Last Updated: October 1, 2025
Thank you for using the services offered by FirmOS Inc. (“FirmOS,” “we,” “us,” or “our”). These Terms of Use (“Terms” or “TOU”) govern your access to and use of our websites located at www.iqfinance.ai and related applications (including app.iqfinance.ai) as well as any content, features, products, data feeds, or application programming interfaces we provide (collectively, the “Services”).
By accessing or using the Services, you agree to these Terms. If you do not agree, do not use the Services.
“Site” means www.iqfinance.ai and any subdomains or applications we operate, including app.iqfinance.ai.
“Data Stream” means any APIs, SDKs, data feeds, or related outputs FirmOS makes available.
By using the Services, you enter into a binding agreement with FirmOS under these Terms.
We may update these Terms from time to time to reflect operational, legal, or regulatory changes. If a revision materially affects your rights, we will provide a reasonable notice within the Services or via email (when feasible). Your continued use of the Services after changes become effective constitutes acceptance of the revised Terms.
The Services (including all software, interfaces, visual design, text, graphics, logos, and other content) are owned by FirmOS Inc. or its licensors and are protected by intellectual-property laws. Except for the limited rights expressly granted to you here, all rights are reserved by FirmOS.
Licensed use. Subject to these Terms, FirmOS grants you a limited, personal, non-exclusive, non-transferable, revocable license to access and use the Services for your internal business purposes.
You agree not to:
Use the Services to violate any law or the rights of others, or to distribute malware, spyware, or other harmful code.
Sell, lease, sublicense, make derivative works from, reverse engineer, decompile, or otherwise attempt to extract source code from the Services, except where such restrictions are prohibited by law.
Reproduce, republish, or redistribute content from the Site or Data Stream without FirmOS’s prior written permission.
Use the Services to build or train competing products.
“IQFinance,” “FirmOS,” and associated marks and logos are trademarks or service marks of FirmOS Inc. All other marks are the property of their respective owners.
When creating an account, you must provide accurate, current, and complete information and keep it updated. You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. You agree to promptly notify FirmOS of any suspected unauthorized use. You consent to receive essential Service communications (for example, security or transactional emails). You can opt out of non-essential marketing messages at any time.
The Site may contain links to third-party websites or resources. FirmOS does not control and is not responsible for the content, products, or services of those third parties. Accessing third-party resources is at your own risk and may be subject to additional terms and privacy policies.
We may provide documentation, diagnostics, or technical assistance at our discretion and may modify, suspend, or discontinue any part of the Services at any time. We may also impose limits on certain features or restrict access without liability.
THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, FIRMOS DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AVAILABILITY, OR SECURITY. WE DO NOT WARRANT THAT THE SERVICES WILL BE ERROR-FREE, UNINTERRUPTED, OR FREE OF HARMFUL COMPONENTS.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, FIRMOS AND ITS AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, AND LICENSORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES; NOR FOR LOST PROFITS, LOST REVENUE, LOST DATA, OR BUSINESS INTERRUPTION; ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF (OR INABILITY TO USE) THE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. TO THE EXTENT ANY LIABILITY IS NOT LEGALLY EXCLUDABLE, THE TOTAL LIABILITY OF FIRMOS FOR ALL CLAIMS IN THE AGGREGATE WILL NOT EXCEED THE AMOUNTS YOU PAID TO FIRMOS FOR THE SERVICES IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.
To the fullest extent permitted by law, you agree to defend, indemnify, and hold harmless FirmOS and its affiliates, officers, directors, employees, and agents from and against any claims, damages, liabilities, losses, costs, and expenses (including reasonable attorneys’ fees) arising from or related to:
(a) your use of the Services; (b) your violation of these Terms; or (c) your violation of any law or third-party right.
If you purchase a paid IQFinance subscription, your plan may automatically renew at the interval you select (e.g., monthly or annually). The payment method on file will be charged the then-current fees until you cancel. You can manage or cancel your subscription through your account settings or by contacting support@firmos.ai in advance of your next renewal date. Fees are non-refundable except where required by law or expressly stated otherwise.
The parties are independent contractors. These Terms do not create a partnership, joint venture, agency, or employment relationship. You lack authority to bind FirmOS to any contract unless expressly authorized.
If any provision of these Terms is held unenforceable, the remaining provisions will remain in full force and effect. A failure to enforce any provision is not a waiver of that or any other provision.
These Terms and any disputes arising out of or related to them are governed by the laws of the State of Wyoming, without regard to its conflict-of-laws rules, and by applicable United States federal law. The parties consent to the exclusive jurisdiction and venue of the state and federal courts located in Wyoming, and waive any objection to such courts based on forum non conveniens or lack of personal jurisdiction.
Headings are for convenience only. No rule of strict construction will apply against the drafter. These Terms constitute the entire agreement between you and FirmOS regarding the subject matter and supersede all prior or contemporaneous agreements or communications related thereto.
Questions about these Terms or your account? Reach us at support@iqfinance.ai.