Legal For USA Digital millennium copyright act (dmca) policy Effective Date: September 9, 2026 IQBID Helios Limited ("Company," "we," "us," or "our") respects the intellectual property rights of others and expects its users to do the same. In accordance with the Digital Millennium Copyright Act of 1998 ("DMCA"), the text of which may be found on the U.S. Copyright Office website at https://copyright.gov, we will respond expeditiously to claims of copyright infringement committed using our online platform, service, or website (collectively, the "Service"). Please note that our Service operates as an aggregator of third-party artificial intelligence (AI) models. Outputs are generated automatically by third-party technology in response to user-submitted prompts and files. If you believe that any content hosted on or generated through our Service infringes your copyright, please follow the procedures outlined below. 1. Designated copyright agent The Company’s Designated Copyright Agent to receive notifications of claimed infringement is: Attn: Copyright Agent / Legal Department Company Name: IQBID Helios Limited Сompany number: 252002 Registered office: Suite 9, Ansuya Estate, Royal Street, Victoria, Mahe, Seychelles Email Address: dmca@iqbid.ai For a notice to be effective under the DMCA, it must be sent to the Designated Copyright Agent listed above via email or written communication. 2. Notification of copyright infringement (takedown notice) If you are a copyright owner, authorized to act on behalf of one, or authorized to act under any exclusive right under copyright, please report alleged copyright infringements taking place on or through the Service by submitting a written DMCA Notice containing the following information: Identification of the copyrighted work that you claim has been infringed, or, if multiple copyrighted works are covered by a single notification, a representative list of such works. Identification of the material or output that you claim is infringing (or to be the subject of infringing activity) and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit us to locate the material (including the specific URL link, screenshot, and/or prompt details). Information reasonably sufficient to permit us to contact you, such as your physical address, telephone number, and, if available, an email address. A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law. A statement that the information in the notification is accurate, and under penalty of perjury, that you are the copyright owner or authorized to act on behalf of the owner of an exclusive right that is allegedly infringed. A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed. Failure to include all of the above information may result in a delay or rejection of your DMCA notice. 3. How we process takedown notices Upon receipt of a valid and complete DMCA Notice, Company will take the following steps: Expeditiously remove or disable access to the allegedly infringing material. Notify the user who submitted the prompt/file or generated the output that we have removed or disabled access to the material. Log the incident as part of our Repeat Infringer Policy. 4. Counter-notification procedures If you receive a notification from us that content generated or uploaded by you has been removed due to a copyright infringement claim, and you believe this occurred by mistake or misidentification, you may elect to file a Counter-Notice. To be effective, a Counter-Notice must be a written communication sent to our Designated Copyright Agent that includes substantially the following: Identification of the material that has been removed or to be disabled and the location at which the material appeared before it was removed or disabled. A statement under penalty of perjury that you have a good faith belief that the material was removed or disabled as a result of mistake or misidentification of the material to be removed or disabled. Your name, address, telephone number, and email address. A statement that you consent to the jurisdiction of the Federal District Court for the judicial district in which your address is located (or, if your address is outside of the United States, that you consent to the jurisdiction of any United States Federal District Court where the Company may be found), and that you will accept service of process from the person who provided the original DMCA notification or an agent of such person. Your physical or electronic signature. Upon receipt of a valid Counter-Notice, we will forward it to the original complaining party. If the copyright owner does not file a court action seeking a court order against you within ten (10) to fourteen (14) business days, we are permitted by law to restore the removed material or cease disabling access to it. 5. Repeat infringer policy In accordance with the DMCA and other applicable laws, Company has adopted a strict policy of terminating, in appropriate circumstances and at Company's sole discretion, users who are deemed to be repeat infringers. Company may also, at its sole discretion, limit access to the Service and/or terminate the accounts of any users who infringe any intellectual property rights of others, whether or not there is any repeat infringement. 6. Important disclaimer and warning UNDER SECTION 512(f) OF THE DMCA, ANY PERSON WHO KNOWINGLY MATERIALLY MISREPRESENTS THAT MATERIAL OR ACTIVITY IS INFRINGING MAY BE SUBJECT TO LIABILITY FOR DAMAGES, INCLUDING COSTS AND ATTORNEYS' FEES, INCURRED BY THE ALLEGED INFRINGER, BY ANY COPYRIGHT OWNER OR COPYRIGHT OWNER'S AUTHORIZED LICENSEE, OR BY US. If you are unsure whether the material you are reporting is actually infringing, we strongly recommend contacting an attorney before filing a notice with us. Terms of service Effective Date: September 9, 2026 Welcome to our Service. These Terms of Service ("Terms") constitute a legally binding agreement made between you, whether personally or on behalf of an entity ("you," "user," or "consumer"), and IQBID Helios Limited, a company incorporated and registered under the laws of the Republic of Seychelles with international business company registration number 252002 and having its registered office at Suite 9, Ansuya Estate, Royal Street, Victoria, Mahe, Seychelles (the "Company," "we," "us," or "our"). These Terms govern your access to and use of our artificial intelligence (AI) model aggregation platform, user interface, website, and related applications (collectively, the "Service"). By creating an account, transacting, or using the platform, you agree to be bound by these terms, which apply exclusively to users in the United States. Please read these Terms carefully before accessing the Service. By interacting with the service, you agree to these terms: FEES, COMPUTATIONAL PACKAGES, AND BILLING TERMS 1. Subscription Plans and Fees (a) Hybrid Billing Model: The Service operates on a non-recurring, pre-paid hybrid model consisting of structural functional access tiers (each, a "Subscription Plan") and usage-based computational credits ("IQBID Tokens"). By selecting a specific Subscription Plan, you agree to pay IQBID Helios Limited (the "Company") a company incorporated under the laws of the Republic of Seychelles with registered company number 252002 and having its registered office Suite 9, Ansuya Estate, Royal Street, Victoria, Mahe, Seychelles,  the designated one-time fee indicated for that selected option. All transactions for US users are securely processed by authorized third-party providers of the Company's payment infrastructure, including financial processing entities and payment institutions (collectively, "Payment Processors"). You authorize the Company and its partner Payment Processors to charge all applicable fees from the payment method you specify, including any statutory sales taxes and transaction processing fees. (b) Functional Access Limits: Purchasing a Subscription Plan grants you a time-limited, non-exclusive, non-transferable right to access specific interface functionalities and feature sets of the software platform (e.g., text generation only vs. full enterprise suite) for a designated calendar period (e.g., 1 month, 6 months). These plans are strictly transactional and do not automatically renew. Upon the calendar conclusion of the pre-paid timeframe, your access to that specific software tier and functional interface will automatically expire unless you execute a new individual purchase transaction. (c) Proprietary IQBID Token Definition: Each Subscription Plan includes a designated allocation of computational units of measurement known as "IQBID Tokens" used within the interface to calculate and limit the consumption of computer processing power, API execution costs, and server database bandwidth when routing data to aggregated third-party models. IQBID Tokens are internal, non-crypto, proprietary technical metrics. They do not constitute, represent, or mirror any form of virtual currency, cryptocurrency, digital asset, financial security, investment instrument, or property right under any jurisdiction. IQBID Tokens possess zero cash value, are completely non-transferable between different user accounts, and are strictly non-redeemable for fiat currency, cryptocurrency, or any other real-world monetary value outside the Service platform. 2. Pre-Paid Access Only (No Automatic Renewals) (a) Pre-Paid Access Only: The Service operates strictly on a one-time, pre-paid basis for a designated timeframe, with no recurring charges, automatic renewals, or hidden billings. Access suspends upon expiration until a new purchase is made. All purchases are final. (b) Non-Expiration and Token Carry-Over Rule: IQBID Tokens do not expire at the end of a Subscription Plan period. Unused tokens are fully preserved and carried over to your global account balance. (c) Utilization of Carried-Over Balances: Carried-over tokens remain in your account and can be used for subsequent plan purchases or across other integrated company platforms. 3. Immediate Consumption of Digital Services The Service provided constitutes the immediate provision of digital content, automated software processing, and real-time operational access to aggregated third-party Artificial Intelligence (AI) models and underlying computing infrastructures, with full service activation occurring immediately upon payment authorization. 4. Strict No-Refund and No-Credit Policy EXCEPT AS EXPRESSLY REQUIRED BY APPLICABLE MANDATORY CONSUMER PROTECTION LAWS, ALL FEES AND CHARGES PAID TO THE COMPANY ARE STIPULATED AS FINAL, FULLY EARNED UPON RECEIPT, AND STRICTLY NON-REFUNDABLE. No refunds, partial credits, or pro-rated balances will be issued under any circumstances, including unused subscription periods, AI output dissatisfaction, third-party infrastructure downtime, or unspent IQBID Tokens, which remain valid on your balance without expiration and have no cash value . 5. Usage-Based Limits (Tokens and Prompts) Each purchased Subscription Plan features specific quantitative and technical usage limits, governing both the available functional software interface and your allocated computational credit balance. (a) Expiration of Interface Access: The structural right to access specific workspace capabilities, interface features, or distinct high-tier software контуры under your chosen Subscription Plan will automatically expire, lock, and cease to function upon the exact calendar conclusion of the pre-paid billing timeframe (e.g., 30 calendar days from the date of purchase), with no automatic roll-over of operational interface access rights. (b) Preservation of Computational Balances: Unlike structural interface access, any unused, unspent, or active computational IQBID Tokens remaining in your account dashboard at the calendar conclusion of your active Subscription Plan timeframe are explicitly preserved, do not expire, and shall safely carry over to your account profile as a permanent computational balance. (c) Legal and Non-Monetary Status: Carried-over IQBID Tokens possess absolutely zero independent commercial or cash value, do not accrue interest, are strictly non-transferable between separate user accounts, and are completely non-redeemable for fiat currency, cryptocurrency, or any other real-world financial assets. These tokens are designed solely to calculate data throughput within the Company's integrated product ecosystem and can be utilized in future computing cycles subject to technical infrastructure availability and your active account standing. 6. Fraud Prevention and Chargeback Policy The Company employs automated fraud detection and verification tools with payment processors. Because digital access and non-expiring IQBID Tokens are provisioned instantly upon payment, a zero-tolerance policy applies to unauthorized or fraudulent payment disputes. Initiating a bad-faith chargeback or reversal for delivered credits or subscriptions constitutes a material breach of this Agreement. Upon a chargeback notice, the Company may immediately execute the following actions without prior notice: (a) Immediate Infrastructure Ban: Terminate the User Account and block network access; (b) Contractual Balance Forfeiture: Forfeit remaining balances and unspent tokens as a pre-agreed contractual penalty; and (c) Global Credit Reporting: Report fraudulent activity to financial risk databases and reporting bureaus. Users explicitly agree to contact billing@iqbid.ai to resolve billing discrepancies before initiating formal bank disputes. 