Terms of service
Effective Date: September 8, 2026
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 computational tier or allocation level of the Service (a "Subscription Plan"),Plan, you agree to pay IQBID Helios Limited (the "Company") 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. You purchase a specific quantitative volume of credits, prompts, queries, or server execution limits ("Credit Packs")basis for a designated timeframe.timeframe, with There are no recurring charges, ongoing subscription commitments, hidden automatic renewals, or latenthidden accountbillings. billings.Access suspends upon expiration until a new purchase is made. All purchases are final.
(b) Non-Expiration and Token Carry-Over Rule: OnceIQBID yourTokens purchaseddo Creditnot Packexpire orat the end of a Subscription Plan limitsperiod. Unused tokens are exhausted,fully preserved and carried over to your accessglobal toaccount advancedbalance.
(c) featuresUtilization willof Carried-Over Balances: Carried-over tokens remain in your account and can be automaticallyused suspendedfor untilsubsequent youplan executepurchases aor newacross individualother paymentintegrated transaction.company ALL PURCHASES ARE STRICTLY FINAL.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. By executing an individual transaction, you explicitly requestmodels and agreeunderlying thatcomputing theinfrastructures, functionalwith accessfull toservice theactivation Service, including your allocated prompt limits and token capacities, shall be delivered to your user accountoccurring immediately upon successful 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 for:(a)under Partiallyany orcircumstances, fullyincluding consumedunused Creditsubscription Packsperiods, orAI activeoutput prompt allocations;(b) Unused prompt allocations, credits, or tokens after the expiration of the designated timeframe;(c) Your subjective dissatisfaction with the automated stylistic outputs, accuracy, correctness, parameters, or temporary "hallucinations" of the aggregateddissatisfaction, third-party AIinfrastructure models;(d) Temporary downtimedowntime, or latencyunspent spikesIQBID ofTokens, individualwhich third-partyremain AIvalid modelson (includingyour butbalance notwithout limited to OpenAIexpiration and Googlehave models)no thatcash arevalue beyond.
5. Usage-Based Limits (Tokens and Prompts)
Each purchased Subscription Plan features specific quantitative and technical usage limitslimits, governing both the available functional software interface and your allocated computational credit balance.
(e.g.,a) Expiration of Interface Access: The structural right to access specific numberworkspace ofcapabilities, queries,interface processed files,features, or APIdistinct tokens).high-tier Anysoftware unusedконтуры allocations,under quotas,your orchosen balancesSubscription atPlan will automatically expire, lock, and cease to function upon the exact calendar conclusion of the designatedpre-paid expirationbilling 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 strictlyexplicitly forfeited,preserved, do not rollexpire, and shall safely carry over to anyyour subsequentaccount purchaseprofile cycle,as a permanent computational balance.
(c) Legal and Non-Monetary Status: Carried-over IQBID Tokens possess absolutely zero independent commercial or cash orvalue, commercialdo value,not accrue interest, are strictly non-transferable between separate user accounts, and are completely non-redeemable for fiat currency, cryptocurrency, or platformany credits.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 utilizesemploys automated fraud detection mechanismsand inverification conjunctiontools with itspayment Paymentprocessors. Processors.Because Ifdigital youaccess initiateand annon-expiring unauthorized,IQBID bad-faith,Tokens are provisioned instantly upon payment, a zero-tolerance policy applies to unauthorized or fraudulent chargeback, payment dispute,disputes.
Initiating a bad-faith chargeback or reversal throughfor yourdelivered credit card issuercredits or banksubscriptions forconstitutes servicesa alreadymaterial delivered,breach of this Agreement. Upon a chargeback notice, the Company reservesmay immediately execute the absolutefollowing rightactions to:
without prior notice:
(a) ImmediatelyImmediate andInfrastructure permanentlyBan: terminateTerminate yourthe User Account and block your IP network access to all infrastructure without prior notice;access;
(b) Contractual Balance Forfeiture: Forfeit any remaining balances,balances tokenand allocations,unspent ortokens contentas storeda withinpre-agreed yourcontractual workspace;penalty; and
(c) Global Credit Reporting: Report the fraudulent activity to global payment merchant networks, financial databases,risk databases and credit reporting agencies.bureaus.
YouUsers explicitly agree to contact our billing support team at billing@iqbid.ai to resolve any billing discrepancies, processing errors, or technical failuresdiscrepancies before initiating any formal bank disputes or chargeback requests.disputes.
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 THATWHERE 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 optexecute the opt-out procedure under Section 7, or if all or any designated part of this Arbitration Agreement is foundjudicially 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.apply in full force. In all such cases,non-arbitrable allinstances 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.Seychelles, Anywithout giving effect to any principles of conflicts of law.
Furthermore, any formal legal actionaction, trial, or judicial proceeding arising from non-arbitrable mattersmatters, or brought following a valid arbitration opt-out, shall be broughtinitiated and maintained exclusively before the competent civil courts located in Victoria, Mahé, Republic of Seychelles,Seychelles. and bothBoth parties hereby explicitly and irrevocably consent to the personal jurisdictionjurisdiction, venue, and venueforum of such courts.Seychelles courts and waive any objections based on inconvenient forum (forum non conveniens).
9. 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: