Terms of Service

1. Introduction and Acceptance of Terms

These Terms of Service ("Terms") govern your access to and use of the arbitrIQ platform (the "Service"). The Service is owned and operated by The Smart Blend SRL, a company incorporated under the laws of Belgium, with registered address Avenue des Gerfauts 10/34, 1170 Watermael-Boitsfort, Belgium ("The Smart Blend", "we", "us").

By accessing or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must not use the Service.

2. About Us

The Service is provided by The Smart Blend SRL, a Belgian private limited liability company (SRL). The Service is marketed under the name "arbitrIQ" and provides an AI-powered strategic decision support environment. The Smart Blend SRL is not a regulated financial institution, investment firm, legal practice, tax advisor, or professional consultancy.

The Service is intended primarily for business users, such as founders, executives, investors, and professionals involved in strategic decision-making. If you are a consumer within the meaning of applicable consumer protection laws, certain provisions of these Terms (such as liability limitations or dispute resolution clauses) may not apply to you to the extent they are not permitted under mandatory law.

3. Description of the Service

arbitrIQ is an AI-powered strategic decision support platform that uses automated reasoning, multi-agent analysis, and structured debate outputs to help you explore and evaluate binary business or strategic questions. The Service provides analytical frameworks and generated content that are intended to support, but never replace, your own analysis, judgment, and decisions.

The Service and all outputs are provided for informational and exploratory purposes only and are not tailored to your specific circumstances unless explicitly stated.

4. No Financial, Legal or Professional Advice

The Smart Blend SRL does not provide financial, investment, legal, tax, accounting, management, human resources, medical, or any other regulated professional advice.

Nothing in the Service, including any analysis, scoring, recommendation, explanation, or other output, should be interpreted as:

• Financial, investment, or trading advice or a recommendation to buy, sell, or hold any asset;
• Legal, tax, or regulatory advice;
• Professional advice in strategy, corporate governance, HR, or operations;
• An endorsement or guarantee of any decision, transaction, or outcome.

You remain solely responsible for obtaining independent professional advice from qualified experts before making any decision that could have financial, legal, regulatory, or other significant consequences.

5. User Responsibility and Assumption of Risk

You are solely responsible for all decisions, actions, and omissions taken in connection with or based on your use of the Service. You acknowledge and agree that:

• You use the Service at your own risk;
• Any conclusions, decisions, or strategies you derive from the Service are entirely your own;
• You will not rely on the Service as the sole basis for any business, financial, legal, or strategic decision;
• You will independently verify any information or analysis that is important to your decisions.

6. Accounts and Eligibility

To use certain features of the Service, you may be required to create an account. You must be at least 18 years old and have the legal capacity to enter into binding contracts to use the Service.

You agree to provide accurate and complete information when creating your account and to keep your login credentials confidential. You are responsible for all activities that occur under your account. If you become aware of any unauthorized use, you must notify us promptly.

7. Credits, Fees and Payments

The Service may operate on a credit-based or subscription-based model. Credits or subscriptions provide access to certain volumes of analysis, models, or features.

Prices, credit consumption rates, and available plans may be modified from time to time. Where required, we will provide prior notice of such changes. Continued use of the Service after changes take effect constitutes your acceptance of the updated pricing or conditions.

7.1 EU Consumer Withdrawal Right

If you are a consumer in the European Economic Area, you have a legal right to withdraw from a distance contract within 14 days without giving any reason.

By purchasing credits or initiating a subscription, you expressly request that we begin providing the Service immediately. You acknowledge that you may be required to pay a proportionate amount for the Service already provided if you exercise your right of withdrawal within the 14-day period, and that you may lose your right of withdrawal once the digital content or services have been fully provided in accordance with your request, to the extent permitted by applicable law.

7.2 Refund Policy

Except as required by applicable law or as expressly provided in these Terms, all purchases are final and non-refundable. Unused credits do not expire unless your account is terminated for breach of these Terms.

8. Acceptable Use

You agree that you will not:

• Use the Service for any unlawful, fraudulent, or harmful purpose;
• Submit content that infringes the rights of others, including intellectual property, privacy, or confidentiality rights;
• Upload or input personal data or confidential information without having all necessary rights and permissions to do so;
• Attempt to reverse engineer, decompile, or otherwise access the source code of the Service;
• Circumvent, disable, or interfere with security or access control features;
• Use any automated means (such as bots or scripts) to access or use the Service beyond its intended user interface;
• Resell, redistribute, or sublicense access to the Service or its outputs without our prior written consent.

