Terms of service

FEES, SUBSCRIPTIONS AND BILLING TERMS

1. Subscription Plans and Fees

By selecting a paid tier of the Service (a "Subscription Plan"), you agree to pay IQBID Helios Limited (the "Company") the recurring monthly or annual fees indicated for that Subscription Plan. All transactions for US users are processed by third-party providers of the Company's payment infrastructure, including Payment Systems. You authorize the Company and its payment systems to charge all applicable fees from the payment method you specify, including any taxes and transaction processing fees.

2. PRE-PAIDPre-paid ACCESSaccess ONLY.only

The Service operates strictly on a one-time, pre-paid basis. You purchase a specific volume of credits, prompts, or execution limits ("Credit Packs") for a designated timeframe. There are no recurring charges, subscription commitments, or automatic renewals. Once your purchased Credit Pack is exhausted, your access to advanced features will be suspended until you execute a new individual transaction. ALL PURCHASES ARE STRICTLY FINAL AND NON-REFUNDABLE."_

3. Immediate Consumption of Digital Services

The Service provided constitutes the immediate provision of digital content, automated processing, and real-time access to aggregated third-party Artificial Intelligence (AI) models. By executing a transaction, you explicitly request and agree that the functional access to the Service, including your allocated prompt limits and token capacities, shall be delivered to your account immediately upon successful payment authorization.

4. Strict No-Refund and No-Credit Policy

EXCEPT AS EXPRESSLY PROVIDED IN THESE TERMS OR REQUIRED BY APPLICABLE LAW, ALL FEES AND CHARGES PAID TO THE COMPANY ARE STRICTLY NON-REFUNDABLE.

No refunds, partial credits, or pro-rated balances will be issued for:
(a) Partially used subscription periods;
(b) Unused prompt allocations, credits, or tokens within a billing cycle;
(c) Your dissatisfaction with the automated stylistic outputs, accuracy, correctness, or temporary "hallucinations" of the aggregated third-party AI models;
(d) Temporary downtime of individual third-party AI models (e.g., OpenAI, Google) that are beyond the Company's direct infrastructure control.

5. Usage-Based Limits (Tokens and Prompts)

Each Subscription Plan features specific quantitative usage limits (e.g., specific number of queries, processed files, or API tokens). Any unused allocations or balances at the conclusion of a monthly or annual billing period are strictly forfeited, do not roll over to the next billing cycle, possess zero cash value, and are completely non-redeemable for fiat currency, cryptocurrency, or credits.

6. Fraud Prevention and Chargeback Policy

The Company utilizes automated fraud detection mechanisms in conjunction with "Payment Processors". If you initiate an unauthorized or fraudulent chargeback, payment dispute, or reversal through your credit card issuer or bank for services already delivered, the Company reserves the absolute right to:
(a) Immediately and permanently terminate your User Account and block your access to all infrastructure without prior notice;
(b) Forfeit any remaining balances or content stored within your account; and
(c) Report the fraudulent activity to global payment merchant networks and credit reporting agencies.

You agree to contact our billing support team at billing@iqbid.ai to resolve any billing discrepancies or errors before initiating any formal bank disputes.

GOVERNING LAW AND DISPUTE RESOLUTION (ARBITRATION AGREEMENT)

1. MandatoryMANDATORY BindingBINDING IndividualINDIVIDUAL ArbitrationARBITRATION

PLEASE READ THIS SECTION CAREFULLY – IT MAY SIGNIFICANTLY AFFECT YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.

YouYOU andAND IQBID HeliosHELIOS LimitedLIMITED (theTHE "Company"COMPANY") agreeAGREE thatTHAT anyANY dispute,DISPUTE, claim,CLAIM, orOR controversyCONTROVERSY arisingARISING outOUT ofOF orOR relatingRELATING toTO theseTHESE TermsTERMS ofOF Service,SERVICE, theTHE Service,SERVICE, theTHE breach,BREACH, termination,TERMINATION, enforcement,ENFORCEMENT, interpretation,INTERPRETATION, orOR validityVALIDITY thereof,THEREOF, orOR theTHE useUSE ofOF theTHE ServiceSERVICE (collectively,COLLECTIVELY, "Disputes"DISPUTES") shallSHALL beBE resolvedRESOLVED EXCLUSIVELY BY BINDING, INDIVIDUAL ARBITRATION, ratherRATHER thanTHAN inIN aA courtCOURT ofOF generalGENERAL jurisdiction.JURISDICTION.