7. Disclaimer of Warranties THE SERVICE AND ALL INTERFACE CONTENT, GENERATED RESPONSES, AND AI OUTPUTS ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMITTED BY LAW, IQBID HELIOS LIMITED EXPLICITLY DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. THE COMPANY DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, COMPLETELY SECURE, ERROR-FREE, OR THAT THE SYNTHETIC RESPONSES GENERATED BY ACCREDITED THIRD-PARTY AI MODELS (INCLUDING OPENAI AND GOOGLE) WILL BE ACCURATE, CORRECT, RELIABLE, OR FREE FROM RADICAL MACHINE "HALLUCINATIONS." YOU UTILIZE THE GENERATED OUTPUTS AND PLATFORM INFRASTRUCTURE ENTIRELY AT YOUR OWN DISCRETION AND RISK. 8. Limitation of Liability TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL IQBID HELIOS LIMITED, ITS DIRECTORS, EMPLOYEES, OR API PARTNERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, LOSS OF REVENUE, DATA FAILURE, LOSS OF REPUTATION, OR SYSTEM DOWN-TIME, ARISING OUT OF OR IN CONNECTION WITH YOUR ACCESS TO OR INABILITY TO USE THE SERVICE. THE COMPANY'S MAXIMUM AGGREGATE LIABILITY FOR ANY VALID CLAIMS AND DISPUTES ARISING UNDER THESE TERMS OF SERVICE SHALL BE STRICTLY LIMITED TO THE ACTUAL MONETARY AMOUNT PAID BY YOU TO THE COMPANY FOR YOUR CURRENT ACTIVE SUBSCRIPTION PLAN TIER AND ASSOCIATED UNUSED IQBID TOKENS DURING THE ONE (1) MONTH IMMEDIATELY PRECEDING THE INITIAL DISPUTE NOTICE. GOVERNING LAW AND DISPUTE RESOLUTION (ARBITRATION AGREEMENT) 1. Mandatory Binding Individual Arbitration PLEASE READ THIS SECTION CAREFULLY – IT MAY SIGNIFICANTLY AFFECT YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT. YOU AND THE COMPANY AGREE THAT ANY DISPUTE, CLAIM, OR CONTROVERSY ARISING OUT OF OR RELATING TO THESE TERMS OF SERVICE, THE SERVICE, THE BREACH, TERMINATION, ENFORCEMENT, INTERPRETATION, OR VALIDITY THEREOF, OR THE USE OF THE SERVICE (COLLECTIVELY, "DISPUTES") SHALL BE RESOLVED EXCLUSIVELY BY BINDING, INDIVIDUAL ARBITRATION, RATHER THAN IN A COURT OF GENERAL JURISDICTION. YOU AND THE COMPANY EXPLICITLY WAIVE THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION LAWSUIT. 2. Informal Dispute Resolution Required BEFORE INITIATING ANY FORMAL ARBITRATION PROCEEDINGS, YOU AND THE COMPANY AGREE TO ATTEMPT TO RESOLVE THE DISPUTE INFORMALLY. (A) TO INITIATE THIS PROCESS, YOU MUST SEND A DETAILED WRITTEN NOTICE OF YOUR CLAIM (A "DISPUTE NOTICE") TO OUR LEGAL DEPARTMENT VIA EMAIL AT LEGAL@IQBID.AI. (B) THE DISPUTE NOTICE MUST CONTAIN YOUR FULL NAME, REGISTERED EMAIL ADDRESS, A DESCRIPTION OF THE NATURE AND BASIS OF THE CLAIM, AND THE SPECIFIC RELIEF SOUGHT. (C) YOU AND THE COMPANY AGREE TO NEGOTIATE IN GOOD FAITH TO RESOLVE THE DISPUTE FOR A PERIOD OF SIXTY (60) CALENDAR DAYS FOLLOWING RECEIPT OF THE DISPUTE NOTICE. IF THE DISPUTE IS NOT RESOLVED WITHIN THIS SIXTY (60) DAY PERIOD, EITHER PARTY MAY PROCEED TO FILE FOR FORMAL ARBITRATION. 3. Arbitration Rules and Forum THE ARBITRATION SHALL BE ADMINISTERED AND CONDUCTED BY THE AMERICAN ARBITRATION ASSOCIATION ("AAA") IN ACCORDANCE WITH ITS CONSUMER ARBITRATION RULES AND/OR COMMERCIAL ARBITRATION RULES, AS APPLICABLE (THE "AAA RULES"). THE AAA RULES ARE AVAILABLE ONLINE AT WWW.ADR.ORG. THE ARBITRATION PROCEEDINGS SHALL BE CONDUCTED ENTIRELY IN THE ENGLISH LANGUAGE. UNLESS OTHERWISE AGREED BETWEEN THE PARTIES, THE ARBITRATION SHALL TAKE PLACE REMOTELY VIA TELECONFERENCE OR VIDEO CONFERENCE, OR BASED SOLELY ON WRITTEN SUBMISSIONS, TO MINIMIZE COSTS FOR BOTH PARTIES. 4. Arbitrator's Authority and Decisions THE ARBITRATION SHALL BE PRESIDED OVER BY A SINGLE, NEUTRAL ARBITRATOR APPOINTED IN ACCORDANCE WITH AAA RULES. THE ARBITRATOR SHALL HAVE THE EXCLUSIVE AUTHORITY TO RESOLVE ALL DISPUTES REGARDING THE INTERPRETATION, APPLICABILITY, ENFORCEABILITY, OR FORMATION OF THIS ARBITRATION AGREEMENT, INCLUDING ANY CLAIM THAT ALL OR ANY PART OF THESE TERMS IS VOID OR VOIDABLE. THE ARBITRATOR’S DECISION AND AWARD SHALL BE FINAL, BINDING, AND NON-APPEALABLE, AND JUDGMENT ON THE AWARD RENDERED BY THE ARBITRATOR MAY BE ENTERED IN ANY COURT HAVING COMPETENT JURISDICTION THEREOF. THE ARBITRATOR MAY AWARD DECLARATORY OR INJUNCTIVE RELIEF ONLY IN FAVOR OF THE INDIVIDUAL PARTY SEEKING RELIEF AND ONLY TO THE EXTENT NECESSARY TO PROVIDE RELIEF WARRANTED BY THAT PARTY'S INDIVIDUAL CLAIM. 5. Class Action and Jury Trial Waiver YOU AND THE COMPANY EXPLICITLY AGREE THAT EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. FURTHER, UNLESS BOTH YOU AND THE COMPANY AGREE OTHERWISE IN WRITING, THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS, AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A REPRESENTATIVE OR CLASS PROCEEDING. 6. Allocation of Arbitration Costs and Fees PAYMENT OF ALL FILING, ADMINISTRATION, AND ARBITRATOR FEES WILL BE GOVERNED BY THE AAA'S RULES. FOR ANY INDIVIDUAL, NON-FRIVOLOUS CLAIM WHERE THE TOTAL VALUE OF THE DISPUTED SUBSCRIPTION PLAN OR UNUSED IQBID TOKENS DOES NOT EXCEED $10,000 (USD), THE COMPANY AGREES TO PAY ITS CONTRACTUAL SHARE OF THE AAA ADMINISTRATIVE FEES, PROVIDED THAT YOU FULLY COMPLY WITH THE INFORMAL DISPUTE RESOLUTION PROCEDURE OUTLINED IN SECTION 2. EACH PARTY SHALL BEAR ITS OWN ATTORNEYS' FEES AND LEGAL EXPENSES UNLESS THE ARBITRATOR EXPLICITLY DETERMINES THAT EITHER THE SUBSTANCE OF THE CLAIM OR THE RELIEF SOUGHT WAS FRIVOLOUS OR BROUGHT FOR AN IMPROPER PURPOSE (AS MEASURED BY THE INFRASTRUCTURE STANDARDS SET FORTH IN FEDERAL RULE OF CIVIL PROCEDURE 11(B)). 7. Opt-Out Procedure YOU HAVE THE RIGHT TO OPT OUT OF THIS ARBITRATION AGREEMENT AND THE CLASS ACTION WAIVER. TO DO SO, YOU MUST SEND A CLEAR, WRITTEN OPT-OUT NOTICE VIA EMAIL TO LEGAL@IQBID.AI WITHIN THIRTY (30) CALENDAR DAYS FROM THE DATE YOU FIRST REGISTER YOUR USER ACCOUNT OR ACCESS THE SERVICE. YOUR OPT-OUT EMAIL MUST INCLUDE: (A) YOUR FULL LEGAL NAME; (B) YOUR REGISTERED ACCOUNT EMAIL ADDRESS; AND (C) A UNEQUIVOCAL STATEMENT THAT YOU DECLINE THIS ARBITRATION AGREEMENT. 8. Governing Law and Non-Arbitrable Venue You and the Company explicitly agree that the Federal Arbitration Act (FAA) of the United States shall govern the interpretation, enforcement, performance, and formation of this entire Arbitration Agreement (Sections 1 through 8), to the maximum extent permitted by law, notwithstanding any choice of law provisions set forth below. If you successfully execute the opt-out procedure under Section 7, or if all or any designated part of this Arbitration Agreement is judicially determined by a court of competent jurisdiction to be void, voidable, or legally unenforceable, you and the Company agree that all remaining structural sections of these Terms of Service will continue to apply in full force. In all such non-arbitrable instances or litigation exceptions, these Terms of Service and any underlying Disputes shall be governed strictly by, and construed in accordance with, the substantive laws of the Republic of Seychelles, without giving effect to any principles of conflicts of law. Furthermore, any formal legal action, trial, or judicial proceeding arising from non-arbitrable matters, or brought following a valid arbitration opt-out, shall be initiated and maintained exclusively before the competent civil courts located in Victoria, Mahé, Republic of Seychelles. Both parties hereby explicitly and irrevocably consent to the personal jurisdiction, venue, and forum of such Seychelles courts and waive any objections based on inconvenient forum (forum non conveniens). 9. Changes to Terms and Effective Date (a) Effective Version: These Terms of Service are effective and legally binding upon users as of the "Effective Date" indicated at the top of this document. Any interactions, purchases, or data executions on the Service are governed strictly by the version of the Terms active on the precise date of such transaction. (b) Right to Modify: The Company reserves the absolute unilateral right to update, amend, modify, or completely replace any part of these Terms, including changing the structural parameters of Subscription Plans or the operational definition of IQBID Tokens, at any time to reflect infrastructure changes, technological updates, or regulatory shifts. (c) User Responsibility to Monitor: The Company will indicate changes by updating the "Effective Date" or "Last Updated" stamp at the top of this page. The Company is not obligated to send individual email notifications regarding policy updates. It is your sole personal responsibility to check this page periodically to maintain awareness of the current legal framework. Your continued access to or use of the Service following the publication of any modifications constitutes your immediate, absolute, and irrevocable acceptance of the updated Terms. If you do not agree to the updated terms, your sole remedy is to cease utilizing the Service immediately. 10. Contact information For any administrative inquiries, billing questions, technical support requirements, or to transmit a formal legal notice under these Terms of Service, please contact our corporate infrastructure and legal operations team at: Email Communication: legal@iqbid.ai Billing Support Email: billing@iqbid.ai Attn: Legal Operations Department Corporate Entity Name: IQBID Helios Limited Сompany number: 252002 Registered office: Suite 9, Ansuya Estate, Royal Street, Victoria, Mahe, Seychelles Privacy policy Effective Date: September 8, 2026 IQBID Helios Limited ("Company," "we," "us," or "our") a company incorporated under the laws of the Republic of Seychelles with registered company number 252002 and having its registered office Suite 9, Ansuya Estate, Royal Street, Victoria, Mahe, Seychelles respects your privacy and is committed to protecting your personal information. This Privacy Policy applies exclusively to users who reside in the United States of America ("US Users") and access or use our artificial intelligence (AI) model aggregation service, website, and related software applications (collectively, the "Service"). This Privacy Policy describes how we collect, use, disclose, retain, and protect your personal information, including specific disclosures required under state data privacy laws, such as the California Consumer Privacy Act of 2018, as amended by the California Privacy Rights Act of 2020 (collectively, "CCPA/CPRA"), and similar comprehensive state privacy frameworks. 1. Information we collect In the preceding twelve (12) months, we have collected, and may continue to collect, the following categories of personal information from US Users: Identifiers: Name, email address, online identifier, Internet Protocol (IP) address, and account login credentials. Commercial and Transactional Metrics (Non-Crypto Assets Standing): The Company processes records of your commercial interactions, pre-paid financial transactions, selected payment currencies, and billing statuses synchronized with our infrastructure Payment Processors. This category explicitly encompasses internal records regarding your purchased Subscription Plans and the active consumption, utilization, or permanent carry-over balances of computational credit units (the "IQBID Tokens"). In strict alignment with our Terms of Service, IQBID Tokens represent exclusively internal, proprietary, non-crypto technical metrics used solely to calculate data throughput, API execution costs, and server bandwidth consumption for artificial intelligence data generations within the Service interface. They do not constitute, represent, or mirror virtual currencies, crypto-assets, digital utilities, stablecoins, digital securities, or investment instruments under any state or federal jurisdiction. IQBID Tokens possess absolutely zero cash value, are entirely non-transferable, and remain strictly non-redeemable for fiat currency, cryptocurrency, or real-world monetary values. Internet or Other Electronic Network Activity: Browsing history, search history, device type, operating system, IP address, and information regarding your interaction with our Service's user interface. User-Generated AI Input Data: The text prompts, inputs, queries, and any digital files (including images, documents, audio, or metadata) that you upload, submit, or transmit directly into the interface of our Service (collectively, "User Inputs"). AI-Generated Output Data: Content automatically generated by third-party artificial intelligence models in response to your User Inputs (collectively, "Outputs"). 2. How we use your information We process and use the collected personal information for the following commercial and business purposes: Service Delivery: To provision your account, maintain your Subscription Plan, execute prompt requests, and route data seamlessly to aggregated third-party AI models. Billing and Infrastructure Support: To manage multi-currency transactional billing for chosen Subscription Plans through "Payment Processors", process legitimate transactions, and mitigate transaction fraud. AI Model Optimization and Training: To analyze user engagement patterns, evaluate model performance, and actively train, retrain, or fine-tune our internal software, algorithmic routing matrices, and specialized AI models based on your User Inputs and generated Outputs and associated IQBID Tokens interaction data. Security and Compliance: To enforce our Usage Policy, detect and prevent malicious or illegal activity, satisfy legal mandates, and defend against potential corporate liability or intellectual property claims. 3. How we disclose and share your information To deliver an aggregation service, your data must be transmitted to third parties. We do not sell your traditional personal identifiers (like your name or email) to data brokers. However, we disclose information under the following protocols: Third-Party AI Infrastructure Providers (Sub-processors): When you submit a prompt or file, it is automatically routed via API to independent AI infrastructure developers, including but not limited to OpenAI, LLC and Google LLC. These providers process data according to their commercial API enterprise agreements. Payment Infrastructure Providers: Financial logs and transactional identifiers are shared exclusively with "Payment Processors" and associated banking institutions to execute your Subscription Plan. Legal Mandates: We may disclose your information to federal or state law enforcement authorities if compelled by a valid legal subpoena, court order, or search warrant. 4. Notice of ai data training and user opt-out rights As established in Section 2, the Company reserves the right to utilize anonymized or de-identified versions of your User Inputs (including uploaded files) and Outputs for the explicit purpose of machine learning optimization and AI model training. YOUR PRIVACY CHOICES (OPT-OUT): If you prefer that your User Inputs and Outputs are not utilized by the Company for internal machine learning or algorithmic model training purposes, you possess the absolute right to opt out at any time. To exercise this right, you may: Navigate to your Account Dashboard, select the "Your Privacy Choices" or "Data Control" tab, and toggle the switch to disable AI Model Training; or Transmit an explicit written request via email to privacy@iqbid.ai stating your desire to restrict your inputs from model training activities. Opting out of data training will not degrade your core user experience, reduce your prompt capacity, or impact your billing terms under your active Subscription Plan or associated IQBID Tokens balance. 