Terms and Conditions

Please read these terms carefully before using our service

Last Updated: January 30, 2025

1. Acceptance of Terms

Welcome to OnlyHighYield.com and the High-Yield Bot application (collectively, the "Service") operated by OnlyHighYield, LLC ("Company," "we," "us," or "our"). These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and the Company.

Important Legal Agreement

By accessing, browsing, or using our Service in any manner, you acknowledge that you have read, understood, and agree to be bound by these Terms and all applicable laws and regulations. If you do not agree to these Terms, you must immediately cease all use of the Service.

These Terms apply to all users, visitors, subscribers, and any other persons who access or use the Service, regardless of the device or method of access used.

2. Medical and Educational Disclaimer

Critical Medical Disclaimer - Read Carefully

This section contains essential information about the limitations and appropriate use of our Service. By continuing to use the Service, you explicitly acknowledge and agree to all statements below:

2.1 Educational Purpose Only

The Service is designed exclusively for educational and informational purposes to assist medical students in exam preparation. All content, including but not limited to study materials, practice questions, explanations, summaries, and AI-generated responses, is intended solely as a supplementary study tool.

2.2 Not Medical Advice

THE SERVICE DOES NOT PROVIDE MEDICAL ADVICE, DIAGNOSIS, TREATMENT RECOMMENDATIONS, OR CLINICAL GUIDANCE. Nothing contained in the Service should be construed as medical advice or used as a substitute for professional medical consultation, diagnosis, or treatment by a qualified healthcare provider.

Professional Medical Advice Required

Always seek the advice of your physician or other qualified healthcare provider with any questions you may have regarding a medical condition. Never disregard professional medical advice or delay in seeking it because of something you have read through our Service.

2.3 No Performance Guarantees

We make no warranties, representations, or guarantees regarding your performance on the USMLE, COMLEX, or any other medical examination. Your success depends on numerous individual factors including but not limited to:

  • Personal study habits and dedication
  • Baseline medical knowledge and education
  • Test-taking skills and exam strategy
  • Individual learning style and retention capacity
  • Time management and preparation methodology

2.4 Information Accuracy and Currency

Medical knowledge evolves continuously. While we strive to provide current and accurate information, we cannot guarantee that all content reflects the most recent medical standards, guidelines, or best practices. Users are responsible for verifying all information against current, authoritative medical sources.

3. Service Description

3.1 Core Features

OnlyHighYield.com provides the following primary services:

  • High-Yield Bot: AI-powered study assistant for medical education
  • Practice Questions: USMLE-style questions with detailed explanations
  • Study Materials: Curated high-yield medical content
  • Progress Tracking: Performance analytics and study progress monitoring
  • Personalized Learning: Adaptive content recommendations

3.2 Service Modifications

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

3.3 Third-Party Integrations

The Service may integrate with or provide links to third-party services, websites, or applications. We are not responsible for the availability, content, or practices of any third-party services.

4. User Accounts and Registration

4.1 Eligibility Requirements

To create an account and use the Service, you must:

  • Be at least 18 years of age
  • Have the legal capacity to enter into binding agreements
  • Provide accurate and complete registration information
  • Be a current medical student or healthcare professional
  • Comply with all applicable laws and regulations

4.2 Account Security

You are solely responsible for:

  • Maintaining the confidentiality of your login credentials
  • All activities that occur under your account
  • Immediately notifying us of any unauthorized access or security breaches
  • Ensuring your account information remains current and accurate

4.3 Account Sharing Prohibition

Strict Account Sharing Policy

Your account is for your personal use only. Sharing login credentials, allowing others to access your account, or creating accounts on behalf of others is strictly prohibited and may result in immediate account termination without refund.

4.4 Account Verification

We may require verification of your identity, student status, or other information at our discretion. Failure to provide requested verification may result in account suspension or termination.

5. Subscriptions, Payments, and Billing

5.1 Subscription Plans

We offer various subscription plans with different features and durations. All subscription details, including pricing and features, are clearly displayed at the time of purchase and may be updated periodically.

5.2 Billing and Payment

  • Billing Cycles: Subscriptions are billed in advance for the selected period (monthly, annually, etc.)
  • Payment Methods: We accept major credit cards and other payment methods as displayed
  • Payment Processing: Payments are processed by secure third-party payment processors
  • Failed Payments: Service may be suspended for failed payments until resolved

5.3 Automatic Renewal

Subscriptions automatically renew at the end of each billing cycle unless cancelled before the renewal date. You will be charged the then-current subscription fee using your selected payment method.

5.4 Cancellation Policy

You may cancel your subscription at any time through your account settings. Cancellation becomes effective at the end of your current billing period, and you will retain access until that time.

5.5 Refund Policy

All subscription payments are final and non-refundable, except as required by applicable law or as explicitly stated in these Terms. We do not provide refunds for partial periods, unused features, or early cancellation.

5.6 Price Changes

We reserve the right to modify subscription prices at any time. Price changes will be communicated with at least 30 days' advance notice and will take effect at your next billing cycle, giving you the opportunity to cancel if desired.

