General Terms and Conditions (GTC) – skillion.hu

(Hereinafter referred to as Skillion Kft. or Service Provider.)

• •User: any natural or legal person – including students, teachers, corporate clients, and individual users – who visits the Website or the Mobile Application, registers there, uses the services, or enters into a subscription through the Platform. For the purposes of these GTC, User includes the Subscriber (who enters into a contract for a subscription package). A User qualifying as a Consumer is one who acts outside their profession, independent occupation, or business activity (pursuant to Section 8:1 (1) point 3 of the Civil Code).
• •Website: the internet interface and its subpages available under the skillion.hu domain operated by the Service Provider.
• •Mobile Application: The Skillion mobile application available on iOS and Android platforms, which can be downloaded from the Apple App Store and Google Play Store.
• •Platform: The Website and the Mobile Application collectively.
• •Service: the sum of all services and functions provided by the Service Provider on the Platform, including: (i) the AI-based learning platform with its related functions and subscription packages, and (ii) the functions of the Mobile Application.
• •Subscription Package: a service package related to the Service Provider's AI-based learning platform, providing the User with access to the platform's premium features for a specified period (e.g., document upload and analysis, quiz creation, flashcard creation, note-taking, learning plan tools, podcast feature, etc.). The duration of subscription packages (Normal and Pro) can be monthly (1 month) or annual (12 months), depending on the User's choice. Each package includes a monthly credit limit (Normal: 2,000 credits, Pro: 10,000 credits), from which the use of AI features is deducted. Under the subscription, the User may use the features and credit limit belonging to the package during the cycle period.
• •Top-up (Additional quota): an optional, one-time payment service with which the User can increase their available credit limit or document page limit for the current subscription period. The extra quota obtained by purchasing a Top-up is valid only until the end of the current monthly cycle (until the monthly reset) and is lost or reset thereafter.

3.1. Purpose of the GTC: These General Terms and Conditions contain the conditions for using the Website, the Mobile Application, and the Services provided therein, as well as the terms of contracts (especially subscription contracts) concluded through the Platform. The provisions of these GTC apply to every User who uses the Platform or enters into a contract with the Service Provider through the Platform.

3.2. Personal and Temporal Scope: The GTC cover all legal transactions created between the Service Provider and the User during the use of the Platform. These GTC are effective from October 22, 2025, and remain in force until withdrawal or modification. The Service Provider is entitled to unilaterally modify the provisions of the GTC. Any modifications will be published on the Platform, and the modified provisions shall apply from the date of publication. It is the User's responsibility to monitor the current content of the GTC. If the User continues to use the Service or enters into a new contract after the modification takes effect, this shall constitute acceptance of the modification.

3.3. Acceptance of the GTC: By using the Platform, or by checking a separate checkbox during registration or purchase/subscription, the User declares that they have read and accepted these GTC. Without accepting the GTC, the services of the Platform cannot be used. Accepting the GTC in this manner constitutes implicit conduct, which results in the conclusion of a contract between the User and the Service Provider based on Section 6:4 (2) of the Civil Code.

3.4. Territorial Scope: Based on these GTC, the language of the contract is Hungarian, and the legal relationship between the parties – in the absence of an agreement to the contrary – is governed by Hungarian law. The Service Provider primarily provides its services directed at the territory of Hungary, but the Platform is available online from anywhere. In the case of foreign users, the provisions of these GTC and the relevant Hungarian and European Union laws shall apply.

3.5. The Hungarian version of the GTC is authoritative. The Platform makes the GTC available in several languages for informational purposes; in case of discrepancy, the Hungarian text shall prevail.

4.1. General Introduction: skillion.hu is an online educational and learning support platform operated by the Service Provider (Skillion Kft.). The platform consists of two main parts: (a) an AI-based learning assistant that supports Users' learning and knowledge assessment through features built on artificial intelligence; and (b) a Mobile Application, which is the version of the AI-based learning tools available on mobile platforms (iOS and Android), providing in-app purchase options through the RevenueCat infrastructure.

4.2. AI-based Learning Platform: The Platform's AI (artificial intelligence) module is a learning support system offering various functions for Users. These functions can be used individually or together in a modular way, aiming to assist the User's learning process in a personalized manner. The main functions of the AI platform include: document upload and processing, quiz creation, flashcard creation, note-taking, learning plan, podcast, visualization, presentation, and mind map.

4.3. Continuous Development: The Service Provider reserves the right to continuously develop, modify, or, if necessary, terminate the scope and functionality of the Platform and the services available on it. The availability of listed functions may change, new functions may be introduced, or existing ones phased out. The Service Provider endeavors to inform Users in advance of significant changes (e.g., via newsletter or information published on the Platform), but minor modifications and developments may occur without prior notice. The terms of using the services – including fees or restrictions – are set out in these GTC and any separate information materials.

4.4. Mobile Application: The Mobile Application can be downloaded from the Apple App Store (iOS) and the Google Play Store (Android). Subscriptions and purchases through the Mobile Application are carried out via the RevenueCat infrastructure using Apple and Google payment systems.

4.5. AI Transparency Statement (EU AI Act 2024/1689 Art. 4 and Art. 50, and Act LXXV of 2025):

• •The Platform uses artificial intelligence (AI) to generate content. AI systems produce content based on documents uploaded by the user, utilizing machine learning models (including large language models, LLMs).
• •AI-generated content (quizzes, flashcards, notes, visualizations, presentations, mind maps, podcasts, etc.) is created as the output of machine learning models and is marked as such.
• •AI is a supplementary learning tool that does not replace professional evaluation, instructor review, or original source materials.
• •AI outputs may contain inaccuracies, deficiencies, or outdated information. It is the User's responsibility to verify and critically evaluate AI-generated content.

5.1. Necessity of Registration: Certain parts of the Platform can be browsed freely without registration (e.g., public information, GTC, etc.). However, to use the AI-based services, the User must register and create a personal user account on the Platform. Registration facilitates the management of subscriptions and ensures access to services.

