Terms of service
Effective Date: September 8, 2026
FEES, COMPUTATIONAL PACKAGES, AND BILLING TERMS
1. Subscription Plans and Fees
By selecting a paidspecific computational tier or allocation level of the Service (a "Subscription Plan"), you agree to pay IQBID Helios Limited (the "Company") the recurringdesignated monthlyone-time or annual feesfee indicated for that Subscriptionselected Plan.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 Systems.Processors"). You authorize the Company and its paymentpartner systemsPayment Processors to charge all applicable fees from the payment method you specify, including any statutory sales taxes and transaction processing fees.
2. Pre-paidPre-Paid accessAccess only
Only (No Automatic Renewals)
The Service operates strictly on a one-time, pre-paid basis. You purchase a specific quantitative volume of credits, prompts, queries, or server execution limits ("Credit Packs") for a designated timeframe. There are no recurring charges, ongoing subscription commitments, orhidden automatic renewals.renewals, or latent account billings. Once your purchased Credit Pack isor Subscription Plan limits are exhausted, your access to advanced platform features will be automatically suspended until you execute a new individual payment transaction. ALL PURCHASES ARE STRICTLY FINAL AND NON-REFUNDABLE."_FINAL.
3. Immediate Consumption of Digital Services
The Service provided constitutes the immediate provision of digital content, automated software processing, and real-time access to aggregated third-party Artificial Intelligence (AI) models. By executing aan individual 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 user 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,MANDATORY CONSUMER PROTECTION LAWS, 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 usedor subscriptionfully periods;consumed Credit Packs or active prompt allocations;
(b) Unused prompt allocations, credits, or tokens withinafter athe billingexpiration cycle;of the designated timeframe;
(c) Your subjective dissatisfaction with the automated stylistic outputs, accuracy, correctness, parameters, or temporary "hallucinations" of the aggregated third-party AI models;
(d) Temporary downtime or latency spikes of individual third-party AI models (e.g.,including OpenAI,but Google)not limited to OpenAI and Google models) 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 allocationsallocations, quotas, or balances at the conclusion of athe monthlydesignated orexpiration annual billing periodtimeframe are strictly forfeited, do not roll over to theany nextsubsequent billingpurchase cycle, possess zero cash or commercial value, and are completely non-redeemable for fiat currency, cryptocurrency, or platform credits.
6. Fraud Prevention and Chargeback Policy
The Company utilizes automated fraud detection mechanisms in conjunction with "its Payment Processors".Processors. If you initiate an unauthorizedunauthorized, bad-faith, 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 IP network access to all infrastructure without prior notice;
(b) Forfeit any remaining balancesbalances, token allocations, or content stored within your account;workspace; and
(c) Report the fraudulent activity to global payment merchant networksnetworks, financial databases, and credit reporting agencies.
You explicitly agree to contact our billing support team at billing@iqbid.ai to resolve any billing discrepanciesdiscrepancies, processing errors, or errorstechnical failures before initiating any formal bank disputes.disputes or chargeback requests.
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.
YOU AND IQBID HELIOS LIMITED (THE "COMPANY")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. INFORMALInformal DISPUTEDispute RESOLUTIONResolution REQUIREDRequired
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. ARBITRATIONArbitration RULESRules ANDand FORUM
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"), EXCEPT AS MODIFIED BY THIS ARBITRATION AGREEMENT.. THE AAA RULES ARE AVAILABLE ONLINE AT WWW.ADR.ORG.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'SArbitrator's AUTHORITYAuthority ANDand DECISIONS
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. CLASSClass ACTIONAction ANDand JURYJury TRIALTrial WAIVER
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. ALLOCATIONAllocation OFof ARBITRATIONArbitration COSTSCosts ANDand FEESFees
PAYMENT OF ALL FILING, ADMINISTRATION, AND ARBITRATOR FEES WILL BE GOVERNED BY THE AAA'S RULES. FOR ANY INDIVIDUAL, NON-FRIVOLOUS CLAIM THAT DOES NOT EXCEED $10,000 (USD), THE COMPANY AGREES TO PAY ITS SHARE OF THE AAA ADMINISTRATIVE FEES, PROVIDED THAT YOU 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 DETERMINES THAT EITHER THE SUBSTANCE OF THE CLAIM OR THE RELIEF SOUGHT WAS FRIVOLOUS OR BROUGHT FOR AN IMPROPER PURPOSE (AS MEASURED BY THE STANDARDS SET FORTH IN FEDERAL RULE OF CIVIL PROCEDURE 11(B)).
7. OPT-OUTOpt-Out PROCEDUREProcedure
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
If you successfully opt out under Section 7, or if any part of this Arbitration Agreement is found by a court of competent jurisdiction to be unenforceable, you and the Company agree that all remaining sections of these Terms of Service will continue to apply. In such cases, all Disputes shall be governed by, and construed in accordance with, the laws of the Republic of Seychelles. Any formal legal action arising from non-arbitrable matters shall be brought exclusively before the competent courts located in Victoria, Mahé, Republic of Seychelles, and both parties hereby consent to the personal jurisdiction and venue of such courts.
IF YOU OPT OUT IN COMPLIANCE WITH THIS PROCEDURE, ALL OTHER SECTIONS OF THESE TERMS OF SERVICE WILL CONTINUE TO APPLY TO YOU, AND DISPUTES WILL BE RESOLVED IN ACCORDANCE WITH SECTION 8 BELOW.
8. GOVERNING LAW AND VENUE FOR NON-ARBITRABLE DISPUTES
EXCEPT AS OTHERWISE REQUIRED BY APPLICABLE CONSUMER PROTECTION LAWS, THESE TERMS OF SERVICE, THE SERVICE, AND ANY DISPUTES SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAWS OF THE REPUBLIC OF SEYCHELLES, WITHOUT REGARD TO ITS CONFLICT OF LAW PRINCIPLES.
IN THE EVENT THAT THIS ARBITRATION AGREEMENT IS FOUND TO BE UNENFORCEABLE OR IF YOU SUCCESSFULLY OPT OUT UNDER SECTION 7, YOU AND THE COMPANY AGREE THAT ANY LEGAL PROCEEDINGS SHALL BE BROUGHT EXCLUSIVELY IN THE COMPETENT COURTS LOCATED IN VICTORIA, MAHÉ, REPUBLIC OF SEYCHELLES, AND BOTH PARTIES HEREBY CONSENT TO THE PERSONAL JURISDICTION AND VENUE OF SUCH COURTS.