Terms and Conditions

1. Who We Are

We IQNEST, Everest Advisers LLC, a company registered at the State of Florida, United States of America and/or its affiliates or its authorized representatives/resellers ("we", "us", "our" or the "Company"), aim is to provide you with valuable learning materials and related services through our website, www.iqnest.io ("Website"), which serves as our main service platform.

2. Agreement Overview

By using our product IQNEST ("Service"), you agree to abide by these Terms and Conditions (referred to as the "Terms" or the "Agreement"). Also our Privacy Terms and Subscription Terms are incorporated to these Terms by reference, which means they are part of the Terms.

Any translation of the Terms from the English version may cause some discrepancies; in that case the English version of the Terms will prevail.

3. Eligibility

If you do not agree with any part of these Terms and any related documents or you are not eligible to use our Services, please do not access any part of our Service.

To use IQNEST, you must be at least 16 years old and have the legal capacity to enter into an agreement. If you're under 18, you need your parents' permission. If you don't agree with these terms or you're not eligible, please do not use our Service.

4. What We Offer

1. IQNEST provides a range of educational materials, including articles, reading materials, and test questions.
2. You will have access to the Digital Content and our product IQNEST only after registering for the Service, which means you will have to register and pay for the offer or subscription plan depending on what you select at the time of purchase.
3. After the purchase and while using the Service you may be offered additional paid features. Please read carefully any offers you receive from us.

5. AI Chat mentor

While using our Service you will also have access to the Mentor chat powered by Artificial Intelligence which is implemented for educational purposes only and is not intended to provide financial, legal or taxation advice.

How is your Content regulated while using AI?

While using our AI, you may provide your information (we call it "Input or prompt"), and we'll generate responses based on your prompt (such responses are called "Output"). You own your Input and we assign you all the rights permitted by law on the Output (collectively Input and Output are called "Content"). However, we may use such Content to improve our services, but you can opt out of this if you contact us.

An important note with regards to the nature of AI Content

Due to the nature of machine learning, Output may not be unique across users and the Services may generate the same or similar output for IQNEST or a third party. For example, you may provide input to a model such as "How many days in January?" and receive output such as "There are 31 days in January." Other users may also ask similar questions and receive the same response. Responses that are requested by and generated for other users are not considered your Content.

6. Subscription Plans

What we may offer

Based on the option you select at the time of purchase we may offer you:

1. Introductory offer is a short term offer that provides limited access to the basic features and content of our Service. It is usually designed for new users to try out the platform before it automatically converts into subscription. You can cancel the introductory offer 24 hours before it ends. If you do not cancel, it automatically converts into the subscription and you will be automatically charged a full price for the subscription plan without notice.
2. Subscription plan is an arrangement that grants you ongoing access to the Service for a specified period (4 weeks, 12 weeks or otherwise, depending on what you select at the time of purchase) after payment for the subscription services. Subscription plans are automatically renewed at the end of each period. You can cancel anytime 24 hours before the end of the current billing period in your account settings.
3. Additional paid features are optional functionalities or services that we may offer to you in addition to the introductory offer or subscription plan on subscription or one-time purchases bases.

Important note! Some offers may be renewed at the full, not discounted price. Therefore, please read carefully the terms of the introductory offer or subscription plan that you choose when you purchase the Service.

Important note! Regarding the change of price. The prices and the amount of Digital Content available through your introductory offer or subscription may be changed from time to time by territory with no obligation of IQNEST to clearly notify you (except when is obligatory by the applicable law). We will give you a reasonable notice of any such price change by posting the new prices on or through the Website and (or) by sending you a notification, or in any other prominent way. If you do not agree with the new price and you do not want to pay, please, cancel your subscription before it becomes applicable to you.

7. Billing and Cancellation

We bill for our services through PayPal or other payment providers (Visa, Mastercard and others). Your payment method will be charged according to your subscription plan. It's your responsibility to cancel your subscription in time.

Methods of payment

1. Payment methods for the Services are billed by IQNEST via PayPal or other payment providers.
2. IQNEST charges the applicable fees to the payment card you submit at the time of purchase (after you confirm by single-touch identification, facial recognition, or entering your payment method details on the web, or otherwise accepting subscription terms provided on the payment screen on our web page).
3. You authorize us to store your payment method(s) and automatically charge the applicable subscription fees to the payment card that you submit as a primary payment method for the renewal term. In the event of a failed attempt to charge to your primary payment method (e.g. if your payment method has expired), you agree that we have a right to retry billing your payment method or to use any other stored payment method associated with your account. If a payment is not successfully authorized due to expiration, insufficient funds, or otherwise, we may suspend or terminate your subscription. You will remain responsible for any amounts you fail to pay in connection with your subscription.