5.2. Registration process: Users can create an account on the "Registration" interface of the Platform. To register, the User is required to provide real and their own data. Mandatory data: full name (for individuals), email address, and a chosen password. Optionally or as needed later, the system may request additional data (e.g., billing address, phone number), especially during purchase or subscription when these are necessary for billing. By clicking the "Registration" button and accepting the GTC, the User declares that the provided data is correct. The Service Provider will send a confirmation email to the provided email address upon successful registration. Registration is also possible via: Google account login (OAuth), Microsoft account login (OAuth), Apple account login (OAuth).

5.3. Age and legal capacity: Natural persons over the age of 18 with full legal capacity, or persons authorized to represent legal entities, are entitled to register and use the Platform's services. Minors (natural persons under 18) may only use the service with the consent of their legal representative (parent/guardian). For persons under 16, the explicit consent of the legal representative is required for registration and the processing of personal data. The Service Provider is not obliged to verify the existence of consent in every case, but if it becomes aware that a User under 16 has registered without parental consent, it is entitled to suspend or delete the account.

5.4. Account security: The User is responsible for keeping their account and login credentials (username/email and password) confidential. The User is responsible for all activities that occur through their account. If the User becomes aware of, or has reasonable grounds to suspect, that an unauthorized person has accessed their account (e.g., password compromised, account hacked), they must immediately notify the Service Provider's customer service. The Service Provider is not liable for damages or abuses resulting from the User's failure to adequately secure the account (e.g., using a weak password, sharing the password with others) or failure to report suspicious activity in a timely manner.

5.5. Multiple accounts and transfer: A natural person or organization may generally create only one user account. The User account and associated rights (e.g., subscription) are tied exclusively to the registering person/entity; the User may not transfer them to a third party or allow others to use them without the prior permission of the Service Provider.

5.6. Updating profile data: The User agrees to update or correct their registration and profile data as necessary whenever changes occur. This is particularly true for billing data: it is the User's responsibility to provide a current, real billing name and address for purchases, as the Service Provider issues the invoice based on this data, and subsequent modifications are limited. The Service Provider is entitled to delete or deactivate registrations created with obviously false or incomplete data without prior warning.

5.7. Rejection of registration: The Service Provider reserves the right to refuse registration or delete/suspend an existing user account in justified cases (this may include, but is not limited to, if the User's identity cannot be identified or is false based on the data provided, if the User has previously seriously violated the GTC, or if they attempt to register in a manner incompatible with the nature of the service). Where possible, the Service Provider will send a notification of the rejection or deletion to the affected email address, but reserves the right to act without notice if circumstances justify it.

5.8. Registration is available on both the Website and the Mobile Application.

6.1. The Service Provider offers two subscription plans for using the AI Educational Tools: Normal and Pro. Both plans are available in monthly (1 month) and annual (12 months) periods. The plans include a monthly credit limit: Normal plan 2,000 credits and 750 document pages, Pro plan 10,000 credits and 2,500 document pages. The estimated credit cost of each function is displayed on the interface before generation.

Current prices for subscription plans, functional limits for each plan, and fees for Top-Up services are available at all times on the Platform's price list (skillion.hu/pricing). Prices shown on the price list are net prices; VAT is charged by the payment provider (Polar.sh / Apple / Google) during the checkout process, if applicable. The Service Provider reserves the right to unilaterally modify prices; price changes do not affect already paid subscription periods, and the Service Provider will notify affected Users by email at least 15 days before the change takes effect. Following notification, the User is entitled to cancel their subscription before the change takes effect without adverse legal consequences.

6.2. The subscription automatically renews at the end of the chosen period (monthly or annual) until the User cancels it.

6.3. Automatic payment for web subscriptions is handled by Polar.sh via recurring credit card charges. For mobile subscriptions, the Apple App Store or Google Play handles payment through their own systems. The Service Provider does not store the User's credit card data.

6.4. Cancellation: The User may cancel their subscription at any time. Upon cancellation, the subscription remains active until the end of the current period. Cancellation of a web subscription is possible through the Platform; cancellation of a mobile subscription is done through the device's subscription manager (App Store / Google Play).

6.5. Top-Up (one-time limit expansion): The User may purchase a credit expansion or document page expansion (Top-Up) for their subscription for a one-time fee. The types, quantities, and fees for Top-Up services can be viewed on the Platform's price list. The additional amount provided by the Top-Up is valid only until the end of the current monthly cycle. The Top-Up fee is non-refundable, even if the User does not use the full amount.

6.6. In the event of credit exhaustion, credit-cost functions cannot be used until the end of the current cycle unless the User purchases a Top-Up credit expansion. The document page limit is handled separately and can be expanded separately.

6.7. Free trial period: The Service Provider provides a 3-day free trial period for the Pro monthly plan. At the end of the trial period, the subscription automatically converts to a paid Pro monthly subscription unless the User cancels it during the trial period. The payment provider (Polar.sh) will notify the User by email of the automatic transition before the trial period expires, according to its own terms. Additionally, the Service Provider informs the User at the start of the trial period—on the application interface and/or during the registration process—about the date of the automatic transition, the fee to be paid, and the possibility of cancellation.

6.8. Mobile subscription: Subscription purchases made through the iOS and Android applications are implemented via the RevenueCat infrastructure. Payment is handled by the Apple App Store or Google Play. Subscription cancellation is done in the device settings through the subscription manager.

6.9. Corporate subscription (Custom offer): The Service Provider offers a custom corporate subscription plan for businesses, institutions, and other organizations (hereinafter: Customer). The corporate subscription can only be requested via the email address marketing@skillion.hu; it cannot be purchased directly through the Platform. The terms of the corporate subscription are recorded by the Service Provider and the Customer in an individual agreement.

6.10. Setup fee: Upon activation of the corporate subscription, the Customer pays a one-time setup fee, the amount of which is the product of the chosen subscription plan fee and the number of users specified in the agreement (plan fee × number of users). The setup fee covers the activation of user accounts and initial configuration.

6.11. Usage-based monthly fee: Following setup, the Service Provider bills the Customer monthly in arrears for the actual platform usage by the Customer's users. The monthly fee is calculated based on the quantity of tokens used, to which a margin (percentage markup) determined by the Service Provider is applied. The token price and the margin rate are determined by the Service Provider; current values can be viewed by the Customer at any time on the administration interface provided by the Service Provider. The Service Provider reserves the right to unilaterally modify the margin; the modification takes effect from the next billing cycle, and the Customer will be notified via the administration interface.