5. State-specific privacy rights (ccpa/cpra disclosures) If you are a resident of California (or states with equivalent privacy laws such as Virginia, Colorado, Connecticut, Utah, Texas, etc.), you possess specific statutory rights regarding your personal information: Right to Know and Access: The right to request that we disclose what personal information we collect, use, disclose, and sell about you over the past 12 months. Right to Delete: The right to request the deletion of your personal information collected or maintained by us, subject to specific regulatory exceptions (such as the necessity to deliver your active Subscription Plan limits or comply with financial record-keeping laws). Right to Correct: The right to request the rectification of inaccurate or outdated personal data stored within your account. Right to Opt-Out of the "Sale" or "Sharing" of Data: Under the broad statutory definitions of the CCPA, transferring user data to third-party AI models or utilizing files for machine learning might be interpreted as "sharing" data. You may restrict this via our "Your Privacy Choices" mechanism described in Section 4. Right to Non-Discrimination: We strictly prohibit any discriminatory pricing, latency degradation, or service denials against users who choose to assert their statutory privacy rights. To submit a formal request to access, correct, or delete your data, please email our privacy compliance officer at privacy@iqbid.ai with the subject line "State Privacy Rights Request." We will verify your identity using your registered account email before executing any request. 6. Data retention policy We retain your personal information, including historical billing records and login logs, for as long as your account remains active or as required to fulfill the business objectives outlined in this policy. User Inputs (uploaded files and texts) and Outputs are securely cached on our infrastructure to maintain your session history. Cached files are retained for a standard period of ninety (90) calendar days from submission, after which they are systematically overwritten or completely de-identified for ongoing security analysis, unless an active user selects to delete their history manually at an earlier date. 7. Third-party links and api redirections Our Service bridges to third-party technology providers. Once your prompts and files are securely transmitted via API to third-party networks (OpenAI, Google, etc.), their downstream processing becomes subject to their respective corporate privacy frameworks. We encourage you to review the developer terms of those individual AI model providers. 8. Changes to Terms and Effective Date (a) Effective Version: Privacy policy are effective and legally binding upon users as of the "Effective Date" indicated at the top of this document. Any interactions, purchases, or data executions performed on the Service are governed strictly by the specific version of the Privacy policy active on the precise calendar date of such transaction. (b) Right to Modify: The Company reserves the absolute unilateral right to update, amend, modify, or completely replace any part of these Privacy policy, including changing the pricing parameters of Subscription Plans or the operational definition and infrastructure throughput of IQBID Tokens, at any time to reflect software changes, technology updates, or regulatory shifts. (c) User Responsibility to Monitor: The Company will indicate policy updates by updating the "Effective Date" or "Last Updated" stamp at the top of this page. The Company is not obligated to dispatch individual email notifications regarding updates. It is your sole personal responsibility to check this page periodically to maintain active awareness of the current legal framework. Your continued access to or use of the Service following the publication of any modifications constitutes your immediate, absolute, and irrevocable acceptance of the updated Privacy policy. If you do not agree to the updated terms, your sole remedy is to cease utilizing the Service immediately. 9. Contact information For any inquiries, structural clarifications, or data requests regarding this US Privacy Policy, please contact our legal and privacy infrastructure team at: Email: privacy@iqbid.ai Attn: Data Privacy Protection Officer Company Name: IQBID Helios Limited Сompany number: 252002 Registered office: Suite 9, Ansuya Estate, Royal Street, Victoria, Mahe, Seychelles Consumer health data privacy policy Effective Date: September 8, 2026 IQBID Helios Limited ("Company," "we," "us," or "our") issues this Consumer Health Data Privacy Policy to comply with applicable state privacy laws regulation-mandated in the United States, including the Washington My Health My Data Act ("MHMDA"), Nevada Senate Bill 370, and equivalent statutory frameworks. This Policy applies exclusively to users residing in the United States ("US Users") who submit text prompts, structured queries, or digital files containing potential health-related information to our artificial intelligence (AI) model aggregation service (the "Service"). 1. Absolute medical disclaimer (no medical advice) THE COMPANY IS A TECHNOLOGY SOFTWARE AGGREGATOR. THE COMPANY IS NOT A MEDICAL PROVIDER, HEALTHCARE INSTITUTION, OR LICENSED MEDICAL PROFESSIONAL. THE SERVICE, INCLUDING ALL AUTOMATED OUTPUTS GENERATED BY THIRD-PARTY AI MODELS (E.G., OPENAI, GOOGLE), IS PROVIDED FOR GENERAL INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY. NO AUTOMATED OUTPUT CONSTITUTES, REPLACES, OR SHOULD BE INTERPRETED AS PROFESSIONAL MEDICAL ADVICE, DIAGNOSIS, CLINICAL INTERPRETATION, PROGNOSIS, OR TREATMENT. ALWAYS SEEK THE ADVICE OF YOUR PHYSICIAN OR OTHER QUALIFIED HEALTHCARE PROVIDER WITH ANY QUESTIONS YOU MAY HAVE REGARDING A MEDICAL CONDITION. NEVER DISREGARD PROFESSIONAL MEDICAL ADVICE OR DELAY IN SEEKING IT BECAUSE OF SOMETHING YOU HAVE READ ON OR GENERATED THROUGH THIS SERVICE. 2. Categories of consumer health data we may process Depending on how you interact with our aggregated AI models, you may voluntarily upload or input information that falls under the statutory definition of "Consumer Health Data" under US state laws. This includes: Information Regarding Health Conditions: Any text prompts describing physical or mental health conditions, clinical symptoms, diseases, syndromes, or medical histories. Medical Diagnostic Documentation and Images: Uploaded files, including but not limited to, photographs of dermatological conditions, digital copies of laboratory blood tests, medical imaging data (X-rays, MRIs), or pharmaceutical prescriptions. Biometric Data: Facial features or physiological structures processed from uploaded photographic inputs by the third-party generative vision models. Inferences: Technical conclusions or structured summaries generated automatically by the aggregated AI models regarding your health baseline based on your submitted User Inputs. 3. Purpose of processing and legal bases We collect, cache, and transmit Consumer Health Data strictly for the following operational reasons: Real-Time Generation: To forward your prompts and uploaded files via secure API to third-party AI models (Sub-processors) to execute the automated processing you explicitly request. Temporary Session Caching: To display your immediate historical workspace logs within your personal account dashboard. Strict Security Auditing: To evaluate whether submitted prompts violate our Usage Policy or contain prohibited materials. CRITICAL POLICY ENFORCEMENT: UNLESS YOU PROVIDE SEPARATE, EXPLICIT, AFFIRMATIVE CONSENT, THE COMPANY STRICTLY PROHIBITS THE UTILIZATION OF CONFIRMED CONSUMER HEALTH DATA CATEGORIES FOR INTERNAL SOFTWARE TRAINING, MACHINE LEARNING, OR CORPORATE MODEL FINE-TUNING ACTIVITIES. 4. Transmission to third-party sub-processors To deliver our aggregation functionality, your submitted health-related data must be transmitted to third-party artificial intelligence infrastructure developers (such as OpenAI, LLC and Google LLC) via encrypted API channels. These third parties process data as independent infrastructure providers. We do not sell, rent, monetize, or lease your Consumer Health Data to commercial data brokers, marketing firms, or insurance agencies under any circumstances. 5. Your statutory us privacy rights If you are a US resident, you possess distinct legal rights over your Consumer Health Data: Right to Confirm Processing & Access: The right to confirm whether we are processing health data about you and to obtain a list of all third-party sub-processors to whom your data has been transmitted via API. Right to Delete: The right to request the complete, permanent erasure of your cached personal health data and historical logs from our system and to compel our infrastructure providers to do the same. Right to Withdraw Consent: The right to immediately revoke any previous authorization regarding the processing or collection of your health data. To exercise any of these statutory rights, you must submit a formal verification request via email to our dedicated data privacy department at privacy@iqbid.ai with the subject line "Consumer Health Data Request." 6. Statutory contact and disclosure requirements This Consumer Health Data Privacy Policy is governed by the laws of the state jurisdiction of the consumer to the extent mandated by laws such as the Washington MHMDA. Any regulatory or consumer inquiries regarding our organizational data engineering pipelines can be submitted to: Email Contact: privacy@iqbid.ai Attn: Health Data Privacy Officer Company Name: IQBID Helios Limited Сompany number: 252002 Registered office : Suite 9, Ansuya Estate, Royal Street, Victoria, Mahe, Seychelles Acceptable usage policy Effective Date: September 8, 2026 This Acceptable Usage Policy ("AUP") defines the strictly prohibited activities and content restrictions governing your access to and use of the artificial intelligence (AI) model aggregation platform, website, and API infrastructure (collectively, the "Service") provided by IQBID Helios Limited ("Company," "we," "us," or "our"), a company incorporated under the laws of the Republic of Seychelles with registered company number 252002 and having its registered office Suite 9, Ansuya Estate, Royal Street, Victoria, Mahe, Seychelles. This AUP is integrated directly into, and forms an inseparable part of, our United States Terms of Service. It applies to all users accessing the Service from the United States ("US Users"). Our Service routes data to third-party AI developers (including OpenAI, LLC and Google LLC). Consequently, you are strictly required to comply not only with our internal standards but also with the downstream enterprise usage terms mandated by those underlying AI infrastructure networks. 1. Absolute prohibited categories of generation and content You represent, warrant, and agree that you will not submit any text prompts, instructions, structured queries, or digital files (including documents, images, audio, or metadata) (collectively, "User Inputs"), or attempt to generate any machine learning outputs (collectively, "Outputs"), that fall within the following prohibited classifications: A. Illegal Activity, Violence, and Physical Harm Weapons and Explosives: Developing instructions, blueprints, or operational guidance for fabricating, acquiring, or utilizing illegal firearms, ammunition, explosive devices, or chemical/biological weapons. Incitement of Violence: Generating content that incites, encourages, glorifies, or provides actionable instructions for committing acts of violence, self-harm, suicide, cyber-terrorism, or physical assault against individuals or groups. B. Child Exploitation and Abuse Material (CSAM) Absolute Zero-Tolerance: Submitting, generating, hosting, or requesting any material related to Child Sexual Abuse Material (CSAM) or Child Sexual Exploitation and Abuse (CSAE). Any attempt to utilize our aggregated models to process, mutate, or render content involving minors in a sexually suggestive or exploitative context will result in immediate termination and federal law enforcement reporting. C. Deception, Misrepresentation, and Political Fraud Political Disinformation: Utilizing generative text or vision models to execute coordinated influence operations, generate artificial political campaign materials, or create deepfakes of public officials, candidates, or private individuals without explicit statutory consent. Plagiarism and Human Mimicry: Misrepresenting AI-generated Outputs as being entirely authored or executed by a human being, particularly in academic, professional, legal, or journalistic environments where human authorship is a material requirement. Impersonation: Generating text, audio, or behavioral profiles to impersonate an actual physical individual or entity to commit financial wire fraud or identity theft. D. Cybersecurity Threats and Malicious Code Malware Engineering: Directing AI models to write, debug, optimize, or reverse-engineer exploits, ransomware, spyware, Trojans, or payloads designed to compromise computing systems. Social Engineering and Phishing: Generating fraudulent emails, baiting scripts, spear-phishing materials, or deceptive landing page copy designed to extract credentials or sensitive financial data from consumers. E. Financial and Medical Misrepresentation Unlicensed Advisory: Forcing models to generate definitive financial plans, speculative market trading buy/sell signals, legal contracts, or medical treatment regimens while falsely staging the output as licensed professional advice. 