Terms and Conditions
Effective Date: January 1, 2025
Last Updated: November 11, 2025
These Terms and Conditions of Use (“Terms”) constitute a legally binding agreement between Consulting IQ Interactive Corp (“Consulting IQ,” “we,” “us,” or “our”), a Florida Corporation, and the individual or entity (“User,” “Client,” “Subscriber,” or “you”) accessing, registering for, or using Consulting IQ’s platform, digital ecosystem, mobile applications, APIs, widgets, and related products or services (collectively, the “Platform”). By registering for, accessing, or using the Platform, you agree to be bound by these Terms. If you are using the Platform on behalf of a company, you represent that you have the authority to bind that company to these Terms.
Table of Contents
1. Purpose and Scope
2. Registration and Account Responsibilities
3. Acceptable Use & Prohibited Activities
4. Nature of AI-Generated Insights
5. Confidentiality
6. Privacy & Data Protection (GDPR/CCPA/Global)
7. Data Security & Compliance
8. Data Retention & Deletion
9. Intellectual Property; License; Feedback
10. Third-Party Services & Integrations
11. Fees, Billing & Taxes
12. Support, Availability, SLAs & Beta Services
13. Disclaimer of Warranties
14. Limitation of Liability
15. Indemnification
16. Partner, Enterprise & White‑Label Terms
17. Publicity; Marks; Attribution
18. Suspension & Termination
19. Export Control, Anti‑Corruption & Sanctions
20. Compliance with Laws (AI/Privacy/Financial)
21. Changes to Terms
22. Governing Law & Venue
23. Notices
24. Miscellaneous (Assignment; Force Majeure; Entire Agreement; Severability; No Waiver; Order of
Precedence)
Consulting IQ provides an AI‑powered business consulting ecosystem that integrates data‑driven tools, predictive analytics, and advisory resources to support decision‑making by small and medium‑sized businesses (SMBs), enterprises, and strategic partners. The Platform’s insights, recommendations, and outputs are intended to assist Users in making better‑informed decisions but do not constitute professional advice (financial, legal, accounting, tax, medical, or otherwise) and do not guarantee any result.
2. Registration and Account Responsibilities
You must provide accurate, complete, and up‑to‑date information during registration and keep it current. Each account is personal and non‑transferable unless expressly authorized in writing by Consulting IQ. You are responsible for safeguarding your credentials and for all activities that occur under your account. Notify us immediately of any unauthorized use or suspected breach. Consulting IQ may suspend or terminate access where misuse or security risk is detected.
3. Acceptable Use & Prohibited Activities
You agree to use the Platform solely for lawful, internal business purposes. You shall not: (a) reverse engineer, decompile, disassemble, or otherwise attempt to derive source code; (b) copy, modify, adapt, translate, or create derivative works of the Platform; (c) use the Platform to develop competing products or train models that replicate our services; (d) resell, sublicense, lease, timeshare, or distribute access; (e) interfere with or disrupt the integrity or performance of the Platform; (f) upload or transmit malicious code; (g) infringe or misappropriate any intellectual property or privacy right; (h) violate applicable law, including export controls and sanctions; (i) exceed API or rate limits; or (j) use outputs to create illegal, harmful, or misleading content.
4. Nature of AI‑Generated Insights
Consulting IQ’s insights, recommendations, and analytics are generated through proprietary artificial
intelligence, machine‑learning models, and curated business datasets. While Consulting IQ applies
continuous factual validation, dataset vetting, and model testing across a vast corpus of verified
business cases, economic indicators, and industry benchmarks, AI technology is inherently
probabilistic. Therefore, despite all reasonable efforts to ensure factual accuracy and reliability:
- There remains a minimal possibility of errors, omissions, outdated information, or incomplete data.
- Outputs may vary depending on data sources, model versions, parameters, or user inputs.
- Users are strongly encouraged to corroborate any recommendation, forecast, KPI, or numerical result
with independent professional judgment and external validation.
- Consulting IQ does not guarantee that the Platform’s insights will be free from inaccuracies,
contextual misinterpretation, or technical latency.
By using the Platform, you acknowledge that the decision‑making authority, discretion, and
accountability rest exclusively with you. Consulting IQ bears no responsibility or liability for business
results, financial outcomes, or decisions made in reliance on AI‑generated outputs.
