General Terms and Conditions (GTC) – skillion.hu

(Hereinafter Skillion Ltd. or 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 initiates a purchase through the Platform. For the purposes of these GTC, User includes the Buyer (who purchases digital educational material in the Webshop operating on the Platform) and the Subscriber (who enters into a contract for a subscription package). A User qualifying as a Consumer is one who acts outside their trade, 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 Provider.
• •Mobile Application: Skillion's mobile application available on iOS and Android platforms, downloadable 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 Provider on the Platform, including: (i) the Webshop operating on the Platform where digital educational materials can be purchased, (ii) the AI-based learning platform with its associated functions and subscription packages, and (iii) the functions of the Mobile Application.
• •Educational Material: digital educational content (course, training material, educational video, interactive practice material, etc.) available for purchase in the Webshop, produced or distributed by the Provider, which the User can access online after purchase. (Educational material is considered digital content and is not delivered on physical media.)
• •Subscription Package: a service package related to the Provider's AI-based learning platform, providing the User with access to the platform's premium features for a specified duration (e.g., document upload and analysis, quiz creation, flashcard creation, note-taking, modular learning tools, podcast function, etc.). The duration of subscription packages (Normal and Pro) can be monthly (1 month) or annual (12 months), depending on the User's choice. Within the subscription, the User may use the functions and resource quotas belonging to the package during the cycle period.
• •Top-up (Additional Quota): an optional, one-time fee service with which the User can increase certain usage limits or quotas available in their current subscription period. The extra quota obtained by purchasing a Top-up is valid only until the end of the current monthly cycle (the time of the monthly reset), after which it is lost or reset.

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

3.2. Personal and Temporal Scope: The GTC covers all legal transactions created between the Provider and the User during the use of the Platform. These GTC are effective from October 22, 2025, and remain in force until revoked or modified. The 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 specific checkbox during registration or purchase/subscription, the User declares that they have read and accept these GTC. Without accepting the GTC, the Platform's services cannot be used. Acceptance of the GTC in this manner constitutes implied conduct, which signifies the conclusion of the contract between the User and the Provider pursuant to Section 6:4 (2) of the Civil Code.

3.4. Territorial Scope: Based on these GTC, the language of the contract is Hungarian, and – unless otherwise agreed – Hungarian law shall govern the legal relationship between the parties. The Provider primarily provides its services directed towards the territory of Hungary, but the Platform is accessible online from anywhere. Even for foreign users, the provisions of these GTC and the relevant Hungarian and European Union legislation 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 Provider (Skillion Ltd.). The platform consists of three main parts: (a) Webshop, where Users can purchase pre-made digital educational materials for their own use; (b) AI-based learning assistant, which supports Users' learning and knowledge testing through functions based on artificial intelligence; and (c) Mobile Application, which is the version of the AI-based learning tools available on mobile platforms (iOS and Android) and provides in-app purchase options through the RevenueCat infrastructure.

4.2. Webshop – Digital Educational Materials: Educational materials developed or distributed by the Provider are available in digital form in the Webshop. Materials may include, for example, interactive courses, exam preparation materials, practice exercises, educational videos, or notes. Each material's product page contains essential information, such as a brief description of the content, its purpose, price, duration of access, and technical requirements for use, if any. After purchase, the User can access the purchased materials on an online interface (e.g., in the 'My Materials' section after logging into the Website). Access to materials may be limited in time according to the product description (e.g., some content is available for 90 days from purchase, while for other content, indefinite access is provided). The purchase of digital educational materials does not involve the delivery of physical media; the Provider does not perform postal delivery, the method of performance is providing online access.

4.3. AI-based Learning Platform: The AI (Artificial Intelligence) module of the Platform is a learning support system offering various functions for Users. These functions can be used individually or together in a modular way, aiming to support the User's learning process in a personalized manner. The main functions of the AI platform include:

