Termini tas-Servizz MyIQ

Definitions
Welcome and Introduction
IQ Testing and Training Disclaimers
Acceptance of Terms
Account Eligibility and Security
Subscription Services
6.1 Plans and Pricing
6.2 Trial Period
6.3 Billing and Payment
6.4 Cancellation Process
Refund Policy
Intellectual Property Rights
User Content and Rights
Service Level Agreement (SLA)
Technical Requirements
Customer Support and Complaints
Limitation of Liability
Dispute Resolution
Service Modifications
Account Termination
Legal Information

1. DEFINITIONS

1.1 Service and Platform Terms

myIQ: Operating as myIQ ("we," "us," or "our")
Service: All features, functionalities, programs, and content available through myIQ
Platform: Our website, applications, and related services accessible via any device
User: Any individual or entity accessing or using our services ("you" or "your")

1.2 Testing and Training Terms

IQ Score: A numerical result generated by our proprietary educational assessment algorithm
Brain Training Programs: Interactive cognitive exercises and activities available on our platform
Training Content: Educational materials, exercises, games, and assessments

1.3 Subscription Terms

Subscription: Recurring paid access to premium features
Trial Period: Initial 7-day access period available for $0.99
Standard Subscription: Recurring paid access following trial period
Billing Cycle: The frequency of subscription charges (weekly, monthly, or quarterly)

1.4 Security Terms

Authentication Code: Time-sensitive, single-use verification code for account access
Account Security: Methods and procedures for protecting user access
Access Credentials: Information used to verify user identity

1.5 Technical Terms

Force Majeure: Circumstances beyond reasonable control preventing or delaying service delivery, including:

Natural disasters (earthquakes, floods, storms)
Government actions or regulations
War, terrorism, or civil unrest
Cyber attacks or security incidents
Network or infrastructure failures
Pandemics or health emergencies
Internet service provider outages
Power grid failures
Other circumstances beyond our reasonable control

2. WELCOME AND INTRODUCTION

2.1 Platform Overview

Welcome to MyIQ! We provide educational cognitive assessment and training services through our digital platform.

2.2 Agreement to Terms

By accessing or using MyIQ:

You agree to these terms and conditions
You accept our privacy policy
You consent to our data practices
You acknowledge our service limitations

2.3 Access Methods

These terms apply to all service access methods:

Web browsers
Mobile devices
Tablet computers
Desktop applications
Third-party integrations
Any future access methods

3. IQ TESTING AND TRAINING DISCLAIMERS

3.1 Educational Entertainment Purpose

MyIQ provides IQ testing and brain training services for educational entertainment only. Users acknowledge and agree that:

Our services are not professional psychological tools
Tests are not equivalent to clinical IQ assessments
Results are for personal interest and entertainment
Scores should not be used for academic, professional, or medical purposes

3.2 Testing Limitations

Users understand that test results:

3.2.1 May not reflect actual intelligence or cognitive ability

3.2.2 Can be influenced by numerous factors including:

Environmental conditions
Physical and mental state
Time of day
Testing environment
Device and internet connection
Personal stress levels
Familiarity with testing format

3.3 Training Program Disclosure

Regarding our brain training programs:

Content is based on general cognitive exercise principles
No formal clinical studies support our specific programs
Effectiveness has not been independently verified
Individual results will vary significantly
Progress in games may not translate to real-world cognitive improvement

3.4 Professional Advice Notice

Users are advised that:

3.4.1 Our services do not replace professional assessment

3.4.2 We do not provide medical or psychological advice

3.4.3 Consult qualified professionals for:

Clinical intelligence testing
Cognitive health assessment
Educational or career guidance
Medical or psychological evaluation

3.5 User Responsibility

By using our services, you acknowledge:

3.5.1 All use is at your own risk and discretion

3.5.2 No guarantees of improvement are made

3.5.3 We are not liable for:

Decisions made based on results
Academic or career choices
Personal or professional outcomes
Emotional responses to scores
Interpretation of results

For clinical assessment of cognitive abilities or intelligence, please consult licensed psychological professionals.

4. ACCEPTANCE OF TERMS

4.1 Agreement to Terms

By accessing or using MyIQ's website and services, you acknowledge that you have read, understood, and agree to be bound by these terms.

If you do not agree with any part of these terms, you must not use our services.
Your continued use of our services following any changes constitutes acceptance of those changes.

4.2 Modifications to Terms

We reserve the right to modify these terms at any time.
We will notify users of material changes via email.

Changes become effective:

For new users: Immediately upon posting
For existing users: 30 days after notification

Your continued use after changes indicates acceptance of updated terms.

