1. Acceptance of Terms

By creating an account or using any part of the Executive IQ platform ("Service"), you confirm that you have read, understood, and agree to be bound by this User Agreement ("Agreement") and our Privacy Policy. If you do not agree, please do not access or use the Service.

2. Eligibility

You must be at least 18 years old and capable of entering into a legally binding contract to use the Service. By using Executive IQ you represent that you meet these requirements and that the information you provide during registration is accurate and complete.

3. Account Registration & Security

You are responsible for maintaining the confidentiality of your credentials and for all activities that occur under your account. You must notify us immediately at legal@executive-iq.co.za if you suspect any unauthorised use of your account. Executive IQ will not be liable for any loss resulting from unauthorised access to your account that is not attributable to our negligence.

4. Permitted Use

You agree to use the Service solely for lawful business management purposes. You must not:

• Use the Service to violate any applicable law or regulation.
• Upload or transmit content that is fraudulent, defamatory, or infringes third-party rights.
• Attempt to gain unauthorised access to any part of the Service or its related systems.
• Reverse-engineer, decompile, or create derivative works based on the Service.
• Resell, sublicense, or commercially exploit the Service without prior written consent.

5. Subscription Plans & Payment

Certain features require a paid subscription. Subscription fees are charged in advance on a monthly or annual basis. All fees are non-refundable except as required by applicable law or as stated in our Refund Policy. Executive IQ reserves the right to change pricing with 30 days' notice.

6. Free Trial

We may offer a free trial period. At the end of the trial, the account will be downgraded to the free tier unless you provide payment details and choose a paid plan. We reserve the right to modify or cancel free trial offers at any time.

7. Intellectual Property

All content, trademarks, software, and technology comprising the Service are owned by or licensed to Executive IQ. You are granted a limited, non-exclusive, revocable licence to use the Service for your internal business purposes. Nothing in this Agreement transfers any intellectual property rights to you.

8. Your Data

You retain ownership of all data and content you upload to the Service ("Your Data"). By uploading Your Data you grant Executive IQ a limited licence to process it solely to provide the Service to you. We do not sell Your Data to third parties. See our Privacy Policy for full details.

9. AI-Generated Insights

The Service may provide AI-generated recommendations and business insights. These are provided for informational purposes only and do not constitute professional financial, legal, or accounting advice. You should verify all AI-generated outputs with qualified professionals before acting on them. Executive IQ is not liable for decisions made on the basis of AI-generated content.

10. Disclaimer of Warranties

The Service is provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or completely secure.

11. Limitation of Liability

To the maximum extent permitted by law, Executive IQ and its directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Service, even if advised of the possibility of such damages. Our aggregate liability shall not exceed the amount you paid to us in the 12 months preceding the claim.

12. Termination

Either party may terminate this Agreement at any time. Executive IQ may suspend or terminate your account immediately for breach of this Agreement. Upon termination, your right to access the Service ceases. You may request a data export within 30 days of termination.

13. Changes to This Agreement

We reserve the right to modify this Agreement at any time. We will notify you of material changes by email or in-app notice at least 14 days in advance. Continued use of the Service after the effective date constitutes acceptance of the revised terms.

14. Governing Law

This Agreement is governed by and construed in accordance with applicable law. Any dispute arising under this Agreement shall be subject to the exclusive jurisdiction of the competent courts.

15. Contact

Questions about this Agreement should be directed to legal@executive-iq.co.za.