• •Document upload and processing: The User can upload their own study materials, notes, or any other documents (e.g., PDF, DOCX, audio recordings, etc.) to the system. The system automatically creates structured data and knowledge bases from the uploaded content in an internal (vector) database. This forms the basis for further AI functions. (Note: The system does not make the content of uploaded documents publicly available and does not resell it; its processing serves exclusively the User's own learning purposes.)
• •Create Quiz: The system automatically generates quiz questions based on the study material uploaded or selected by the User. The purpose of the quiz function is to allow the User to test their knowledge of the material through self-assessment. The questions and answers are compiled by artificial intelligence based on the uploaded information.
• •Create Flashcards: The system generates short question-answer pairs (flashcards) from the study material for the User, which help with memorization and a quick review of knowledge. The flashcards contain concise information from the material, and the User can review or practice with them as they wish.
• •Create Notes: With the help of AI, the User can create summary notes from the study material. The system is capable of highlighting the main points and essential elements of the uploaded document or study material and displaying them in a structured note format. This facilitates the review of the material and the highlighting of key points.
• •Modular Learning: This function combines the aforementioned tools into a complex learning process. Within a learning module, the User can combine quizzes, flashcards, and notes to process the study material comprehensively. Modular learning can suggest steps (e.g., first review notes, then complete a quiz, then practice with flashcards), helping with effective learning.
• •Learning Log: The User can track and document their own learning activities. The learning log function allows for recording notes and thoughts, setting learning goals, and tracking progress over time. Statistics or reports may also be available on how much time the User spent on which material.
• •Podcast Function: In certain cases, the platform may allow for the creation of an audio-format 'podcast' from the study material or notes. This may involve reading out or summarizing the material through text-to-speech technology, allowing the User to learn while listening. (The exact operation depends on current development.)
• •Visualization: The system generates diagrams, charts, and other visual representations from the content of uploaded documents in 16 different visualization styles. The visualizations help in easier understanding of relationships and structures.
• •Presentation: The AI generates slide shows (presentations) from the content of uploaded documents, which are suitable for educational or summary purposes.
• •Mind Map: The system creates conceptual maps that visually represent the concepts in the document and their relationships. Interactive mind maps help in understanding the structure of the study material.

4.4. Continuous Development: The 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 Provider endeavors to inform Users in advance of significant changes (e.g., via newsletter or information posted on the Platform), but minor modifications and developments may occur without prior notice. The terms of use for the services—including fees or restrictions—are set out in these GTC and any separate information notices.

4.5. 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 processed via the RevenueCat infrastructure and the Apple and Google payment systems.

4.6. 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, using machine learning models (including large language models, LLMs).
• •Content generated by AI (quizzes, flashcards, notes, visualizations, presentations, mind maps, learning logs, 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, omissions, 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, list of study materials, GTC, etc.). However, to make purchases in the Webshop and to use AI-based services, the User must register and create a personal user account on the Platform. Registration facilitates the tracking of purchases, ensures access to study materials, and enables the management of subscriptions.

5.2. Registration Process: The User can create an account on the 'Registration' interface of the Platform. For registration, the User is obliged to provide their real and 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 'Register' button and accepting the GTC, the User declares that the provided data is correct. The Provider will send a confirmation email to the specified email address upon successful registration. Registration is also possible through the following methods: logging in with a Google account (OAuth), logging in with a Microsoft account (OAuth), or logging in with an Apple account (OAuth).

5.3. Age and Legal Capacity: Natural persons who are legally competent and have reached the age of 18, or persons authorized to represent legal entities, are entitled to register and use the Platform's services. Minors (natural persons under 18) may use the service only 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 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 obliged to ensure the confidentiality of their account and login details (username/email and password). 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 report it to the Provider's customer service. The Provider is not liable for damages or abuses resulting from the User's failure to properly secure the account (e.g., using a weak password, giving the password to others) or failing to report suspicious activity in time.

5.5. Multiple Accounts and Transfer: A natural person or organization may essentially create one user account. The User account and the 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 Provider's prior permission.

5.6. Updating Profile Data: The User agrees to update or correct their registration and profile data as necessary when 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 Provider issues the invoice based on this data, and there are limited possibilities for subsequent modification. The Provider is entitled to delete or deactivate registrations created with obviously false or incomplete data without prior warning.

5.7. Refusal of Registration: The Provider reserves the right to refuse a registration in justified cases or to delete/suspend an already existing user account (this may include, but is not limited to, cases where the User's identity cannot be identified or is false based on the provided data, 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). The Provider will, if possible, send a notification of the refusal or deletion to the affected email address, but also 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. Initiating a Purchase: The User can select the product they wish to purchase from the study materials available in the Webshop. Next to each study material, its name, short description, price (which the payment provider displays together with local taxes during checkout), and any access time limits are indicated. The User can place the study material into their virtual cart using the 'Add to Cart' or 'Buy' button on the product page. The contents of the cart can be modified before finalizing the purchase; the User can add or remove products and specify the desired quantity (usually 1 digital study material).

