IQ Test Academy
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TERMS AND CONDITIONS
AGREEMENT TO OUR LEGAL TERMS

We are Dmarketing Solutions LTD ('Company', 'we', 'us', or 'our'), a company incorporated at 30 Bruton Way, 2nd Floor, London, England, United Kingdom, W13 0BY.

We run the website https://iqtest-academy.com (the 'Site'), the mobile application IQ Test Academy (the 'App'), along with any other related products and services that reference or link to these legal terms (the 'Legal Terms') (together referred to as the 'Services').

IQ Test Academy provides an all-in-one platform designed to support intellectual development through a carefully constructed IQ test grounded in extensive academic research to ensure accuracy and reliability. Our unlimited subscription gives you unrestricted access to IQ tests, tailored reports, certificates, and cognitive training games — all built to foster critical thinking and mental growth. You may reach us by phone at +44 7366 309077, by email at [email protected], or by post at 30 Bruton Way, 2nd Floor, London, England, United Kingdom, W13 0BY.

These Legal Terms form a legally binding agreement between you — acting in a personal capacity or on behalf of an organization ('you') — and Dmarketing Solutions LTD, governing your access to and use of the Services. By accessing the Services, you confirm that you have read, understood, and agreed to be bound by these Legal Terms in their entirety. IF YOU DO NOT ACCEPT THESE LEGAL TERMS, YOU ARE NOT PERMITTED TO USE THE SERVICES AND MUST STOP IMMEDIATELY.

Any additional terms, conditions, or documents published on the Services from time to time are incorporated into these Legal Terms by reference. We reserve the right to amend these Legal Terms at our sole discretion at any time. Notice of changes will be given by updating the 'Last updated' date, and you waive any entitlement to individual notice of each revision. It remains your responsibility to check these Legal Terms periodically. Continued use of the Services following the posting of updated Legal Terms constitutes your acceptance of those changes.

The Services are designed for users aged 13 and above. Minors (generally those under 18 in their jurisdiction) must have explicit permission from and be supervised by a parent or legal guardian. If you are a minor, your parent or guardian must read and agree to these Legal Terms before you begin using the Services.

1. OUR SERVICES

Content and information made available through the Services is not intended for distribution to, or use by, any individual or organization in any jurisdiction where such distribution or use would conflict with local law or regulation, or would require us to register or comply with any additional legal requirements in that jurisdiction. Users who choose to access the Services from other locations do so of their own accord and bear sole responsibility for complying with any applicable local laws.

2. INTELLECTUAL PROPERTY RIGHTS

We own or hold a licence over all intellectual property contained within the Services, including source code, databases, functionality, software, website design, audio, video, text, photographs, and graphics (collectively, the 'Content'), as well as all trademarks, service marks, and logos (the 'Marks'). The Content and Marks are protected under copyright, trademark, and other intellectual property laws and international treaties. They are made available through the Services 'AS IS' for your personal, non-commercial use only. Subject to your compliance with these Legal Terms — including the 'PROHIBITED ACTIVITIES' section — we grant you a limited, non-exclusive, non-transferable, revocable licence to access the Services and download or print portions of the Content you have legitimately accessed, solely for personal, non-commercial purposes. Outside of what is expressly permitted here or elsewhere in these Legal Terms, no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, displayed publicly, encoded, translated, transmitted, distributed, sold, licensed, or exploited for any commercial purpose without our prior written consent. If you wish to use the Services, Content, or Marks in any way not covered here, please send your inquiry to [email protected]. Any permission we grant to reproduce or display our Content requires that you credit us as the owner or licensor and ensure any copyright or proprietary notice remains visible. All rights not explicitly granted are reserved. Any violation of these intellectual property rights constitutes a material breach of these Legal Terms and will result in the immediate termination of your right to use the Services. Regarding your submissions: please carefully read this section alongside the 'PROHIBITED ACTIVITIES' section to understand the rights you grant us and the responsibilities you take on when submitting content. By sending us any question, comment, suggestion, idea, feedback, or other content about the Services ('Submissions'), you assign to us all intellectual property rights in that Submission. We may use and distribute Submissions freely for any lawful purpose, without obligation to compensate or acknowledge you. You are fully responsible for what you send: by submitting content you confirm you have reviewed and agree to the 'PROHIBITED ACTIVITIES' section and will not submit anything illegal, harassing, hateful, harmful, defamatory, obscene, abusive, discriminatory, threatening, sexually explicit, or misleading; you waive all moral rights in your Submissions to the extent permitted by law; you warrant that your Submissions are original or that you hold all necessary rights to submit them and grant us the rights described; and you confirm your Submissions do not contain confidential information. You are solely liable for your Submissions and agree to compensate us for any losses resulting from a breach of this section, third-party intellectual property rights, or applicable law.

