1. DEFINITIONS

1.1 Service and Platform Terms

IQScan ("we," "us," or "our"): The cognitive testing and educational platform operated by EXIMGROUP OOD, a Bulgarian company (EIK/BULSTAT: 204472018).
Service: All features, functionalities, programs, assessments, training modules, and content offered by IQScan.
Platform: Our website, web applications, mobile-responsive pages, and other digital interfaces accessible through any compatible device.
User ("you," "your"): Any individual or entity accessing or using our Service.

1.2 Testing and Training Terms

IQ Score: A numerical result generated by IQScan’s proprietary educational assessment algorithm for informational and entertainment purposes.
Brain Training Programs: Interactive cognitive exercises and activities available on the Platform.
Training Content: Educational materials, activities, explanations, tests, and digital learning resources.

1.3 Subscription Terms

Subscription: Recurring paid access to premium features of IQScan.
Trial Period: A 7-day introductory period offered for a nominal fee (e.g., $1.00 or local equivalent).
Standard Subscription: Automatically renewed access after the Trial Period ends, charged at the rate displayed at checkout (regional pricing applies).
Billing Cycle: The frequency at which subscription fees recur (weekly, monthly, quarterly, etc.).
Payment Processor: Paddle, acting as Merchant of Record for all payments and billing operations.

1.4 Security Terms

Authentication Code: A single-use, time-limited code sent to verify access.
Account Security: Measures and systems used to protect user accounts and credentials.
Access Credentials: Email, device identifiers, verification codes, and other authentication methods.

1.5 Technical Terms

Force Majeure: Circumstances beyond reasonable control, including but not limited to: natural disasters, government restrictions, war, terrorism, cyber attacks, ISP outages, pandemics, infrastructure failures, or comparable events.

2. WELCOME AND INTRODUCTION

2.1 Platform Overview

Welcome to IQScan, the digital platform developed by EXIMGROUP OOD for cognitive assessment, educational testing, and entertainment-based brain training.

2.2 Agreement to Terms

By accessing or using IQScan, you acknowledge and agree that:

You accept these Terms and Conditions.
You accept our Privacy Policy and Cookie Policy.
You consent to our data practices.
You understand the limitations of our educational assessments.

If you do not agree with these Terms, you must not use the Service.

2.3 Access Methods

These Terms apply to all access methods, including but not limited to:

Web browsers
Smartphones
Tablets
Laptop/desktop devices
Third-party integrations
Any future supported technologies

3. IQ TESTING AND TRAINING DISCLAIMERS

3.1 Educational Entertainment Purpose

IQScan provides IQ-style assessments and cognitive exercises for entertainment and educational use only.

You acknowledge that:

IQScan is not a professional psychological or diagnostic tool.
Results are not equivalent to clinical IQ assessments.
IQScan scores must not be used for academic placement, employment decisions, or mental health evaluations.

3.2 Testing Limitations

You understand that results may be influenced by factors such as:

Your environment and stress levels
Device type and performance
Internet connection stability
Familiarity with testing formats
Timing, attention, and concentration

3.3 Training Program Disclosure

IQScan’s cognitive exercises are based on general cognitive skill principles and have no clinical validation. Their effectiveness:

Varies between individuals;
Does not guarantee measurable real-world improvement;
Should not be interpreted as medical or psychological treatment.

3.4 Professional Advice Notice

IQScan does not provide psychological advice, clinical assessments, medical recommendations, or educational/career guidance. For such purposes, you must consult licensed professionals.

3.5 User Responsibility

By using IQScan, you acknowledge that you use the Service at your own discretion and risk. No guarantees of improvement are provided, and we are not responsible for personal or professional decisions made based on your scores or activity on the Platform.

4. ACCEPTANCE OF TERMS

4.1 Agreement to Terms

By accessing or using the Service, you confirm that you have read these Terms, understand them, and agree to be bound by them. If you disagree with any part of these Terms, you must stop using IQScan immediately.

4.2 Modifications to Terms

We may modify these Terms at any time. For material changes, users will receive notice via email. Changes apply:

Immediately for new users; and
After 30 days for existing users.

Your continued use of IQScan after changes have taken effect constitutes acceptance of the updated Terms.