6.12. Spending cap: The Customer is entitled to set a maximum monthly usage limit (spending cap) on the administration interface or in the individual agreement. Upon reaching the spending cap, the Service Provider will suspend or restrict further platform usage by users until the end of the current billing cycle and notify the Customer. The Customer may modify the spending cap at any time; an increase takes effect immediately, while a decrease takes effect from the next billing cycle.

6.13. The Customer is entitled to manage user accounts belonging to the corporate subscription at their own discretion: adding new users, removing existing users, and modifying the functional limits assigned to individual users within the framework set out in the individual agreement.

6.14. Cancellation by the Customer: The Customer may cancel the corporate subscription at any time without justification by emailing marketing@skillion.hu. In the event of cancellation, the subscription remains active until the end of the current billing month; usage incurred up to that point will be invoiced. The setup fee already paid is non-refundable.

6.15. Termination by the Service Provider: The Service Provider is entitled to unilaterally terminate the corporate subscription without justification if it no longer considers the continued provision of the service expedient from a business perspective. The Service Provider will notify the Customer of the termination by email at least 30 days before the termination takes effect. Usage incurred until the termination takes effect will be invoiced; the Service Provider will provide the service under the agreed terms until the end of the notice period.

6.16. Reactivation: If the Customer wishes to reactivate the corporate subscription—whether after their own cancellation or termination by the Service Provider—the Service Provider is entitled to charge the setup fee again. The terms of reactivation shall be recorded by the parties in a new individual agreement.

6.17. Custom structures: The Service Provider reserves the right to make a custom offer to the Customer that differs from the general corporate subscription model described in points 6.9–6.16. The custom offer may differ particularly—but not exclusively—in the method of calculating the setup fee, its amount, the structure of the monthly fee (including token pricing and the application of a margin), the frequency of billing, and payment terms. The terms of the custom offer are always contained in an individual agreement between the Service Provider and the Customer; the provisions of such an agreement shall prevail over points 6.9–6.16 with respect to the given legal relationship.

6.18. Other terms of the corporate subscription and custom structures—including, in particular, data processing obligations and confidentiality provisions—are governed by the individual agreement. In matters not regulated in the individual agreement, the provisions of these GTC shall apply accordingly.

7.1. The Service Provider provides the following payment methods:

• •Online credit card payment (Polar.sh): For web purchases and subscriptions, payment is made through the Polar.sh platform. Polar.sh acts as a Merchant of Record (MoR) provider using Stripe's payment infrastructure. Accepted card types: Visa, MasterCard, American Express, and other cards supported by Stripe. Credit card data is entered on the Polar.sh/Stripe secure payment interface; the Service Provider does not receive or store card data.
• •Mobile payment (App Store / Google Play): Purchases and subscriptions made through the Mobile Application are implemented through the Apple App Store (iOS) or Google Play (Android) payment systems, using RevenueCat infrastructure. The payment transaction is handled by Apple or Google according to their own terms.
• •Bank Transfer: In exceptional cases, payment via bank transfer is also possible, based on prior agreement with the Service Provider.

7.2. Service fees are displayed in Hungarian Forint (HUF), Euro (EUR), or US Dollars (USD), depending on the User's language settings. The applicable currency is settled at the exchange rate applied by the payment service provider at the time of payment.

7.3. In the event of a failed payment, the payment service provider (Polar.sh, Apple, or Google) will notify the User and handle retries according to its own terms. In the case of repeatedly failed payments, the subscription may be suspended or terminated.

7.4. Billing: For web purchases and subscriptions, Polar.sh, as the Merchant of Record, handles billing and VAT settlement. For mobile purchases, Apple or Google issues the receipt through their own channels.

7.5. Data Transfer Declaration: To process payment transactions, the Service Provider transfers the User's email address to Polar.sh. All other payment and billing data (name, billing address, card details, transaction amount) are handled directly by Polar.sh / Stripe on their own payment interface. By using the Service, the User consents to the transfer of their email address. In the case of mobile purchases, Apple and Google handle payment data according to their own privacy policies.

7.6. The service fees shown are net prices; applicable taxes (VAT) are charged by the payment service provider (Polar.sh, Apple, Google) during checkout. For App Store and Google Play purchases, Apple and Google may charge their own commissions and fees.

8.1. Right of withdrawal for digital services: Services offered on the Platform qualify as digital services provided on a non-tangible medium. Under applicable laws (Government Decree 45/2014 (II.26.) Sections 20 and 29), Users qualifying as consumers are entitled to a 14-calendar-day right of withdrawal without justification from the conclusion of the distance contract. However, if the subject of the contract is the provision of a digital service and performance begins with the consumer's prior express consent before the 14-day deadline, and the consumer acknowledges that they lose their right of withdrawal upon the start of performance, then the right of withdrawal cannot be exercised. During the subscription process, the Service Provider requests the consumer's express consent to begin performance and an acknowledgment of the loss of the right of withdrawal by requiring them to check the relevant checkbox, providing immediate access to the service upon activation of the subscription. Accordingly:

• •In the case of subscription services: due to the nature of the service, the User receives access to subscription content and features immediately after concluding the contract (performance begins immediately). The consumer User may expressly request and consent to the Service Provider providing the service before the waiting period during the order process, thereby acknowledging that they lose their 14-day right of withdrawal. If the User does not begin using the service and does not request its commencement for 14 days from the conclusion of the contract, they may withdraw from the contract during this period. In practice, however, this means that the User does not log in and does not use the subscription features during the 14 days – in the absence of which the Service Provider may assume that performance has not begun. As a legal consequence of withdrawal, the Service Provider shall refund the subscription fee to the User.

8.2. Method of exercising the right of withdrawal: The consumer User is entitled to communicate their intent to withdraw to the Service Provider in writing (e.g., via email) within the withdrawal period. The User may also use the model withdrawal form in Annex 2 of Government Decree 45/2014 (II. 26.), but this is not mandatory; any clear statement indicating the intent to withdraw from the contract will suffice. The withdrawal deadline is considered met if the User sends their statement of withdrawal before the 14-day period expires. The Service Provider's email address for communicating withdrawal: support@skillion.hu, info@skillion.hu. The Service Provider will confirm receipt of the withdrawal statement via email.