3. USER REPRESENTATIONS

By accessing and using the Services, you confirm and guarantee that: (1) all information submitted during registration is truthful, accurate, current, and complete; (2) you will keep your registration information up to date and correct it promptly when needed; (3) you have the legal capacity to enter into this agreement and will abide by these Legal Terms; (4) you are at least 13 years of age; (5) you are not a minor in your jurisdiction, or if you are, you have obtained parental consent to use the Services; (6) you will not access the Services through any automated or non-human method, such as bots or scripts; (7) you will not use the Services for any unlawful or unauthorized purpose; and (8) your use of the Services will not conflict with any applicable law or regulation. Should you provide false, inaccurate, outdated, or incomplete information, we reserve the right to suspend or permanently terminate your account and block your access to all or any part of the Services.

4. USER REGISTRATION

Accessing certain parts of the Services may require you to create an account. You are responsible for keeping your password secure and for all activity that occurs under your account. We reserve the right, at our sole discretion, to remove, reclaim, or reassign any username we consider inappropriate, offensive, or otherwise unsuitable.

5. PURCHASES AND PAYMENT

We accept the following payment methods:

You agree to supply accurate, complete, and up-to-date billing and account details for any purchase made through the Services. You also agree to keep your account and payment information current — including your email address, payment method, and card expiry date — so that transactions can be processed and we can contact you when necessary. Applicable sales tax may be added to your purchase total as required. Prices are subject to change at any time. By placing an order, you agree to pay the applicable prices and any relevant fees, and you authorize us to charge your selected payment provider accordingly. We reserve the right to correct any pricing errors, even after payment has been received or requested. We may refuse any order at our discretion and may limit or cancel quantities purchased per person, per household, or per order. Such limits may apply to purchases made using the same account, payment method, or billing and shipping address. Orders that appear to be made by resellers, dealers, or distributors may be restricted or rejected at our sole discretion.

6. SUBSCRIPTIONS

Billing and Renewal — Your subscription remains active and renews automatically until you cancel it. By subscribing, you authorize us to charge your payment method on a recurring basis without needing separate approval for each charge, until the subscription is cancelled. Billing occurs on a monthly cycle.

48-Hour Trial — New users may sign up for a 2-day trial for just $1.00. At the end of the trial, the account will be charged based on the subscription plan selected by the user.

Cancellation — You may cancel your subscription at any time by reaching out to our support team at [email protected]. The cancellation takes effect at the conclusion of the current billing period. For questions or concerns about the Services, contact us at [email protected].

Fee Changes — We may revise subscription pricing from time to time and will notify you of any such changes in accordance with applicable law.

7. PROHIBITED ACTIVITIES

The Services may only be used for the purposes for which they are made available. Any commercial use of the Services not explicitly authorized by us is strictly prohibited.

By using the Services, you agree to refrain from:

8. USER GENERATED CONTRIBUTIONS

The Services do not currently allow users to submit or post public content. However, we may from time to time offer you the ability to create, submit, post, display, transmit, perform, publish, distribute, or broadcast content and materials to us or via the Services — including but not limited to text, writings, video, audio, photographs, graphics, comments, suggestions, personal information, or other material (collectively, 'Contributions'). Contributions may be visible to other users of the Services and on third-party platforms. Any Contributions you submit may be handled in accordance with the Services' Privacy Policy. By creating or making any Contributions available, you represent and warrant that:

9. CONTRIBUTION LICENCE

You and the Services agree that we may access, store, process, and use any information or personal data you provide in accordance with the Privacy Policy and your preferences and settings. By submitting feedback or suggestions about the Services, you grant us the right to use and share that feedback for any purpose, without any obligation to compensate you. We make no claim of ownership over your Contributions — you retain full ownership of all Contributions and any associated intellectual property rights. We accept no responsibility for any statements or representations contained in Contributions posted anywhere on the Services. You bear sole responsibility for your Contributions and agree to hold us harmless from any claims or legal actions arising from them.