5. ACCOUNT ELIGIBILITY AND SECURITY

5.1 Age Requirements

You must be at least 18 years old and have the legal capacity to enter into a binding agreement to use IQScan.

5.2 Account Creation

When creating an account, you agree to:

Use a valid and accessible email address;
Maintain accurate and up-to-date information;
Hold only one personal account;
Update your information promptly when necessary.

5.3 Security Requirements

You are responsible for maintaining the security of your email account and Access Credentials, including promptly reporting any unauthorized access or suspicious activity.

5.4 Account Protection

We use technical and organizational measures such as:

Passwordless verification and single-use login codes;
Time-limited sessions;
Anti-fraud and anomalous access monitoring.

5.5 Prohibited Activities

You must not:

Create multiple accounts to abuse trial offers;
Share, resell, or transfer access to your account;
Provide false or misleading information;
Attempt to bypass or interfere with our security measures.

5.6 Data Retention Policy

To maintain platform security and efficiency, we may deactivate or delete inactive accounts (e.g., after 365 days of inactivity), in line with our Privacy Policy.

6. SUBSCRIPTION SERVICES

6.1 Subscription Options

Initial Trial

7-day trial period;
One-time charge of approximately $1.00 or local equivalent;
Full access to premium features during the trial;
Automatically renews into a Standard Subscription at the end of the trial unless canceled in time.

Standard Subscription Pricing

After the trial, your selected plan automatically renews according to its Billing Cycle. IQScan follows myIQ-style subscription logic, which may include:

Weekly plans;
Monthly plans;
Quarterly or other periodic plans;
Regional pricing and dynamic tax calculation.

The exact prices for your region are displayed at checkout by Paddle before payment. The price shown at checkout is the price you will be charged after trial expiration. You are responsible for canceling before renewal if you do not wish to continue.

6.2 Regional Pricing

Pricing may vary by country, taxes/VAT, currency, purchasing power adjustments, and Paddle’s local payment rules. The final charge, including any applicable taxes, is always clearly shown before you complete the transaction.

6.3 Payment and Billing

Payments are:

Processed securely by Paddle (our Payment Processor);
Handled in a PCI-DSS compliant environment;
Automatically billed based on your chosen Billing Cycle;
Subject to retry attempts if a payment fails.

You authorize Paddle to store and charge your payment method for recurring subscription fees until you cancel.

6.4 Subscription Management

You may cancel your subscription at any time via:

The Paddle self-service portal; or
Emailing: support@iqscan.online.

Cancellation prevents future charges but does not refund past charges. You retain access until the end of the already paid period.

7. REFUND POLICY

This Refund Policy is designed to comply with Paddle’s refund rules, EU consumer regulations, and myIQ-style structure while remaining enforceable under Bulgarian law.

7.1 Trial Period Refunds (€1 / $1 equivalent)

You may request a refund of the trial fee within 30 days ONLY if all of the following conditions are met:

You are a first-time IQScan user;
You have not previously received a trial refund for any IQScan or Paddle transaction;
You have not violated any section of these Terms; and
The refund request is submitted through official channels:
- Paddle support portal (recommended); or
- IQScan support: support@iqscan.online.

Trial refunds are issued at Paddle’s discretion as Merchant of Record.

7.2 Regular Subscription Refunds

After the trial ends, subscription fees are generally non-refundable, except in the following limited cases (as allowed by Paddle):

A. Service Unavailability

Refunds may be considered when:

The Service is unavailable for 24+ consecutive hours;
The cause is not scheduled maintenance or Force Majeure; and
You report the issue within 30 days.

All such issues must be verified by our technical team and Paddle.

B. Verified Technical Issues

Refunds may be considered when:

IQScan has a critical platform bug preventing access to core features;
The issue is confirmed and reproducible;
You report it within 30 days; and
Paddle approves the case.

C. Billing Errors

A refund will be issued if Paddle verifies duplicate charges, incorrect charge amounts, or unauthorized transactions.

D. Legal Requirements

If your jurisdiction mandates a refund, we and Paddle will comply with applicable law.