2. Infrastructure protections and reverse engineering You are strictly prohibited from attempting to compromise the security, economic framework, or operational integrity of our Service. Prohibited actions include: Jailbreaking and Prompt Injection: Employing advanced semantic manipulation, adversarial inputs, or hidden code blocks designed to bypass the safety guidelines, moderation filters, or content restrictions of our Service or the underlying third-party APIs. Scraping and Data Extraction: Utilizing automated scrapers, bots, crawlers, or extraction tools to harvest synthetic training data, user histories, proprietary prompt matrices, or underlying model weights from our infrastructure. Account Structuring: Creating multiple duplicate accounts to evade subscription limits, abuse free tier prompt allocations, or obfuscate payment footprints monitored by Payment Processors. 3. Real-time ai moderation and compliance monitoring To satisfy our statutory compliance duties and protect our enterprise API infrastructure: Automated Screening: Every User Input and generated Output is automatically processed through real-time, automated safety filters and classification models before being dispatched to downstream providers (OpenAI, Google, etc.). Human Review: The Company reserves the legal right to review historical system logs, chat records, and submitted files when an automated alert flags a high-probability violation of this AUP. 4. Strict enforcement, account suspension, and forfeiture If the Company, in its sole and absolute discretion, determines that you have violated any provision of this AUP, or that your interaction patterns pose an existential security or contractual ban risk to our enterprise API keys, we will execute immediate enforcement actions. CONSEQUENCES OF VIOLATION: Immediate Account Termination: Complete and permanent revocation of your access credentials, user profile, and cloud workspace without prior warning. Strict Financial Forfeiture of Balances and Token Demarcation: In the event of an immediate account termination due to a verified breach of this AUP, any remaining active calendar periods under your Subscription Plan and all available unspent computational credits on your profile balance (the "IQBID Tokens") shall be permanently and irrevocably forfeited and canceled as a pre-agreed liquidated contractual penalty to compensate the Company for security mitigation and administrative moderation costs. During normal and compliant usage of the Service, IQBID Tokens never expire and carry over indefinitely, consuming only upon actual AI generation cycles. However, upon a forced platform ban for prohibited actions, all remaining balances are liquidated, strictly non-refundable, and non-redeemable for fiat currency or any other assets. IQBID Tokens represent exclusively internal, proprietary, non-crypto technical metrics used solely to calculate data throughput, API execution costs, and server bandwidth consumption for artificial intelligence data generations within the Service interface, and they possess absolutely zero cash or real-world monetary value. Legal Liability: You agree to indemnify, defend, and hold harmless the Company against any third-party claims, regulatory enforcement penalties, or financial damages (including lost API access profits) resulting from your prohibited usage. 5. Reporting abuse and violations If you become aware of any violation of this AUP, or if you believe any synthetic text or output generated via the Service breaches our infrastructure safety layers, please immediately report such activity to our abuse team at: abuse@iqbid.ai. Cookie policy Effective Date: September 9, 2026 IQBID Helios Limited ("Company," "we," "us," or "our"), a company incorporated under the laws of the Republic of Seychelles with registered company number 252002 and having its registered officeSuite 9, Ansuya Estate, Royal Street, Victoria, Mahe, Seychelles, issues this Cookie Policy to explain how we use cookies and similar tracking technologies (collectively, "Cookies") when you access or use our artificial intelligence (AI) model aggregation service, website, and associated applications (the "Service"). This Cookie Policy applies exclusively to users residing within the United States of America ("US Users"). It describes what Cookies are, why we use them, and your statutory rights to control our use of them under applicable state privacy frameworks (including the California CCPA/CPRA). 1. What are cookies and tracking technologies? Cookies are small data text files that are placed on your computer or mobile device when you visit a website. Cookies are widely used by online service providers to ensure operational efficiency, track performance metrics, and remember user interface preferences. First-Party Cookies: Cookies set directly by the Company to maintain your active account session and operational states. Third-Party Cookies: Cookies set by independent service infrastructure providers (such as analytical tools and specialized authorization layers). 2. Categories of cookies we use In the course of delivering our Service, we deploy Cookies across the following functional classifications: Strictly Necessary Cookies: These Cookies are essential to provide you with the Service. They allow you to securely log into your personal dashboard, maintain stable server communication during prompt execution, and facilitate one-time checkouts with our secure Payment Processors. The Service cannot function properly without these Cookies. Performance and Analytical Cookies: These Cookies collect aggregated data regarding how US Users interact with our interface (e.g., measuring site traffic, page load speeds, and identifying technical errors). This helps us optimize our server routing pathways. Functional Cookies: These Cookies remember specific configurations you execute within the aggregation dashboard, such as your preferred default AI model, interface layout choices, or language settings. 3. Cookies and data processing disclosures for ai models Our Service operates as a technical aggregator. When you execute an individual prompt or submit digital files, that specific text or data payload is transmitted via secure, encrypted API tokens directly to third-party AI infrastructure networks (including OpenAI, LLC and Google LLC). Please note that standard web Cookies stored on your local browser are not transmitted to third-party AI developers via these API transactions. Your browser Cookies strictly manage your local interface state with our servers. 4. Your privacy choices and state statutory controls Under comprehensive US state data privacy frameworks (such as the California CCPA/CPRA), you possess distinct statutory rights regarding automated tracking and data profiling. Browser-Level Controls: You have the absolute right to accept or refuse Cookies by configuring your web browser settings. Most browsers allow you to block all cookies or receive warnings before a cookie is stored. Please note that if you choose to block Strictly Necessary Cookies, significant parts of our AI aggregation dashboard may become unavailable or fail to function correctly. Your Privacy Choices Opt-Out Link: In alignment with state statutes, if we utilize analytical tracking technologies that constitute a "sale" or "sharing" of personal data under statutory definitions, you can permanently restrict this deployment by clicking the "Your Privacy Choices" or "Do Not Sell/Share My Info" link in our website footer and adjusting the toggle button to block non-essential tracking. 5. Revisions to this policy The Company may update this Cookie Policy from time to time to reflect operational, technological, or regulatory amendments. Any changes will become legally binding upon the immediate publication of the updated policy text on this page. 6. Changes to Cookie policy and Effective Date (a) Effective Version: These Cookie policy are effective and legally binding upon users as of the "Effective Date" indicated at the top of this document. Any interactions, purchases, or data executions performed on the Service are governed strictly by the specific version of the Terms active on the precise calendar date of such transaction. (b) Right to Modify and Token Demarcation: The Company reserves the absolute unilateral right to update, amend, modify, adjust, or completely replace any part, provision, or clause of this Cookie Policy at any time to reflect software changes, technology updates, cloud infrastructure migrations, or regulatory shifts. This operational right explicitly encompasses making adjustments to the tracking parameters of active Subscription Plans or the technical configuration, delivery monitoring, and session metrics of usage-based computational credit units (the "IQBID Tokens"). In strict alignment with our global frameworks, IQBID Tokens represent exclusively internal, proprietary, non-crypto technical metrics used solely to calculate data throughput, API execution costs, and server bandwidth consumption for artificial intelligence data generations within the Service interface, and they possess absolutely zero cash, virtual currency, asset-backed stablecoin, digital security, or real-world monetary value. (c) User Responsibility to Monitor: The Company will indicate policy updates by updating the "Effective Date" or "Last Updated" stamp at the top of this page. The Company is not obligated to dispatch individual email notifications regarding updates. It is your sole personal responsibility to check this page periodically to maintain active awareness of the current legal framework. Your continued access to or use of the Service following the publication of any modifications constitutes your immediate, absolute, and irrevocable acceptance of the updated Cookie policy. If you do not agree to the updated terms, your sole remedy is to cease utilizing the Service immediately. 7. Contact us For any compliance questions or structural inquiries regarding our technical deployment of Cookies, please contact our data engineering team at: privacy@iqbid.ai Corporate Entity Name: IQBID Helios Limited Сompany number: 252002 Registered office: Suite 9, Ansuya Estate, Royal Street, Victoria, Mahe, Seychelles For EU Terms of service Last Updated: September 8, 2026 Welcome to our Service. These Terms of Service ("Terms") constitute a legally binding agreement made between you, whether personally or on behalf of an entity ("you," "user," or "consumer"), and IQBID Helios Limited, a company incorporated and registered under the laws of the Republic of Seychelles with international business company registration number 252002 and having its registered office at Suite 9, Ansuya Estate, Royal Street, Victoria, Mahe, Seychelles (the "Company," "we," "us," or "our"). These Terms govern your access to and use of our artificial intelligence (AI) model aggregation platform, user interface, website, and related applications (collectively, the "Service"). Please read these Terms carefully before accessing the Service. If you reside within the European Union (EU) or the European Economic Area (EEA), specific mandatory consumer protection laws, cross-border digital mandates, and regulations apply strictly to your usage, including the EU Artificial Intelligence Act (Regulation (EU) 2024/1689), the EU Digital Services Act (DSA), and applicable pan-European consumer defense frameworks. By interacting with the service, you agree to these terms: 1. Eligibility and age restrictions By registering an account, completing the onboarding process, or otherwise accessing or utilizing the Service, you explicitly represent and warrant that you possess full legal capacity and are at least eighteen (18) years of age or have reached the mandatory age of majority under the local statutes of your specific European Union (EU) or European Economic Area (EEA) Member State of residence. The Service, its interface controls, and underlying computational capacities are strictly intended for adult consumers and professionals. If you are under the age of 18 (or the applicable legal age of majority in your jurisdiction), you are strictly prohibited from creating a user account, executing any payment transactions, or submitting any personal data, prompt requests, text inputs, or analytical digital files to the Service infrastructure. 2. Nature of the service & eu ai act compliance The Company operates an online software aggregation interface that routes user queries to independent third-party artificial intelligence infrastructure networks and large language or diffusion model developers via secure Application Programming Interfaces (APIs). The Service acts strictly as an administrative and computational conduit between the user interface and downstream infrastructure providers. EU AI ACT TRANSPARENCY DISCLOSURE: In strict compliance with Article 50 of the European Union Artificial Intelligence Act (Regulation (EU) 2024/1689), the Company explicitly informs you that all text, images, code scripts, tabular datasets, documents, and structural outputs generated through this Service are created automatically by artificial intelligence algorithms, neural networks, and generative machine learning systems. The Service does not generate, fact-check, or produce human-authored editorial or journalistic content. By interacting with the Service, you explicitly acknowledge, understand, and confirm your full awareness that you are interacting directly with an artificial intelligence system, and you agree to evaluate all machine-generated outputs at your own professional discretion. 3. Subscriptions, fees, and payments 3.1. Hybrid Billing Architecture Access to specialized features, high-tier aggregated artificial intelligence models, and distinct workspace layouts requires the purchase of a pre-paid computational package (each, a "Subscription Plan"). The fees, technical parameters, interface availability timeframes, and included computational credit allocations known as "IQBID Tokens" applicable to each Subscription Plan are explicitly and transparently displayed on the Company's check-out and payment interface. IQBID Tokens represent exclusively internal, proprietary, non-crypto technical metrics used solely to calculate data throughput, API execution costs, and server bandwidth consumption within the Service interface; they possess absolutely zero cash value, do not constitute virtual currencies, and remain strictly non-redeemable or non-transferable. All billing transactions initiated by users residing within the European Union (EU) or European Economic Area (EEA) are securely routed and processed through authorized third-party infrastructure payment processors and European banking partners (collectively, "Payment Processors"). To prevent unauthorized or fraudulent billing disputes, Users within the European Union and European Economic Area explicitly agree and are contractually mandated to contact our specialized billing operations department directly at billing@iqbid.ai to resolve any payment discrepancies, transactional latencies, multi-currency conversion errors, or pricing misunderstandings prior to initiating any formal chargeback requests, payment reversals, or dispute frameworks with their card-issuing bank, credit card networks, or financial institutions. 