Terms of service

Last updated 4 November 2026

These terms are the agreement between you and Ailopin Digital, the business that makes MCC Vault ("we" and "us"). By creating an account or paying for a plan, you agree to them. Our privacy policy, refund and cancellation policy and medical disclaimer form part of these terms.

1. What MCC Vault is

MCC Vault is an online study programme for the MCCQE, the Medical Council of Canada's qualifying examination. It gives you lessons, flashcards, exam-format questions, checkpoints, full mock exams and related study tools, used in a web browser on your phone or computer.

MCC Vault is independent. It is not affiliated with or endorsed by the Medical Council of Canada. We work hard to prepare you well, but we cannot promise any exam result.

MCC Vault is for exam preparation only. It is not clinical advice. See the medical disclaimer.

2. Your account

• You must be 18 or over and sign up with an email address you can receive mail at.
• Your account is for you alone. It can be signed in on up to two devices at a time. Signing in on a third device signs out the one used longest ago.
• Keep your password safe. If you think someone else has used your account, email [email protected] straight away.

3. Plans and payment

• Free: all of Week 1, with no payment needed. Anyone who finishes Week 1, meaning every card and every Today's Quiz in it, also gets Week 2 free, which ends with the first checkpoint.
• Monthly: for weeks 2 to 20. In Nigeria, ₦20,000 a month. Elsewhere, ₦33,500 a month (about US$25). Pay by card and it renews each month until you cancel. Pay by bank transfer or USSD and you pay one month at a time.
• Whole course: 154 days (22 weeks) of full access, paid once. In Nigeria, ₦80,000. Elsewhere, ₦134,000 (about US$100).

All prices are charged in Nigerian naira. Outside Nigeria we show them in US dollars as a guide; your bank converts the naira amount at its own rate, so the amount in your currency can differ slightly, and your bank may add its own charges. The price that applies is the one shown when you pay. Payments are processed by Paystack, so your card or bank details go to Paystack and never to us. Payments show on your statement as AM Vault Services, the business that runs this app's payments.

We may change our prices. A change never affects time you have already paid for, and we will email monthly subscribers at least 14 days before a new price applies to them. Promo codes work only as described when they are given out, have no cash value and may have limits.

4. Renewals, pausing and cancelling

• A failed card renewal: you keep access for three days while you update your payment, and we remind you. After that, weeks 2 to 20 pause until a payment goes through. Your progress is kept.
• Pausing: if your exam date moves, you can pause a paid plan for up to 60 days. You are not charged while paused and the time left on your plan is saved. It starts again when you return, or automatically after 60 days.
• Cancelling: cancel any time in the app, under Settings, then Your plan. You keep access to the end of the period you have paid for, and your progress is kept if you come back.

Refunds are covered by our refund and cancellation policy.

5. Fair use

You agree not to:

• share your account or let anyone else study on it;
• copy, save in bulk, scrape, record, publish or sell MCC Vault's lessons, cards, questions or images;
• try to get around payments, access limits or security;
• use MCC Vault in a way that breaks the law or harms anyone.

We may suspend or close an account that breaks these terms. If we close a paid account for a reason that is not your fault, we will refund the unused part of your plan.

6. Our content

Everything in MCC Vault, including the text, questions, images, design and software, belongs to Ailopin Digital or is used with permission. All questions are original and written for MCC Vault. Your plan gives you a personal right, which you cannot transfer, to use the content for your own study while your plan is active.

7. AI features

Some features, such as Explain it another way and the note after a mock, are written by AI from MCC Vault's own lessons. They are always labelled. AI can make mistakes, so the lessons and the guidelines behind them come first. We may limit or pause AI features at any time. Your studying is never affected.

8. Accuracy and changes to the course

We write to current Canadian guidelines and to the Medical Council of Canada's published Examination Objectives, and update the content as guidance changes, but mistakes can happen. Every lesson, card and question has a Report an issue link, and we review every report. We may improve, add to or change the course. If a change substantially reduces what you paid for, you may cancel and get a refund for the unused time.

9. Availability

We aim to keep MCC Vault running at all times, but we cannot promise it will never be unavailable or never have errors. Your progress is saved on your device and to your account, and you can download a copy from Settings at any time.

10. Our responsibility to you

Nothing in these terms takes away rights you have under consumer protection law that cannot be excluded, such as those under Nigeria's Federal Competition and Consumer Protection Act 2018 or the consumer law of the country where you live. Apart from those rights, our total responsibility to you is limited to the amount you paid us in the 12 months before your claim, and we are not responsible for exam results, career, licensing or immigration decisions, or indirect losses.

11. Deleting your account

You can delete your account at any time in the app, under Settings. This deletes your progress and personal data as described in the privacy policy and stops any plan that renews. Deleting your account does not by itself give a refund.

12. Changes to these terms

We may update these terms. If a change matters, we will tell you by email or in the app at least 14 days before it applies. If you keep using MCC Vault after that, the new terms apply.

13. The law that applies

These terms are governed by the laws of the Federal Republic of Nigeria. If something goes wrong, please contact us first so we can try to put it right.

Contact

MCC Vault, Ailopin Digital. Email [email protected].