7.3 Non-Refundable Situations

Refunds are not granted for:

Failure to cancel before renewal;
Partial or unused subscription time;
Change of mind;
Forgetting about the subscription;
Being dissatisfied with an IQ score;
Internet or device-related issues on your side;
Service unavailability lasting under 24 hours;
Scheduled maintenance windows;
Account termination due to Terms violations.

These rules are required by Paddle.

7.4 How to Request a Refund

All refunds must be requested via:

Paddle customer portal; or
Email: support@iqscan.online.

You must provide:

Your account email;
Paddle Order ID;
Reason for the request;
Screenshots or supporting documentation (if applicable).

Typical processing time is up to 3 business days. Refunds are issued exclusively by Paddle, not by EXIMGROUP OOD.

7.5 Currency Processing

Paddle processes charges in your local currency where supported, including but not limited to: USD, EUR, GBP, CAD, and AUD. For other regions, charges may be processed in USD or another local currency if Paddle supports it.

Paddle uses your bank’s conversion rates. Any conversion fees or extra banking charges are non-refundable and outside of IQScan’s or EXIMGROUP OOD’s control.

8. INTELLECTUAL PROPERTY RIGHTS

8.1 Ownership Rights

All content, software, algorithms, and design elements available on the Platform are owned by EXIMGROUP OOD and protected by international copyright and intellectual property laws.

8.2 Licensed Use

You are granted a limited, non-exclusive, non-transferable license for personal, non-commercial use of the Service.

8.3 Prohibited Actions

You may not:

Copy, modify, or distribute the Platform or its content;
Reverse engineer or attempt to extract source code;
Create derivative works based on IQScan;
Use the content for commercial purposes;
Remove or alter copyright or trademark notices;
Reproduce or republish any content without our prior written permission.

9. USER CONTENT AND RIGHTS

9.1 User Ownership

Users retain ownership of:

Profile data;
Inputs and answers within assessments;
Account information;
Communications and feedback.

9.2 License to IQScan

By using the Service, you grant IQScan a worldwide, non-exclusive, royalty-free, perpetual, transferable, and sub-licensable license to:

Display your content within the Platform;
Optimize it for technical and performance reasons;
Use anonymized data for analytics, research, and Service improvement.

9.3 Prohibited Content

You must not submit:

Illegal or unlawful content;
Malware, viruses, or harmful code;
Offensive, hateful, or abusive material;
Copyrighted content that you do not have rights to;
Fraudulent, deceptive, or misleading information.

9.4 Quality Standards

User content must comply with our security standards, technical guidelines, local legal restrictions, and any format requirements specified in the Service.

10. SERVICE LEVEL AGREEMENT (SLA)

10.1 Availability

IQScan targets 97% annual uptime, excluding scheduled maintenance, Force Majeure events, and emergency updates.

10.2 Change Categories

A. Standard Changes

We may introduce:

Feature updates and UI improvements;
Security enhancements and performance optimizations;
System upgrades and content changes.

Users typically receive at least 15 days’ notice for material changes impacting core functionality.

B. Emergency Changes

Emergency changes may be implemented immediately in response to critical security vulnerabilities, legal compliance requirements, system stability issues, high-severity bugs, or Force Majeure events.

10.3 Maintenance Windows

Scheduled maintenance: at least 24 hours’ notice where practicable;
Emergency maintenance: may occur without prior notice;
Typical duration: up to 4 hours, scheduled during low-usage periods.

10.4 Service Credits

Service credits may be provided at our discretion for extended downtime. Indicative ranges may include:

95–97% uptime → up to 3 days of service credit;
90–95% uptime → up to 7 days of service credit;
Under 90% uptime → up to 14 days of service credit.

Service credits do not equate to monetary refunds and are subject to Paddle’s policies.

11. TECHNICAL REQUIREMENTS

To ensure proper functionality of the Service, your device and environment should meet at least the following minimum technical specifications.

11.1 Browser Support

Chrome 90+;
Firefox 88+;
Safari 14+;
Edge 90+.

Security updates should be applied within 60 days. Legacy browser support may be dropped with 30 days’ notice.

11.2 Display Requirements

Minimum resolution: 320×480;
Recommended: 768×1024 or higher;
Responsive layout is supported for modern screens.