YouYOU andAND theTHE CompanyCOMPANY explicitlyEXPLICITLY waiveWAIVE theTHE rightRIGHT toTO aA trialTRIAL byBY juryJURY orOR toTO participatePARTICIPATE inIN aA classCLASS actionACTION lawsuit.LAWSUIT.

2. InformalINFORMAL DisputeDISPUTE ResolutionRESOLUTION RequiredREQUIRED

BeforeBEFORE initiatingINITIATING anyANY formalFORMAL arbitrationARBITRATION proceedings,PROCEEDINGS, youYOU andAND theTHE CompanyCOMPANY agreeAGREE toTO attemptATTEMPT toTO resolveRESOLVE theTHE DisputeDISPUTE informally.INFORMALLY.
(a)A) ToTO initiateINITIATE thisTHIS process,PROCESS, youYOU mustMUST sendSEND aA detailedDETAILED writtenWRITTEN noticeNOTICE ofOF yourYOUR claimCLAIM (aA "DisputeDISPUTE Notice"NOTICE") toTO ourOUR legalLEGAL departmentDEPARTMENT viaVIA emailEMAIL atAT legal@iqbid.ai.LEGAL@IQBID.AI.
(b)B) TheTHE DisputeDISPUTE NoticeNOTICE mustMUST containCONTAIN yourYOUR fullFULL name,NAME, registeredREGISTERED emailEMAIL address,ADDRESS, aA descriptionDESCRIPTION ofOF theTHE natureNATURE andAND basisBASIS ofOF theTHE claim,CLAIM, andAND theTHE specificSPECIFIC reliefRELIEF sought.SOUGHT.
(c)C) YouYOU andAND theTHE CompanyCOMPANY agreeAGREE toTO negotiateNEGOTIATE inIN goodGOOD faithFAITH toTO resolveRESOLVE theTHE DisputeDISPUTE forFOR aA periodPERIOD ofOF sixtySIXTY (60) calendarCALENDAR daysDAYS followingFOLLOWING receiptRECEIPT ofOF theTHE DisputeDISPUTE Notice.NOTICE. IfIF theTHE DisputeDISPUTE isIS notNOT resolvedRESOLVED withinWITHIN thisTHIS sixtySIXTY (60) dayDAY period,PERIOD, eitherEITHER partyPARTY mayMAY proceedPROCEED toTO fileFILE forFOR formalFORMAL arbitration.ARBITRATION.

3. ArbitrationARBITRATION RulesRULES andAND ForumFORUM

TheTHE arbitrationARBITRATION shallSHALL beBE administeredADMINISTERED andAND conductedCONDUCTED byBY theTHE AmericanAMERICAN ArbitrationARBITRATION AssociationASSOCIATION ("AAA") inIN accordanceACCORDANCE withWITH itsITS ConsumerCONSUMER ArbitrationARBITRATION RulesRULES and/orAND/OR CommercialCOMMERCIAL ArbitrationARBITRATION Rules,RULES, asAS applicableAPPLICABLE (theTHE "AAA Rules"RULES"), exceptEXCEPT asAS modifiedMODIFIED byBY thisTHIS ArbitrationARBITRATION Agreement.AGREEMENT. TheTHE AAA RulesRULES areARE availableAVAILABLE onlineONLINE atAT www.adr.orgWWW.ADR.ORG.

TheTHE arbitrationARBITRATION proceedingsPROCEEDINGS shallSHALL beBE conductedCONDUCTED entirelyENTIRELY inIN theTHE EnglishENGLISH language.LANGUAGE. UnlessUNLESS otherwiseOTHERWISE agreedAGREED betweenBETWEEN theTHE parties,PARTIES, theTHE arbitrationARBITRATION shallSHALL takeTAKE placePLACE remotelyREMOTELY viaVIA teleconferenceTELECONFERENCE orOR videoVIDEO conference,CONFERENCE, orOR basedBASED solelySOLELY onON writtenWRITTEN submissions,SUBMISSIONS, toTO minimizeMINIMIZE costsCOSTS forFOR bothBOTH parties.PARTIES.