9. Intellectual Property

All rights, title, and interest in and to the Service, including its software, design, layout, branding, and documentation, are owned by The Smart Blend SRL or its licensors and are protected by intellectual property laws.

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable license to access and use the Service for your internal business purposes only.

9.1 Use of Analysis Outputs

You may use analysis outputs generated from your own queries for your internal decision-making, documentation, and business purposes. You may also share such outputs with third parties (such as investors, board members, advisors, regulators, or clients) in the ordinary course of your business, provided that:

• You do not misrepresent the outputs as professional advice or as a substitute for independent professional judgment;
• You acknowledge that the outputs are AI-generated and subject to the limitations described in these Terms;
• You remain solely responsible for any decisions made based on such outputs, whether by you or by any third party to whom you provide them.

This license does not permit you to resell, sublicense, or commercialize the Service itself, nor to use the outputs to create competing products or services.

10. AI, Third-Party Services and Limitations

The Service relies on artificial intelligence models and infrastructure provided by third-party vendors (such as AI model providers, hosting providers, and payment processors). We do not control the internal functioning of these third-party services.

You understand and accept that AI-generated content may be inaccurate, incomplete, biased, contradictory, or otherwise unreliable. We make no representation or warranty regarding the correctness, completeness, or suitability of any AI output.

10.1 Third-Party Provider Changes

Third-party providers may, at any time and without notice to us, modify, suspend, discontinue, or terminate their services, change their pricing, or alter their terms of use. Such changes may affect the availability, functionality, or cost of the Service. To the maximum extent permitted by law, we are not liable for any loss or damage arising from changes made by third-party providers, including but not limited to service interruptions, reduced functionality, or increased costs.

We will use reasonable efforts to notify you of material changes affecting the Service where practicable, but we cannot guarantee advance notice of changes imposed by third parties.

11. Service Availability and Changes

We aim to keep the Service available and evolving, but we do not guarantee uninterrupted or error-free operation. We may, at any time and without notice:

• Modify, update, or improve features;
• Introduce new functionalities or limitations;
• Suspend or discontinue parts of the Service;
• Restrict access to certain users or regions.

To the maximum extent permitted by law, we are not liable for any unavailability of the Service or any modification, suspension, or discontinuation.

We do not guarantee that any content or data you store or submit in the Service will be available or recoverable at all times, and you are responsible for maintaining appropriate backups of your own data where necessary.

12. Disclaimer of Warranties

The Service is provided on an "as is" and "as available" basis, without any warranties of any kind, whether express, implied, or statutory.

To the fullest extent permitted by law, we expressly disclaim all warranties, including but not limited to implied warranties of accuracy, fitness for a particular purpose, merchantability, non-infringement, and availability.

13. Limitation of Liability

To the maximum extent permitted by applicable law, The Smart Blend SRL, its directors, employees, and affiliates shall not be liable for any:

• Indirect, incidental, special, punitive, or consequential damages;
• Loss of profits, revenue, contracts, opportunities, or anticipated savings;
• Loss of data, business interruption, or reputational harm;
• Damages arising from decisions taken or not taken on the basis of the Service or its outputs;
• Damages resulting from unauthorized access to or use of your data, except where caused by our intentional misconduct or gross negligence as defined under applicable law.

In any case, and to the extent permitted by law, our total aggregate liability arising out of or relating to the Service and these Terms shall be limited to the lower of: (a) the total amount you paid to us for access to the Service during the twelve (12) months immediately preceding the event giving rise to the claim, or (b) one hundred euros (€100).

14. Force Majeure

We shall not be liable for any failure or delay in performing our obligations under these Terms where such failure or delay results from circumstances beyond our reasonable control, including but not limited to:

• Acts of God, natural disasters, epidemics, or pandemics;
• War, terrorism, civil unrest, or government actions;
• Failure or interruption of third-party services, including AI model providers, cloud hosting, payment processors, or telecommunications infrastructure;
• Cyberattacks, distributed denial-of-service attacks, or other security incidents affecting our infrastructure or that of our providers;
• Changes in law, regulation, or government policy that materially affect our ability to provide the Service;
• Power outages, hardware failures, or other technical failures beyond our control.