11.3 Mobile Device Requirements

iOS:

iOS 13+;
iPhone 6s+;
Regular security updates required.

Android:

Android 8+;
Hardware acceleration enabled;
Recent security patches recommended.

11.4 Internet Requirements

Minimum download speed: 1 Mbps;
Recommended: 5 Mbps;
Maximum latency: 300 ms for optimal experience.

11.5 System Resources

RAM: minimum 4 GB (8 GB recommended);
Storage: at least 1 GB free;
Multi-core processor;
Modern operating system with recent security patches.

11.6 Additional Technical Requirements

Users must enable:

JavaScript;
Cookies;
Local storage;
Secure HTTPS connections.

12. CUSTOMER SUPPORT AND COMPLAINTS

12.1 Support Availability

IQScan provides customer support 24/7/365 via email. Average response time is typically around 6 hours, with all inquiries generating an internal ticket for tracking and quality assurance.

12.2 Support Channels

You may contact us through:

Email: support@iqscan.online;
Paddle Support Portal (for payment and subscription issues).

Self-service options via Paddle include:

Subscription cancellation;
Billing history and invoices;
Payment method updates;
Tax invoice retrieval.

IQScan may also provide troubleshooting guides, FAQ articles, and automated assistance within the Platform.

12.3 Response Times

General support:

Automatic acknowledgment: immediate;
Initial human response: within 24 hours;
Resolution goal: within 3–5 business days.

Legal or regulatory requests:

Acknowledgment: within 1–3 business days;
Resolution: within 15 business days where feasible.

12.4 Complaint Submission Requirements

To file a formal complaint, include:

Full name;
Account email;
Detailed description of the issue;
Supporting documentation (if any);
Timeline of relevant events;
Any previous communication history.

Send your complaint to support@iqscan.online. It will typically go through stages of acknowledgment, investigation, resolution, and closure.

12.5 Escalation Procedure

If you disagree with a resolution, you may escalate your case:

First-level escalation: email support@iqscan.online with subject "Escalation Level 1".
Second-level escalation: email support@iqscan.online with subject "Escalation Level 2 – Management Review". A member of senior management will review and provide a final decision, typically within 15 business days.

12.6 Quality Assurance

All support interactions are logged and may be monitored and reviewed for training, quality assurance, and compliance purposes.

13. LIMITATION OF LIABILITY

While IQScan strives to provide a high-quality experience, you acknowledge and agree to the following limitations.

13.1 Maximum Liability

The maximum aggregate liability of EXIMGROUP OOD for any claim arising from or related to your use of the Service is limited to the total amount you paid for the Service within the preceding 12 months.

13.2 Excluded Damages

Under no circumstances shall IQScan or EXIMGROUP OOD be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

Financial losses, lost profits, or lost revenue;
Business interruption or lost opportunities;
Cost of substitute services;
Emotional distress or reputational harm;
Technical issues, temporary downtime, or device incompatibility;
Internet connectivity issues;
Third-party software or integration problems.

IQScan does not guarantee:

Accuracy or validity of IQ scores;
Any cognitive improvement;
Psychological, educational, or professional outcomes;
Suitability for diagnostic or clinical use.

13.3 Force Majeure

IQScan shall not be liable for delays or failures caused by events beyond our reasonable control, including natural disasters, war, terrorism, infrastructure failures, pandemics, and other events listed in Section 1.5.

13.4 Indemnification

You agree to indemnify and hold harmless EXIMGROUP OOD, its officers, directors, employees, and affiliates from any claims, damages, or expenses arising from:

Your violation of these Terms;
Misuse of the Service;
Unauthorized access to your account;
Submission of prohibited content;
Violation of intellectual property or other rights;
Legal or regulatory breaches attributable to your actions.

14. DISPUTE RESOLUTION

This section is adapted from the myIQ structure but uses Bulgarian jurisdiction and Bulgarian arbitration, as required for EXIMGROUP OOD.

14.1 Governing Law and Jurisdiction

These Terms shall be governed by and interpreted in accordance with the laws of the Republic of Bulgaria, without regard to conflicts-of-law principles. Any legal actions not subject to arbitration shall be filed exclusively in the courts of Burgas, Bulgaria. You consent to the personal jurisdiction of these courts.