6.2. Order Form: When finalizing the cart, the User fills out the necessary form for the order on the 'Checkout' page. Here, they provide or confirm the billing details (name/company name, address, email address, tax number for corporate customers, etc.) and select the payment method (see point 8). On this interface, there is also the possibility to accept the GTC and the Privacy Policy (by checking checkboxes), which are conditions for executing the order. By providing their data, the User declares that it is real and correct. The system provides an opportunity to check and correct the provided data before sending the order.

6.3. Contractual Declaration and Confirmation: The order is placed by clicking the 'Finalize Order' or similar button. This step constitutes a legal declaration on the part of the User aimed at concluding a contract, which entails a payment obligation. The Provider shall immediately confirm the receipt of the User's order electronically (automatic email). The confirmation email contains the order ID, the name and price of the ordered study material(s), the payment method, billing details, and the User's declarations (acceptance of GTC, acknowledgment of the right of withdrawal, etc.). If the confirmation does not reach the User within 48 hours of sending the order, the User is released from the binding offer, meaning they are not obliged to use the ordered service. Upon receipt of the confirmation, the contract is concluded, but the entry into force of the contract is subject to successful payment.

6.4. Payment and Billing: The User shall pay the purchase price of the study material using the payment method chosen during the order process (detailed information on selectable payment methods is provided in point 8). Following successful payment, the payment provider (Polar.sh as Merchant of Record for web purchases, Apple/Google for mobile purchases) issues an electronic receipt. The User agrees to accept the electronically issued receipt and to keep it on their own device for the retention period required by applicable law. If the User notices any error on the receipt (e.g., misspelled name or address), they must report it to the relevant payment provider as soon as possible after discovering the error for correction.

6.5. Providing Access to Study Material: Following the crediting of the purchase price (successful payment), the Provider shall immediately provide the User with access to the purchased digital study material. This typically occurs by the User gaining access to the study material within their logged-in account (e.g., the material appears among the courses available in their account), or by receiving a unique link/access code to the content via email. If the study material is available on an external e-learning platform (as indicated in the product description), the Provider will also send the information necessary for access (e.g., URL, login details) via email. The duration of access is valid for the period specified in the product description; thereafter, the system may automatically terminate access to the study material unless the User extends it through a new purchase, if such an option exists.

6.6. Technical Limitations and Liability: It is the User's responsibility to ensure they have the technical conditions necessary to use the digital study material (e.g., appropriate internet connection, browser, any software required to open the content). The Provider ensures access to the study material within its own system; the Provider is not liable for errors occurring on the User's individual device or network (e.g., hardware failure, internet service provider outage). If a technical problem arises regarding access to or display of the study material, the User may report it to customer service, and the Provider will attempt to remedy the problem within a reasonable time. The Provider does not warrant that the digital study material will function perfectly on all devices or operating systems; it endeavors to provide advance information about supported platforms.

6.7. Rights to the Course Material: The purchased digital course material is the intellectual property of the Provider or its copyright holders. Purchase does not constitute ownership of the content for the User; it merely provides a personal, non-transferable, non-exclusive right of use (license) to study the course material for their own purposes. The User may use the course material solely for their own learning. It is prohibited to resell, disclose, publish, reproduce (excluding making copies for personal use, if technically possible), share with third parties, or use the course material in any other way that goes beyond personal use without the express permission of the copyright holder. The Provider is entitled to apply technical measures to prevent the unauthorized distribution of course materials (e.g., digital watermarking, download restrictions). If the User violates intellectual property rights (e.g., by unauthorized sharing of material), the Provider is entitled to revoke access to the content and/or the user account with immediate effect and may claim compensation for damages caused.

7.1. The 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.

Current prices for subscription plans, feature limits for each plan, and fees for Top-Up services are always available on the Platform's pricing list (skillion.hu/pricing). Prices listed are net prices; VAT is calculated by the payment provider (Polar.sh / Apple / Google) during the checkout process, if applicable. The Provider reserves the right to modify prices unilaterally; price changes do not affect already paid subscription periods, and the Provider will notify affected Users of the change via email at least 30 days before it takes effect. Following notification, the User is entitled to cancel their subscription before the change takes effect without adverse legal consequences.

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

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

7.4. Cancellation: The User may cancel their subscription at any time. Upon cancellation, the subscription remains active until the end of the current period. Web subscriptions can be cancelled through the Platform; mobile subscriptions are cancelled via the device's subscription manager (App Store / Google Play).

7.5. Top-Up (One-time quota expansion): The User may purchase a quantitative expansion (Top-Up) for their subscription for a one-time fee. Types, quantities, and fees for Top-Up services can be viewed on the Platform's pricing list. The surplus provided by the Top-Up is valid only until the end of the current monthly cycle. Top-Up fees are non-refundable, even if the User does not utilize the full quantity.