8.3. Consequences of withdrawal: In the event of a valid withdrawal, the Service Provider is obliged to refund the consideration (fee) received from the consumer no later than 14 days from becoming aware of the withdrawal. The refund will be made using the same payment method as the original (unless the consumer requests otherwise and it does not incur additional costs). Important: if the consumer has begun using the digital content or the digital service after concluding the contract (e.g., logged in, used AI features, generated content), then – as stated above – they lose their right of withdrawal, so the withdrawal remains without legal effect, and the Service Provider is not obliged to refund the fee. The Service Provider reserves the right to check its system for logins or content access during the period in question. If partial performance has occurred (e.g., the consumer used the service only partially within the 14 days and then withdraws), the Service Provider may claim a proportional fee for the service already provided and will only refund the remaining amount.

8.4. Termination of subscription by the consumer: Points 8.1-8.3 regulate the right of withdrawal (termination) without justification within 14 days of concluding the contract. Beyond this, the consumer User is entitled to terminate the subscription contract even before the expiration of the fixed term; however, in such cases – if the termination is not due to a breach of contract by the Service Provider or a reason provided by law – the Service Provider is not obliged to refund the already paid fee proportionally (since performance began at the consumer's express request, termination after 14 days is essentially an early closure of the contract at the User's initiative). Naturally, the User may choose to use the current subscription cycle until it ends and not renew it (see point 6.4 – cancellation), which is the simplest way to terminate further obligations. If the User still wishes to terminate the contract during the active subscription period and requests a proportional refund of the fee, the Service Provider may decide to grant this based on individual equity but is not obliged to do so.

8.5. Right of withdrawal not applicable to business users: In the case of a non-consumer (i.e., a business or a person acting for professional purposes), the User is not entitled to the right of withdrawal without justification. A Business User may terminate their subscription according to the contract and the provisions of these GTC (e.g., by not renewing for the next cycle), but they cannot unilaterally terminate a concluded contract under performance without justification and without consequences.

8.6. Handling of refunds: Refunds for web purchases and subscriptions are handled by Polar.sh, as the Merchant of Record, according to its own refund policy. Refunds for subscriptions purchased through the Mobile Application are handled by Apple or Google according to their own refund policies. The Service Provider does not handle refunds directly; the User may initiate a refund through the customer service of the relevant payment service provider.

9.1. Proper use of the service: The User is obliged to use the Website and the services provided thereon exclusively within the framework defined in these GTC and the law, and for their intended purpose. It is prohibited to use the service for any abusive, unlawful purpose or any purpose that violates the legitimate interests of the Service Provider. In particular, the User shall not commit acts similar to the following: disrupting or hacking the IT security of the system; unauthorized access to other users' accounts or data; overloading servers or the network (e.g., denial-of-service attack); reverse engineering elements of the service or analyzing source code; sending spam using the system; publishing offensive or unlawful content. These activities qualify as a serious breach of contract, which may result in immediate termination of the account and access, as well as civil and criminal consequences.

9.2. Uploading prohibited content: The User is solely responsible for all content uploaded or entered into the system within the framework of the Service. During the use of the Service, it is prohibited to upload, share, or store materials in the system that: - violate the copyrights or other intellectual property rights of third parties (e.g., unauthorized copies of copyrighted books, articles, or educational materials); - violate the personal rights or privacy of others, or unlawfully contain personal data; - conflict with any law or support illegal activities (e.g., defamatory, libelous content; hateful, discriminatory content; material inciting violence; material referring to acts of terrorism; child pornography or other obscene content); - contain dangerous or harmful code (viruses, Trojans, malware) or are in any way capable of damaging the system or other users' devices; - otherwise conflict with good morals or are contrary to the community standards prescribed by the Service Provider (e.g., extremely profane, pornographic, or politically inflammatory content, harassing messages). The Service Provider applies a zero-tolerance principle toward content that violates or endangers the fundamental rights of other users or any group of persons (in particular: hate speech, harassment, child abuse, etc.).

9.3. Copyright responsibility and user content: The User represents and warrants that they possess the necessary authorizations, permissions, or rights for all documents, content, or data uploaded by them to use them within the Service. The User is solely responsible for ensuring that the content they enter into the system does not violate the copyrights or other rights of third parties. The Service Provider is not obliged to pre-screen or monitor content uploaded by users. However, if the Service Provider becomes aware that any user content is infringing (whether it violates copyright or is illegal), it is entitled to remove it immediately or block access, taking into account the provisions of applicable laws. The Service Provider will notify the affected User of such measures – if possible – unless prohibited by law or if the information would hinder official proceedings.

9.4. Privacy responsibility for uploaded data: If the User uploads documents containing personal data to the system (e.g., notes or audio material containing the name(s) or personal information of other person(s)), the User shall be considered the data controller in this context regarding those data. In such cases, the User must ensure they have an appropriate legal basis for processing these personal data (e.g., data subject consent, if necessary) and is obliged to inform the data subject(s) that their personal data are being uploaded to the system and processed by the AI. The Service Provider processes the uploaded materials automatically at the User's instruction but assumes no responsibility for the legality of the personal data entered into the system by the User. The User must refrain from uploading special categories of personal data (e.g., health data) or confidential, secret information to the system, unless absolutely necessary and the conditions for legality are met.

9.5. User-generated content (AI output): While using the Service, the User may create various derivative contents with the help of the system (e.g., AI-generated quiz questions, flashcards, notes, summaries, visualizations, presentations, mind maps, podcasts, chat, etc.). These contents may be based partly on source materials uploaded by the User and partly on public data sources. The User acknowledges that the quality, accuracy, and completeness of these generated contents are not guaranteed – the AI produces them from available information based on estimation and a language model; therefore, they may contain incorrect or misleading elements. Copyright ownership over generated content may be mixed: if the User's original source material qualifies as a copyrighted work and recognizable parts of it are included in the generated content, it may still be part of the original rights holder's work. However, the User may freely use the materials created by the AI for their own learning purposes. At the same time, the User is responsible for not making the generated content public in a way that would violate the rights of a third party. The Service Provider does not claim rights over AI-generated content; the User may handle such content at their own discretion, but the Service Provider may store it temporarily to operate the service or use it anonymously for internal development purposes (e.g., to improve system accuracy).