3.2. Pre-Paid Non-Recurring Transactions and Token Carried-Over Policy (a) Pre-Paid Access Only: The Service operates strictly on a one-time, pre-paid basis. The Service does not utilize, implement, or support automatic account renewals, recurring billings, or latent subscriptions. (b) Interface Expiration vs. Token Preservation: Purchasing a Subscription Plan grants you a time-limited contractual right to access specific software functionalities (e.g., advanced file processing tools or specialized routing suites) for a fixed calendar duration (e.g., 30 calendar days). Upon the expiration of this pre-paid duration, access to the specific software tier will automatically lock. However, any unused, unspent computational credits included within that plan (the "IQBID Tokens") shall never expire and will not be forfeited at the end of the billing period. All remaining IQBID Tokens are safely carried over to your global account balance and remain completely accessible for future data execution cycles or within other integrated software applications across the Company’s infrastructure ecosystem. (c) Regulatory Status of IQBID Tokens (MiCA Compliance): IQBID Tokens represent exclusively internal, proprietary, non-crypto technical metrics used solely to calculate data throughput, API execution costs, and server bandwidth consumption within the Service interface. In strict compliance with the European Union Markets in Crypto-Assets Regulation (Regulation (EU) 2023/1114, "MiCA"), IQBID Tokens do not constitute, mirror, or approximate any form of asset-referenced tokens, electronic money tokens, crypto-assets, virtual currencies, stablecoins, digital securities, or investment assets. IQBID Tokens possess absolutely zero cash value, are completely non-transferable between separate user accounts, and are strictly non-redeemable for fiat currency, cryptocurrency, or any real-world financial assets. 3.3. Mandatory Waiver of the EU Right of Withdrawal UNDER DIRECTIVE 2011/83/EU OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL ON CONSUMER RIGHTS, EU CONSUMERS GENERALLY POSSESS A PROTECTED STATUTORY RIGHT TO WITHDRAW FROM ANY DISTANCE CONTRACT WITHIN A COOLDOWN PERIOD OF FOURTEEN (14) CALENDAR DAYS FROM THE TRANSACTION DATE WITHOUT PROVIDING ANY JUSTIFICATION. HOWEVER, PURSUANT TO ARTICLE 16(M) OF SAID CONSUMER RIGHTS DIRECTIVE 2011/83/EU, THE STATUTORY RIGHT OF WITHDRAWAL DOES NOT APPLY, AND IS EXTINCT, REGARDING THE SUPPLY OF DIGITAL CONTENT WHICH IS NOT SUPPLIED ON A TANGIBLE MEDIUM IF THE PERFORMANCE HAS BEGUN WITH THE CONSUMER’S PRIOR EXPRESS CONSENT AND ACKNOWLEDGMENT. BY PURCHASING A SUBSCRIPTION PLAN, ACQUIRING IQBID TOKENS, AND EXECUTING A TRANSACTION VIA THE "PAY" OR "SUBSCRIBE" BUTTON, YOU EXPLICITLY REQUEST, AUTHORIZE, AND PROVIDE YOUR UNCONDITIONAL EXPRESS CONSENT TO THE IMMEDIATE PERFORMANCE, EXECUTION, AND PROVISION OF THE DIGITAL CONTENT AND SOFTWARE AGGREGATION SERVICES. YOU ACKNOWLEDGE, UNDERSTAND, AND EXPRESSLY AGREE THAT IMMEDIATELY UPON THE PROVISION OF FUNCTIONAL INTERFACE ACCESS AND THE ALLOCATION OF IQBID TOKENS TO YOUR USER PROFILE BALANCE, THE CONTRACT HAS BEEN FULLY EXECUTED BY THE COMPANY, AND YOU COMPLETELY AND IRREVOCABLY LOSE YOUR STATUTORY 14-DAY RIGHT OF WITHDRAWAL AND ANY CLAIMS TO A FINANCIAL REFUND. BECAUSE UNUSED IQBID TOKENS DO NOT EXPIRE AND REMAIN VALID ON YOUR ACCOUNT BALANCE PERMANENTLY, NO PRO-RATED BALANCES OR PARTIAL REFUNDS SHALL BE ISSUED UNDER ANY CIRCUMSTANCES. 4. Intellectual property and user materials 4.1. User Content You retain all structural ownership, underlying copyright, and intellectual property rights in the text prompts, structured questions, training strings, and individual digital files (including images, audio recordings, source code, text documents, or metadata) that you upload, submit, or transmit directly into the interface of the Service (collectively, "User Content"). You explicitly represent, warrant, and guarantee that you possess all necessary legal titles, licenses, rights, and corporate permissions required under applicable European Union laws to submit such User Content and that its transmission does not infringe upon any third-party proprietary rights. 4.2. Licensing for Processing To deliver the technical functionalities of the Service, you hereby grant the Company a worldwide, non-exclusive, royalty-free, transactional, fully paid-up license to host, temporary cache, technically modify for formatting purposes, transmit, and route your User Content to independent third-party artificial intelligence infrastructure models (such as OpenAI, LLC and Google LLC) strictly for computational execution, response synthesis, and delivery to your account. This transactional processing license terminates automatically upon the expiration of your session or the definitive technical deletion of your data from our operational infrastructure cache. 4.3. AI Generated Outputs The Company does not assert, claim, or reserve any copyright, patent, or intellectual property ownership over the textual, visual, software code, structural, or analytical materials generated automatically by the aggregated third-party artificial intelligence models in response to your specified prompts and inputs (collectively, "Outputs"). The allocation, recognition, and enforcement of any intellectual property rights over machine-generated outputs are governed strictly by the national copyright acts and statutory laws of your specific European Union (EU) or European Economic Area (EEA) Member State of residence. 5. Disclaimer of warranties & limitation of liability 5.1. AI Accuracy and Hallucinations You explicitly acknowledge, understand, and agree that automated machine learning systems, neural networks, and generative computational models may occasionally generate inaccurate, incomplete, biased, contextually inappropriate, or completely incorrect Outputs (commonly referred to in technological frameworks as "AI hallucinations"). The Company acts strictly as an aggregation and routing conduit and does not fact-check, verify, validate, or guarantee the objective truthfulness, security, safety, legal compliance, or real-world utility of any generated Output. You utilize all synthetic responses and generated outputs entirely at your own discretion, professional judgment, and independent risk. 5.2. Statutory Warranty Rights Nothing in these Terms of Service shall limit, exclude, or otherwise degrade your mandatory statutory warranty rights as an European Union (EU) or European Economic Area (EEA) consumer regarding digital services, software content, or digital infrastructure that fail to comply with subjective or objective conformity requirements set forth under Directive (EU) 2019/770 on certain aspects concerning contracts for the supply of digital content and digital services. In the event of a technical non-conformity, you possess all mandatory remedies provided under your applicable national consumer protection statutes. 5.3. Limitation of Liability To the maximum extent permitted by the mandatory consumer protection laws and statutory public policies of your country of residence, the Company’s total aggregate financial liability for any damages, structural losses, legal costs, or claims arising out of or directly in connection with the Service shall be strictly limited to the total monetary amount paid by you to the Company for your current active Subscription Plan tier and associated unused IQBID Tokens during the twelve (12) months immediately preceding the specific calendar event giving rise to liability. The Company shall not be liable under any circumstances for any indirect, unpredictable, non-foreseeable, or consequential losses, loss of business data, software downtime, or any system failures resulting from your direct breach of our Acceptable Usage Policy or fraudulent chargeback activities. 6. Mandatory eu dispute resolution & jurisdiction 6.1. ODR Platform The European Commission provides an official, dedicated Online Dispute Resolution (ODR) platform designed to assist consumers in the European Union (EU) and European Economic Area (EEA) resolve out-of-court disputes arising from online transactions. You can access this statutory regulatory framework directly at the following web address: https://europa.eu. While the ODR platform is available to you by law, the Company strictly prefers to resolve any potential operational claims, billing discrepancies, or system performance issues directly with you via amicable consultation through our legal department at: legal@iqbid.ai. 6.2. Governing Law These Terms of Service, contractual relations, and your operational use of the Service shall be governed by, and construed strictly in accordance with, the substantive laws of the Republic of Seychelles, without giving effect to any principles of conflicts of law. However, if you are a consumer residing within the European Union (EU) or the European Economic Area (EEA), you explicitly enjoy the residual protection of the mandatory statutory provisions, consumer defense public policies, and protective laws of the specific EU Member State where you maintain your habitual residence, which cannot be derogated from by contract. 6.3. Forum and Venue Any formal legal action, corporate claim, or judicial dispute arising out of or directly relating to these Terms of Service shall be brought exclusively before the competent civil courts of the Republic of Seychelles located in Victoria, Mahé, OR, at your sole personal consumer election, before the competent national or regional courts of your European Union country of habitual residence. Both parties hereby consent to the respective personal jurisdiction and venue of such designated courts. 7. Changes to Terms and Effective Date (a) Effective Version: These Terms of Service are effective, active, and legally binding upon users as of the "Last Updated" date indicated at the top of this document. Any interactions, checkout purchases, or computational data executions performed on the Service are governed strictly by the specific version of the Terms active on the precise calendar date of such transaction. (b) Right to Modify: The Company reserves the absolute unilateral right to update, amend, modify, or completely replace any part of these Terms, including changing the pricing parameters of Subscription Plans or the operational volume and infrastructure throughput of IQBID Tokens, at any time to reflect software changes, technology updates, infrastructure migrations, or European regulatory shifts. (c) User Responsibility to Monitor: The Company will indicate policy updates exclusively by updating the "Last Updated" stamp at the top of this page. The Company is not obligated under consumer protection statutes to dispatch individual email notifications or dashboard alerts regarding policy updates. It is your sole personal responsibility to check this page periodically to maintain active awareness of the current legal framework. Your continued access to or use of the Service following the publication of any modifications constitutes your immediate, absolute, and irrevocable acceptance of the updated Terms. If you do not agree to the updated terms, your sole remedy is to cease utilizing the Service immediately. 8. Contact information For any formal inquiries regarding these EU Terms, please contact our corporate department at: Email: legal@iqbid.ai Billing Support Email: billing@iqbid.ai Corporate Entity: IQBID Helios Limited Сompany number: 252002 Registered Address: Suite 9, Ansuya Estate, Royal Street, Victoria, Mahe, Seychelles Privacy policy IQBID Helios Limited ("Company," "we," "us," or "our"), a company incorporated and registered under the laws of the Republic of Seychelles with international business company registration number 252002 and having its registered office at Suite 9, Ansuya Estate, Royal Street, Victoria, Mahe, Seychelles, operates as the definitive Data Controller under Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data (General Data Protection Regulation — "GDPR"). This GDPR Privacy Policy applies exclusively and restrictively to data subjects residing within the European Union (EU), the European Economic Area (EEA), and Switzerland (collectively, "EU Users") who access, register an account with, or utilize our artificial intelligence (AI) model aggregation platform, user interface, website, and associated cloud-routing infrastructure (collectively, the "Service"). 1. Legal bases for processing personal data In strict accordance with Article 6 of the General Data Protection Regulation ("GDPR"), the Company processes your personal data and technical interaction metrics only when at least one valid legal basis is firmly established: (a) Performance of a Contract (Art. 6(1)(b) GDPR): To activate, maintain, and manage your user account, provide real-time operational access to our artificial intelligence computing aggregation interface, deliver your purchased structural feature tiers (each, a "Subscription Plan"), securely allocate and manage your non-expiring usage-based credits (the "IQBID Tokens"), and facilitate transaction processing via authorized third-party Payment Processors. (b) Legitimate Interests (Art. 6(1)(f) GDPR): To actively detect, investigate, and mitigate infrastructure security threats, protect our integrated application programming interfaces (APIs), prevent automated financial fraud, enforce the restrictions set forth in our Acceptable Usage Policy, and maintain the absolute stability, latency control, and network security of our software platform. (c) Explicit Consent (Art. 6(1)(a) GDPR): To process and route your submitted text prompts, queries, and uploaded multi-format digital files strictly for session performance, or—subject to your separate, voluntary, and explicit activation of the user opt-in control panel—for the ongoing software optimization, behavioral tuning, and internal algorithmic machine learning training of our specialized integrated systems. You retain the absolute statutory right to withdraw this consent at any time without detriment. 