Terms of Service

1. About these terms

Accrue is operated by Vince Kosik, a sole trader based in Malta (“we”, “us”, “our”). By creating an account or using Accrue you agree to these terms. If you do not agree, please do not use the service. You can reach us at accrue4u@gmail.com.

2. The service

Accrue is an online study tool that provides practice questions and explanations for the ACCA Financial Accounting (FA) exam. It is a study aid only. We do not guarantee any particular exam result, and using Accrue is not a substitute for your own study and judgement.

3. Your account

You must be at least 16 years old to use Accrue. You agree to provide accurate information, to keep your password secure, and to be responsible for activity that happens under your account. Accounts are for a single person and may not be shared. Registration requires you to affirm that you are at least 16. If you believe an underage account has been created, contact accrue4u@gmail.com so we can investigate and restrict access or remove the data where required.

4. Free learning and questions

A free account includes three introductory FA learning paths and up to 20 unique question grants across topics. Questions count toward this allowance when a study session opens, rather than when an answer is submitted. The allowance does not reset each day. Your granted questions, previously answered questions, learning materials and progress remain available to revisit without a subscription. New questions beyond the free allowance require an active subscription.

5. Subscription and billing

A subscription costs 5 euro per month and is processed securely by Stripe. Your subscription renews automatically each month until you cancel. We may change the price in future, and if we do we will give you clear notice before the change applies to you.

6. Cancellation and refunds

To stop future renewals, sign in to your dashboard, choose Manage subscription and cancel in the Stripe portal before your next renewal. You keep access until the end of the period already paid for. If you cannot access the portal, contact accrue4u@gmail.com for help.

Cancellation of future renewals is separate from any statutory right to withdraw from the contract. EU consumers normally have 14 days from concluding the initial subscription contract to withdraw without giving a reason. Any longer period or additional rights required by applicable law remain available. Simply starting to use Accrue does not waive your statutory withdrawal rights.

To withdraw, use Withdraw from contract here or email an unequivocal statement to accrue4u@gmail.com before the applicable deadline. Include your name and enough details to identify the subscription, such as the account email and subscription date. The online form provides an immediate acknowledgement with your statement and receipt time as a downloadable text file. You may use any unequivocal statement, and the form is not mandatory.

Statutory refund rights and the remedies available for a service that does not conform to the contract are not limited by these terms. Contact accrue4u@gmail.com about payment errors or a withdrawal request.

7. Acceptable use

You agree to use Accrue for your own personal study only. You may not copy, scrape, resell, republish, or otherwise redistribute the questions, explanations, or any other content. You may not attempt to disrupt or gain unauthorised access to the service.

8. Intellectual property

All questions, explanations, and other content on Accrue are original material that we own or are licensed to use. We grant you a personal, non-transferable licence to use the content for your own study while your account is active. This licence does not allow you to share or reproduce the content.

9. Not affiliated with ACCA

Accrue is an independent study tool and is not affiliated with, endorsed by, or sponsored by the Association of Chartered Certified Accountants (ACCA). “ACCA” and “FA” are trademarks of their respective owner and are used only to describe the exam that Accrue helps you prepare for. All practice questions are original material and are not reproductions of any ACCA past exam papers.

10. Disclaimers and liability

Accrue is provided on an “as is” basis. We work hard to keep the content accurate and the service available, but we do not promise that it will be error free or uninterrupted. To the extent permitted by law, we are not liable for any indirect or consequential loss, or for any exam outcome. Nothing in these terms limits liability that cannot be limited under applicable law.

11. Changes to the service or terms

We may update the service and these terms from time to time. We will update the date at the top when we change these terms, and continued use of Accrue after a change means you accept the updated terms.

12. Governing law

These terms are governed by the laws of Malta, and the courts of Malta have jurisdiction, without affecting any mandatory consumer rights you have in your country of residence.