9.6. License for uploaded content: Regarding any content uploaded by the User to the Service (e.g., document, note, audio material, image, etc.), the User, upon uploading, grants the Service Provider a license to the extent necessary to reproduce, store, process, and make these contents accessible to AI algorithms for the purpose of providing the service. This license is non-exclusive, valid for the duration of the contractual relationship (or until the content is deleted), and extends geographically to the extent necessary for the technical operation of the service (location of cloud infrastructure). The Service Provider does not use user content for commercial purposes, does not sell it, does not display it publicly, and does not transfer it to third parties, except for its data processors who assist in the technical operation of the service (e.g., hosting provider, AI model operator, if any). The User may delete their own content from the system at any time (if the interface provides this option or by requesting it from customer service), and the Service Provider will comply with the deletion request within a reasonable time. After deletion, the license also terminates, except for data remaining in potential backups or log files, which the Service Provider handles according to its own privacy policy and deletes after the necessary time has elapsed.

9.7. User cooperation: The User is obliged to cooperate with the Service Provider during the use of the service. This includes, for example, the User reporting any problems to the Service Provider; providing information if asked in case of suspected copyright or other infringement; or following the guidelines published by the Service Provider regarding the use of the service (e.g., official documentation, FAQ). The User may be held responsible for damages resulting from a lack of cooperation.

9.8. Content reporting (DSA 2022/2065): If the User encounters infringing content on the Platform (e.g., material violating copyright, illegal content, content violating the rights of another user), they may report it at the support@skillion.hu email address. The Service Provider will investigate the report and take action if necessary (removal of content, warning or exclusion of the user). In the event of content removal, the Service Provider will inform the affected User of the reason for removal and the available legal remedies.

10.1. General obligations of the Provider: The Provider is obliged to provide the services undertaken in the contract according to the conditions set out in these GTC. It strives for the secure, continuous operation of the site, the fulfillment of orders, and the correction of arising errors within a reasonable time. At the same time, due to the nature of the service (online information society service, AI technology), the Provider does not provide a contractual guarantee or warranty for certain things, which are explicitly detailed below.

10.2. Limitation of Liability – Quality of Service: The Provider develops and operates the system to the best of its knowledge but does not guarantee that the service (including AI-generated content) is flawless, accurate, reliable, or fully meets expectations in every respect. The User acknowledges that outputs provided by the AI (quiz questions, answers, notes, summaries, visualizations, presentations, mind maps, podcasts, etc.) may contain incorrect information, deficiencies, or irrelevant elements. The User uses these functions at their own risk and is independently responsible for verifying the accuracy of critical information. The Provider excludes all liability if the User makes decisions or acts based on AI-generated content, resulting in damage, loss, or any harm. AI functions are supplementary and supportive in learning and do not constitute professional advice or an infallible source of knowledge. Accordingly, the User cannot claim a reasonable expectation that a generated quiz fully covers the curriculum, that a flashcard selection is complete, or that a note is a perfect summary. The Provider strives to continuously improve the accuracy of the system but cannot provide a full guarantee for its content.

10.3. Limitation of Liability – Availability: The Provider does not guarantee that the Website and the service will be available continuously, without interruption 24/7, and that operation will be error-free or without delay at all times. The Provider reserves the right to periodically suspend the service for maintenance or update purposes. It strives to provide prior notice of such scheduled maintenance and to perform it at times that least disturb Users (e.g., during night hours). Nevertheless, unforeseen technical problems (server error, network outage, force majeure event, etc.) may occur, which may cause temporary suspension or quality degradation of the service. The Provider is exempt from liability for such malfunctions or outages occurring for reasons beyond its control. The Provider assumes no responsibility for damages suffered by the User due to unavailability or malfunction (whether it be missed learning opportunities, data loss – except as seen in the point regarding data loss –, or any financial disadvantage). Naturally, if the service is unavailable for a longer period due to the Provider's fault, the Provider may extend the User's subscription proportionally or provide individual compensation based on its own decision, but does not undertake a legal obligation for this in advance.

10.4. Data Protection and Data Security: The Provider takes all measures within its power to ensure the secure storage and handling of user data. Details of this are provided in a separate Privacy Policy. Although the Provider uses modern security solutions, it cannot guarantee 100% protection against all possible cyberattacks or data incidents. The User acknowledges that data transmission and storage over the internet can never be completely risk-free and is also obliged to take appropriate precautions (e.g., strong password, updated virus protection). The Provider excludes its liability for damages resulting from unavoidable attacks (e.g., data leaks committed by hackers), provided that it has taken the measures expected of it to prevent the incident. If a data protection incident occurs, the Provider informs the affected Users and authorities in accordance with the law and takes the necessary steps to mitigate the consequences.

10.5. Data Loss and Liability: The secure preservation of data stored in the system by the User (e.g., uploaded documents, notes, generated content) is important to the Provider, and it performs regular backups of server-side data. Nevertheless, the Provider assumes no responsibility for potential data loss, especially if it occurs due to force majeure, technical error, or deletion initiated by the User. It is the User's responsibility to make their own backups of critical data if they deem it necessary. For example, if the content of a note is vital to the User, it is advisable to export or copy it to their own device. The Provider's system may allow certain export functions, but if not, it is still the User's decision what data they store exclusively in the cloud. The Provider is not responsible for any indirect or consequential damage resulting from a possible data loss (e.g., a failed exam due to a lost study note).

10.6. Exclusion of Liability for Third-Party Services: The Service may contain integrations or links to solutions provided by third parties (e.g., payment provider – Polar.sh (on the web as Merchant of Record – payment, billing, VAT handling), Apple App Store / Google Play (on mobile, via RevenueCat infrastructure), or external links in curriculum descriptions, etc.). The Provider assumes no responsibility for the services provided by these external providers, their availability, or their error-free operation. For example, the payment transaction is conducted through the Polar.sh platform – if an error occurs in the Polar.sh system or it is temporarily unavailable, the Provider has no direct influence over this and cannot be held responsible for payment delays. Similarly, it is not responsible for any technical errors in the Apple App Store and Google Play systems. Nevertheless, the Provider does its best to cooperate with these partners to ensure smooth administration.

