Terms of Use

Pass that Paper · Last updated: 23 July 2026

Please read these terms. They form an agreement between you and SUROS Systems Ltd and govern your use of the Pass that Paper app. By downloading or using the App, you agree to them. They do not affect your statutory rights as a consumer.

1. Who we are

Pass that Paper (“the App”) is provided by SUROS Systems Ltd, registered in England & Wales (company number 17358730), registered office 32 Field Lane, Appleton, Warrington, WA4 5JR (“we”, “us”, “our”). You can contact us at passthatpaper.app@gmail.com.

2. Acceptance of these terms

By downloading, accessing or using the App you confirm that you accept these Terms of Use and our Privacy Policy, and that you are at least 18 years old. If you do not agree, please do not use the App.

3. Your licence to use the App

We grant you a personal, non-exclusive, non-transferable, revocable licence to use the App on Apple-branded devices that you own or control, as permitted by the App Store Terms of Service and their Usage Rules, for your own private study. You must not: copy, resell, sub-licence, rent or redistribute the App or its content; extract, scrape or reproduce the question bank; reverse-engineer or attempt to derive the source code (except to the extent this restriction is prohibited by law); or use the App in any unlawful way, or to build a competing product.

4. Free content and Pass that Paper Pro subscription

Free access. The first chapter of each module is available free of charge so you can try the App.
Subscription. Pass that Paper Pro unlocks all remaining chapters and the mock exams across every module for £9.99 per month.
Billing. Payment is charged to your Apple Account on confirmation of purchase. The subscription renews automatically at £9.99/month unless you cancel it at least 24 hours before the end of the current period.
Managing and cancelling. You can manage or turn off automatic renewal at any time in your App Store account settings. Cancellation takes effect at the end of the current billing period, and you keep access until then.
Price changes. We may change the subscription price. We will give you reasonable notice in advance, and any change will apply from your next renewal. Where Apple requires it, we will ask you to confirm the new price before it takes effect.
Refunds. Purchases are made through Apple, so refund requests are handled by Apple under its policies. This does not affect the statutory rights described in section 5.

5. Your cancellation and consumer rights

As a consumer buying digital content at a distance, you normally have a 14-day right to cancel under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013. However, Pass that Paper Pro gives you immediate access to the paid content as soon as your subscription starts. By subscribing and beginning to use the paid content, you expressly ask us to start providing it straight away, and you acknowledge that you will lose the 14-day right to cancel once access has begun. You can still turn off automatic renewal at any time (see section 4), and this does not affect your other legal rights.

Under the Consumer Rights Act 2015, the digital content we provide must be as described, of satisfactory quality and reasonably fit for purpose. Nothing in these terms limits or excludes those rights. If something we supply does not meet those standards, you may be entitled to a repair, replacement or an appropriate refund — please contact us at passthatpaper.app@gmail.com and we will help. Refunds for App Store purchases are processed through Apple.

6. Intellectual property

The App and all of its content — including the question bank, explanations, text, design and software — are owned by SUROS Systems Ltd or our licensors and are protected by intellectual-property laws. Nothing in these terms transfers any ownership to you.

7. Independence and educational purpose

Pass that Paper is an independent study aid. It is not affiliated with, endorsed by, sponsored by or connected to the Chartered Insurance Institute (CII) or any examining body. “CII”, unit codes such as R01–R05, and examination names are used purely to identify the syllabus the App helps you revise, and remain the property of their respective owners.

The content is provided for examination-revision purposes only. While we work hard to keep it accurate and up to date, it is provided as a study aid and we do not warrant that it is complete, error-free, or that it reflects the very latest syllabus or figures. Using the App does not guarantee that you will pass any examination. The content is not financial, legal, tax or other professional advice, and you should not rely on it as such. This section does not affect your rights under section 5.

8. Availability

We aim to keep the App available and working, but we do not guarantee uninterrupted access. We may update, suspend or withdraw all or part of the App, and we may add, change or remove content from time to time.

9. Our liability

Nothing in these terms limits or excludes our liability where it would be unlawful to do so — including liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for your rights under the Consumer Rights Act 2015 (section 5).

Subject to that, we are not liable for any loss of examination outcome, loss of profit, or any loss that was not reasonably foreseeable at the time you started using the App. To the fullest extent permitted by law, our total liability to you arising out of or in connection with these terms or your use of the App is limited to the greater of the amount you have paid for the App (through Apple) in the 12 months before the claim, or £50. Your statutory rights as a consumer are not affected.

10. Apple App Store terms

You obtain the App through Apple's App Store, and you and we acknowledge the following:

These terms are between you and us only, not with Apple. Apple is not responsible for the App or its content.
Maintenance and support. We — not Apple — are solely responsible for providing any maintenance and support for the App. Apple has no obligation to furnish any maintenance or support services.
Warranty. To the maximum extent permitted by law, Apple has no warranty obligation for the App. If the App fails to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price of the App to you (if any); to the maximum extent permitted by law, Apple has no other warranty obligation. Any other claims, losses, liabilities, damages, costs or expenses attributable to a failure to conform to any warranty are our responsibility.
Product claims. We — not Apple — are responsible for addressing any claims by you or a third party relating to the App or your use of it, including product-liability claims, any claim that the App fails to conform to a legal or regulatory requirement, and claims arising under consumer-protection, privacy or similar legislation.
Intellectual-property claims. We — not Apple — are responsible for the investigation, defence, settlement and discharge of any third-party claim that the App, or your possession and use of it, infringes that third party's intellectual-property rights.
Third-party beneficiary. Apple and its subsidiaries are third-party beneficiaries of these terms, and upon your acceptance Apple has the right (and is deemed to have accepted the right) to enforce these terms against you.
Legal compliance. You confirm that you are not located in a country subject to a relevant embargo, and that you are not listed on any prohibited- or restricted-parties list.
Any questions, complaints or claims about the App should be directed to us at passthatpaper.app@gmail.com.

11. Ending these terms

You may stop using the App at any time and delete it. We may end your licence if you materially breach these terms. Sections that by their nature should survive (such as intellectual property, disclaimers and liability) continue to apply after your use ends.

12. Changes to these terms

We may update these terms from time to time. We will change the “Last updated” date above and, for significant changes, bring them to your attention within the App. Continuing to use the App after a change means you accept the updated terms.

13. Governing law

These terms are governed by the laws of England and Wales, and the courts of England and Wales have jurisdiction, except that if you live elsewhere in the UK you may bring proceedings in your home nation. Nothing here removes mandatory consumer protections available to you locally.

14. How to contact us and make a complaint

If you have a question or a complaint about the App, please contact us first at passthatpaper.app@gmail.com — we will do our best to put things right. Our details are:

SUROS Systems Ltd
32 Field Lane, Appleton, Warrington, WA4 5JR
passthatpaper.app@gmail.com