Terms of Service

MRCSbank.com — Operated by Cutting Edge

Last updated: April 2026

Please read these Terms of Service (the “Terms”) carefully before using MRCSbank.com (the “Service”). By creating an account, subscribing to, or otherwise using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

1. About us and these Terms

MRCSbank.com is operated by Cutting Edge, a sole trader business based in the United Kingdom (“we”, “us”, “our”).

Contact email: abdelrahman@mrcsbank.com

These Terms form a legally binding agreement between you (“you”, “the user”) and us. They are governed by the laws of England and Wales (see clause 14).

2. Eligibility

You may only use the Service if:

• You are aged 18 or over;
• You are a medical professional, medical student, or otherwise have a legitimate educational interest in the content; and
• You have the legal capacity to enter into a binding contract.

By creating an account, you confirm that you meet these requirements. We may suspend or terminate any account where we reasonably believe these requirements are not met.

3. Your account

To access the Service, you must create an account. You agree to:

• Provide a valid email address (your username may be a pseudonym);
• Keep your login credentials confidential and secure;
• Be responsible for all activity that occurs under your account; and
• Notify us promptly at abdelrahman@mrcsbank.com if you believe your account has been accessed without your permission.

Each account is for a single individual user. You may not share your login credentials, allow any other person to access the Service through your account, or transfer your account to anyone else. Sharing access is a material breach of these Terms and may result in immediate termination without refund.

4. Subscriptions, pricing and payment

The Service is offered on a paid subscription basis. Current plans range from approximately £10 to £60, covering periods from one month up to six months. Exact prices and plan terms are shown at checkout.

All payments are processed by our third-party payment provider, Stripe. We do not store your full payment card details. Your use of Stripe is also subject to Stripe’s own terms.

Subscription fees are charged in advance for the full subscription period selected (monthly, three-monthly, or six-monthly, as applicable). Unless your plan is expressly described as auto-renewing at checkout, your subscription will not renew automatically and you will need to purchase a new subscription period to maintain access.

All prices are in pounds sterling (GBP) and are inclusive of any applicable taxes unless stated otherwise. We reserve the right to change our prices at any time; price changes will not affect a subscription period you have already paid for.

5. Cancellation rights and refunds

We want our users to be satisfied with the Service. If you are unhappy with your subscription for any reason, please contact us at abdelrahman@mrcsbank.com and we will consider your refund request on a case-by-case basis.

Under the UK Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, you have a 14-day cooling-off period during which you can cancel a digital service contract for any reason and receive a refund, subject to certain exceptions for digital content that has begun to be supplied with your express consent.

Outside any statutory cancellation rights, refunds are at our discretion. Refunds, if granted, will normally be made to the original payment method within a reasonable period.

Nothing in this clause affects your statutory rights as a consumer under UK law.

6. Cancelling your subscription

You may cancel your subscription at any time from within your account settings, or by emailing us at abdelrahman@mrcsbank.com.

On cancellation:

• You will continue to have access to the Service until the end of your current paid subscription period;
• No further charges will be made;
• You will not receive a refund for any unused portion of the subscription period; and
• Your account, including your saved progress, quiz history, notes, and any associated data, will be deleted once your access period ends. You should download or save any information you wish to keep before cancellation takes effect, although we note that the Service does not generally permit downloading of content (see clause 8).

7. Suspension and termination by us

We may suspend or terminate your account, with or without notice, and without refund, if:

• You materially breach these Terms;
• You share your account or login details with any other person;
• You attempt to copy, scrape, download, screenshot, or otherwise extract content from the Service in breach of clause 8;
• You use the Service for any unlawful purpose or in a way that may damage, disable, or impair the Service or other users’ use of it;
• You initiate a chargeback or payment dispute that we reasonably believe to be unjustified;
• You behave abusively, threateningly, or unreasonably towards us or our staff; or
• We reasonably believe that continuing to provide the Service to you may expose us to legal liability.

We may also terminate the Service in whole or in part on reasonable notice, in which case we will refund any subscription fees you have paid for periods after termination on a pro-rata basis.

8. Content and intellectual property

All content made available through the Service, including all questions, answers, explanations, study notes, images, layout, design, branding, and accompanying materials (the “Content”), is owned by us or our licensors and is protected by UK and international copyright, trademark, and other intellectual property laws.