5. ACCOUNT ELIGIBILITY AND SECURITY

5.1 Age Requirements

Minimum age: 18 years
Legal age in jurisdiction
Age verification may be required

5.2 Account Creation

One account per user
Valid email required
Accurate information needed
Regular updates required

5.3 Security Requirements

Secure email management
Protection of access codes
Unauthorized access reporting
Information accuracy maintenance

5.4 Account Protection

Passwordless authentication
Single-use verification codes
Time-limited access
Session security measures

5.5 Prohibited Activities

Multiple accounts
Credential sharing
False information
Unauthorized access
Security bypasses

5.6 Organizational Usage

Proper authority required
Authorization verification
Usage restrictions
Authority changes reporting

5.7 Data Retention Policy

To ensure security and efficiency, we automatically remove inactive user accounts after 365 days of inactivity.

Retention or Deletion Decision:

If a user has had at least one conversation in the past 365 days, their data remains active until their most recent conversation exceeds the 365-day limit.
If a user has not interacted with our platform for over 365 days, their account and all associated data will be permanently deleted.

What This Means for You:

Regular users remain active, but accounts inactive for over 365 days will be automatically removed.

This policy ensures a secure and efficient platform. To keep your account active, engage with our platform periodically.
For any questions, please contact our support team.
Thank you for being a valued user!

6. SUBSCRIPTION SERVICES

6.1 Subscription Options

Initial Trial:

7-day trial period
One-time charge of $0.99
Full access to all premium features
Converts to selected plan rate after trial

Standard Subscription Pricing:

Begins after the trial period ends.
Charged at the rate selected during signup.
Regional pricing applies (see Section 6.2).
No additional trial periods available.

Price Transition:

Trial price ($0.99) applies for the first 7 days only.
Selected subscription rate begins immediately after the trial.
First standard charge occurs on trial expiration.
Users are notified of the exact pricing before the trial ends.

Example:

If you select a $19.99/month plan with a trial:

Day 1-7: $0.99 total (trial period)
Day 8 onwards: $19.99/month (standard rate)
Option to cancel before standard rate begins

6.2 Standard Subscription Plans

Base pricing in USD*:

Weekly Plans:

Basic: $9.99/week
Premium: $19.99/week

Monthly Plans:

Starter: $19.99/month
Plus: $29.99/month
Pro: $39.99/month
Premium: $59.99/month
Ultimate: $69.99/month

Quarterly Plan:

Premium Quarterly: $39.99/quarter

*Regional Pricing:

Prices may be displayed in your local currency.
Your exact price will be clearly shown during sign-up process.
Final rates vary based on:
- Local sales tax and VAT requirements
- Regional pricing adjustments
- Currency conversion rates
- Geographic market conditions
- Purchasing power parity
- Current promotions
- Seasonal offerings
You will be charged the exact amount shown during your sign-up.
The price displayed at sign-up will be your guaranteed rate.
No hidden fees or additional charges will be added after sign-up.
Any future changes to your subscription rate will be communicated in advance.

Note: While base prices are listed in USD above, you will always see your actual local price before completing any purchase. The price shown during your sign-up process is the exact amount you will be charged, with all applicable regional factors already included.

6.3 Payment and Billing

Security:

PCI-DSS compliant payment processing
Major credit/debit cards accepted
Select regional payment methods supported

Billing Protection:

Automatic billing on subscription renewal
Price lock guarantee for existing subscribers
Pricing changes only affect new subscriptions

Failed Payment Policy:

Multiple retry attempts over 30 days
Account suspension after 30 days of failed payments
Bank fees for declined payments are customer responsibility

6.4 Subscription Management

Cancellation Options:

Self-service portal (recommended)
Customer support email: [email protected]
Help center guided process

Post-Cancellation Terms:

Service continues until current period ends.
No automatic renewals after cancellation.
No partial refunds for unused time.
Account reactivation is available at current rates.

Important Notes:

All subscriptions auto-renew until canceled.
Cancel anytime before renewal to avoid charges.
Subscription features may vary by region.
Some features may be available as one-time purchases ($4.99-$19.99).

7. REFUND POLICY

7.1 Trial Period Refunds ($0.99)

Eligible for full refund within 30 days of purchase if:

First-time trial user
No previous trial refunds on any account
No terms of service violations
Request submitted through official channels

7.2 Regular Subscription Refunds

Not eligible for refunds except in these specific cases:

Service Unavailability

Documented downtime exceeding 24 consecutive hours. Not caused by scheduled maintenance or force majeure events.

Technical Issues

Platform bugs preventing core feature access.