7.6. If limits are exceeded, the specific function cannot be used until the end of the current cycle unless the User purchases a Top-Up expansion.

7.7. Free Trial Period: The Provider offers a 3-day free trial 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 via email about the automatic transition before the trial period expires, according to its own terms. Additionally, the 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 option to cancel.

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

7.9. Corporate Subscription (Custom Offer): The Provider offers custom corporate subscription plans for businesses, institutions, and other organizations (hereinafter: Customer). Corporate subscriptions can only be requested via the marketing@skillion.hu email address; they cannot be purchased directly through the Platform. The terms of the corporate subscription are recorded in a custom agreement between the Provider and the Customer.

7.10. Setup Fee: Upon activation of a 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.

7.11. Usage-based Monthly Billing: Following setup, the 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 Provider is applied. The token price and the margin rate are determined by the Provider; current values can be viewed by the Customer at any time on the administration interface provided by the Provider. The Provider reserves the right to modify the margin unilaterally; the modification takes effect from the next billing cycle, and the Customer will be notified via the administration interface.

7.12. Spending Cap: The Customer is entitled to set a maximum monthly usage limit (spending cap) on the administration interface or in the custom agreement. If the spending cap is reached, the Provider suspends or restricts further platform usage by users until the end of the given billing cycle and notifies the Customer. The Customer may modify the spending cap at any time; increases take effect immediately, while decreases take effect from the next billing cycle.

7.13. The Customer is entitled to manage the user accounts belonging to the corporate subscription at its own discretion: add new users, remove existing users, and modify the feature limits assigned to individual users within the framework set out in the custom agreement.

7.14. Cancellation by the Customer: The Customer may cancel the corporate subscription at any time without justification via the marketing@skillion.hu email address. Upon cancellation, the subscription remains active until the end of the current billing month; usage incurred until then will be billed. The already paid setup fee is non-refundable.

7.15. Termination by the Provider: The Provider is entitled to terminate the corporate subscription unilaterally without justification if it no longer considers the continued provision of the service commercially viable. The Provider shall notify the Customer of the termination via email at least 30 days before the termination takes effect. Usage incurred until the termination takes effect will be billed; the Provider will provide the service under the agreed terms until the end of the notice period.

7.16. Reactivation: If the Customer wishes to reactivate the corporate subscription after either its own cancellation or termination by the Provider, the Provider is entitled to charge the setup fee again. The terms of reactivation shall be recorded by the parties in a new custom agreement.

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

7.17. Custom Arrangements: The Provider reserves the right to make a custom offer to the Customer that differs from the general corporate subscription model described in points 7.9–7.16. A custom offer may differ specifically—but not exclusively—in the method of calculating or the amount of the setup fee, the structure of monthly billing (including token pricing and the application of margins), the frequency of billing, and payment terms. The terms of a custom offer are in all cases contained in a custom agreement between the Provider and the Customer; the provisions of such an agreement—with respect to the given legal relationship—shall prevail over points 7.9–7.16.

7.18. Other terms of corporate subscriptions and custom arrangements—including, in particular, data processing obligations and confidentiality provisions—are governed by the custom agreement. For matters not regulated in the custom agreement, the provisions of these GTC shall apply accordingly.

8.1. The Provider offers 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), using Stripe's payment infrastructure. Accepted card types: Visa, MasterCard, American Express, and other cards supported by Stripe. Credit card details are entered on Polar.sh/Stripe's secure payment interface; the Provider does not receive or store card data.
• •Mobile payment (App Store / Google Play): Purchases and subscriptions made through the Mobile Application are processed 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 consultation with the Provider.

8.2. Service fees are displayed in US Dollars (USD).

8.3. In the event of a failed payment, the payment provider (Polar.sh, Apple, or Google) notifies the User and handles retries according to its own terms. In the event of repeatedly failed payments, the subscription may be suspended or terminated.

8.4. 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.

8.5. Data Transfer Declaration: To process payment transactions, the 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 the email address. For mobile purchases, Apple and Google handle payment data according to their own privacy policies.