5.7 Taxes

You are responsible for any applicable taxes, duties, or government charges related to your subscription, except for taxes based on our net income.

6. User Conduct and Prohibited Activities

6.1 Acceptable Use

You agree to use the Service only for lawful, educational purposes in accordance with these Terms. You are responsible for all activity under your account.

6.2 Prohibited Activities

The following activities are strictly prohibited:

Technical Violations:

  • Reverse engineering, decompiling, or attempting to discover source code
  • Circumventing security measures or access controls
  • Using automated tools to scrape or extract content
  • Interfering with Service operation or infrastructure
  • Introducing malware, viruses, or harmful code

Content Violations:

  • Uploading or sharing illegal, harmful, or inappropriate content
  • Distributing copyrighted material without authorization
  • Posting spam, advertisements, or unsolicited communications
  • Sharing false or misleading medical information

Commercial Violations:

  • Reselling or redistributing Service content
  • Using the Service for commercial purposes without authorization
  • Creating derivative works from Service content
  • Building competing services using our content or features

6.3 Enforcement

We reserve the right to investigate violations and take appropriate action, including account suspension, termination, and legal action where warranted.

7. Content Policy and User-Generated Content

7.1 User-Generated Content

Users may submit questions, comments, feedback, or other content through the Service. By submitting content, you grant us a worldwide, royalty-free license to use, modify, and display such content for Service operation and improvement.

7.2 Content Standards

All user-generated content must:

  • Be accurate and truthful to the best of your knowledge
  • Respect intellectual property rights
  • Comply with applicable laws and regulations
  • Maintain professional and educational standards
  • Avoid harmful, offensive, or inappropriate material

7.3 Content Moderation

We reserve the right to review, edit, or remove any user-generated content at our discretion, but we are not obligated to do so.

8. Intellectual Property Rights

8.1 Company IP

The Service and all its original content, features, functionality, software, and design are owned by OnlyHighYield, LLC and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.

8.2 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for personal, educational purposes in accordance with these Terms.

8.3 Restrictions

You may not:

  • Copy, modify, or create derivative works of Service content
  • Sell, license, or distribute Service materials
  • Use our trademarks or branding without permission
  • Remove or alter copyright notices or proprietary markings

8.4 DMCA Compliance

We respect intellectual property rights and respond to valid DMCA takedown notices. If you believe your copyrighted work has been infringed, please contact us with detailed information.

9. Privacy and Data Protection

9.1 Privacy Policy

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

9.2 Data Collection

We collect information necessary to provide and improve the Service, including account information, usage data, and performance metrics.

9.3 Data Security

We implement appropriate technical and organizational measures to protect your data, but cannot guarantee absolute security. You acknowledge that you provide information at your own risk.

9.4 International Users

If you access the Service from outside the United States, you consent to the transfer and processing of your data in the United States, which may have different privacy laws than your jurisdiction.

10. AI Technology and Accuracy Limitations

Important AI Technology Disclaimer

Our Service utilizes artificial intelligence technology. Understanding its limitations is crucial for appropriate use.

10.1 AI-Generated Content

The High-Yield Bot and other AI features generate responses based on training data and algorithms. This content:

  • May contain inaccuracies, errors, or outdated information
  • Should not be considered authoritative medical knowledge
  • May reflect biases present in training data
  • Can produce "hallucinations" (confident but incorrect responses)

10.2 Verification Responsibility

Critical Verification Requirement

You are solely responsible for verifying all AI-generated content against authoritative medical sources including official textbooks, peer-reviewed journals, NBME materials, and current clinical guidelines.

10.3 Continuous Improvement

We continuously work to improve AI accuracy but cannot eliminate all errors. Report any concerning inaccuracies to help us enhance the Service.

11. Service Availability and Modifications

11.1 Service Availability

While we strive for high availability, we cannot guarantee uninterrupted access to the Service. Downtime may occur due to maintenance, updates, technical issues, or circumstances beyond our control.

11.2 Maintenance and Updates

We may perform scheduled maintenance or deploy updates that temporarily affect Service availability. We will attempt to provide advance notice when possible.

11.3 Feature Changes

We reserve the right to modify, add, or remove Service features at any time. Significant changes will be communicated to users when feasible.

12. Account Termination and Suspension

12.1 Termination by User

You may terminate your account at any time by cancelling your subscription and discontinuing Service use. Termination does not entitle you to refunds for unused subscription periods.

12.2 Termination by Company

We may terminate or suspend your account immediately, without prior notice, for:

  • Violation of these Terms or our policies
  • Fraudulent or illegal activity
  • Non-payment of subscription fees
  • Abusive behavior toward other users or staff
  • Any conduct that damages or threatens the Service
  • At our sole discretion for business reasons

12.3 Effect of Termination

Upon termination:

  • Your access to the Service will cease immediately
  • Your account data may be deleted after a reasonable period
  • Outstanding payments remain due
  • Provisions that should survive termination will remain in effect

12.4 Survival

The following sections survive termination: Medical Disclaimer, Intellectual Property, Limitation of Liability, Indemnification, Dispute Resolution, and any other provisions that by their nature should survive.