5. Confidentiality
Each party may access or receive non‑public information of the other that is designated as confidential or that reasonably should be understood to be confidential given the nature of the information (“Confidential Information”). Confidential Information includes business plans, financials, source code, algorithms, prompts, architectures, product roadmaps, security documentation, and non‑public personal data. The receiving party will: (i) use Confidential Information only to perform its obligations or exercise rights under these Terms; (ii) protect it with at least the same degree of care it uses to protect its own similar information (and no less than a reasonable standard of care); (iii) not disclose it to third parties except to employees, contractors, or subprocessors bound by confidentiality obligations no less protective than those herein. Exceptions apply for information that is public, independently developed, rightfully received from a third party, or required to be disclosed by law (with prompt notice where legally permissible).
6. Privacy & Data Protection (GDPR/CCPA/Global)
Consulting IQ processes personal data as described in these Terms and our privacy notices. We will not sell or rent your personal data. We act as a data processor when processing Customer Personal Data on documented instructions from a business customer and as a data controller for our own operations. For EU/UK personal data, cross‑border transfers rely on Standard Contractual Clauses (SCCs) and/or the UK International Data Transfer Addendum (IDTA), as applicable. We support data subject rights (access, rectification, deletion, portability, restriction, and objection) consistent with GDPR/UK‑GDPR and comply with CCPA/CPRA, PIPEDA (Canada), and Australia’s Privacy Act 1988. Where required, we will enter into a Data Processing Addendum (DPA) with business customers, detailing subprocessors, security measures, and breach notification timelines.
7. Data Security & Compliance
Consulting IQ maintains an information security program aligned to recognized frameworks (e.g., SOC 2, ISO/IEC 27001). Data is encrypted in transit (TLS 1.3) and at rest (AES‑256). Access is role‑based and least‑privilege; production access is logged and monitored. We maintain vulnerability management, secure development lifecycle practices, business continuity/disaster recovery, and incident response consistent with NIST SP 800‑53 and ISO 27035. Security documentation may be made available under NDA. Customer is responsible for securing its own systems, credentials, endpoints, and inputs to the Platform.
8. Data Retention & Deletion
Customer data is retained only as long as necessary to provide the services or meet legal obligations. Upon request or termination, and subject to lawful retention requirements, we will delete or de‑identify Customer Personal Data within commercially reasonable timelines. Backups and logs may persist for limited periods per our retention schedules.
9. Intellectual Property; License; Feedback
Consulting IQ owns all right, title, and interest in the Platform, including software, models, prompts, designs, frameworks, dashboards, and trade secrets. Subject to these Terms, we grant you a limited, non‑exclusive, non‑transferable, revocable license to access and use the Platform for internal business purposes. You grant Consulting IQ a non‑exclusive, worldwide, royalty‑free license to host, process, and display your content and data solely to provide and improve the services. Feedback is voluntary; you grant us a perpetual, irrevocable, royalty‑free license to use feedback without restriction.
10. Third‑Party Services & Integrations
The Platform may interoperate with third‑party services (e.g., Xero, QuickBooks, FRED, Google Workspace, Microsoft 365). We are not responsible for third‑party products, content, or acts/ omissions. Use of third‑party services is governed by those providers’ terms and privacy policies. You are responsible for permissions, credentials, and fees associated with third‑party services you enable.
11. Fees, Billing & Taxes
Fees are as set forth at purchase or in an order form. Unless otherwise specified, fees are non‑cancelable and non‑refundable. Late payments may incur finance charges at the maximum rate permitted by law and/or suspension of service. Prices exclude taxes; you are responsible for all taxes, except those based on Consulting IQ’s net income.
12. Support, Availability, SLAs & Beta Services
Consulting IQ provides standard support and strives for high availability; however, uptime is not guaranteed unless specified in a separate Service Level Agreement (SLA). Beta features, previews, or experimental tools are provided “as is,” may be modified or discontinued at any time, and are excluded from SLAs and warranties.
13. Disclaimer of Warranties
To the fullest extent permitted by law, the Platform and all outputs are provided “as is” and “as available,” without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, non‑infringement, accuracy, or uninterrupted operation. We do not warrant that outputs will achieve any specific results or that errors will be corrected.