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

9.1. Right of withdrawal for digital content: Most products and services offered on the Website are digital content or digital services not provided on a tangible medium. Under applicable law (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 date of concluding the distance contract. However, if the subject of the contract is the provision of digital content or 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 ordering process, the Provider requests the consumer's express consent to begin performance and their acknowledgment of the loss of the right of withdrawal by requiring them to check the relevant checkbox when providing immediate access to the digital content after purchase. Accordingly:

• •In case of purchasing digital curriculum: if the User (consumer) requests that the Provider provide access to the curriculum immediately after purchase (even before the 14 days have elapsed) and expressly requests/accepts this during the order, performance begins, and they lose their right of withdrawal. If the User does not request immediate performance (which is rare in practice, as digital products are typically intended for immediate use), they may withdraw from the contract within the 14-day withdrawal period, provided they have not yet started actual use of the curriculum (have not logged in and accessed it).
• •In 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 during the order for the Provider to provide the service before the waiting period, thereby acknowledging that they lose their 14-day right of withdrawal. If the User does not start 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 the User does not log in and does not use the subscription features during the 14 days – in the absence of which the Provider may assume performance has not begun. As a legal consequence of withdrawal, the Provider shall refund the subscription fee to the User.

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

9.3. Consequences of withdrawal: In the event of a valid withdrawal, the Provider is obliged to refund the consideration (fee) received from the consumer no later than 14 days after 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 involve additional costs). Important: if the consumer has started using the digital content or the digital service after concluding the contract (e.g., accessed the curriculum, downloaded it, used AI functions), then – as stated above – they lose their right of withdrawal, so the withdrawal remains without legal effect, and the Provider is not obliged to refund the fee. The Provider reserves the right to check its system for any login or content access during the period in question. If partial performance has occurred (e.g., the consumer only partially used the service within the 14 days and then withdraws), the Provider may claim a proportional fee for the service already provided and will only refund the remaining amount.

9.4. Termination of subscription by the consumer: Points 9.1-9.3 regulate the right of withdrawal (termination) without justification within 14 days of concluding the contract. Furthermore, the consumer User is entitled to terminate the subscription contract even before the expiry of the fixed term; however, in such a case – if the termination is not due to a breach of contract by the Provider or a reason provided by law – the Provider is not obliged to refund the already paid fee proportionally (since performance began at the consumer's express request, so 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 7.5 – cancellation), which is the simplest way to terminate further obligations. If the User nevertheless wishes to terminate the contract during the active subscription period and requests a pro-rata refund of the fee, the Provider may decide to grant this based on individual equity but is not obliged to do so.

9.5. 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 provisions of the contract and these GTC (e.g., by not renewing the next cycle), but they cannot unilaterally terminate a concluded contract under performance without justification and without consequences.

9.6. 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 Provider does not handle refunds directly; the User may initiate a refund through the customer service of the relevant payment provider.

10.1. 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 by law, for their intended purpose. It is prohibited to use the service for any abusive, unlawful purpose or purpose detrimental to the Provider's legitimate interests. In particular, the User may 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 service elements or analyzing source code; sending spam using the system; publishing offensive or unlawful content. These activities constitute a serious breach of contract, which may result in immediate termination of account and access, as well as civil and criminal consequences.

10.2. 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: - infringe the copyrights or other intellectual property rights of third parties (e.g., unauthorized copies of copyrighted books, articles, educational materials); - infringe the personal rights or privacy of others, or contain personal data unlawfully; - violate any law or support illegal activities (e.g., defamatory, libelous content; hateful, discriminatory content; materials inciting violence; materials referring to terrorist acts; child pornography or other obscene content); - contain dangerous or harmful code (virus, Trojan horse, 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 Provider (e.g., extremely profane, pornographic, or political incitement-type content, harassing messages). The Provider applies a zero-tolerance policy towards content that violates or endangers the fundamental rights of other users or any group of persons (in particular: hate speech, harassment, child abuse, etc.).

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

10.4. Data protection responsibility for uploaded data: If the User uploads documents containing personal data to the system (e.g., notes or audio material containing the name or personal information of other person(s)), the User shall be considered the data controller in relation to those data in this context. In such a case, the User must ensure that 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 Provider processes the uploaded materials automatically at the User's instruction but does not assume 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.

10.5. User-generated content (AI output): During the use of 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, learning logs, chats, 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 – they are produced by the AI based on estimation and language models from available information, and therefore may contain erroneous 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 form part of the original owner'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 publicly available in a way that would infringe the rights of third parties. The Provider does not claim rights over AI-generated content from the User; the User may handle such content at their discretion, but the Provider may temporarily store it for the operation of the service or use it anonymously for internal development purposes (e.g., to improve system accuracy).

10.6. License for uploaded content: Regarding any content uploaded to the Service by the User (e.g., document, note, audio material, image, etc.), the User, simultaneously with the upload, grants the 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 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 may request it from customer service), and the Provider will comply with the deletion request within a reasonable time. After deletion, the license also terminates, except for data remaining in any backups or log files, which the Provider handles according to its own data management policy and deletes after the necessary time has elapsed.