10.7. Indirect Damages and Limitation of Liability: To the fullest extent permitted by applicable law, the Provider excludes all liability for indirect or consequential damages, including but not limited to: lost profit or revenue, loss of business reputation, loss of data, loss of opportunity resulting from service downtime, or any other non-direct damage arising from the use or inability to use the service. In the case of Consumer Users, this provision shall not be interpreted as the Provider excluding or limiting rights and warranties mandatory by law; this point rather establishes the limitation of liability for non-consumer (business) claimants. In the case of a Consumer, the Provider under no circumstances excludes or limits its liability for damages for which it cannot do so by law (e.g., damages to life, physical integrity, or damages caused intentionally or by gross negligence). At the same time, the Provider explicitly draws the User's attention to the fact that, due to the nature of the service, any financial losses suffered by the User (e.g., if a student studies relying on a generated quiz and consequently performs poorly on an exam) cannot be attributed to the Provider, as these cannot be guaranteed even with the intended use of the Service. The Provider's liability for direct damages – if it cannot be legally excluded – is in all cases limited to the amount of service fees actually paid by the User in the 12 months preceding the relevant event (Civil Code Section 6:152).

10.8. Other Rights of the Provider: The Provider is entitled to use its own subcontractors or data processors during the provision of the service (e.g., hosting provider, email provider, payment partner). The Provider is also entitled to modify the business model of the service based on its business decisions (e.g., making previously free functions paid later, introducing new fee plans); however, it is obliged to notify Users of such changes in advance, and in the case of already concluded contracts, the changes can only take effect at the next renewal or new contract conclusion, unless law or an official decision prescribes an earlier application. Furthermore, the Provider reserves the right to refuse or suspend the provision of the service to any User at any time without justification. In extreme cases, this means that the Provider may unilaterally terminate the User's access (e.g., by deleting the account) within its own discretion, even if the User has not directly violated the GTC. Naturally, the Provider exercises this right only exceptionally, in justified cases (e.g., the User's behavior endangers the operation of the system or other users, the Provider closes the service for business policy reasons, etc.). In the event of such unilateral contract termination – provided the User has not committed a breach of contract – the Provider will proportionally refund the fee prepaid by the User for the unused period. If the access was withdrawn due to the User's breach of contract, the Provider cannot be obliged to pay compensation or refund fees, and furthermore reserves the right to claim its damages.

10.9. The above limitation of liability does NOT apply to: (a) intentional or grossly negligent damage caused by the Provider, (b) damage to life, physical integrity, or health, (c) cases where the law prohibits the exclusion or limitation of liability. In a consumer contract, the rights of the consumer guaranteed by law cannot be limited (Civil Code Section 6:152).

10.10. Digital Content Compliance (Government Decree 373/2021 (VI. 30.)): Regarding a defect discovered in the first year for digital content or digital services, it is presumed that the defect already existed at the time of performance, unless this is incompatible with the nature of the digital environment (Provider's burden of proof). The User is entitled to request repair, replacement, price reduction, or – if these are not possible or disproportionately burdensome – withdrawal from the contract. The Provider is obliged to provide the updates necessary to maintain the compliance of the digital content.

11.1. Ownership of the Website and its Contents: The Website (skillion.hu) as a whole, as well as all its individual content elements – including source code, design elements, graphics, logos, text content, descriptions, images, videos, audio materials, databases, as well as the Provider's trademarks and brand name – constitute the intellectual property of the Provider or its contractual partners and are protected under copyright, trademark, and other intellectual property laws. By using the Website and the service, the User does not acquire any ownership or proprietary rights over these. Within the framework of these GTC, the User may only do as much as normal use requires: view the website, read/watch educational materials for their own learning purposes, and use AI functions. Any use beyond this – such as copying, reproducing, distributing, modifying, publicly displaying, or commercializing the content of the website – is prohibited without the Provider's prior written permission.

11.2. Use of the Skillion Name and Logo: The Skillion name, as well as the associated logo and branding elements, are trademarks/distinguishing marks of the Provider. The User may not use these in any way without the Provider's prior permission, except for referencing them during the use of the Service (for example, mentioning the Skillion platform by name in a blog post). However, use of the trademarks by the User in a way that could create the impression that the User or their product/service is in any supportive or partner relationship with the Provider is prohibited, unless authorized by the Provider in writing.

11.3. Related Websites and Links: The User may place a hyperlink to the Skillion Website on their own website or social media pages (e.g., share an article or product page), provided they do so in a fair manner and do not suggest the Provider's support or agreement with the User's site. The Provider reserves the right to request the removal of a link if it does not consider it appropriate (e.g., the link appears in an offensive environment). The Website may also contain links pointing to third-party websites. The Provider assumes no responsibility for their content and data management practices; the links are provided solely for the convenience of Users or for reference purposes. The User may visit these at their own risk.

11.4. Service Software: The software ensuring the operation of the Skillion platform (including the Mobile Application and AI modules) is the property of the Provider or its partners. The User does not receive the software independently, but is only entitled to use it as a service through the web interface or the Mobile Application. The User agrees not to attempt to reverse engineer or modify the software's source code, not to attempt to bypass security measures, and to refrain from any intervention that could violate the integrity of the software. Upon detecting any program error or abnormal operation, the User shall not abuse it but shall notify the Provider for the earliest possible correction.

12.1. Expiration of the Subscription Period: The subscription contract remains in effect until the end of the subscription period; if the User has canceled it and it does not renew, access will cease upon the expiration date and the contract will terminate. In the case of automatic renewal, the contract is considered to be for an indefinite period, which continuously extends by periods until terminated by the User or the Provider.