2. Categories of personal data we collect The Company collects and processes specific categories of personal data, computational interaction logs, and structural telemetry metadata regarding European Union (EU) and European Economic Area (EEA) Users: (a) Account Identifiers: First name, last name, corporate or personal email address, unique automated online identifier (UID), and encrypted/hashed password access credentials. (b) Technical Telemetry and Log Data: Internet Protocol (IP) address, device hardware fingerprints, operating system type, localized language settings, browser engine parameters, detailed timestamps of individual interface actions, latency logs, and programmatic interaction metrics. (c) Financial Transactional and Balance Data (Non-Crypto Assets Standing): Comprehensive logs of your billing history, transaction statuses, and payment IDs. This includes records of Subscription Plans and IQBID Tokens. Per EU MiCA (Regulation (EU) 2023/1114), IQBID Tokens are strictly internal technical software metrics for calculating data throughput and API costs, possessing zero cash value and non-transferability. PCI DSS Disclaimer: The Company complies with PCI DSS standards and does not collect or store raw payment card numbers, expiration dates, or CVV/CVC codes, which are handled exclusively by secure third-party processors. (d) User Inputs and Material Files: The quantitative content of text queries, structured strings, and any integrated multi-format digital files (including images, PDF documents, tabular text sheets, audio recordings, or software code) that you actively upload to the interface ("User Content") to perform generative computational tasks. (e) AI-Generated Outputs: Synthetic text, media assets, code scripts, or metadata structures generated automatically by integrated downstream artificial intelligence architectures in fulfillment of your prompt demands. 3. Recipients of personal data and sub-processors To deliver the core artificial intelligence model aggregation functionalities of the Service, the Company is contractually required to securely transmit user text queries, prompt strings, and uploaded multi-format digital files via end-to-end encrypted Application Programming Interface (API) channels to independent third-party infrastructure infrastructure developers and downstream processors (collectively, "Sub-processors"). These core infrastructure Sub-processors include, but are not limited to, the following entities: OpenAI, LLC (headquartered in the United States); Google LLC (headquartered in the United States); and Anthropic, PBC (headquartered in the United States). Whenever personal data, internal prompt metadata, or associated account interaction metrics are transferred outside the European Economic Area (EEA) to third countries (such as the United States) that are not recognized by the European Commission as providing an adequate level of data protection under an adequacy decision, the Company ensures maximum compliance. We verify that legally binding appropriate safeguards, specifically the Standard Contractual Clauses (SCCs) adopted by the European Commission pursuant to Decision (EU) 2021/914, are fully integrated into our enterprise API infrastructure contracts with each downstream supplier. This framework ensures that your fundamental privacy rights under the GDPR travel with your data across international borders. 4. Strict protocol for ai model training and machine learning The Company periodically optimizes and fine-tunes its proprietary operational software routing logic and underlying open-source machine learning matrices utilizing technical interaction telemetry data. MANDATORY EU CONSENT FRAMEWORK: THE COMPANY EXPLICITLY RECOGNIZES THAT YOUR SUBMITTED USER CONTENT AND UPLOADED DIGITAL FILES MAY CONTAIN SENSITIVE PERSONAL INFORMATION, PROPRIETARY BUSINESS METRICS, OR PROTECTED INDIVIDUAL IDENTIFIERS. IN STRICT COMPLIANCE WITH EUROPEAN UNION CONSUMER DEFENSE PROTECTION MANDATES AND DATA MINING RESTRICTIONS, THE COMPANY WILL NEVER UTILIZE TEXT PROMPTS, SOFTWARE USER INPUTS, LOG STRINGS, OR MULTI-FORMAT DIGITAL FILES COLLECTED FROM EUROPEAN UNION (EU) OR EUROPEAN ECONOMIC AREA (EEA) USERS FOR MACHINE LEARNING INDUCTION, DEEP LEARNING ARCHITECTURE ALGORITHM INTENSIFICATION, OR THIRD-PARTY ARTIFICIAL INTELLIGENCE MODEL TRAINING PURPOSES UNLESS YOU HAVE ACTIVELY GIVEN YOUR EXPLICIT, UNFORCED, INFORMED, AND AFFIRMATIVE PRE-TRANSACTION CONSENT (OPT-IN) VIA THE DEDICATED DEPLOYED SERVICE ONBOARDING INTERFACE OR ACCOUNT PRIVACY DASHBOARD. If you have previously granted such explicit processing consent, you retain the absolute, unconditional statutory right under the GDPR to revoke your consent at any time without any negative consequences, reduction in core platform usability, or modifications to your underlying financial billing terms under your active Subscription Plan or associated IQBID Tokens balance. You may execute your withdrawal of consent immediately by toggling the data-use controller in your digital Account Settings panel or by submitting a formal written request to our data protection team via electronic mail at: privacy@iqbid.ai. 5. Data storage and localization In strict accordance with the principles of data minimization, accountability, and storage limitation enshrined in the General Data Protection Regulation ("GDPR"), the Company securely stores, isolates, and processes all infrastructure data, user profile databases, account settings, authentication logs, billing telemetry, and operational session caches belonging to European Union (EU) and European Economic Area (EEA) Users exclusively on secure enterprise-grade cloud servers and isolated database environments physically deployed and hosted within the territorial borders of the European Union (EU/EEA). Temporary operational caching of encrypted raw data packets required strictly for real-time Application Programming Interface (API) routing to the designated downstream sub-processors listed in Section 3 is executed automatically using volatile system memory that undergoes prompt, permanent erasure upon the completion of the respective computational data generation cycle. 6. Your mandatory gdpr privacy rights As an European Union (EU) or European Economic Area (EEA) data subject, you possess extensive, protected statutory rights under Chapter III of the General Data Protection Regulation ("GDPR"). You may exercise any of the following fundamental privacy privileges at any time: Right of Access (Art. 15 GDPR): The right to request comprehensive copies of your personal data held by us, alongside a detailed structural breakdown of our current automated data processing paths. Right to Rectification (Art. 16 GDPR): The right to compel the immediate correction of inaccurate profile information or completion of incomplete personal data records. Right to Erasure / "Right to be Forgotten" (Art. 17 GDPR): The right to request the complete, permanent scrubbing of your profile logs, historical chat contexts, and uploaded data assets, subject to specific regulatory exceptions (such as the necessity to deliver your active Subscription Plan limits or comply with international financial record-keeping laws). Right to Restriction of Processing (Art. 18 GDPR): The right to restrict data processing activities under specific civil dispute conditions or while data accuracy is being verified. Right to Data Portability (Art. 20 GDPR): The right to demand that your stored account configuration data and text histories are exported to you in a structured, machine-readable, commonly used software format. Right to Object (Art. 21 GDPR): The right to immediately halt any processing activities predicated on our corporate Legitimate Interests or direct marketing initiatives. To assert any of your statutory GDPR rights, please submit a verified communication to our global privacy enforcement officer at privacy@iqbid.ai from your registered email profile. 7. Right to lodge a complaint with a supervisory authority Under Article 77 of the GDPR, users have the right to lodge a complaint with a data protection supervisory authority [🇪🇺]. You may contact privacy@iqbid.ai first for assistance. 8. Changes to this Privacy Policy (a) Effective Version: Governed by the version active on the transaction date. (b) Right to Modify: The Company may update this policy unilaterally. (c) User Responsibility: Updates are indicated via the "Last Updated" timestamp; users should check periodically. 9. Contact information and data protection officer For inquiries or to contact our Data Protection Officer (DPO): Email: privacy@iqbid.ai Entity: IQBID Helios Limited Сompany number: 252002 Registered Address: Suite 9, Ansuya Estate, Royal Street, Victoria, Mahe, Seychelles Acceptable usage policy Last Updated: September 8, 2026 This Acceptable Usage Policy ("AUP") defines the strictly prohibited boundaries, behavioral limits, and content restrictions governing your operational interaction with the artificial intelligence (AI) model aggregation platform, user interface, website, and cloud infrastructure (collectively, the "Service") provisioned by IQBID Helios Limited, a company incorporated and registered under the laws of the Republic of Seychelles with international business company registration number 252002 and having its registered office at Suite 9, Ansuya Estate, Royal Street, Victoria, Mahe, Seychelles (the "Company," "we," "us," or "our"). This AUP is integrated directly into, and forms an inseparable part of, our European Union Terms of Service. It applies directly to all users accessing or utilizing the Service from the European Union (EU) or European Economic Area (EEA) ("EU Users"). Because our system routes transactional inputs via encrypted Application Programming Interface (API) channels to third-party infrastructure entities (including OpenAI, LLC and Google LLC), you are statutory-mandated to strictly respect both our corporate standards and the downstream application rules enforced by those underlying AI networks. 1. Absolute prohibitions under the eu ai act and dsa In strict compliance with the European Union Artificial Intelligence Act (Regulation (EU) 2024/1689) and the Digital Services Act (Regulation (EU) 2022/2065), you are explicitly prohibited from submitting text queries, semantic instructions, prompts, or uploading any digital files (documents, images, multi-format media) (collectively, "User Inputs") designed to execute or generate the following: 1.1. Subliminal Manipulation and Behavioral Distortion Cognitive Manipulation: Actively prompting or forcing AI models to generate text, audio scripts, or psychological frameworks that deploy subliminal techniques beyond a person’s consciousness to materially distort a person’s behavior in a manner that causes or is likely to cause physical or psychological harm. Exploitation of Vulnerabilities: Generating targeted outputs designed to exploit any specific vulnerabilities of a specific group of persons due to their age, physical, or mental disability, to distort their baseline real-world actions. 1.2. Prohibited Biometric Systems and Social Scoring Biometric Categorization: Uploading photographic directories or facial data to classify natural persons individually based on protected characteristics (including race, political opinions, trade union membership, religious beliefs, or sexual orientation). Untrustworthy Social Scoring: Requesting models to evaluate, score, or categorize natural persons over a certain period based on their social behavior or known personality characteristics, leading to detrimental or unfavorable treatment in real-world environments. 1.3. Illegal European Content, Violence, and Child Safety Illegal Content under the DSA: Submitting or requesting any material that constitutes illegal hate speech, xenophobic manifestos, terrorist propaganda, or operational tutorials on fabricating illicit weapons, explosives, or chemical agents. Child Sexual Abuse Material (CSAM): The Company enforces an absolute zero-tolerance threshold regarding Child Sexual Abuse Material or Child Sexual Exploitation and Abuse (CSAE). Any structural detection of material depicting minors in an exploitative or sexually explicit context will result in a permanent infrastructure ban and mandatory reporting to European law enforcement bodies (Europol and national offices). 1.4. Systemic Deepfakes, Deception, and Copyright Infringement Deceptive Media (Deepfakes): Generating or mutating imagery, audio, or video files that appear authentic but are synthetic ("Deepfakes") without clearly, explicitly, and permanently tagging or embedding machine-readable watermarks indicating that the content has been artificially generated or manipulated, as mandated by the EU AI Act. API Harvesting and Reverse Engineering: Utilizing systemic scraping macros, extraction web-bots, or automated loaders to extract the synthetic algorithmic training weight arrays, specific prompt configurations, or operational boundaries of our internal routing layers. 2. Moderation conduits and compliance complaints To satisfy our statutory infrastructure duties and notice-and-action obligations under the European Union Digital Services Act (Regulation (EU) 2022/2065), the Company implements a multi-layered moderation architecture: 2.1. Automated Content Classification Real-Time Automated Scanning: All incoming User Inputs, semantic strings, and machine-generated Outputs are dynamically scanned by automated safety classifiers and programmatic filters. Proactive Breach Prevention: This automated screening identifies high-probability systemic policy breaches and prohibited content categories before data is transmitted across external provider nodes or displayed to the user. 2.2. Notice and Action Mechanism Statutory Reporting Rights: If you identify any content hosted on, cached by, or generated through our Service that violates local EU Member State laws or the restrictions set forth in this AUP, you possess a protected legal right to report it. Formal Notification Pathway: You may submit a formal notification directly to our corporate security and safety operations department at: abuse@iqbid.ai. All notices will be processed promptly under mandatory DSA compliance timelines. 