In the event of a force majeure event, our obligations under these Terms shall be suspended for the duration of such event. If a force majeure event continues for more than thirty (30) days, either party may terminate the agreement by written notice without liability.

15. Indemnification

You agree to indemnify, defend, and hold harmless The Smart Blend SRL and its directors, employees, and affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or related to:

• Your use or misuse of the Service;
• Your violation of these Terms;
• Your violation of any law or third-party right, including intellectual property or privacy rights;
• Any decision or action that you take based, in whole or in part, on outputs produced by the Service.

16. Data Protection and Privacy

Our collection and use of personal data in connection with the Service are described in our Privacy Policy, which forms an integral part of these Terms. By using the Service, you acknowledge that you have read and understood the Privacy Policy.

17. Term and Termination

These Terms apply from the moment you first access the Service and remain in force until terminated by you or us.

We may suspend or terminate your access to the Service at any time, with or without notice, if we reasonably believe that you have breached these Terms, are misusing the Service, or if continued access would create risk or liability for us or for other users.

Upon termination, your right to use the Service ceases immediately. Certain provisions of these Terms which by their nature should survive termination (including, without limitation, intellectual property, limitation of liability, indemnification, and governing law) will continue to apply.

18. Governing Law and Dispute Resolution

These Terms and any dispute or claim arising out of or in connection with them or their subject matter shall be governed by and construed in accordance with the laws of Belgium, without regard to its conflict of law rules.

18.1 Informal Resolution

Before initiating any formal legal proceedings, you agree to first contact us at legal@arbitrIQ.com and attempt to resolve any dispute informally. We will attempt to resolve the dispute through good-faith negotiation within thirty (30) days. If we cannot reach a resolution within this period, either party may proceed to formal dispute resolution.

18.2 Jurisdiction

Subject to the informal resolution process above, the courts of Brussels, Belgium shall have exclusive jurisdiction over any dispute arising out of or relating to these Terms or the use of the Service, subject to any mandatory provisions of applicable consumer protection laws.

18.3 Class Action Waiver

To the fullest extent permitted by applicable law, you agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.

If, for any reason and notwithstanding the foregoing, a claim proceeds in court rather than through individual resolution, any limitations set out in this Section shall apply only to the extent permitted by mandatory law, and nothing in these Terms shall deprive you of any non-waivable rights under applicable consumer protection legislation.

19. Changes to These Terms

We may update these Terms from time to time. When we make material changes, we will notify you through the Service, by email, or by other appropriate means. The updated Terms will take effect from the date indicated as "Last Updated". Your continued use of the Service after the updated Terms become effective constitutes your acceptance of them.

20. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court or other tribunal of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable, or if modification is not possible, shall be severed from these Terms. The invalidity or unenforceability of any provision shall not affect the validity or enforceability of the remaining provisions, which shall continue in full force and effect.

21. Entire Agreement

These Terms, together with the Privacy Policy and any other documents expressly incorporated by reference, constitute the entire agreement between you and The Smart Blend SRL regarding your use of the Service. These Terms supersede all prior and contemporaneous understandings, agreements, representations, and warranties, whether written or oral, regarding the Service.

22. No Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. No waiver of any term shall be deemed a further or continuing waiver of such term or any other term. Any waiver must be in writing and signed by an authorized representative of The Smart Blend SRL to be effective.

23. Assignment

You may not assign, transfer, or sublicense your rights or obligations under these Terms without our prior written consent. We may assign or transfer these Terms, in whole or in part, without restriction, including in connection with a merger, acquisition, corporate reorganization, or sale of all or substantially all of our assets. Any purported assignment in violation of this section shall be null and void.

24. Export Controls and Sanctions

You represent and warrant that you are not located in, under the control of, or a national or resident of any country subject to comprehensive trade sanctions or embargoes (including, as of the date of these Terms, Cuba, Iran, North Korea, Syria, and the Crimea, Donetsk, and Luhansk regions of Ukraine), and that you are not on any restricted party list maintained by the European Union, the United States, or any other applicable jurisdiction.

You agree to comply with all applicable export control laws and regulations when using the Service. You shall not use the Service for any purpose prohibited by such laws, including the development, design, manufacture, or production of nuclear, chemical, or biological weapons, or missile technology.

25. Contact

If you have any questions about these Terms, please contact us at: legal@arbitrIQ.com or by post at The Smart Blend SRL, Avenue des Gerfauts 10/34, 1170 Watermael-Boitsfort, Belgium.