12.2. Ordinary Termination by the User: The User (if a consumer) is entitled to terminate the indefinite-term subscription contract in writing at any time without justification, with a 30-day notice period. For a period prepaid for a fixed term, they may also request that the contract not be renewed (this can be done by canceling in their account, see point 6.4, or by sending a termination notice via email). For business users, the notice period for an indefinite-term contract is 60 days, without justification. During the notice period, the Provider continues to provide the service, and the User is obliged to pay the fee, proportionally for the notice period as well, unless it was settled in advance. If the User does not wish to use the service within the notice period, it is their decision, but they are not entitled to a fee refund for the period they do not utilize by their own choice (except for the special consumer withdrawal case under point 8). Cancellation of a subscription concluded through the Mobile Application is done through the device's subscription manager (Apple App Store / Google Play settings).

12.3. Ordinary Termination by the Provider: In the case of an indefinite-term contract, the Provider is entitled to terminate the contract in writing (via email) with a 30-day notice period for consumer Users, and also with a 30-day notice period for business Users without justification. In such a case, the Provider will proportionally refund the fees paid in advance for the period beyond the expiration of the notice period to the User. For example, if the Provider terminates a one-year subscription after 6 months, it will refund the remaining 6 months' fee. During the notice period, the Provider still provides the service, unless the parties agree on immediate termination. As a general rule, the Provider does not terminate a fixed-term, non-automatically renewing contract by ordinary termination before expiration, unless it has a compelling business reason (e.g., complete termination of the service). In the latter case, it also refunds the fee for the remaining time.

12.4. Extraordinary Termination by the Provider (due to breach of contract): The Provider is entitled to terminate the contract with immediate effect by extraordinary termination and delete or suspend the User's access if the User seriously or repeatedly violates any essential provision of these GTC. Such a serious breach of contract includes, in particular, but is not limited to:

• •the User acted fraudulently regarding payments (credit card abuse, unjustified initiation of a refund despite performance, etc.);
• •the User unauthorizedly shared their access or content with third parties for business purposes;
• •the User uploaded prohibited content or used the service for unlawful purposes;
• •the User intentionally caused damage to the system or other users;
• •any other conduct that, in the Provider's judgment, is incompatible with the intended use of the service and the relationship of trust between the parties.

In the event of extraordinary termination, the Provider is entitled to immediately delete or block the User's account and refuse further service. In such cases—given that the User caused the termination—the User is not entitled to any refund, and the Provider may even claim compensation for damages caused by the breach of contract. The Provider also reserves the right to initiate legal proceedings if the User's conduct constitutes illegal activity (e.g., compensation for copyright damage, filing a criminal report).

12.5. Account deletion by the User: The User may decide at any time to delete their user account (if such a function is available in the profile settings) or request its deletion from the Provider. Account deletion initiated by the User constitutes termination. The Provider will delete or anonymize the User's personal data within a reasonable time from the request, but no later than 30 days, except for data that must be retained due to legal obligations (e.g., billing data). Please note that account deletion does not automatically result in a refund, even for active subscriptions; the User should first cancel the automatic renewal of the subscription and then delete the account at the end of the already paid period if they no longer wish to use it. If the User requests deletion before the end of the paid period, it shall be considered a waiver of the remaining service; the Provider is not obliged to refund the fee for the remaining period in such cases either. An exception is made if the User simultaneously declares their legal withdrawal from the contract or extraordinary termination for that case, the lawfulness of which will be examined by the Provider.

12.6. Complete termination of the Service: The Provider reserves the right to completely terminate the service provided on the skillion.hu website in the future (e.g., in the event of business closure or profile change). Should this occur, Users with active subscriptions will be notified at least 30 days in advance via email and a notice published on the website. In such cases, the Provider will refund the fees for prepaid but unused periods to Users on a pro-rata basis. In the event of service termination, the Provider will, where possible, inform the User about options for exporting content. Even in the event of complete termination, the Provider ensures the proper handling of Users' data (e.g., deletion or transfer upon request). In the case of such general termination, the User is not entitled to any further compensation beyond the refunded fee.

13.1. Customer Service Contact Details: The User may contact the Provider's customer service with questions, comments, or complaints regarding the service at the following contact details: Email: support@skillion.hu, info@skillion.hu (any problems or complaints can be reported by writing to these email addresses). The Provider currently maintains primarily electronic customer service. The Provider continuously monitors incoming messages on business days and strives to respond to general inquiries within a reasonable time. In the event of a written complaint, the Provider will substantively examine and respond to the complaint within 30 days in accordance with the relevant legislation (Consumer Protection Act). If the complaint is rejected, the Provider will provide a justification. A copy of the response to the complaint will be kept for 3 years in accordance with Section 17/A (7) of Act CLV of 1997 on Consumer Protection (Fgytv.).

13.2. Electronic Complaint Interface: The User may submit their complaint via email or through any login interface on the Website (e.g., contact form). In accordance with the consumer protection provisions effective from July 23, 2025, if the User submits a complaint electronically (e.g., email), the Provider is obliged to acknowledge receipt of the complaint electronically without delay (in practice, this is an automatic or manual response confirming receipt). The Provider fulfills this obligation; if the User does not receive confirmation within 1-2 business days of sending the complaint, it is advisable to try again or choose another channel.

13.3. Content of the Complaint: To ensure a quick investigation of the complaint, we request that the User provide the following data and information during the complaint report: registered name (or order ID), a specific description of the problem or complaint, relevant dates or content (e.g., which curriculum it concerns, which function was being used when the problem occurred), and the User's expected resolution or proposed solution, if any. This data helps the Provider identify and handle the complaint. If the complaint concerns the enforcement of consumer rights (e.g., withdrawal, warranty claim), the User should clearly indicate this. The Provider may request completion of an incomplete complaint if insufficient information is available for a substantive response.

13.4. Warranty and Legal Enforcement: Although special rules of the Civil Code and relevant consumer protection legislation apply to digital services, the Provider informs Users that as consumers, they are also entitled to enforce implied warranty claims if the service was not provided in accordance with the contract. However, given that due to the nature of the service and the limitations of liability, contractual performance is to be interpreted as described above, the Provider evaluates claims arising in practice on an individual basis. For example, if a digital curriculum is inaccessible or defective, the User may request the correction of the error or the provision of access. If the Provider cannot fulfill this within a reasonable period, the consumer may request a price reduction or withdraw from the contract. For subscription services, if the service becomes completely unavailable for a long period due to the Provider's fault, the consumer may terminate the contract and request a pro-rata refund. The User shall primarily seek to settle warranty and other rights through amicable means, in cooperation with the Provider.