Must be reported within 30 days of the charge
Must be verified by our technical team.
Billing Errors
Duplicate charges
Incorrect amount charged
Unauthorized transactions.
Legal Requirements

As required by applicable laws in your jurisdiction.

7.3 Non-Refundable Cases

The following are explicitly not eligible for refunds:

Partial/unused subscription time after cancellation
Plan downgrades
Feature unavailability during maintenance
Change of mind or no longer needing service
Failure to cancel before renewal

7.4 Refund Process

7.4.1. Submit a request through:

7.4.2 Include:

Account email
Transaction details
Reason for refund
Supporting documentation

7.4.3 Processing time: 3 business days

7.5 Currency Processing

7.5.1 Supported Currencies

We process payments in local currency for:

United States (USD)
European Union (EUR)
United Kingdom (GBP)
Canada (CAD)
Australia (AUD)

For all other regions, charges will be processed in USD.

7.5.2 Currency Conversion

Exchange rates are determined by your bank or card issuer.
Any currency conversion fees charged by your bank are not refundable.
You may see currency conversion charges on your statement from your bank.
These conversion charges are separate from our service charges and are not controlled by myIQ.

Note: While we don't charge additional fees for currency conversion, your bank or card issuer may apply their own conversion fees or charges. Please check with your financial institution for details about their international transaction policies.

8. INTELLECTUAL PROPERTY RIGHTS

8.1 Ownership Rights

All platform content and functionality are owned by myIQ.
Protected by international copyright laws.
All trademarks and service marks are proprietary.

8.2 Licensed Content

Personal, non-commercial use only
Non-transferable license
No modification permitted
No source code extraction
No redistribution allowed

8.3 Prohibited Actions

Reverse engineering
Content reproduction
Copyright notice removal
Derivative works creation
Unauthorized distribution

9. USER CONTENT AND RIGHTS

9.1 User Ownership

Users retain full ownership of submitted content
Includes profile information, responses, and custom content
Personal data remains user property

9.2 License to myIQ

Users grant myIQ:

Non-exclusive license
Worldwide usage rights
Royalty-free terms
Perpetual duration
Transfer rights
Sublicense permission

9.3 Content Usage Rights

myIQ may:

Display user content
Optimize for technical purposes
Analyze for improvements
Use in anonymized research
Include in statistics

9.4 Content Restrictions

Users must not submit:

Copyrighted material
Malicious code
Harmful content
Inappropriate material
Deceptive information

9.5 Quality Standards

All content must meet:

Technical requirements
Format specifications
Quality guidelines
Safety standards

10. SERVICE LEVEL AGREEMENT (SLA)

10.1 Service Availability

97% annual uptime guarantee
Maintenance exclusions
Subject to Force Majeure events (as defined in Section 1.5)
Performance monitoring

10.2 Change Categories

A. Standard Changes

Feature updates
Interface improvements
Performance optimization
15-day notice required
User communication provided

B. Emergency Changes

Critical security updates
Legal compliance requirements
System stability issues
Immediate implementation
Post-change notification

10.3 Maintenance Windows

Scheduled: 24-hour notice
Emergency: Immediate when required
Duration: Maximum 4 hours
Timing: Low-usage periods

10.4 Service Credits

95-97% uptime: 3-day credit
90-95% uptime: 7-day credit
Below 90%: 14-day credit

11. TECHNICAL REQUIREMENTS

11.1 Browser Support

Supported Browsers and Versions:

Google Chrome (version 90 or later)
Mozilla Firefox (version 88 or later)
Safari (version 14 or later)
Microsoft Edge (Chromium-based version 90 or later)

Update Requirements:

Security updates: Required within 60 days of release.
Security patches: Mandatory installation.
Legacy version support: 6 months.
3Feature deprecation notice: 30 days advance warning

11.2 Display Requirements

Minimum screen resolution: 320x480 pixels
Recommended resolution: 768x1024 pixels
Responsive design support
Automatic interface adaptation

11.3 Mobile Device Requirements

11.3.1 iOS Devices:

11.3.1.1 iOS version 13.0 or later 11.3.1.2 Compatible devices:

iPhone 6s and newer
iPad Air 2 and newer
iPod Touch 7th generation and newer 11.3.1.3 Regular security updates required 11.3.1.4 Automatic updates recommended

11.3.2 Android Devices:

Android version 8.0 (Oreo) or later
Hardware acceleration support required
Security patches mandatory
System updates recommended

11.4 Internet Connection Requirements

Minimum download speed: 1 Mbps
Recommended speed: 5 Mbps or higher
Stable connection required
Maximum latency: 300ms
Minimal packet loss tolerance

11.5 System Resources

Minimum Requirements:

RAM: 4GB (8GB recommended)
Storage: 1GB available space
Processor: Multi-core, 2GHz or faster
Operating System: Latest security patches installed

11.6 Additional Requirements

JavaScript enabled
Cookies enabled
Modern web standards support
Secure connection capability (HTTPS)
Local storage access

12. CUSTOMER SUPPORT AND COMPLAINTS

12.1 Support Availability

Customer Support: Available 24/7/365
Average response time: 6 hours
All inquiries tracked with unique ticket numbers.