10.7. User cooperation: The User is obliged to cooperate with the Provider during the use of the service. This includes, for example, the User reporting any problems to the Provider; providing information if asked in case of suspected copyright or other infringement; or following the instructions published by the 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.

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

11.1. 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. However, 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 expressly detailed below.

11.2. Limitation of liability – service quality: The Provider develops and operates the system to the best of its knowledge but does not warrant that the service (including AI-generated content) is faultless, 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, learning logs, podcasts, etc.) may contain erroneous information, deficiencies, or irrelevant elements. The User uses these functions at their own risk and is independently obliged to verify the correctness of critical information. The Provider excludes all liability if the User makes decisions or acts based on AI-generated content and this results in damage, loss, or any injury. AI functions are supplementary and supportive in nature for learning and do not constitute professional advice or an infallible source of knowledge. Accordingly, the User may not rely on a well-founded expectation that a generated quiz fully covers the curriculum, or that the flashcard selection is complete, or the note is a perfect summary. The Provider strives to continuously improve the accuracy of the system but cannot guarantee its content fully.

11.3. Limitation of liability – availability: The Provider does not guarantee that the Website and the service will be available continuously, uninterrupted 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 advance notice of such scheduled maintenance and to schedule it at times that least disturb Users (e.g., during night hours). Nevertheless, unforeseen technical problems may occur (server failure, network outage, force majeure event, etc.) that may cause temporary suspension or deterioration in the quality of the service. The Provider is exempt from liability for such malfunctions or outages occurring for reasons beyond its control. The Provider assumes no liability for damages suffered by the User due to unavailability or malfunction (whether it be a missed learning opportunity, data loss – except see the point on 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, at its own discretion, extend the User's subscription proportionally or provide individual compensation, but it does not undertake a legal obligation for this in advance.

11.4. 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 obliged to take appropriate precautions themselves (e.g., strong password, updated virus protection). The Provider excludes its liability for damages resulting from unavoidable attacks (e.g., data leakage committed by hackers), provided it has taken the measures expected of it to prevent the incident. If a data protection incident occurs, the Provider will inform the affected Users and authorities in accordance with the law and take the necessary steps to mitigate the consequences.

11.5. Data loss and liability: Secure preservation of data stored in the system by the User (e.g., uploaded documents, notes, generated content, learning log) is important to the Provider, and it performs regular backups of server-side data. Nevertheless, the Provider assumes no liability for any 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 backup of critical data if they deem it necessary. For example, if the content of a note is vital to the User, it is worth exporting or copying it to their own device. The Provider's system may allow certain export functions, but even if not, it is 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., failed exam due to lost study notes).

11.6. 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 liability for the services provided by these external providers, their availability, or 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 the payment delay. Similarly, it is not responsible for any technical errors in the Apple App Store and Google Play systems. Nevertheless, the Provider will do its best to cooperate with these partners for smooth administration.

11.7. 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 outage, 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 excluding or limiting the rights and warranties mandatory by law; this point rather establishes the limitation of liability for non-consumer (business) victims. 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, damages caused intentionally or by gross negligence). At the same time, the Provider expressly 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 proper 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 event in question (Civil Code Section 6:152).

11.8. Other rights of the Provider: The Provider is entitled to use its own subcontractors or data processors in providing 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 packages); however, it is obliged to notify Users of such changes in advance, and in the case of already concluded contracts, the changes may only take effect at the next renewal or new contract conclusion, unless law or an official decision prescribes 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 termination of the contract – provided the User has not committed a breach of contract – the Provider shall refund the fee prepaid by the User proportionally for the unused period. If access was withdrawn due to the User's breach of contract, the Provider cannot be obliged to pay compensation or refund the fee, and furthermore reserves its right to claim damages.

11.9. 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 provided by law cannot be limited (Civil Code Section 6:152).

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

12.1. Ownership of the website and its content: The entire Website (skillion.hu) and all its individual content elements – including source code, design elements, graphics, logos, text content, descriptions, images, videos, audio materials, databases, as well as the Service Provider's trademarks and brand name – are the intellectual property of the Service Provider or its contractual partners and are protected by 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 what 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 website's content – is prohibited without the Service Provider's prior written permission.

12.2. 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 Service Provider. The User may not use these in any way without the Service Provider's prior permission, except for references made during the use of the Service (for example, mentioning the Skillion platform by name in a blog post). However, the User is prohibited from using the trademarks in a way that could create the impression that the User or their product/service has any sponsorship or partnership relationship with the Service Provider, unless authorized by the Service Provider in writing.