13.5. Conciliation Board: If the consumer User's complaint cannot be resolved with the Provider, they are entitled to turn to the conciliation board based on their place of residence or stay. Conciliation boards are independent bodies operating alongside regional chambers of commerce and industry that help in the out-of-court settlement of consumer disputes. Based on the 2023 amendment to Act CLV of 1997 on Consumer Protection (Fgytv.), the decision of the conciliation board is binding on the business up to a value limit of HUF 250,000. Data of the conciliation board competent according to the Provider's registered office:

However, the consumer may—at their choice—also turn to the conciliation board based on their own place of residence. Contact details for conciliation boards nationwide are available on the website of the Consumer Protection Authority or the regional chambers. The Provider is obliged to cooperate in the conciliation board procedure, send a response, and appear at the hearing (unless the consumer turned to a board other than the one competent for the Provider's registered office, in which case the obligation to cooperate is limited to written consultation).

13.6. Consumer Protection Authority: The User may also file a complaint with the consumer protection department of the district office competent for their place of residence, or with the Government Office of the Capital City of Budapest (as a body with national jurisdiction) acting in its capacity as a consumer protection authority, if they believe the Provider has violated legal provisions protecting consumers. The authority may initiate an investigation and make a decision in an administrative procedure, but the authority is not entitled to decide on the merits of a civil law dispute (e.g., ordering a refund)—these fall within the jurisdiction of the conciliation board or the court.

13.7. Judicial Route: The User is entitled to take their legal dispute to court. For consumer Users, the competent court is the one based on their own place of residence (in lawsuits against consumers, the court of the consumer's place of residence is also competent), while for business Users, the parties submit to the exclusive jurisdiction of the Nyíregyháza District Court or the Nyíregyháza Tribunal, depending on jurisdiction. (This latter stipulation does not affect consumer rights; it only applies to legal relationships between companies.) In litigation, Hungarian law shall apply, and the provisions of these GTC shall govern.

14.1. A force majeure event is any circumstance beyond the reasonable control of the Parties that prevents or significantly hinders the fulfillment of contractual obligations, including in particular, but not limited to:

• •Natural disasters (earthquake, flood, fire, etc.)
• •Epidemics, pandemics
• •War, armed conflict, terrorism
• •Strike, work stoppage
• •Government measures, embargo, sanctions
• •Power outage, telecommunications failure
• •Unprecedented cyberattack
• •Outage or limitation of AI services (API) provided by a third party
• •Any other circumstance beyond the reasonable control of the Parties

14.2. Neither Party is responsible for delays or omissions due to force majeure. The Party affected by the force majeure event is obliged to notify the other Party without delay.

14.3. If the force majeure event persists for more than 60 days, either Party is entitled to terminate the contract. In such cases, the Provider will refund the pro-rata subscription fee. The Provider strives to mitigate the effects of the force majeure event and restore the service as soon as possible.

14.4. The Provider is not liable for damages resulting from force majeure events, including but not limited to data loss, service interruption, and loss of profit.

15.1. Governing Law: In the absence of a separate agreement, the legal relationship of the Parties is governed by the laws of Hungary. For matters not regulated in these GTC, the provisions of the Civil Code (Act V of 2013), Act CVIII of 2001 on Electronic Commerce Services, Government Decree 45/2014 (II.26.) on the Detailed Rules of Contracts between Consumers and Businesses, Government Decree 373/2021 (VI.30.) on Digital Service Provision, Act CLV of 1997 on Consumer Protection, the EU General Data Protection Regulation (GDPR, 2016/679), the EU AI Act (2024/1689), Act LXXV of 2025 (Hungarian AI Act), the EU Data Act (2023/2854), and the DSA (2022/2065) shall apply in particular. The provisions of the GTC shall be interpreted and enforced in a manner that does not conflict with relevant mandatory legal regulations; in the event of such a conflict, the legal provision shall replace the affected clause, while the remaining parts remain in force unchanged.

15.2. Copyright of the GTC: The text of these GTC is the intellectual creation of the Provider. Unauthorized copying or publication elsewhere for business purposes is prohibited. The GTC is established between the Provider and the User; third parties may not directly derive rights therefrom.

15.3. Severability: If any point of the GTC is found to be invalid or unenforceable, it shall not affect the validity of the remaining provisions of the GTC. The Parties shall strive in good faith to replace the invalid clause with a valid provision that best meets the original economic purpose.

15.4. Communication: Official communication between the Provider and the User takes place in electronic form (email), via messages sent to the email address provided by the User and to the Provider's support@skillion.hu and info@skillion.hu addresses. The User is obliged to maintain a working and regularly checked email address. The Provider delivers important contractual notices (e.g., fee changes, GTC amendments) to the User via email or by publishing them on the website. Messages sent in this manner shall be considered delivered to the User no later than the 5th day after sending, unless non-delivery is confirmed. The User is entitled to make any statement related to the service via email (including withdrawal, termination, and submission of complaints).

15.5. Entire Agreement Clause: These GTC contain the complete set of conditions for the contract between the Provider and the User regarding the use of the service. Any further information or policies published on the Website (e.g., Privacy Policy, Cookie Policy, FAQ) shall be interpreted in accordance with the GTC; in case of discrepancy, the provisions of these GTC shall prevail. All previous oral or written agreements and negotiations between the Provider and the User shall lose their effect upon the entry into force of the terms written here, unless the parties provide otherwise in writing.

15.6. GTC Modification: The Service Provider is entitled to unilaterally modify these GTC. The Service Provider shall notify Users of the modification via email at least 15 days before the modification takes effect. The notification shall include a summary of the modifications and highlight significant differences. The User is entitled to cancel their subscription (opt-out) before the modified terms take effect if they do not wish to accept the modified terms. The Service Provider may issue modified versions in the future, which will be marked with a date or version number at the beginning of the document. Previous versions will be archived and made available upon request.

Dated: Újfehértó, October 22, 2025 | Skillion Kft. – Service Provider