14. Limitation of Liability
To the maximum extent permitted by law, in no event shall Consulting IQ, its directors, officers, employees, partners, or affiliates be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including lost profits, revenues, data, or business interruption, arising out of or related to these Terms or the use of the Platform, even if advised of the possibility of such damages. Our aggregate liability for all claims shall not exceed the amounts paid by you to Consulting IQ for the services giving rise to the claim in the twelve (12) months preceding the event first giving rise to liability.
15. Indemnification
You will indemnify, defend, and hold harmless Consulting IQ and its affiliates, officers, directors, employees, agents, and licensors from and against any and all claims, damages, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising from or related to: (a) your use of the Platform; (b) your content or data; (c) your violation of these Terms or applicable law; or (d) your infringement or misappropriation of third‑party rights.
16. Partner, Enterprise & White‑Label Terms
If you are a partner (e.g., bank, telco, consulting or professional services firm) distributing Consulting IQ to your SMB clients under white‑label or co‑branded models: (i) you must ensure your clients agree to terms no less protective than these; (ii) Consulting IQ retains all ownership of underlying technologies and models; (iii) Consulting IQ’s outputs are advisory only and probabilistic; (iv) liability and warranties are limited to your contract with Consulting IQ; and (v) you shall defend and indemnify Consulting IQ from claims arising from your client relationships, marketing representations, or sector‑specific obligations.
17. Publicity; Marks; Attribution
We may use your name and logo to identify you as a customer or partner, consistent with your brand guidelines, unless you opt‑out in writing. All trademarks, service marks, and logos are the property of their respective owners. No rights in Consulting IQ marks are granted except as expressly permitted in writing.
18. Suspension & Termination
We may suspend or terminate access immediately for material breach, legal risk, non‑payment, security threat, or misuse. You may terminate for convenience by providing written notice if permitted by your order terms. Upon termination, your license ends and you must cease use of the Platform. Certain provisions survive termination, including Sections 5–9 and 13–24.
19. Export Control, Anti‑Corruption & Sanctions
You represent and warrant that you are not subject to U.S., UK, or EU sanctions and will comply with export control and anti‑boycott laws, including the U.S. Export Administration Regulations (EAR) and U.S. sanctions programs. You will comply with anti‑corruption laws, including the U.S. Foreign Corrupt Practices Act (FCPA) and UK Bribery Act
20. Compliance with Laws (AI/Privacy/Financial)
You are responsible for complying with all laws applicable to your industry and use of the Platform, including privacy, employment, consumer protection, sector‑specific regulations, and emerging AI laws or guidelines (e.g., NIST AI RMF, OECD AI Principles, and the EU AI Act when in force). Where Consulting IQ provides compliance tooling, you remain solely responsible for final configurations and outcomes.
21. Changes to Terms
We may modify these Terms from time to time. Updates will be posted with a revised effective date. Material changes will be notified via the Platform or email, where practicable. Your continued use after the effective date constitutes acceptance of the updated Terms.
22. Governing Law & Venue
These Terms are governed by the laws of the State of Florida, U.S.A., without regard to conflict of law rules. The parties consent to the exclusive jurisdiction and venue of the state and federal courts located in Miami‑Dade County, Florida, and waive any objection based on forum non conveniens. The United Nations Convention on Contracts for the International Sale of Goods does not apply.
23. Notices
Legal notices must be sent to legal@consultingiq.ai with a copy to: Consulting IQ Interactive Corp, Legal & Compliance, Miami, Florida, USA. We may provide operational notices via the Platform interface or your registered email.
24. Miscellaneous (Assignment; Force Majeure; Entire Agreement; Severability; No Waiver; Order of Precedence)
Assignment. You may not assign these Terms without our prior written consent; we may assign to an affiliate or in connection with a merger, acquisition, or asset sale. Force Majeure. Neither party is liable for delay or failure due to events beyond reasonable control. Entire Agreement. These Terms and applicable orders constitute the entire agreement and supersede all prior agreements on the subject matter. Severability. If any provision is held invalid, the remainder remains in effect. No Waiver. Failure to enforce any provision is not a waiver. Order of Precedence. In case of conflict, an executed order form or DPA (as applicable) prevails over these Terms.—
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