12.3. 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 fairly and do not suggest the Service Provider's endorsement or agreement with the User's site. The Service Provider reserves the right to request the removal of a link if it deems it inappropriate (e.g., the link appears in an offensive context). The Website may also contain links pointing to third-party websites. The Service Provider assumes no responsibility for their content or data management practices; the links are provided solely for the convenience of Users or as references. Users visit these at their own risk.

12.4. Service software: The software ensuring the operation of the Skillion platform (including the Mobile Application and AI modules) is the property of the Service Provider or its partners. The User does not receive the software independently; they are 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 interference that could violate the software's integrity. Upon detecting any program error or abnormal operation, the User shall not exploit it but shall notify the Service Provider for the earliest possible fix.

13.1. Expiration of fixed-term access: The contract for the purchase of digital educational material automatically terminates upon the expiration of the access period for the material without the need for a separate declaration (unless the material came with unlimited access, in which case the contract exists for an indefinite period or at least the content remains available as long as the Service exists). 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 terminates upon the expiration date and the contract ends. In the case of automatic renewal, the contract is considered indefinite, continuously extending by periods until terminated by the User or the Service Provider.

13.2. Ordinary termination by the User: The User (if a consumer) is entitled to terminate an indefinite subscription contract at any time without justification, with a 30-day notice period in writing. For periods paid in advance 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 7.5, or by sending a termination notice via email). For business users, the notice period for an indefinite contract is 60 days, without justification. During the notice period, the Service 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 during the notice period, that is their decision, but they are not entitled to a refund for the period they choose not to use (except for the special consumer withdrawal case under point 9). Cancellation of a subscription concluded through the Mobile Application is done through the device's subscription manager (Apple App Store / Google Play settings).

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

13.4. Extraordinary termination by the Service Provider (due to breach of contract): The Service Provider is entitled to terminate the contract with immediate effect through extraordinary termination and delete or suspend the User's access if the User seriously or repeatedly breaches 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 shared their access or content with third parties for business purposes without authorization;
• •the User uploaded prohibited content or used the service for illegal purposes;
• •the User intentionally caused damage to the system or other users;
• •any other conduct that, in the Service Provider's judgment, is incompatible with the intended use of the service and the trust relationship between the parties.

In the event of extraordinary termination, the Service Provider is entitled to immediately delete or block the User's account and refuse the remaining service. In such a case – given that they caused the termination – the User is not entitled to any refund of fees; moreover, the Service Provider may demand compensation for damages caused by the breach of contract. The Service Provider also reserves the right to initiate legal proceedings if the User's conduct involved illegal activities (e.g., compensation for copyright damage, reporting for a criminal offense).

13.5. 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 Service Provider. Account deletion at the User's initiative is considered termination. The Service 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 those 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 an active subscription; 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 is considered that they waive the use of the remaining service; the Service Provider is not obliged to refund the fee for the remaining period in such a case either. An exception is if the User also announces their legal withdrawal from the contract or extraordinary termination for this case, but the Service Provider will examine the legality of this.

13.6. Complete discontinuation of the service: The Service Provider reserves the right to completely discontinue the service provided on the skillion.hu website in the future (e.g., in the event of business closure or profile change). If this occurs, already subscribed Users will be notified at least 30 days in advance via email and in an announcement published on the website. In such a case, the Service Provider will refund the fees for pre-paid but unused periods to Users on a pro-rata basis. In the event of service discontinuation, the Service Provider will, where possible, inform the User about the possibilities for exporting content. Even in the event of complete discontinuation, the Service Provider ensures the proper handling of Users' data (e.g., deletion or transfer upon request). In the event of such general discontinuation, the User is not entitled to any other compensation beyond the refunded fee.

14.1. Customer service contact details: The User may contact the Service 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 problem or complaint can be reported by writing to these email addresses). The Service Provider currently maintains primarily electronic customer service. The Service 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 Service 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, it will be justified. 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.).

14.2. 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 Service Provider is obliged to confirm receipt of the complaint electronically without delay (in practice, this is an automatic or manual response message about the fact of receipt). The Service Provider fulfills this obligation; if the User does not receive confirmation within 1-2 business days of sending the complaint, it is worth trying again or choosing another channel.

14.3. 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: the registered name (or order ID), a specific description of the problem or complaint, related times or content (e.g., regarding which educational material, during the use of which function the problem occurred), and the settlement or proposed solution expected by the User, if any. This data helps the Service 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 Service Provider may request completion of an incomplete complaint if it does not have enough information for a substantive response.