4. Arbitrator'sARBITRATOR'S AuthorityAUTHORITY andAND DecisionsDECISIONS

TheTHE arbitrationARBITRATION shallSHALL beBE presidedPRESIDED overOVER byBY aA single,SINGLE, neutralNEUTRAL arbitratorARBITRATOR appointedAPPOINTED inIN accordanceACCORDANCE withWITH AAA rules.RULES. TheTHE arbitratorARBITRATOR shallSHALL haveHAVE theTHE exclusiveEXCLUSIVE authorityAUTHORITY toTO resolveRESOLVE allALL disputesDISPUTES regardingREGARDING theTHE interpretation,INTERPRETATION, applicability,APPLICABILITY, enforceability,ENFORCEABILITY, orOR formationFORMATION ofOF thisTHIS ArbitrationARBITRATION Agreement,AGREEMENT, includingINCLUDING anyANY claimCLAIM thatTHAT allALL orOR anyANY partPART ofOF theseTHESE TermsTERMS isIS voidVOID orOR voidable.VOIDABLE.

TheTHE arbitrator’sARBITRATOR’S decisionDECISION andAND awardAWARD shallSHALL beBE final,FINAL, binding,BINDING, andAND non-appealable,NON-APPEALABLE, andAND judgmentJUDGMENT onON theTHE awardAWARD renderedRENDERED byBY theTHE arbitratorARBITRATOR mayMAY beBE enteredENTERED inIN anyANY courtCOURT havingHAVING competentCOMPETENT jurisdictionJURISDICTION thereof.THEREOF. TheTHE arbitratorARBITRATOR mayMAY awardAWARD declaratoryDECLARATORY orOR injunctiveINJUNCTIVE reliefRELIEF onlyONLY inIN favorFAVOR ofOF theTHE individualINDIVIDUAL partyPARTY seekingSEEKING reliefRELIEF andAND onlyONLY toTO theTHE extentEXTENT necessaryNECESSARY toTO providePROVIDE reliefRELIEF warrantedWARRANTED byBY thatTHAT party'sPARTY'S individualINDIVIDUAL claim.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,FURTHER, unlessUNLESS bothBOTH youYOU andAND theTHE CompanyCOMPANY agreeAGREE otherwiseOTHERWISE inIN writing,WRITING, theTHE arbitratorARBITRATOR mayMAY notNOT consolidateCONSOLIDATE moreMORE thanTHAN oneONE person'sPERSON'S claims,CLAIMS, andAND mayMAY notNOT otherwiseOTHERWISE presidePRESIDE overOVER anyANY formFORM ofOF aA representativeREPRESENTATIVE orOR classCLASS proceeding.PROCEEDING.

6. AllocationALLOCATION ofOF ArbitrationARBITRATION CostsCOSTS andAND FeesFEES

PaymentPAYMENT ofOF allALL filing,FILING, administration,ADMINISTRATION, andAND arbitratorARBITRATOR feesFEES willWILL beBE governedGOVERNED byBY theTHE AAA'sS rules.RULES. ForFOR anyANY individual,INDIVIDUAL, non-frivolousNON-FRIVOLOUS claimCLAIM thatTHAT doesDOES notNOT exceedEXCEED $10,000 (USD), theTHE CompanyCOMPANY agreesAGREES toTO payPAY itsITS shareSHARE ofOF theTHE AAA administrativeADMINISTRATIVE fees,FEES, providedPROVIDED thatTHAT youYOU complyCOMPLY withWITH theTHE InformalINFORMAL DisputeDISPUTE ResolutionRESOLUTION procedurePROCEDURE outlinedOUTLINED inIN SectionSECTION 2. EachEACH partyPARTY shallSHALL bearBEAR itsITS ownOWN attorneys'ATTORNEYS' feesFEES andAND legalLEGAL expensesEXPENSES unlessUNLESS theTHE arbitratorARBITRATOR determinesDETERMINES thatTHAT eitherEITHER theTHE substanceSUBSTANCE ofOF theTHE claimCLAIM orOR theTHE reliefRELIEF soughtSOUGHT wasWAS frivolousFRIVOLOUS orOR broughtBROUGHT forFOR anAN improperIMPROPER purposePURPOSE (asAS measuredMEASURED byBY theTHE standardsSTANDARDS setSET forthFORTH inIN FederalFEDERAL RuleRULE ofOF CivilCIVIL ProcedurePROCEDURE 11(b)B)).