13. Disclaimers and Warranties

Important Legal Disclaimers

These disclaimers limit our liability and set expectations for Service use. Please read carefully.

13.1 "As Is" Service

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

13.2 No Warranties

We specifically disclaim any warranties that:

  • The Service will meet your specific requirements
  • The Service will be uninterrupted, timely, secure, or error-free
  • Information obtained through the Service will be accurate or reliable
  • Defects in the Service will be corrected
  • The Service is free of viruses or harmful components

13.3 Educational Tool Disclaimer

The Service is intended as a supplementary educational tool only. We make no representations about its completeness, accuracy, or suitability for exam preparation or medical education.

13.4 Third-Party Content

Any third-party content, links, or services accessible through our Service are provided solely for your convenience. We do not endorse or assume responsibility for such third-party content.

14. Limitation of Liability

Important Liability Limitations

This section limits our financial responsibility. These limitations may not apply in all jurisdictions.

14.1 Exclusion of Damages

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL ONLYHIGHYIELD, LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION:

  • Loss of profits, revenue, or business opportunities
  • Loss of data or information
  • Cost of substitute services
  • Loss of goodwill or reputation
  • Exam failure or poor performance
  • Any other intangible losses

14.2 Cap on Direct Damages

Our total liability for any claim arising out of or relating to these Terms or the Service shall not exceed the amount you paid us in the twelve (12) months preceding the claim, or $100, whichever is greater.

14.3 Essential Terms

These limitations are essential elements of the agreement between us. The Service would not be provided without these limitations.

14.4 Jurisdictional Variations

Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability for incidental or consequential damages. In such jurisdictions, our liability is limited to the maximum extent permitted by law.

15. Indemnification

15.1 Your Indemnification Obligation

You agree to defend, indemnify, and hold harmless OnlyHighYield, LLC and its officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to:

  • Your use of the Service
  • Your violation of these Terms
  • Your violation of any rights of another party
  • Your user-generated content
  • Your negligent acts or omissions

15.2 Defense and Settlement

We reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you, and you agree to cooperate with our defense of such claims.

16. Dispute Resolution and Governing Law

16.1 Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions.

16.2 Mandatory Arbitration

Binding Arbitration Agreement

PLEASE READ THIS SECTION CAREFULLY - it affects your legal rights and eliminates your right to trial by jury for most disputes.

Any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules.

Arbitration Rules:

  • The arbitration will be conducted by a single arbitrator
  • The arbitration will take place in Delaware or via video conference
  • The arbitrator's decision will be final and binding
  • Each party bears their own costs and fees

16.3 Class Action Waiver

You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.

16.4 Opt-Out Right

You may opt out of this arbitration agreement by sending written notice to support@onlyhighyield.com within 30 days of account creation, stating your desire to opt out of arbitration.

16.5 Small Claims Court

Either party may pursue claims in small claims court if the claim qualifies and the court has jurisdiction.

16.6 Injunctive Relief

Nothing prevents either party from seeking injunctive or other equitable relief in court for intellectual property infringement or other irreparable harm.

17. Force Majeure

We shall not be liable for any failure or delay in performance under these Terms due to circumstances beyond our reasonable control, including but not limited to:

  • Acts of God, natural disasters, or severe weather
  • War, terrorism, civil unrest, or government actions
  • Internet outages or infrastructure failures
  • Pandemics or public health emergencies
  • Strikes, labor disputes, or supplier failures
  • Cyber attacks or security breaches

During such events, our obligations will be suspended to the extent affected, and we will make reasonable efforts to minimize disruption.

18. Severability and Entire Agreement

18.1 Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms remain in full force and effect.

18.2 Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published by us on the Service, constitute the entire agreement between you and us concerning the Service.

18.3 No Waiver

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

18.4 Assignment

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

19. Modifications to Terms

19.1 Right to Modify

We reserve the right to modify these Terms at any time at our sole discretion. When we make changes, we will:

  • Update the "Last Updated" date at the top of these Terms
  • Provide notice of material changes through the Service or by email
  • Give you at least 30 days' notice before material changes take effect

19.2 Acceptance of Changes

Your continued use of the Service after the effective date of revised Terms constitutes acceptance of the changes. If you do not agree to the modified Terms, you must discontinue use of the Service.

19.3 Material Changes

Material changes include modifications to:

  • Pricing or payment terms
  • Dispute resolution procedures
  • Limitation of liability provisions
  • Your rights or our obligations

20. Contact Information

If you have any questions about these Terms and Conditions, please contact us:

OnlyHighYield, LLC

Email: support@onlyhighyield.com

Legal inquiries: legal@onlyhighyield.com

We strive to respond to all inquiries within 48 hours during business days.

Thank you for choosing OnlyHighYield.com for your medical education journey. By using our Service, you're joining thousands of medical students who trust us as their study companion. We're committed to helping you succeed while maintaining the highest standards of educational integrity and user safety.