12.2 Support Channels

Primary Support Methods:

Self-Service Options:

Account management
Subscription changes
Troubleshooting guides
FAQs and documentation
Immediate automated assistance

12.3 Response Times

General Support:

Automatic acknowledgment: Immediate
Initial response: Within 24 hours
Average response time: 6 hours
Resolution target: 3-5 business days

Legal Matters:

Acknowledgment: 1-3 business days
Resolution: Within 15 business days

12.4 Complaint Resolution Process Initial Submission Requirements:

Full name and account email
Detailed issue description
Supporting documentation
Timeline of events
Previous communication references
Submit to: [email protected]

Resolution Process:

Acknowledgment Phase (24 hours):

Automated receipt confirmation
Case manager assignment
Severity assessment
Information verification

Investigation Phase (3-5 business days):

Account history review
Technical analysis
Departmental consultation
Solution development

Resolution Phase (3-5 business days):

Solution implementation
Effectiveness verification
Customer confirmation
Documentation completion

12.5 Escalation Procedure

First-Level Escalation:

Email: [email protected]
Include reference number
Response within 5 business days

Second-Level Escalation:

Email: [email protected]
Senior management review
Final decision within 15 business days

12.6 Quality Assurance

All support interactions are:

Tracked in secure system
Reviewed for improvement
Analyzed for patterns
Used for staff training
Monitored for compliance

13. LIMITATION OF LIABILITY

Scope of Limitations: While we strive to provide reliable and high-quality services, myIQ's liability is strictly limited under these terms. Our maximum aggregate liability for any claims arising from or related to our services shall not exceed the amount paid by you for the services during the twelve (12) months preceding the claim. This limitation applies regardless of the form of action, whether in contract, negligence, strict liability, or other legal theory.

Excluded Damages: Under no circumstances shall myIQ be liable for:

Financial Losses:

Lost profits or revenue
Business interruption costs
Lost business opportunities
Lost or damaged data
Cost of substitute services
Investment or business decisions based on our services

Indirect Damages:

Consequential damages
Incidental damages
Punitive damages
Special damages
Emotional distress
Reputational damage

Technical Issues:

Temporary service interruptions
Data transmission errors
Third-party software failures
Device compatibility issues
Internet connectivity problems

Service-Related Limitations: We specifically disclaim liability for:

Accuracy of IQ test results
Effectiveness of brain training programs
Achievement of specific cognitive improvements
Personal or professional outcomes
Decision-making based on our assessments

Force Majeure: We are not liable for failures or delays resulting from Force Majeure events (as defined in Section 1.5).

Indemnification Obligations:

User Responsibilities: You agree to indemnify, defend, and hold harmless myIQ, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from:

Service Usage:

Violation of these terms
Unauthorized account access
Misuse of services
Content submitted or shared
Interaction with other users

Legal Compliance:

Violation of applicable laws
Intellectual property infringement
Privacy rights violations
Data protection breaches
Regulatory non-compliance

Third-Party Claims:

Disputes with other users
Claims from affected parties
Regulatory investigations
Legal proceedings
Administrative actions

14. DISPUTE RESOLUTION

Governing Law and Jurisdiction: These terms are governed by and construed in accordance with the laws of the United States, specifically the State of Delaware. Any legal action or proceeding arising out of or relating to these terms shall be exclusively filed in the state or federal courts located in Delaware, and you hereby consent and submit to the personal jurisdiction of such courts.

14.1 Mandatory Arbitration Process:

Initial Dispute Resolution: Before initiating any formal legal proceedings, we encourage users to contact us directly to resolve any disputes informally. We will make good-faith efforts to resolve any issues through direct communication within 30 days of notification.