10. GUIDELINES FOR REVIEWS

Certain areas of the Services may allow you to submit reviews or ratings. When doing so, you must adhere to the following standards: (1) your review must be based on direct personal experience with the subject being reviewed; (2) reviews must not contain offensive language, profanity, racist remarks, or hateful content; (3) reviews must not include discriminatory references based on religion, race, gender, national origin, age, marital status, sexual orientation, or disability; (4) reviews must not mention or reference illegal activity; (5) you must not post negative reviews if you are affiliated with a competitor; (6) you must not draw conclusions about the legality of any conduct; (7) you may not include false or misleading statements; and (8) you may not organize coordinated review campaigns — positive or negative. We reserve the right to accept, reject, or remove reviews at our sole discretion. We are under no obligation to screen or delete reviews, regardless of whether others consider them objectionable or inaccurate. Reviews do not represent our views or those of our affiliates or partners, and we are not liable for any claims, losses, or damages arising from them. By submitting a review, you grant us a perpetual, non-exclusive, worldwide, royalty-free, fully paid, assignable, and sublicensable licence to reproduce, modify, translate, transmit, display, perform, and/or distribute all content related to that review.

11. MOBILE APPLICATION LICENCE

Use Licence — If you access the Services through the App, we grant you a limited, revocable, non-exclusive, non-transferable right to install and use the App on wireless devices you own or control, strictly in accordance with the mobile application licence terms set out here. You may not: (1) decompile, reverse engineer, disassemble, or attempt to access the App's source code or decrypt it, except as permitted by law; (2) modify, adapt, improve, translate, or create derivative works based on the App; (3) violate any applicable laws or regulations through your use of the App; (4) remove, alter, or hide any proprietary notices (including copyright or trademark notices) placed by us or the App's licensors; (5) use the App for commercial revenue generation or any purpose it was not designed for; (6) make the App accessible over a shared network allowing simultaneous multi-device or multi-user access; (7) use the App to develop a product, service, or software that directly or indirectly competes with or substitutes for the App; (8) use the App to send automated queries or unsolicited commercial emails; or (9) incorporate our proprietary information, interfaces, or other intellectual property into any application, accessory, or device for use with the App.

Apple and Android Devices — The following terms apply when you download the App from the Apple App Store or Google Play (each an 'App Distributor'): (1) your licence is limited to a non-transferable right to use the App on a device running Apple iOS or Android, in compliance with the applicable App Distributor's terms of service; (2) we are solely responsible for providing maintenance and support for the App as outlined in these Legal Terms or as required by applicable law — App Distributors have no such obligation; (3) if the App fails to meet any applicable warranty, you may notify the relevant App Distributor, which may issue a refund of any purchase price paid, to the maximum extent permitted by law — the App Distributor bears no further warranty responsibility; (4) you confirm that (i) you are not located in a country subject to a US government embargo or designated as a terrorist-supporting country, and (ii) you do not appear on any US government prohibited or restricted parties list; (5) you must comply with applicable third-party terms when using the App — for example, a VoIP app must be used in compliance with the relevant wireless data service agreement; and (6) you acknowledge that App Distributors are third-party beneficiaries of the mobile application licence terms in these Legal Terms and have the right to enforce them against you.

12. SERVICES MANAGEMENT

We retain the right, though not the obligation, to: (1) monitor the Services for compliance with these Legal Terms; (2) pursue appropriate legal action against any person who, in our sole judgment, violates applicable law or these Legal Terms, including reporting them to law enforcement; (3) at our sole discretion, refuse, restrict, limit, or disable any of your Contributions or access to any portion thereof; (4) at our sole discretion and without notice or liability, remove or disable any files or content that are excessively large or place an undue burden on our systems; and (5) otherwise administer the Services in a way that protects our rights and property and ensures their proper operation.

13. PRIVACY POLICY

The privacy and security of your data matters to us. Please take the time to read our Privacy Policy. By using the Services, you acknowledge and agree to be bound by our Privacy Policy, which forms part of these Legal Terms. Please note that the Services are hosted in the United Kingdom. If you access the Services from a region with different data protection laws, your continued use of the Services constitutes your consent to the transfer and processing of your data in the United Kingdom.

