.99), In-Depth ($11.99), Comprehensive ($24.99), and Exhaustive ($49.99), each offering progressively greater depth of research and analysis.

1.3. By purchasing, accessing, downloading, or otherwise using our Services, you represent and warrant that:

1.4. We reserve the right to modify these Terms at any time. Material changes will be communicated via email or through a prominent notice on our website at least 30 days before they take effect. Your continued use of the Services after changes take effect constitutes acceptance of the revised Terms.

2. AI-GENERATED CONTENT DISCLOSURE

2.1. All digital products and content delivered through our Services are generated, in whole or in part, by artificial intelligence systems. This includes but is not limited to reports, analyses, tools, templates, and other digital deliverables.

2.2. While we implement quality review processes to ensure accuracy and usefulness, AI-generated content may contain errors, omissions, or inaccuracies. You acknowledge and agree that AI-generated content is provided for informational and operational purposes only and does not constitute professional advice of any kind.

2.3. You are solely responsible for evaluating the accuracy, completeness, and suitability of any AI-generated content for your particular needs before relying on it.

2.4. For full details on how AI is used in our products, including our quality assurance processes, accuracy disclaimers, and EU AI Act compliance, please refer to our separate AI-Generated Content Disclosure, which is incorporated into these Terms by reference. In the event of any conflict between this summary and the AI-Generated Content Disclosure, the AI-Generated Content Disclosure shall control.

3. ACCOUNTS AND ACCESS

3.1. To access certain features of our Services, you may be required to create an account. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

3.2. You agree to:

3.3. Product Re-download: You may re-access previously purchased digital products by providing the email address used at the time of purchase. We will verify your identity by matching a hashed version of your provided email against our order records. Re-download access is available for a period of one (1) year from the date of purchase, subject to product availability and these Terms. After the one-year re-download period has expired, we are not obligated to provide access to previously purchased products.

3.4. We reserve the right to suspend or terminate accounts that violate these Terms, are used for fraudulent purposes, or remain inactive for more than 12 consecutive months.

4. PAYMENT TERMS

4.1. All payments for our Services are processed by our payment processor, Stripe. By making a purchase, you agree to the payment terms and policies of Stripe in addition to these Terms.

4.2. Prices for our products and services are listed on the applicable product listing pages on our website. We offer products at various price points. Current pricing, product details, and any available packages or bundles are described on each product's individual listing page.

4.3. All prices are listed in United States Dollars (USD) unless otherwise indicated. Applicable taxes, including sales tax, VAT, and GST, are calculated and collected by Stripe and/or Skipthink as required by law in your jurisdiction.

4.4. You acknowledge that Stripe, as our payment processor, is the entity responsible for processing your payment and issuing receipts. Your payment card information is collected and processed entirely by Stripe and is never transmitted to or stored on our servers.

4.5. We reserve the right to change prices at any time. Price changes will not affect orders that have already been completed.

5. REFUND POLICY

5.1. Due to the digital nature of our products, refund eligibility depends on the purchase price and the circumstances of your request. In summary:

5.2. The complete terms governing refunds, including the refund request process, review procedures, timelines, and special circumstances (such as technical failures and duplicate purchases), are set forth in our standalone Refund Policy, which is incorporated into these Terms by reference. In the event of any conflict between this summary and the Refund Policy, the Refund Policy shall control.

5.3. To request a refund, contact us at info@skipthink.com within the applicable refund window.

6. LICENSE GRANT AND USAGE RIGHTS

6.1. Individual / Personal Use License

Subject to these Terms and upon completed payment, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to:

6.2. Business-to-Business (B2B) License

If you purchase, access, download, or use products on behalf of or for use by a business entity:

6.3. The license granted in this Section is conditioned on your compliance with these Terms. We reserve the right to revoke the license if you violate any provision of these Terms.

7. INTELLECTUAL PROPERTY

7.1. Ownership: Skipthink LLC retains all right, title, and interest in and to the Services and all content generated through the Services, including but not limited to all text, data, analyses, reports, tools, templates, graphics, software, algorithms, models, methodologies, and other materials (collectively, "Content"). This includes all intellectual property rights therein, whether registered or unregistered, including copyrights, trademarks, trade secrets, and patent rights.

