Terms

These govern your use of Intelligentjump. The short version: your fee buys access to a course, answering correctly returns part of it as motivation to keep going, and nothing here is an investment.

1. What your fee buys

When you pay a fee for a course, that money buys you access to that course for one cycle: the syllabus, the question bank behind it, the adaptive daily task, and the certificate at the end if you qualify for one. It is the price of the service, paid up front.

It is not a deposit, an escrow, a stake, or a balance we hold for you. You are buying something, and what you are buying is described on this site before you pay for it.

The material is what your fee buys. What a course covers, and the name of every part of it, is public and readable before you pay; the material behind those parts is yours once you have bought the course, and stays yours afterwards whether or not you ever sit the test. Some courses have material for only part of what they cover, and some have none yet — each course page says which.

Whether you read it is your business: we do not track it, it does not affect what you earn, and a certificate says nothing about it.

The test is optional. Buying a course does not start it, and nothing obliges you to take it. It is how you earn part of your fee back, and it runs for 20 weekdays from the day you choose to start. Sitting it again means buying the course again, at whatever it costs then.

Each course sets its own fee, shown on the course before you buy it, and no course costs less than $10.00 or more than $10000.00. The fee is what every figure on this page is a percentage of, so a dearer course returns proportionally more per correct answer — the percentages themselves are the same for everyone.

A fee can change. What you pay is the price shown at the moment you buy, and it is fixed for that purchase: a later change to the price does not reach back into a course you already own or a test already running.

2. Earnings are motivation, not investment

Each correct answer credits a fixed percentage of your fee to your balance — 0.2875% at our standing rate. Over a full cycle of 400 questions a flawless performance returns 115% of what you paid.

This exists for one reason: to get you back to the work on the days you would rather not. It is a commitment device, in the behavioural sense. It is not an investment product, not a financial return, not interest, and not a guarantee of any amount. We do not promise that you will earn back what you paid, and you should not pay a fee you cannot afford to lose.

Answer nothing and you earn nothing. There is no minimum payment and no refund for an unstudied cycle. Miss a weekday and that day’s 20 questions are gone — they do not roll over.

3. Rates are fixed when your cycle starts

The per-answer rate and the maximum a cycle can pay are recorded when you enrol and do not change for the life of that cycle. If we change our standing rates afterwards, your running cycle keeps the terms it was sold under.

We sometimes run promotions at a higher rate. A promotion applies only to cycles started while it is running; those cycles keep the promotional rate to their last day, and cycles started after it ends are sold at the standing rate. A promotion is never applied retrospectively and never withdrawn from a cycle that was sold under it.

4. How a cycle works

A cycle is 20 questions each weekday for 20 weekdays, across about 30 days. Questions are selected adaptively from your rating in that course, as described in how we measure ability.

You may own as many courses as you like, and buy another at any time — including while a test is running. Each is a separate fee and a separate course, and the material for all of them stays readable.

You may sit one test at a time. A test you have bought and not started waits as long as you like; the course and the fee cannot be changed once its test has started.

5. Honest work only

The following are not permitted:

• Using an AI model, search engine, or any other outside source to obtain answers.
• Having another person answer for you, or answering on someone else’s behalf.
• Sharing questions, answers or answer keys with other learners.
• Holding or operating more than one account, or opening an account for someone who is not you.
• Automating answers, scripting requests, or interfering with how questions are served or scored.
• Abusing referrals, including referring accounts you control.

The point of the platform is that the certificate means something. Answering with help produces a certificate that certifies nothing, which devalues it for everybody who earned theirs.

6. We may examine results

Correct answers alone do not create an unconditional right to payment. Where a cycle’s results give us reasonable grounds to suspect the rules in clause 5 have been broken, we may review that cycle before releasing or paying out earnings.

A review may consider your accuracy against what your rating predicted, the pattern and spread of your answer times, hint usage, device and session information, and how your account relates to others. We describe the statistical side of this openly in how we measure ability.

Where we conclude on the balance of the evidence that the rules were broken, we may withhold earnings for the affected cycle, decline to issue a certificate, revoke one already issued, or close the account. An unusual result on its own is not misconduct and is never treated as such automatically — a person reviews it. If we act, we will tell you what we concluded and you may contest it by replying to that notice.

7. Your balance and withdrawals

Earnings are credited to your balance as you answer. You may withdraw a balance of at least $10.00, put it toward your next fee, or send it to another learner as study credit (clause 8). Withdrawals are reviewed and paid out through our payment partner, and we may hold one while a review under clause 6 is open.

Top-ups are made with prepaid codes, credited at their full face value. Your balance is not a bank account: it earns nothing by sitting there and is not protected by any deposit scheme.

8. Gifting study credit

You can send part of your balance to another learner. They need an account with us already, and you send it to the address they signed up with. We tell them by email that it arrived and who it came from.

What they receive is study credit. It buys a course and the questions behind it, exactly as your own fee does. It cannot be withdrawn as cash — not by them, and not by you once it has gone. What they earn by answering is theirs and is withdrawable in the ordinary way; the gift itself never is.

The amount leaves your balance immediately and reduces what you can withdraw by the same amount. Gifts are final. We cannot reverse one, and we do not mediate disagreements about whether one should have been sent — check the address before you send, and send only to people you want studying.

Gifting exists because our top-ups settle in crypto and not everybody can use it, so a learner who can may fund someone who cannot. It is not a payment service and must not be used as one: do not sell credit for money outside the platform, use it to settle debts, or move funds on behalf of anybody else. Accounts doing so may be closed under clause 6.

9. Certificates

A certificate is issued for a completed cycle in which you answered at least 90% of the questions available to you and your rating in that course rose over the cycle. It records participation and measurable improvement in a subject. It is not an accredited academic qualification and does not carry academic credit.

Each carries a verification code that anyone can check without an account. We may revoke a certificate obtained in breach of clause 5.

10. Your account

You need a valid email address you control, and you must be old enough to enter a contract where you live. One account per person. You are responsible for what happens under your account, including keeping access to the email address that signs you in.

11. Availability and changes

We aim to keep the service running every weekday, but we do not guarantee uninterrupted availability. If an outage on our side costs you a study day, tell us and we will put it right.

We may change these terms. Changes apply to cycles started after they take effect; a cycle already running continues under the terms it was sold under, in the same way its rates do.

12. Getting in touch

For anything here — a review you disagree with, a withdrawal, or a question about what you were charged — reply to any email we have sent you and it reaches us.