14.4. Warranty and enforcement: Although special rules of the Civil Code and relevant consumer protection legislation apply to digital services, the Service 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, performance in accordance with the contract is to be interpreted as described above, the Service Provider evaluates claims arising in practice on an individual basis. For example, if a digital educational material is inaccessible or defective, the User may request the correction of the error or the provision of access. If the Service Provider cannot fulfill this within a reasonable time, the consumer may request a price reduction or withdraw from the contract. For subscription services, if the service becomes completely unavailable for a longer period due to the Service Provider's fault, the consumer may terminate the contract and request a pro-rata refund. The User shall primarily seek to settle their warranty and other rights through peaceful means, in cooperation with the Service Provider.

14.5. Conciliation Body: If the consumer User's complaint cannot be settled with the Service Provider, they are entitled to turn to the conciliation body according to their place of residence or stay. Conciliation bodies 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 body is binding on the business up to a value limit of HUF 250,000. Data of the conciliation body competent according to the Service Provider's registered office:

However, the consumer may – at their choice – also turn to the conciliation body according to their own place of residence. Contact details for conciliation bodies are available nationwide on the website of the Consumer Protection Authority or the regional chambers. The Service Provider is obliged to cooperate in the conciliation body proceedings, send a response, and appear at the hearing (unless the consumer turned to a body other than the one competent according to the registered office, in which case the cooperation obligation is limited to coordination by letter).

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

14.7. Judicial route: The User is entitled to bring their legal dispute before a court. Consumer Users may bring proceedings before the competent court according to their own place of residence (in lawsuits against consumers, the court of the consumer's place of residence is also competent), while in the case of business Users, the parties submit to the exclusive jurisdiction – depending on jurisdiction – of the Nyíregyháza District Court or the Nyíregyháza Regional Court. (This latter stipulation does not affect the rights of consumers; it is only valid for legal relationships between companies.) Hungarian law shall apply in the litigation, and the provisions of these GTC shall prevail.

15.1. A force majeure event is any circumstance beyond the reasonable control of the Parties that prevents or significantly complicates 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, embargoes, sanctions
• •Power outage, telecommunications failure
• •Unprecedented cyberattack
• •Outage or restriction of a third-party AI service (API)
• •Any other circumstance beyond the reasonable control of the Parties

15.2. Neither Party shall be liable for any delay or failure to perform due to force majeure. The Party affected by the force majeure event shall notify the other Party without delay.

15.3. If the force majeure event persists for more than 60 days, either Party is entitled to terminate the contract. In such a case, the Service Provider shall refund the pro-rata subscription fee. The Service Provider shall strive to mitigate the effects of the force majeure event and restore the service as soon as possible.

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

16.1. Governing Law: Unless otherwise agreed, the legal relationship between the Parties shall be 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 detailed rules for contracts between consumers and businesses, Government Decree 373/2021 (VI.30.) on the provision of digital services, 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. The provisions of the GTC shall be interpreted and enforced in such a way that they do not conflict with relevant mandatory legal requirements; in the event of such a conflict, the legal provision shall replace the affected clause, while the remaining parts shall remain in full force and effect.

16.2. Copyright of the GTC: The text of these GTC is the intellectual property of the Service Provider. Its unauthorized copying or publication elsewhere for business purposes is prohibited. The GTC is established between the Service Provider and the User; third parties may not base any direct rights upon it.

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

16.4. Communication: Official communication between the Service Provider and the User shall take place in electronic form (e-mail), via messages sent to the e-mail address provided by the User or to the Service Provider's support@skillion.hu or info@skillion.hu addresses. The User is obliged to maintain a working and regularly checked e-mail address. The Service Provider shall deliver important contractual notices (e.g., price changes, GTC amendments) to the User via e-mail 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 e-mail (including withdrawal, termination, or filing a complaint).

16.5. Entire Agreement: These GTC contain the complete set of terms and conditions for the contract between the Service Provider and the User regarding the use of the service. Any additional 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 or negotiations between the Service Provider and the User shall lose their effect upon the entry into force of the terms written herein, unless the parties provide otherwise in writing.

16.6. Amendment of GTC: Current GTC version: v2.0. The Service Provider is entitled to unilaterally amend these GTC. The Service Provider shall notify Users of the amendment via e-mail at least 15 days before the amendment takes effect. The notification shall include a summary of the changes and highlight significant differences. The User is entitled to cancel their subscription (opt-out) before the amended terms take effect if they do not wish to accept them. The Service Provider may issue modified versions in the future, indicated by 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