7.2. Copyright in Reports and Deliverables: All reports, analyses, and other deliverables generated through the Services are original works of authorship owned by Skipthink LLC and protected by copyright law. Each report and its constituent content — including text, data compilations, analyses, recommendations, charts, tables, and other elements — constitutes copyrighted property of Skipthink LLC, regardless of whether the content was generated in whole or in part by artificial intelligence. The selection, coordination, and arrangement of content within each report is independently copyrightable. Unauthorized reproduction, distribution, or creation of derivative works from any report or deliverable is strictly prohibited and may subject the infringer to civil and criminal penalties under applicable copyright laws.

7.3. No Transfer of Ownership: Your purchase of a product grants you a license to use that product as described in Section 6. It does not transfer any ownership rights in the Content to you.

7.4. Trademarks: The Skipthink name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Skipthink LLC or its affiliates. These marks may be registered with governmental entities, which registrations may grant us additional rights under applicable law. You may not use such marks without our prior written permission. All other names, logos, product and service names, designs, and slogans on our Services are the trademarks of their respective owners.

7.5. Feedback: If you provide feedback, suggestions, or ideas regarding our Services ("Feedback"), you grant us a perpetual, irrevocable, worldwide, royalty-free license to use, modify, and incorporate such Feedback into our Services without obligation to you.

8. PROHIBITED USES

8.1. You agree NOT to use our Services or any Content obtained through our Services to:

8.2. We reserve the right to investigate and take appropriate legal action against anyone who violates these prohibitions, including terminating the offender's access to the Services and pursuing civil or criminal remedies.

9. DISCLAIMER OF WARRANTIES

9.1. THE SERVICES AND ALL CONTENT ARE PROVIDED ON AN "AS-IS" AND "AS-AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

9.2. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, SKIPTHINK LLC EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO:

9.3. WITHOUT LIMITING THE FOREGOING, WE DO NOT WARRANT THAT AI-GENERATED CONTENT WILL BE ACCURATE, COMPLETE, CURRENT, OR FREE FROM ERRORS. AI-GENERATED CONTENT MAY CONTAIN FACTUAL INACCURACIES, OUTDATED INFORMATION, OR BIASES INHERENT IN THE AI SYSTEMS USED TO GENERATE IT.

9.4. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED FROM SKIPTHINK OR THROUGH THE SERVICES SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.

9.5. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES. IN SUCH JURISDICTIONS, THE ABOVE EXCLUSIONS APPLY TO THE FULLEST EXTENT PERMITTED BY LAW.

10. LIMITATION OF LIABILITY

10.1. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL SKIPTHINK LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, MEMBERS, AFFILIATES, SUCCESSORS, OR ASSIGNS BE LIABLE FOR ANY:

REGARDLESS OF THE CAUSE OF ACTION OR THE THEORY OF LIABILITY, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE, EVEN IF SKIPTHINK HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

10.2. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE TOTAL AGGREGATE LIABILITY OF SKIPTHINK LLC FOR ALL CLAIMS ARISING FROM OR RELATED TO THESE TERMS OR THE SERVICES SHALL NOT EXCEED THE GREATER OF:

10.3. THE LIMITATIONS SET FORTH IN THIS SECTION SHALL APPLY REGARDLESS OF WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER BASIS, AND EVEN IF A LIMITED REMEDY SET FORTH IN THESE TERMS IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE.

10.4. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. IN SUCH JURISDICTIONS, OUR LIABILITY SHALL BE LIMITED TO THE FULLEST EXTENT PERMITTED BY LAW.

11. INDEMNIFICATION

11.1. You agree to indemnify, defend, and hold harmless Skipthink LLC, its officers, directors, employees, members, agents, affiliates, successors, and assigns from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including reasonable attorneys' fees and other costs and expenses of litigation or dispute resolution) arising from or related to:

11.2. We reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you agree to cooperate with us in asserting any available defenses.

12. TERMINATION

12.1. Termination by You: You may stop using the Services at any time. If you wish to delete your account, contact us at info@skipthink.com.

12.2. Termination by Us: We may suspend or terminate your access to the Services at any time, with or without cause, with or without notice, including but not limited to if we reasonably believe that you have violated these Terms.

12.3. Effect of Termination: Upon termination:

12.4. Termination does not affect any rights or obligations that accrued prior to the termination date, including the obligation to pay for products already purchased.