Subject to your compliance with these Terms, we grant you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable licence to access and view the Content for your own personal, non-commercial study purposes during the period of your active subscription.

You must not, and must not attempt to, and must not allow any third party to:

• Copy, reproduce, download, save, or print any Content (other than incidental copies made by your browser as a necessary part of viewing it);
• Take or distribute screenshots, screen recordings, or photographs of any Content;
• Republish, share, post, transmit, sell, or otherwise distribute any Content, in whole or in part, in any form or medium;
• Use the Content to create any derivative work, including question banks, revision summaries, or training materials;
• Use any automated means (including bots, scrapers, crawlers, or AI tools) to access, collect, or extract Content; or
• Remove, obscure, or alter any copyright, trademark, or other proprietary notices.

Any unauthorised use of the Content immediately terminates your licence and may result in legal action and/or termination of your account without refund. We actively monitor for misuse and reserve the right to pursue all available remedies.

9. Acceptable use

You agree not to use the Service:

• In any way that breaches any applicable law or regulation;
• To attempt to gain unauthorised access to the Service, our servers, or any related systems;
• To introduce any virus, trojan, worm, malicious code, or other harmful material;
• To interfere with or disrupt the integrity or performance of the Service; or
• In any manner that could harm us, other users, or any third party.

10. Service availability

We aim to keep the Service available at all times, but we do not guarantee uninterrupted access. The Service may be temporarily unavailable due to maintenance, technical issues, or circumstances beyond our reasonable control.

We do not guarantee that the Service or any specific content will be free from errors. While we take reasonable care to ensure the accuracy of our quiz content and notes, the Service is provided for educational purposes only and is not a substitute for clinical judgement, professional medical advice, or formal medical training. We make no representation that the Content is sufficient for, or guarantees success in, any examination or professional assessment.

11. Limitation of liability

Nothing in these Terms limits or excludes our liability for: death or personal injury caused by our negligence; fraud or fraudulent misrepresentation; or any other liability that cannot be limited or excluded under English law.

Subject to the above, and to the maximum extent permitted by law:

• We will not be liable for any loss of profits, loss of business, loss of revenue, loss of data, loss of goodwill, loss of opportunity, or any indirect or consequential loss;
• We will not be liable for any failure or unsuccessful outcome in any examination, professional assessment, or career-related decision made in reliance on the Service; and
• Our total aggregate liability to you in connection with these Terms or the Service, whether in contract, tort (including negligence), or otherwise, will not exceed the total amount you have paid us in the 12 months immediately preceding the event giving rise to the liability.

This clause does not affect your statutory rights as a consumer under UK law.

12. Privacy and data protection

We are a data controller for the personal data we process about you. We process your data in accordance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

Details of what data we collect, how we use it, and your rights are set out in our Privacy Policy, available at [INSERT URL TO PRIVACY POLICY].

13. Changes to these Terms

We may update these Terms from time to time. If we make material changes, we will notify you by email and/or by posting a notice on the Service before the changes take effect.

Your continued use of the Service after the updated Terms take effect constitutes acceptance of the new Terms. If you do not agree to the changes, you must stop using the Service and may cancel your subscription in accordance with clause 6.

14. Governing law and jurisdiction

These Terms, and any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with them or their subject matter, are governed by and construed in accordance with the laws of England and Wales.

You and we both agree that the courts of England and Wales will have exclusive jurisdiction to settle any such dispute or claim, except that if you are a consumer resident in another part of the UK, you may also bring proceedings in the courts of the part of the UK where you live.

15. General

Entire agreement: These Terms (together with our Privacy Policy) form the entire agreement between you and us regarding the Service.

Severability: If any part of these Terms is found to be unenforceable, the rest will remain in full force.

No waiver: Our failure to enforce any right under these Terms is not a waiver of that right.

Assignment: You may not transfer your rights under these Terms without our prior written consent. We may transfer our rights and obligations to another business, provided this does not adversely affect your rights.

Third-party rights: A person who is not a party to these Terms has no rights under the Contracts (Rights of Third Parties) Act 1999 to enforce them.

16. Contact and complaints

If you have any questions, concerns, or complaints about the Service or these Terms, please contact us at:

Cutting Edge
Email: abdelrahman@mrcsbank.com

We will aim to respond to all complaints within 14 days.