The period of automatic renewal

4. The period of auto-renewal will be the same as your initial subscription period unless otherwise disclosed to you on the Service. The renewal rate will be no more than the rate for the immediately prior subscription period, excluding any promotional and discount pricing, unless we notify you of a rate change prior to your auto-renewal.
5. In some cases, your payment date may change, such as when your payment method fails to settle or when you change your subscription plan. To view your next payment date, go to the website and click on the "Subscription" link on the "Account" page.

Cancellation and refunds

6. You must cancel your subscription in accordance with the cancellation procedures disclosed to you when purchased and in Subscription Terms.
7. Please refer to Subscription Terms to find out whether you might be eligible for a refund.
8. IQNEST may also initiate the cancellation of your subscription and provide refunds at its own discretion and subject to Subscription Terms.

8. Data Protection

We collect, store, and process your data in accordance with its Privacy Policy. By using the Service you agree to the collection, storage, and processing of the data in the manner and for the purpose described in the Privacy Policy.

9. Use of Information and Intellectual Property

1. All the information, text, images, graphics, marks, logos, compilations (meaning the collection, arrangement or assembly of information), data, other content, software and materials available through or at our Website constitutes our property or property of third parties.
2. You're granted a non-exclusive license to use our Service for personal, non-commercial purposes only. No other rights or use with regards to the Services is available to you unless otherwise expressly written in these Terms. Please don't infringe on our intellectual property rights.
3. Information you provide us when you sign up to IQNEST, your "User Content," belongs to you, and we do not obtain any proprietary right over it. However, you agree that we may retain copies of all registration information and User Content and use all such information as reasonably required or incidental to the operation of Services and as described in these Terms.
4. If you believe your intellectual property rights have been violated, contact us through the Support Center. We may request additional information and delete or disable content alleged to be infringing and we may also terminate accounts of repeat infringers.

Trademark: All brand assets, including the "IQNEST" name, logos, graphics, and service marks used on our platform are the exclusive property of IQNEST Limited or their respective owners, and certain of them are registered with the United States Patent and Trademark Office or other trademark authorities. Using our Service does not grant you any license or permission to reproduce or use the IQNEST name or any other trademarks.

10. Third-Party Ads

Our Service may contain links to third-party websites and advertisements for third-party products or services. We're not responsible for these third-party ads, and you use them at your own risk. When you link to a third-party website, the terms and conditions of such a website will apply to your relationship with the owner of that website. Please be careful and conduct your own investigation about any such advertisements.

You hereby release us, our officers, employees, agents and successors from any claims, demands and any losses, damages and action of any kind whatsoever directly or indirectly related to such third-party advertisements, products and services.

11. Compliance

1. The Services are provided in accordance with the laws of the State of Florida, United States of America. We make no representation or warranty that a Service or the Digital Content are applicable or available for use in other locations.
2. If you use the Services from a jurisdiction other than the United States of America you agree to do so at your own risk, and you are responsible for complying with any and all local laws applicable to your use of a Service.

12. Copyright Statement

IQNEST copyrighted the product, including but not limited to all materials, logo, etc.

Any redistribution or reproduction of part or all the Services and/or Digital content available through subscription services in any form is prohibited. Any other proposed use of Services and/or Digital Content shall be granted by IQNEST in the form of formal written permission.

13. User Representations and Restrictions

Representations and Warranties

By using the Service, you represent and warrant that:

1. you have the legal capacity and you agree to comply with these Terms;
2. you are not under the age of 16;
3. you will not access the Service through automated or non-human means, including without limitation, any spider, robot, cheat utility, scraper, or offline reader that accesses the Service, or using or launching any unauthorized script or other software;
4. you will not use the Service for any illegal or unauthorized purpose;
5. you are not located in a country that is subject to a U.S. government embargo, or that has been designated by the U.S. government as a "terrorist supporting" country;
6. you are not listed on any U.S. government list of prohibited or restricted parties; and
7. your use of the Service will not violate any applicable law or regulation.

If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to refuse any and all current or future use of the Service (or any portion thereof).

You may not access or use the Service for any purpose other than that for which we make the Service available. The Service may not be used in connection with any revenue generating endeavor, commercial enterprise, or other purpose for which it is not designed or intended except those that are specifically authorized or approved by us.