7. Opt-OutOPT-OUT ProcedurePROCEDURE

YouYOU haveHAVE theTHE rightRIGHT toTO optOPT outOUT ofOF thisTHIS ArbitrationARBITRATION AgreementAGREEMENT andAND theTHE ClassCLASS ActionACTION Waiver.WAIVER. ToTO doDO so,SO, youYOU mustMUST sendSEND aA clear,CLEAR, writtenWRITTEN opt-outOPT-OUT noticeNOTICE viaVIA emailEMAIL toTO legal@iqbid.aiLEGAL@IQBID.AI withinWITHIN thirtyTHIRTY (30) calendarCALENDAR daysDAYS fromFROM theTHE dateDATE youYOU firstFIRST registerREGISTER yourYOUR UserUSER AccountACCOUNT orOR accessACCESS theTHE Service.SERVICE.

YourYOUR opt-outOPT-OUT emailEMAIL mustMUST include:INCLUDE:
(a)A) YourYOUR fullFULL legalLEGAL name;NAME;
(b)B) YourYOUR registeredREGISTERED accountACCOUNT emailEMAIL address;ADDRESS; andAND
(c)C) A unequivocalUNEQUIVOCAL statementSTATEMENT thatTHAT youYOU declineDECLINE thisTHIS ArbitrationARBITRATION Agreement.AGREEMENT.

IfIF youYOU optOPT outOUT inIN complianceCOMPLIANCE withWITH thisTHIS procedure,PROCEDURE, allALL otherOTHER sectionsSECTIONS ofOF theseTHESE TermsTERMS ofOF ServiceSERVICE willWILL continueCONTINUE toTO applyAPPLY toTO you,YOU, andAND DisputesDISPUTES willWILL beBE resolvedRESOLVED inIN accordanceACCORDANCE withWITH SectionSECTION 8 below.BELOW.

8. GoverningGOVERNING LawLAW andAND VenueVENUE forFOR Non-ArbitrableNON-ARBITRABLE DisputesDISPUTES

ExceptEXCEPT asAS otherwiseOTHERWISE requiredREQUIRED byBY applicableAPPLICABLE consumerCONSUMER protectionPROTECTION laws,LAWS, theseTHESE TermsTERMS ofOF Service,SERVICE, theTHE Service,SERVICE, andAND anyANY DisputesDISPUTES shallSHALL beBE governedGOVERNED by,BY, andAND construedCONSTRUED inIN accordanceACCORDANCE with,WITH, theTHE lawsLAWS ofOF theTHE RepublicREPUBLIC ofOF Seychelles,SEYCHELLES, withoutWITHOUT regardREGARD toTO itsITS conflictCONFLICT ofOF lawLAW principles.PRINCIPLES.

InIN theTHE eventEVENT thatTHAT thisTHIS ArbitrationARBITRATION AgreementAGREEMENT isIS foundFOUND toTO beBE unenforceableUNENFORCEABLE orOR ifIF youYOU successfullySUCCESSFULLY optOPT outOUT underUNDER SectionSECTION 7, youYOU andAND theTHE CompanyCOMPANY agreeAGREE thatTHAT anyANY legalLEGAL proceedingsPROCEEDINGS shallSHALL beBE broughtBROUGHT exclusivelyEXCLUSIVELY inIN theTHE competentCOMPETENT courtsCOURTS locatedLOCATED inIN Victoria,VICTORIA, Mahé,MAHÉ, RepublicREPUBLIC ofOF Seychelles,SEYCHELLES, andAND bothBOTH partiesPARTIES herebyHEREBY consentCONSENT toTO theTHE personalPERSONAL jurisdictionJURISDICTION andAND venueVENUE ofOF suchSUCH courts.COURTS.