14.2 Mandatory Arbitration

Any dispute, controversy, or claim arising out of or relating to these Terms shall be resolved by binding arbitration under the rules of the Bulgarian Chamber of Commerce and Industry (BCCI Arbitration Court).

Seat of arbitration: Burgas, Bulgaria;
Language: English;
Tribunal: single arbitrator;
Rules: BCCI Arbitration Rules.

The arbitrator’s decision is final and binding on both parties.

14.3 Arbitration Procedure

Before initiating arbitration, you must attempt informal resolution by:

Notifying IQScan at support@iqscan.online;
Providing a full description of the dispute and supporting documentation;
Participating in a 30-day good-faith negotiation period.

If unresolved, arbitration may begin after a formal Notice of Arbitration, detailed claim, and evidence submission. The other party typically has up to 60 days to respond. Hearings may be conducted virtually where appropriate.

14.4 Cost Allocation

Unless otherwise decided by the arbitrator:

Filing fees are shared equally between the parties;
Each party bears its own legal costs;
Arbitrator fees are split equally;
Document production costs are borne by the producing party.

14.5 Class Action Waiver

You agree to resolve disputes with IQScan only on an individual basis and waive the right to:

Join class actions or collective lawsuits;
Participate in representative proceedings;
Engage in consolidated arbitration.

14.6 Exceptions

The arbitration requirement does not apply to: (a) intellectual property protection claims; (b) emergency injunctive relief; (c) claims eligible for small claims court in Bulgaria; or (d) legal obligations that override arbitration under EU law.

15. SERVICE MODIFICATIONS

15.1 Modification Rights

EXIMGROUP OOD reserves the right to modify, suspend, or discontinue any part of the Service at any time.

15.2 Types of Changes

Changes may include, but are not limited to:

Platform updates and new features;
UI or design changes;
Security and performance enhancements;
Content and assessment updates;
Technical documentation and policy updates.

15.3 Notice Requirements

For material changes affecting core functionality, we typically provide at least 15 days’ notice by email and/or within the Platform.

No prior notice is required for emergency changes related to:

Security vulnerabilities;
Legal or regulatory compliance;
Critical bugs;
Force Majeure events.

15.4 Implementation

Material changes may include transition periods where old and new versions coexist. Non-material or minor changes may be implemented immediately.

15.5 User Rights

If you do not agree with material changes, you may cancel your subscription. Your continued use of the Service after changes take effect constitutes acceptance of those changes.

16. ACCOUNT TERMINATION

16.1 User-Initiated Termination

You may terminate your account or subscription at any time via the Paddle subscription portal or by contacting support@iqscan.online. No refunds are provided for unused time, unless explicitly stated otherwise in these Terms or required by law.

16.2 IQScan-Initiated Termination

We may suspend or terminate your account in case of:

Violation of these Terms;
Fraud or suspected fraudulent activity;
Abusive or threatening behavior toward staff or other users;
Security threats or misuse of the Platform;
Persistent payment failures or chargebacks;
Providing false or misleading information.

16.3 Notice

User-initiated termination is effective upon your request. IQScan-initiated termination is generally accompanied by written notice, except in emergency cases where immediate termination may be necessary.

16.4 Post-Termination Procedures

After termination:

Access to your account and the Service is disabled;
Authentication attempts are blocked;
Data is processed in accordance with our Privacy Policy;
Any active subscription is canceled going forward.

16.5 Reactivation

Reactivation may be possible within 30 days of termination and may require acceptance of updated terms, current pricing, and additional account verification.

17. LEGAL INFORMATION

17.1 Corporate Identity

Operator: EXIMGROUP OOD
EIK/BULSTAT: 204472018
Registered Address: 61 Perushtitsa St., Block 1, Burgas 8000, Bulgaria

17.2 Official Communications

Support & General Inquiries: support@iqscan.online
Legal Notices: support@iqscan.online

17.3 Intellectual Property

17.4 Compliance

These Terms are intended to comply with EU consumer protection law, Bulgarian commercial law, and Paddle’s Merchant-of-Record policies.

17.5 Language

In case of discrepancies between translations, the English version of these Terms shall prevail.

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