Formal Arbitration Requirements: If informal resolution is unsuccessful, all disputes shall be resolved through binding arbitration:

14.1.1 Arbitration Rules:

Conducted by the American Arbitration Association (AAA)
Following Commercial Arbitration Rules
Administered in English language
Single arbitrator appointment

14.1.2 Arbitration Process:

Written notice of dispute required
Detailed claim description
Supporting documentation
Proposed resolution
60-day resolution window

14.1.3 Arbitration Proceedings:

Virtual hearings
Document submission requirements
Witness testimony if necessary
Expert evidence when relevant
Reasoned written decision

14.2 Cost Allocation:

Filing fees shared equally
Each party bears own legal costs
Arbitrator fees split unless otherwise awarded
Travel expenses responsibility of each party
Document production costs borne by producing party

14.3 Class Action Waiver:

By agreeing to these terms, you explicitly waive:
Right to participate in class actions
Right to class-wide arbitration
Consolidated claims procedures
Representative actions
Private attorney general actions

14.4 This waiver means:

All disputes must be resolved individually
No joining or consolidating claims
No class-wide relief
Individual remedies only
Separate proceedings for each claim

14.5 Exceptions to Arbitration:

The following matters are exempt from mandatory arbitration:

14.5.1 Intellectual Property Disputes:

Copyright infringement
Trademark violations
Patent disputes
Trade secret misappropriation

14.5.2 Small Claims Court:

Claims within jurisdictional limits
Local venue requirements
Individual capacity only
Monetary relief only

14.5.3 Emergency Relief:

Temporary restraining orders
Preliminary injunctions
Other urgent equitable relief
Immediate harm prevention

14.5.4 Time Limitations:

All claims must be brought within:
Six months from incident date
Discovery of claim basis
Reasonable discovery time
Statutory limitations
Regulatory requirements

15. SERVICE MODIFICATIONS

15.1 Modification Rights

myIQ reserves the right to modify, suspend, or discontinue any aspect of our services, with or without notice, subject to the notice requirements detailed below.

15.2 Types of Changes

A. Platform Updates

Addition or removal of features
User interface improvements
Performance optimizations
Security enhancements
Technical requirement updates
Infrastructure modifications

B. Content Changes

Training program modifications
Assessment tool updates
Educational material revisions
Resource availability adjustments
Interactive content changes
Curriculum updates

15.3 Notice Requirements

A. Standard Changes

For material changes to the service, we will provide:

15 days advance notice via email
Documentation updates
Migration guidance when applicable
Clear timeline for implementation
Instructions for any required user actions

B. Emergency Changes

We may implement immediate changes without a notice for:

Force Majeure events (as defined in Section 1.5)
Critical security updates
Legal compliance requirements
System stability issues
Critical bug fixes
Emergency maintenance
Infrastructure security

15.4 Change Implementation

A. Material Changes

Require advance notice as specified above
Include transition period when possible
Provide user guidance and support
May offer opt-out options when applicable

B. Non-Material Changes

B.1 May be implemented without a notice B.2 Include but not limited to:

Minor bug fixes
Performance improvements
Content updates
UI refinements
Documentation updates

15.5 User Rights

Users will be notified of significant changes affecting service use
Users may terminate their subscription if they do not agree with material changes
Continued use after changes constitutes acceptance
Changes will not affect prior transactions

16. ACCOUNT TERMINATION

16.1 User-Initiated Termination

Users may terminate their account through:

Termination Terms:

Available at any time
Takes effect immediately
No termination fees
Subject to current billing cycle completion
No refunds for unused period

16.2 myIQ-Initiated Termination

We reserve the right to terminate accounts for:

A. Terms Violations:

Multiple or severe policy breaches
Fraudulent activity
Abusive behavior
Security violations
Payment defaults
Account sharing
False information provision

B. Legal and Regulatory:

Regulatory compliance requirements
Valid court orders
Legal investigations
Government requests
Jurisdictional restrictions
Age verification failures

16.3 Termination Process

Notice:

User-initiated: Immediate confirmation
myIQ-initiated: Written notice when applicable
Emergency termination: Immediate effect for severe violations

16.4 Post-Termination Procedures

A. Access Management:

Immediate service discontinuation
Authentication code deactivation
API access revocation
Third-party integration closure
Account deactivation

B. Data Handling:

Account data retained per legal requirements
User content archived for 30 days
Personal data handled per privacy policy

C. Service Wind-Down:

Subscription cancellation
Credit balance refund if applicable

16.5 Reactivation Policy

Available within 30 days of termination
Subject to current terms and pricing
New account creation required after 30 days
Previous username may not be available
Reactivation subject to approval

17. LEGAL INFORMATION

17.1 Corporate Identity

Address: 228 Park Ave S, #45758, New York, 10003
Country: United States

17.2 Official Communications Legal Notices:

Email: [email protected]
Correspondence: 228 Park Ave S, #45758, New York, 10003

17.3 Intellectual Property

Trademark: "myIQ"

Terms & Conditions

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