Restrictions

As a user of the Service, you agree not to:

1. systematically retrieve data or other content from the Service to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us;
2. make any modification, adaptation, improvement, enhancement, translation, or derivative work from the Service;
3. use the Service for creating a product, service, or software that is, directly or indirectly, competitive with or in any way a substitute for the Service;
4. circumvent, disable, or otherwise interfere with security-related features of the Service; engage in unauthorized framing of or linking to the Service;
5. decipher, decompile, disassemble, or reverse engineer any of the software comprising or in any way making up a part of the Service;
6. attempt to bypass any measures of the Service designed to prevent or restrict access to the Service, or any portion of the Service;
7. use the Service to send automated queries to any website or to send any unsolicited commercial e-mail;
8. disparage, tarnish, or otherwise harm, in our opinion, us and/or the Service; use the Service in a manner inconsistent with any applicable laws or regulations; or otherwise infringe these Terms.

14. Disclaimers of warranties and liabilities

• As for information on the Service. Any statement or information that may be posted on the Service is for informational and educational purposes only and is not intended to replace or substitute for any professional financial, legal, or other advice.
• As for any advice. IQNEST does not provide investment or financial advice or advocate the purchase or sale of any security or investment via the Service.
• As for expectations. There is no guarantee that the Digital Content will meet your or any other person's needs or requirements. The Service may not be appropriate for all persons and is not a substitute for professional financial advice.
• As for any results. We make no guarantees about the level of success you will have, and you accept the risk that results will vary from person to person. The Service may provide examples of exceptional results that do not apply to the average person and are not intended to represent or guarantee that anyone will achieve the same or similar result.

As with any learning program or service, your results will vary and will be based on a number of factors, including but not limited to your individual capacity, life experience, financial status, starting point, expertise, and level of commitment. You agree that IQNEST is not liable for any success or failure of your financial risk that is directly or indirectly related to the purchase and use of the Service.

• As for capital risk. IQNEST is an education platform, you can not invest with us. You should acknowledge if you decide to invest yourself there is a risk of capital loss and income is not guaranteed and will depend on various factors. Your decision to make an investment should be made at your own discretion and upon your own will only.
• As for any representations. IQNEST makes no representations or warranties and, to the fullest extent permitted by law, expressly disclaims any and all liability relating to your reliance on the statements or other information offered or provided within or through the Service. If you have specific concerns or a situation arises in which you require professional advice, you should consult with an appropriately appropriate, trained and qualified specialist.
• As for other products used. The inclusion of any sites or other product information to Service does not imply a recommendation but merely brings possible options. It is your own responsibility to conduct appropriate investigations and inquiries concerning indicated information before taking any decisions.
• As for information. We specifically disclaim any representations or warranties, express or implied, including, without limitation: Warranties relating to the accuracy, reliability, correctness, timeliness or completeness of information made available on the website or otherwise by us, including any advice, opinion, statement, or other material or database displayed, uploaded or distributed and available through the website, and warranties otherwise relating to performance, nonperformance, or other acts or omissions by us or any third party.

IQNEST disclaims responsibility for any loss, damage, or injury arising out of or in connection with the Service information usage.

IQNEST will not be liable to the User for any indirect, consequential, special, incidental, punitive, or exemplary damages resulting from access or use of the website's Services or such Digital content, tools, or prizes, or in connection with any failure of performance, error, transmission, computer virus, or line or system failure, including, without limitation, lost profits, lost savings, and lost revenues.

15. Limitation of liability

IN NO EVENT SHALL WE (AND OUR AFFILIATES) BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY LOST PROFIT OR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES ARISING FROM THESE TERMS OR YOUR USE OF, OR INABILITY TO USE, THE SERVICE (INCLUDING THE DIGITAL CONTENT) AND PRODUCTS, OR THIRD PARTY ADS, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. ACCESS TO, AND USE OF, THE SERVICE (INCLUDING THE DIGITAL, CONTENT AND USER CONTENT), AND THIRD PARTY ADS ARE AT YOUR OWN DISCRETION AND RISK, AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTING SYSTEM OR LOSS OF DATA RESULTING THEREFROM.

NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, YOU AGREE THAT THE AGGREGATE LIABILITY OF IQNEST TO YOU FOR ANY AND ALL CLAIMS ARISING FROM THE USE OF THE APP, CONTENT, SERVICE OR PRODUCTS, IS LIMITED TO THE AMOUNTS YOU HAVE PAID TO IQNEST FOR ACCESS TO AND USE OF THE SERVICE. THE LIMITATIONS OF DAMAGES SET FORTH ABOVE ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF THE TERMS BETWEEN IQNEST AND YOU.

SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OF CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU AND YOU MAY ALSO HAVE OTHER LEGAL RIGHTS THAT VARY FROM JURISDICTION TO JURISDICTION.

