These Terms govern your use, the “Subscriber”, of the website, downloaded content, apps, and other products and services.  As some of this content is software that will be downloaded to your computer, phone, tablet, or other device, you agree to update this software, and these Terms apply to such updates.

Agreement between Subscriber and

The service consists of various web pages.  Access to these services is conditioned on your acceptance without modification of the terms, conditions, and notices contained herein.

Modification of these Terms of Use reserves the right to modify these terms and conditions.

Payment and Access

Upon paying for a subscription, access to all content will be given for the subscription period listed on  At the end of this subscription period, service will discontinue and no further payments will be made.

Extended Access Guarantee

To be eligible, a registered user must actively take the exam and not receive a passing score.  Access will be granted automatically at no charge to the original subscriber for the next sitting of the exam.  The products and services will be the same as were originally purchased.  This offer is only valid for consecutive exam sittings.  Because COVID is making it impractical for some people in certain states to sit for the exam in June, anyone who signs up after 3/6/21 will have continued access through 12/31/21.

Sam’s Refund Policy

Requests for a refund must be made within ten (10) business days from your date of purchase.  Sam will issue the refund for the full purchase amount, within thirty days from request.  If unable to sit for the Society of Actuaries Exam PA, for any personal, medical, or other reason, a full refund of this product will be provided upon receiving confirmation from the Prometric that the candidate did not sit for the exam.

Use of Communication Services contains an online discussion forum, chat areas, email communications, and document sharing which are intended to allow for collaboration and interaction between subscribers.  You agree to post, send, and share content and messages which will not:
Abuse, harass, threaten, or violate the legal rights of privacy or of publicity.
Distribute files which are malicious, intentionally misleading, unlawful, or protected by intellectual property laws.
Upload files or documents that contain material protected by intellectual property laws unless you own or control the rights or have received consent to do so from the owners.
Make use of data from other subscribers for purposes other than direct communication on the nature of preparation for Exam PA, such as collecting email addresses, names, or employers.
Upload copywrighted course materials to third partys or otherwise distribute them to individuals who are not the account owner including code snippets, computer files, documents, survey results, course videos, or any other communication which originated from the website reserves the right to remove any subscriber who violates these terms and conditions from the online discussion forum.

Liability Disclaimer

The content, videos, files, documents, or instructor communications included by may include typographical errors or other inaccuracies. may make changes to course content at any time. is not responsible for the candidate’s pass or fail result for the SOA’s Predictive Analytics Exam. makes no guarantees as to the availability, accessibility, accuracy, or reliability related to the course content, website, and online discussion forum whether created by or from the subscriber’s subscription.  To the maximum extent permitted by law, the parties shall not be liable for any indirect, incidental, special, or punitive damages, or any loss of profits or revenues, or the result of a failure on Exam PA, or loss of data, any defamatory, offensive, or illegal conduct by other subscribers.  In no event shall’s aggregate liability for all claims related to the use of services exceed the total fees received by from the user’s subscription.

Termination/Access Restriction reserves the right, at its own discretion, to terminate any subscriber’s access to, including the forum, access to videos, access to files, and any related services for any portion of time, without notice.

Opinion Disclaimer

This is a private website owned by AI Actuary.  Any views and opinions expressed are those of the website owner and do not represent those of people or organizations which they are associated with or employed by.

Contact Us

If you have any question about this Agreement, please feel free to contact us at