3. Structural account termination and financial penalties If the Company's automated classification nodes or security teams flag verified indicators that your account interaction routines, prompt structures, or uploaded materials violate the structural mandates of this AUP, or present an immediate risk of triggering API key revocations from our downstream infrastructure suppliers (such as OpenAI, LLC or Google LLC), the Company will execute decisive protective and punitive actions. 3.1. Consequences of Material Breach BY ACCESSING THE SERVICE, YOU EXPLICITLY AGREE THAT A VIOLATION OF THIS AUP CONSTITUTES A MATERIAL BREACH OF YOUR CONTRACTUAL OBLIGATIONS, ENTITLING THE COMPANY TO ENFORCE THE FOLLOWING RECOVERY REMEDIES WITHOUT PRIOR WARNING: Instant Infrastructure Revocation: Permanent de-activation and immediate suspension of your authentication profile, user credentials, operational workspace partitions, and stored cache history panels with no liability to recover data. Strict Contractual Forfeiture of Balances and Token Demarcation: In the event of account termination due to an AUP breach, remaining subscription periods and unspent computational credits ("IQBID Tokens") are permanently forfeited as a liquidated contractual penalty covering mitigation, developer time, security overrides, and moderation costs. During normal usage, IQBID Tokens carry over indefinitely and are consumed only upon actual AI generation cycles. Upon a ban for prohibited actions, balances are liquidated and strictly non-refundable. In compliance with EU MiCA regulation (Regulation (EU) 2023/1114), IQBID Tokens are internal, proprietary, non-crypto technical metrics for data throughput, API execution, and server bandwidth, and do not constitute crypto-assets, electronic money, or investment assets.  Regulatory and Law Enforcement Disclosure: The Company will actively cooperate with competent European data protection authorities, national market supervisors, and judicial bodies. If a formal inquiry is executed regarding illegal generative workflows or systemic breaches, the Company will disclose necessary technical logs, including IP addresses, account identifiers, and generated Outputs, as mandated by the Digital Services Act. Cookie policy Last Updated: September 9, 2026 IQBID Helios Limited ("Company," "we," "us," or "our"), a company registered under the laws of the Republic of Seychelles  with registration number 252002, having its registered office at Suite 9, Ansuya Estate, Royal Street, Victoria, Mahe, Seychelles, issues this Cookie Policy for users residing within the European Union (EU), the European Economic Area (EEA), and Switzerland ("EU Users"). This Cookie Policy explains how we deploy cookies and similar tracking technologies (collectively, "Cookies") when you interact with our artificial intelligence (AI) model aggregation service, website, and associated infrastructure (the "Service"). This Policy is compliant with the General Data Protection Regulation (GDPR) and the EU ePrivacy Directive (Directive 2002/58/EC). 1. What are cookies and tracking technologies? Cookies are small text files that are placed on your computer or mobile device by a website server when you access an online service. They are utilized to make websites work efficiently, provide analytics, and maintain user preferences. First-Party Cookies: Cookies set directly by us to maintain your account session. Third-Party Cookies: Cookies placed by independent infrastructure and analytical service providers integrated into our system. 2. Categories of cookies we deploy In strict compliance with EU regulations, we classify the Cookies used on our Service into the following categories: Strictly Necessary Cookies: These Cookies are technically essential to enable you to navigate our website and access secure areas, such as your User Dashboard. They manage your active login session and facilitate transactional checkouts via our third-party Payment Processors. Under the ePrivacy Directive, these Cookies do not require your prior consent and cannot be disabled through our consent banner. Analytical and Performance Cookies (Consent Required): These Cookies allow us to recognize and count the number of visitors and see how users move around our interface. This data helps us monitor server loads, identify system errors, and optimize our network routing pathways. Functional Cookies (Consent Required): These Cookies are used to recognize you when you return to our Service. They enable us to personalize our content for you and remember your preferred configurations (such as your default selected AI model, computational limits, or interface dark/light mode preferences). 3. Data sharing protocol and interaction with ai models Our Service operates as a technicalAggregation Conduit. When you submit a text prompt or upload a file into our interface, the raw text or binary payload is transmitted securely via backend API tokens to international AI infrastructure developers (including OpenAI, LLC and Google LLC). Please note that standard frontend browser Cookies stored on your local device are never shared with, transmitted to, or read by third-party AI developers during these API transactions. Your browser Cookies strictly manage your localized session state with our hosting servers. 4. The mandatory eu consent framework (how to control cookies) Under the GDPR and ePrivacy Directive, you have absolute statutory control over non-essential tracking technologies. Cookie Consent Banner (Strict Opt-in): When you access the Service for the first time from an EU IP address, a Cookie Consent Banner will block the deployment of all Analytical and Functional Cookies by default. These non-essential Cookies will only be executed if you provide explicit, affirmative, unforced consent by clicking "Accept All" or checking specific categories in our Cookie Settings panel. Managing Preferences: You can alter, update, or completely revoke your cookie consent selections at any time by clicking the interactive "Cookie Settings" link located permanently in the footer of our website. Browser Controls: You may also block or delete cookies by configuring your internet browser settings. However, please be advised that disabling Strictly Necessary Cookies will severely disrupt your ability to log in and utilize the AI aggregation platform. 5. Policy amendments The Company reserves the right to modify this EU Cookie Policy to reflect technological shifts or updates in European data protection case law. Any structural modifications will become immediately active upon the posting of the revised text on this page. 6. Contact and data protection officer For any inquiries regarding this Cookie Policy or our data tracking frameworks, please contact our designated compliance team at: privacy@iqbid.ai Company Name: IQBID Helios Limited Сompany number: 252002 Registered office: Suite 9, Ansuya Estate, Royal Street, Victoria, Mahe, Seychelles For RoW Terms of service Effective Date: September 8, 2026 This Global Terms of Service ("Agreement" or "Terms") constitutes a binding legal contract made between you, whether personally or on behalf of an entity ("User"), and IQBID Helios Limited, a company incorporated and registered under the laws of the Republic of Seychelles with international business company registration number 252002 and having its registered office at Suite 9, Ansuya Estate, Royal Street, Victoria, Mahe, Seychelles (the "Company", "we", "us", or "our"). This Agreement governs your access to and use of our artificial intelligence (AI) model aggregation platform, user interface, website, and associated applications (the "Service"). This version applies exclusively and restrictively to users accessing or utilizing the Service from jurisdictions outside the United States, the European Union, the European Economic Area, and the Russian Federation (collectively, the "Rest of the World" or "RoW" region). By interacting with the service, you agree to these terms: 1. Eligibility and age limits By creating a user account, executing a financial transaction, completing the onboarding process, or otherwise accessing or utilizing the Service, you explicitly represent, warrant, and guarantee that you possess full legal capacity under your local statutory laws and are at least eighteen (18) years of age or have fully reached the mandatory age of majority in your specific country of residence. The Service, its interface controls, and underlying computational capacities are strictly intended for adult consumers and professionals. If you are under the age of 18 (or the applicable legal age of majority in your jurisdiction), you are strictly prohibited from creating a user profile, entering into this Agreement, or submitting any personal identifiers, text queries, prompts, or files to the Service. 2. Description of conduit service The Company provides a secure, cloud-based software interface and system that aggregates and routes data inputs to independent third-party artificial intelligence models, neural networks, and large language matrices via secure Application Programming Interfaces (APIs). The Company acts strictly as a technical and administrative conduit and infrastructure routing layer. The Company does not author, curate, fact-check, verify, edit, modify, or guarantee the accuracy, safety, real-world truthfulness, or utility of the synthetic data outputs generated by these underlying models. You explicitly acknowledge that you use all automated machine-generated outputs entirely at your own distinct discretion and independent risk. 3. One-time pre-paid fees and no-refund policy 3.1. Hybrid Billing Architecture and Token Demarcation The Service operates on a pre-paid basis via Subscription Plans and usage-based credits ("IQBID Tokens"). Unused IQBID Tokens permanently roll over, though interface access expires at the end of the term. These tokens are strictly internal, non-crypto technical metrics for measuring data throughput and API costs, possessing no cash value and non-transferable status. 3.2. Secure Processing and PCI DSS Cardholder Data Disclaimer Payment transactions are handled by authorized third-party processors. The Company complies with PCI DSS standards and does not collect or store raw payment card data, such as numbers, expiration dates, or CVV codes, as all credentials are processed directly by our secure financial partners . 3.3. Strict No-Refunds Policy and Chargeback Defense ALL SALES OF SUBSCRIPTION PLANS AND IQBID TOKENS ARE DEFINITIVE, FINAL, AND COMPLETELY NON-REFUNDABLE. IQBID Tokens represent exclusively internal, proprietary, non-crypto technical metrics used solely to calculate data throughput and server bandwidth consumption for artificial intelligence data generations within the Service interface; they possess absolutely zero cash or real-world monetary value, are completely non-transferable, and remain strictly non-redeemable for fiat currency, cryptocurrency, or any other virtual assets. The Company does not issue refunds, chargeback reversals, or partial credits under any circumstances, including user dissatisfaction with AI-generated outputs or temporary downtimes of external third-party API networks. Any fraudulent attempt to execute an unauthorized chargeback dispute through your card-issuing bank will result in the immediate, permanent termination of your account, infrastructure block, and the absolute forfeiture of all remaining active Subscription Plan periods and carry-over IQBID Tokens balances as a liquidated contractual penalty. In order to safeguard platform infrastructure security, Users explicitly agree and are contractually required to submit any billing inquiries, transactional errors, or currency discrepancies directly to billing@iqbid.ai for internal administrative review before lodging any formal payment disputes, chargeback operations, or reversal claims with their respective banking providers or credit card networks. 4. Content restrictions and infrastructure safety You explicitly agree not to submit text prompts, prompt injections, or upload multi-format digital files designed to execute, generate, facilitate, or distribute any of the following prohibited categories: Child Exploitation: Material that depicts, promotes, or facilitates child sexual abuse material (CSAM) or child sexual exploitation and abuse (CSAE). Illicit Weapons and Terrorism: Actionable instructions, blueprints, or tutorials for fabricating weapons, improvised explosives, chemical agents, or committing acts of terrorism. Cyber-Attacks and Malware: Software code execution strings designed to generate malware, ransomware, spyware, or execute phishing campaigns. System Jailbreaking: Intentional attempts to bypass platform safety boundaries, parameters, or content moderation layers through specialized prompt injection techniques. 4.1. Penalty for Violations Any verified violation of these restrictions will result in immediate, permanent account termination, infrastructure ban, and the absolute forfeiture and cancellation of all remaining active Subscription Plan access periods and associated IQBID Tokens balances as a pre-agreed liquidated contractual penalty to cover operational security mitigation and moderation costs. 