15.1. If you are an Australian resident:

For Australian residents, this Service is provided with guarantees under the Australian Consumer Law, which cannot be excluded. In case of a major failure, you are entitled to:

(a) terminate the agreement for the provision of the Service; and

(b) receive either a refund for the unused portion of the Service or compensation for its reduced value.

If the failure is not considered major, we will remedy the issue within a reasonable timeframe. Should we fail to do so, you may terminate the agreement and request a refund for the portion of the Service not used. You may also be entitled to compensation for any other reasonably foreseeable loss or damage arising as a result of the Service's failure.

16. Indemnification

In no event will IQNEST be liable for any loss, damage, or injury, including, without limitation, any indirect, consequential, special, incidental, or punitive damages arising out of, or in connection with, the use of the Services, including but not limited to any decision made or action taken in reliance on the information contained in the Services, or any errors or omissions in the Services.

By using the Services, you agree to indemnify, defend, and hold harmless IQNEST from and against any and all claims, complaints, lawsuits, or other liabilities, including reasonable attorneys' fees, that may arise from your use of the Services or your decision to follow any advice, recommendation, or instruction provided therein.

You agree to indemnify and hold IQNEST, its successors, subsidiaries, affiliates, any related companies, its suppliers, licensors and partners, and the officers, directors, employees, agents and representatives of each of them harmless, including costs and attorneys' fees, from any claim or demand made by any third party due to or arising out of (i) your use of the Service or Digital Products, (ii) your User Content, or (ii) your violation of these Terms.

17. Informal Dispute Resolution Procedures

PLEASE READ THIS PROVISION CAREFULLY TO ENSURE THAT YOU UNDERSTAND—THIS SECTION CONTROLS HOW DISPUTES BETWEEN YOU AND THE COMPANY WILL BE ADDRESSED.

BY AGREEING TO THIS PROVISION, YOU ARE WAIVING YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT AND YOU ARE WAIVING YOUR RIGHT TO A JURY TRIAL.

YOU ARE ALSO AGREEING TO RESOLVE ALL DISPUTES BETWEEN YOU AND THE COMPANY THROUGH BINDING ARBITRATION UNLESS YOU EXERCISE YOUR RIGHT TO REJECT ARBITRATION AS PROVIDED BELOW.

You and Сoursiv ("we" or the "Company") agree to resolve all Disputes (including any related disputes involving the Company, its subsidiaries, or its affiliates) through binding arbitration, as described below, except for: (i) claims that fall within the jurisdiction of a small claims court, provided such claims are not class action disputes and also meet the court's jurisdictional and monetary limits; and (ii) disputes related to intellectual property rights.

A "Dispute" means any claim, controversy, or legal action—whether arising from past, present, or future events, and based on contract, tort, statute, or common law—between you and the Company regarding the Website, Services, or this agreement (the "Arbitration Agreement"). "Dispute" also includes disputes about the interpretation, applicability, or enforceability of these terms or the formation of this Arbitration Agreement, including whether any part of it is invalid or unenforceable.

Mandatory Pre-Filing Notice Procedure

You and we agree that good faith, informal efforts to resolve disputes often result in a faster, inexpensive outcome. Therefore, if you intend to assert a claim for any Dispute (as defined above) against the Company, you must first send the Company a written notice of the Dispute ("Notice") that gives the Company some basic information about you and the Dispute.

Any Notice must include (i) your name, address, and email address, (ii) a detailed description of your Dispute; (iii) any relevant facts regarding your use of the Website and Service (including your account ID, profile screenshots, and anything else that will help us identify your account; (iv) a detailed description of the relief you are seeking, including a calculation of any money damages you are seeking; and (v) a personally signed statement from you (and not your attorney) verifying the accuracy of the information in Notice.

The Notice must be individualized, meaning it can concern only your dispute and no other person's dispute. If you are filling out a Notice for another person, you must include all information described above, and also a statement describing your relationship to the person and why the person is unable to fill out the Notice for themselves.

You must send the Notice to the Company at the following address:
Georgiou A, 83, Shop 17, Potamos Germasogeias 4047, Limassol, the Republic of Cyprus
Attention: Legal

If we need to send you a Notice, we will send the Notice to you at the contact information we have available for you, which may include, if applicable, the contact information associated with your account.

After we receive a Notice, you and us agree to engage in good faith efforts to resolve the Dispute between us for a period of 60 days through informal negotiation. The 60-day period can be extended if you and we agree that such an extension is likely to lead to resolution.

