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Terms of service

Effective Date: September 9, 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 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 ..... and having its registered office .....,  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.

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
  • Registered company number:
Registered Corporate Address:















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