5. Absolute warranty disclaimer and limitation of liability 5.1. As-Is Provision and Disclaimer of Warranties THE SERVICE, ITS APPLICATION PROGRAMMING INTERFACES, PLATFORM LAYOUTS, AND ALL AUTOMATED MACHINE-GENERATED RESPONSES ARE PROVIDED STRICTLY ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY EXPLICITLY DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, STRUCTURAL DATA SECURITY, AND NON-INFRINGEMENT. ARTIFICIAL INTELLIGENCE MODELS CAN GENERATE FALSE, INACCURATE, BIASED, DECEPTIVE, OR COMPLETELY HALLUCINATORY DATA. THE COMPANY DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, COMPLETELY SECURE, ERROR-FREE, OR ACCURATE. YOU UTILIZE ANY GENERATED OUTPUT AT YOUR OWN DISTINCT DISCRETION AND INDEPENDENT REAL-WORLD RISK. 5.2. Liability Cap and Limitations TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL IQBID HELIOS LIMITED, ITS DIRECTORS, EMPLOYEES, AFFILIATES, OR API SUB-PROCESSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, LOSS OF REVENUE, CORPORATE DATA BREACHES, SYSTEM DOWNTIME, OR LOSS OF BUSINESS REPUTATION, ARISING OUT OF OR IN CONNECTION WITH THE AGREEMENT. THE COMPANY’S MAXIMUM AGGREGATE FINANCIAL LIABILITY FOR ALL CLAIMS AND CIVIL DISPUTES ARISING OUT OF OR DIRECTLY RELATED TO THIS AGREEMENT SHALL BE STRICTLY LIMITED TO THE TOTAL MONETARY AMOUNT ACTUALLY PAID BY YOU TO THE COMPANY FOR YOUR SUBSCRIPTION PLAN AND ASSOCIATED IQBID TOKENS DURING THE ONE (1) MONTH IMMEDIATELY PRECEDING THE INITIAL DATE OF THE WRITTEN CLAIM NOTICE. 6. Changes to this Agreement and Effective Date (a) Effective Version and Current Status: This Agreement is active and legally binding upon users as of the "Effective Date" indicated at the top of this document. Any interactions, purchases of computational packages, or data executions performed on the platform are governed strictly by the specific version of the Agreement active on the precise calendar date of such transaction or interaction. (b) Right to Modify and Amend: The Company reserves the absolute unilateral right to update, amend, modify, adjust, or completely replace any part, provision, or clause of this Agreement, including changing the pricing parameters of Subscription Plans or the technical definition and infrastructure throughput of IQBID Tokens, at any time to reflect software changes, security updates, or international regulatory shifts. (c) User Responsibility to Monitor Updates: The Company will indicate policy updates exclusively by updating the "Effective Date" stamp at the top of this page. The Company is not obligated to dispatch individual email notifications or dashboard pop-up alerts regarding modifications. It is your sole personal responsibility to check this page periodically to maintain active awareness of the current legal and data framework. Your continued access to or use of the Service following the publication of any modifications constitutes your immediate, absolute, and irrevocable acceptance of the updated Agreement. If you do not agree to the updated terms, your sole remedy is to cease utilizing the Service and close your account immediately. 7. Governing law and jurisdiction This Agreement shall be governed by the substantive laws of the Republic of Seychelles. Formal legal actions must be brought exclusively in Victoria, Mahé, Republic of Seychelles. 8. Reporting abuse and infrastructure violations If you become aware of any prohibited activity, systemic policy breach, or if you believe any synthetic text or output generated via the Service violates third-party rights or infrastructure safety layers, please immediately report such behavior to our dedicated security and compliance operations team at: abuse@iqbid.ai. All notifications will be reviewed promptly by our legal operations department. 9. Contact information For administrative or legal inquiries, please contact us at legal@iqbid.ai Company Name: IQBID Helios Limited Сompany number: 252002 Registered office: Suite 9, Ansuya Estate, Royal Street, Victoria, Mahe, Seychelles Privacy policy Effective Date: September 8, 2026 IQBID Helios Limited (the "Company", "we", "us", or "our"), a company incorporated and registered under the laws of the Republic of Seychelles with international business company registration number 252002 and having its registered office at Suite 9, Ansuya Estate, Royal Street, Victoria, Mahe, Seychelles, operates as the definitive Data Controller for users accessing the Service outside the territories of the United States and the European Union / European Economic Area (collectively, the "Rest of the World" or "RoW" region). This Global Privacy Policy explains how we collect, process, and protect your personal identifiers, transactional metrics, and technical data when you interact with our artificial intelligence (AI) model aggregation platform, website, user interface, and associated applications (the "Service"). 1. Data collection and routing The Company implements explicit operational frameworks to collect, process, and securely route user metrics, transactional histories, and telemetry metadata. 1.1. Categories of Collected Information We capture and process the following specific categories of data: Account Identifiers: Your digital email address, automated user profile identification number (UID), registration timestamps, and encrypted login access logs. Technical Telemetry: Network Internet Protocol (IP) address, operating system parameters, browser engine fingerprints, and programmatic interaction timestamps. Commercial and Balance Telemetry (Non-Crypto Assets Standing): Comprehensive logs of billing interactions, selected payment currencies, transaction success metrics, and unique financial confirmation numbers synchronized with Payment Processors. This category encompasses detailed records of Subscription Plans and active utilization or balance carry-over of computational credit units (the "IQBID Tokens"). As detailed in the full source documentation, IQBID Tokens are strictly internal, proprietary, non-crypto technical metrics used exclusively for calculating data throughput, API execution costs, and server bandwidth for AI data generation. They explicitly do not constitute virtual currencies, crypto-assets, digital utilities, stablecoins, digital securities, or investment instruments, possessing zero cash value and remaining entirely non-transferable or non-redeemable for fiat or crypto.. Strict Cardholder Data Disclaimer: The Company strictly complies with international PCI DSS standards. We do not collect, capture, view, intercept, or store raw payment card numbers, expiration dates, or card security codes (CVV/CVC). All financial credentials are input directly into, and processed exclusively by, our authorized secure third-party financial infrastructure partners ("Payment Processors"). 1.2. Infrastructure API Routing To fulfill your computational data generation requests and execute advanced workspace prompts, the system converts your text prompts, structured questions, and uploaded multi-format files ("User Content") into secure API payloads. This payload data is automatically routed via end-to-end encrypted backend channels to international artificial intelligence infrastructure providers and downstream suppliers (such as OpenAI, LLC and Google LLC) acting as corporate Sub-processors located in the United States and other global cloud operational zones. 2. Data use for machine learning and AI training The Company periodically optimizes, fine-tunes, and enhances its proprietary software routing algorithms and operational machine learning layers utilizing anonymized or de-identified technical interaction metrics. 2.1. User Control Panel and Opt-Out Rights You maintain absolute personal authority over your digital content history. If you do not wish your text prompts, structured queries, or multi-format interaction logs ("User Content") to be utilized for technical model improvement or algorithmic tuning, you possess the right to disable this processing activity instantly and at any time. You can manage your preferences directly inside your digital User Dashboard under the "Data Controls" and privacy preferences panel, or by submitting a formal written request via electronic mail to our data operations team at: privacy@iqbid.ai. 2.2. Protection of Financial and Balance Standing The Company explicitly guarantees that exercising your right to opt out of machine learning data training will not result in any adverse consequences, account limitations, or technological degradation of core system functionalities. Furthermore, opting out will cause absolutely zero alterations or reductions to your active financial standing, including your currently running Subscription Plan tier limits or your permanent, non-expiring carry-over IQBID Tokens balance. 3. Data retention and storage timelines The Company applies strict operational retention schedules to ensure that user data is never kept longer than required for its explicit processing frameworks: 3.1. Account Data and Transactional Metrics Your account identifiers, profile credentials, access logs, and financial transaction references are securely retained in our databases for as long as your user account remains active, or for the duration strictly necessary to deliver your permanent computational limits, manage account standings, and satisfy the statutory financial auditing, tax reporting, and anti-fraud accounting requirements mandated by international regulations and our partner Payment Processors. This data retention is directly required to protect and maintain your non-expiring carry-over balance of IQBID Tokens. 3.2. User Content and Interface History Cache To manage operational cloud engineering overhead, maintain low interface latency, and protect your privacy, all User Content (text prompts, query strings, and uploaded multi-format files) along with machine-generated Outputs are securely cached in an encrypted state on our routing servers. This temporary cache is maintained solely to enable your active interface history view and continuous workspace retrieval. All cached data assets are automatically, definitely, and permanently deleted and overwritten within our server logs exactly ninety (90) calendar days from the date of initial generation, unless you manually execute a command to purge your chat history panel earlier via your user dashboard interface. 4. Changes to this Privacy Policy and Effective Date (a) Effective Version and Current Status: This Privacy Policy is effective, active, and legally binding upon users as of the "Effective Date" indicated at the top of this document. Any interactions, system data processing, session caching, or transactional histories executed on the Service are governed strictly by the specific version of the Privacy Policy active on the precise calendar date of such interaction. (b) Right to Modify and Amend: The Company reserves the absolute unilateral right to update, amend, modify, adjust, or completely replace any part, provision, or clause of this Privacy Policy, including changing the categories of processed metrics or the data management protocols regarding Subscription Plans and IQBID Tokens balance, at any time to reflect cloud infrastructure changes, security upgrades, or global regulatory updates. (c) User Responsibility to Monitor Updates: The Company will indicate policy updates exclusively by updating the "Effective Date" stamp at the top of this page. The Company is not obligated to dispatch individual email notifications or dashboard alerts regarding modifications. It is your sole personal responsibility to check this page periodically to maintain active awareness of the current data protection framework. Your continued access to or use of the Service following the publication of any modifications constitutes your immediate, absolute, and irrevocable acceptance of the updated Privacy Policy. If you do not agree to the updated policy, your sole remedy is to cease utilizing the Service immediately. 5. Contact information and corporate details For any administrative inquiries, data protection questions, requests to access or purge personal logs, or privacy notifications, please contact our data operations team via electronic mail at: privacy@iqbid.ai. Please ensure that your formal notifications explicitly contain your registered user account details to enable prompt verification. Corporate Processing Entity: IQBID Helios Limited Company Number: 252002 Registered Office Address: Suite 9, Ansuya Estate, Royal Street, Victoria, Mahe, Seychelles Cookie policy Effective Date: September 8, 2026 IQBID Helios Limited (registration number 252002, registered at Suite 9, Ansuya Estate, Royal Street, Victoria, Mahe, Seychelles) issues this Cookie Policy for users outside the US and EU/EEA (RoW region). 1. What are cookies and tracking technologies? Cookies are small data text files stored on your device that recognize your hardware, secure active sessions, and analyze server telemetry. 2. Categories of cookies we deploy (a) Strictly Necessary and Session Cookies and Token Demarcation: Vital for platform navigation, encrypted login, verifying active workspace access, and monitoring Subscription Plan parameters. This category strictly includes cookies required to accurately display usage-based computational credits (the "IQBID Tokens") on your profile interface. In alignment with our global frameworks, IQBID Tokens represent exclusively internal, proprietary, non-crypto technical software metrics used solely to measure AI data throughput and API execution costs. They possess absolutely zero cash value, do not constitute virtual currencies, stablecoins, digital securities, or asset-backed digital utilities, and remain completely non-transferable and non-redeemable for fiat currency or any other real-world financial assets. Disabling these cookies breaks core platform authentication frameworks. (b) Performance, Telemetry, and Analytics Cookies: Collect aggregated technical data on response latencies and traffic to optimize backend routing. 3. Data sharing protocol and interaction with AI models Cookies do not capture raw text prompts or User Content; backend API payloads handle data per the Global Privacy Policy. Third-party cookies from sub-processors (like OpenAI or Google) only monitor network stability. 4. The mandatory consent framework (how to control cookies) Users retain control over cookie preferences via browser settings, though disabling them may limit platform functionality. 5. Policy amendments and version tracking The policy is effective as of the stated date. The company reserves the right to amend the terms, with updates indicated by a revised effective date. 6. Contact and corporate details For inquiries, contact privacy@iqbid.ai. Company Name: IQBID Helios Limited Сompany number: 252002 Registered office: Suite 9, Ansuya Estate, Royal Street, Victoria, Mahe, Seychelles