Small Claims Court

Subject to applicable jurisdictional requirements and Mandatory Pre-Filing Notice requirements explained above, you or the Company may elect to pursue a Dispute in a local small claims court rather than through arbitration, so long as the matter remains in small claims court and proceeds only on an individual basis.

What is Arbitration?

Arbitration is a more informal way to resolve our disagreements than a lawsuit in court. For instance, arbitration uses a neutral arbitrator instead of a judge or jury, involves more limited discovery, and is subject to very limited review by courts. Although the process is more informal, arbitrators can award some of the same individualized damages and relief that a court can award.

CLASS ACTION AND JURY TRIAL WAIVER

TO THE FULLEST EXTENT ALLOWABLE BY LAW, YOU AND THE COMPANY WAIVE THE RIGHT TO A JURY TRIAL AND THE RIGHT TO LITIGATE DISPUTES IN COURT IN FAVOR OF ARBITRATION (EXCEPT FOR SMALL CLAIMS COURT DESCRIBED ABOVE). YOU AND THE COMPANY EACH WAIVE THE RIGHT TO FILE OR PARTICIPATE IN A CLASS ACTION LAWSUIT AGAINST THE OTHER, INCLUDING ANY CURRENTLY PENDING ACTIONS AGAINST THE COMPANY. TO THE FULLEST EXTENT ALLOWABLE BY LAW, THERE SHALL BE NO RIGHT OR AUTHORITY FOR ANY CLAIMS TO BE LITIGATED IN COURT ON A CLASS, COLLECTIVE, REPRESENTATIVE, OR CONSOLIDATED BASIS.

Arbitration Procedure

The arbitration will be governed by applicable rules of National Arbitration & Mediation ("NAM") (including the Comprehensive Dispute Resolution Rules and Procedures and the Supplemental Rules for Mass Arbitration Filings, as applicable) ("NAM Rules"), as modified by this Arbitration Agreement, and will be administered by NAM. The NAM Rules are available online at www.namadr.com or by requesting them in writing at the Notice address listed above.

Opting Out of this Arbitration Agreement

Existing Users. Users who previously agreed to arbitrate may reject this updated Arbitration Agreement by following the opt-out method below, but such users will still be bound by the most recent prior version of the Arbitration Agreement and will otherwise be bound by these terms.

New Users. Users who create an account with the Company for the first time on or after August 30, 2025 may opt out of this Arbitration Agreement.

Method and Impact of Opting Out. Subject to the above, you may opt out of this Arbitration Agreement by sending written notice of your decision to opt out to: admin@iqnest.io - within 30 days after (1) the Arbitration Agreement became effective, as indicated in the "Last Updated" date of the terms, (2) your first use of the Services. Your notice must include:

• Your name
• Your username (if any)
• The email address you used to set up your account
• An unequivocal statement that you want to opt out of this Arbitration Agreement

If you opt out of this Arbitration Agreement, all other parts of the terms and any other agreements between you and the Company will continue to apply to you. Opting out of this Arbitration Agreement has no effect on any other arbitration agreements that you may currently have, or may enter in the future, with us.

Governing Law

The laws of the State of Florida, excluding its conflicts of law rules, govern this Agreement and your use of the Service. Your use of the Service may also be subject to other local, state, national, or international laws. To the extent that any action relating to any dispute hereunder is shall be brought in a court of law, such action will be subject to the exclusive jurisdiction of the state and federal courts located in Florida, and you hereby irrevocably submit to personal jurisdiction in such courts, and waive any defence of inconvenient forum.

If you are a consumer based in the EEA, the UK or Switzerland: Nothing in these Terms shall deprive you of the protection afforded to consumers by the mandatory rules of law of the country in which you live. If you have a complaint, please contact us at admin@iqnest.io

18. Miscellaneous

We may occasionally update our Service and may change information without notice. Please note that certain circumstances beyond our control may cause delays in providing our Service. We may at any time modify or discontinue, temporarily or permanently, the Service (or any part thereof) at our sole discretion with or without notice. You agree that we shall not be liable to you or any third party for any modification, suspension or discontinuance of the Service (to the maximum extent permitted by law).

19. Changes

We may update these Terms from time to time, for example, to reflect changes in legislation or in our business operations. We will provide you with 30 (thirty) days' advance notice of any material adverse change to the Services or these Terms. Except where mandatory law requires otherwise, other changes take effect upon posting with an updated "Last Revision" date, no additional notice will be given. If you keep using our Services after any changes, it means you accepted such changes. If you receive notice from us of a material change, you will have 30 (thirty) days from the date of such notice to object or opt out from the Services by sending us written notice; if you do not object or opt out within that period, you will be deemed to have accepted the changes.