1. Scope and acceptance
This Policy forms part of the IQPins Terms of Service. It applies when you make a payment or use IQ Credits. Before checkout, IQPins shows the current policy version and requires your acceptance.
IQPins is not a bank, money transmitter or stored-value account. Real currency is used only to process and account for payments.
2. Qualifying payment and access
A confirmed payment of at least USD 15.00 activates Keywords and Accounts for 30 days. It also adds the number of IQ Credits shown before checkout.
A later qualifying payment renews access for 30 days from that payment's confirmation time. It resets the expiry from the new confirmation time; unused time from the previous period is not added.
Access remains active until its displayed expiry even if your available credit balance reaches zero. There is no subscription, automatic renewal or future recurring charge.
3. IQ Credits (IQC)
IQ Credits are service credits used only for eligible paid IQPins actions. They are not money, cannot be withdrawn, transferred to another user, resold, exchanged or redeemed for cash, and do not earn interest.
Each 1 USD of your payment currently adds 1 IQC. The payment summary shows the amount you will receive before you pay. Later price changes do not change a payment you have already made.
While access is active, you may make a smaller payment from USD 5.00. A payment below the qualifying threshold adds credits but does not extend or reset access. Those credits receive the existing access expiry.
4. Checkout and payment confirmation
Finances shows the payment amount, currency, payment fee, total, credits and access period before checkout. Payment fees are not converted into service credits.
Currently available payment methods: PayPal, Crypto, YooKassa. Available options may depend on your currency and region. Access and credits are added after the payment provider confirms your payment.
Complete checkout before the deadline shown. An unpaid, failed or canceled payment does not activate access or add credits. If you have paid but your balance has not updated, contact support with your payment reference. Delayed confirmations are checked against the terms shown when you started checkout.
5. Paid product actions
Keyword searches are included while access is active. Accounts includes the initial Pin allowance shown before analysis; collecting additional Pins costs credits. You can open Profile Branding, Account Blueprint and My Pins without active Keywords and Accounts access, but their paid actions require enough active credits.
IQPins shows the price in IQC before you confirm a paid action. Credits may be set aside while work is in progress. If work fails or is canceled before a charge is due, unused credits held for that work are released. Finances shows available credits separately from credits reserved for ongoing work.
Regenerating a completed Pin image or text costs 50% of the original price of that part. Retrying a failed generation that was already paid for does not incur a second charge. The confirmation shows the price for your selected action.
6. Access and credit expiry
Access and unused available credits expire together at the time shown in Finances. After expiry, you need to renew access to use Keywords, Accounts or start new paid work.
Work started before expiry with credits already set aside may still finish. If it fails, only the credits held for that work are released. This does not restore other expired credits or renew access.
7. Final purchases and required refunds
Purchases are final once credits are issued. Unused credits do not create a cash balance or a voluntary refund right. No refund is provided for choosing not to use access, for spending credits, for unused credits expiring or for product output not producing a desired business result.
This rule does not apply where a refund, cancellation right or other remedy is required by applicable law. Mandatory legal rights take priority over any conflicting part of this Policy.
8. Reversals, chargebacks and billing review
If a payment is reversed, disputed or found to be unauthorized, IQPins may suspend paid access, remove available credits and restrict the account while the payment is reviewed. Your credit balance will not become negative. Contact support to resolve a payment issue.
9. Payment and credit history
Finances shows your payments, credit additions, spending, returned credits and expiry. Dates use the timezone selected in your account settings.
10. Billing support
Contact support@iqpins.com from the email address connected to your IQPins account. Include the payment reference and provider, but never send passwords, authentication codes or complete payment credentials. Response time is up to 72 hours.