13. GOVERNING LAW

13.1. These Terms and any disputes arising from or related to these Terms or the Services shall be governed by and construed in accordance with the laws of the State of Wyoming, United States of America, without regard to its conflict of law provisions.

13.2. The United Nations Convention on Contracts for the International Sale of Goods (CISG) does not apply to these Terms.

14. MANDATORY ARBITRATION

14.1. Agreement to Arbitrate: You and Skipthink LLC agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Services, or your relationship with Skipthink (collectively, "Disputes") shall be resolved exclusively through final and binding arbitration, rather than in court, except as set forth in Section 14.6 below.

14.2. Arbitration Rules: The arbitration shall be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules (or Commercial Arbitration Rules, if applicable) then in effect. The AAA Rules are available at www.adr.org.

14.3. Location: The arbitration shall be conducted in Cheyenne, Wyoming, or, at your election, via telephone, video conference, or online, to the extent permitted by the AAA Rules.

14.4. Arbitrator Authority: The arbitrator shall have exclusive authority to resolve all Disputes, including any claim that all or any part of these Terms is void or voidable. The arbitrator shall be empowered to grant whatever relief would be available in a court of competent jurisdiction. The arbitrator's award shall be final and binding, and judgment on the award may be entered in any court of competent jurisdiction. To the extent permitted by applicable law, the arbitrator's decision shall not be subject to appeal.

14.5. Costs: Each party shall bear its own costs, attorneys' fees, and expenses in the arbitration. If the arbitrator finds that either the substance of your claim or the relief sought is frivolous or brought for an improper purpose, then the allocation of costs and fees shall be governed by the AAA Rules.

14.6. Exceptions: Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of intellectual property rights.

14.7. Opt-Out: You may opt out of this arbitration provision by sending written notice to info@skipthink.com within 30 days of your first purchase from Skipthink, clearly stating your intent to opt out of arbitration. If you opt out, disputes will be resolved in the state or federal courts located in Wyoming.

15. CLASS ACTION WAIVER

15.1. YOU AND SKIPTHINK LLC AGREE THAT EACH MAY BRING DISPUTES AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION.

15.2. Unless both you and Skipthink agree otherwise in writing, the arbitrator may not consolidate more than one person's claims and may not preside over any form of class, collective, or representative proceeding.

15.3. If this class action waiver is found to be unenforceable, then the entirety of the arbitration provision in Section 14 shall be null and void, and the dispute shall be resolved in the state or federal courts having appropriate subject matter jurisdiction located in Wyoming. You consent to the personal jurisdiction of such courts and waive any objections to venue in such courts.

16. GENERAL PROVISIONS

16.1. Entire Agreement: These Terms, together with our Privacy Policy, AI-Generated Content Disclosure, Cookie Policy, and Refund Policy (each incorporated herein by reference as part of the "Terms"), constitute the entire agreement between you and Skipthink LLC regarding the Services and supersede all prior agreements, representations, and understandings.

16.2. Severability: If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction or an arbitrator, that provision shall be enforced to the maximum extent permissible, and the remaining provisions shall remain in full force and effect.

16.3. Waiver: Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. Any waiver must be in writing and signed by an authorized representative of Skipthink LLC.

16.4. Assignment: You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations under these Terms without restriction.

16.5. Force Majeure: Skipthink LLC shall not be liable for any failure or delay in performing its obligations under these Terms due to causes beyond its reasonable control, including but not limited to natural disasters, war, terrorism, labor disputes, government actions, internet or infrastructure failures, or pandemic.

16.6. Notices: All notices to Skipthink LLC must be sent to info@skipthink.com. Except as specified otherwise in these Terms, notices to you will be sent to the email address associated with your account. Notice shall be deemed given upon receipt for email communications.

16.7. Headings: The section headings in these Terms are for convenience only and have no legal or contractual effect.

16.8. Electronic Communications: By using the Services, you consent to receiving electronic communications from us. You agree that all agreements, notices, disclosures, and other communications that we provide electronically satisfy any legal requirement that such communications be in writing.

17. CONTACT INFORMATION

If you have any questions about these Terms of Service, please contact us at:

Skipthink LLC
d/b/a Skipthink.AI
1910 Thomes Avenue
Cheyenne, WY 82001
Email: info@skipthink.com