14. TERM AND TERMINATION

These Legal Terms remain in effect for the entire duration of your use of the Services. WITHOUT LIMITING ANY OTHER PROVISION HEREIN, WE RESERVE THE RIGHT, AT OUR SOLE DISCRETION AND WITHOUT PRIOR NOTICE OR LIABILITY, TO DENY OR REVOKE ACCESS TO THE SERVICES (INCLUDING BLOCKING SPECIFIC IP ADDRESSES) FOR ANY REASON OR NO REASON, INCLUDING VIOLATIONS OF THESE LEGAL TERMS OR APPLICABLE LAWS. WE MAY TERMINATE OR SUSPEND YOUR ACCOUNT AND REMOVE ANY CONTENT OR DATA ASSOCIATED WITH IT AT ANY TIME WITHOUT WARNING. Following termination or suspension of your account for any reason, you are prohibited from re-registering under your own name, a fictitious name, or the name of any third party. We also reserve the right to pursue any appropriate legal remedies, including civil, criminal, and injunctive relief.

15. MODIFICATIONS AND INTERRUPTIONS

We reserve the right to alter, update, or remove any aspect of the Services at any time and for any reason, at our sole discretion and without prior notice. We are under no obligation to keep the information on the Services current. We will not be held liable to you or any third party for any modifications, price adjustments, suspension, or discontinuation of the Services. Continuous availability of the Services cannot be guaranteed, as maintenance, hardware issues, or technical problems may cause interruptions, delays, or errors. We accept no responsibility for any loss, inconvenience, or damage resulting from your inability to access the Services during any outage or downtime. Nothing in these Legal Terms creates an obligation for us to maintain, support, or release updates or corrections to the Services.

16. GOVERNING LAW

These Legal Terms are governed by and construed in accordance with the laws of the United Kingdom, with the United Nations Convention on Contracts for the International Sale of Goods expressly excluded. If you reside in the EU and are a consumer, you are additionally entitled to the protections afforded by the mandatory laws of your country of residence. Both Dmarketing Solutions LTD and you agree to submit to the non-exclusive jurisdiction of the Courts of England and Wales, meaning you may also bring a claim to protect your consumer rights in your EU country of residence.

17. DISPUTE RESOLUTION

The European Commission maintains an online platform for dispute resolution, which users may access. If you wish to raise a matter with us, please get in touch directly.

18. CORRECTIONS

Content on the Services may occasionally contain typographical errors, inaccuracies, or omissions affecting descriptions, pricing, availability, or other details. We reserve the right to correct such errors and update any content on the Services at any time without advance notice.

19. DISCLAIMER

THE SERVICES ARE PROVIDED ON AN "AS-IS" AND "AS-AVAILABLE" BASIS. YOUR USE OF THE SERVICES IS ENTIRELY AT YOUR OWN RISK. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE EXPRESSLY DISCLAIM ALL WARRANTIES — WHETHER EXPRESS OR IMPLIED — INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO GUARANTEES REGARDING THE ACCURACY OR COMPLETENESS OF ANY CONTENT AVAILABLE THROUGH THE SERVICES OR ON LINKED WEBSITES OR APPLICATIONS, AND WE ACCEPT NO LIABILITY FOR: (1) ERRORS, INACCURACIES, OR MISTAKES IN CONTENT; (2) PERSONAL INJURY OR PROPERTY DAMAGE RESULTING FROM YOUR USE OF THE SERVICES; (3) UNAUTHORIZED ACCESS TO OR USE OF OUR SERVERS OR ANY STORED PERSONAL OR FINANCIAL DATA; (4) ANY INTERRUPTION OR TERMINATION OF SERVICE TRANSMISSIONS; (5) MALICIOUS CODE, VIRUSES, OR SIMILAR THREATS INTRODUCED VIA THIRD PARTIES; OR (6) ANY LOSSES OR DAMAGES ARISING FROM USE OF CONTENT MADE AVAILABLE THROUGH THE SERVICES. WE DO NOT ENDORSE OR TAKE RESPONSIBILITY FOR ANY THIRD-PARTY PRODUCTS, SERVICES, OR WEBSITES PROMOTED OR LINKED THROUGH THE SERVICES, AND WE ARE NOT A PARTY TO ANY TRANSACTION BETWEEN YOU AND SUCH THIRD PARTIES. EXERCISE APPROPRIATE CAUTION AND JUDGEMENT IN ALL TRANSACTIONS MADE THROUGH OR IN CONNECTION WITH THE SERVICES.

20. LIMITATIONS OF LIABILITY

UNDER NO CIRCUMSTANCES SHALL WE, OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES — INCLUDING LOST PROFITS, LOST REVENUE, OR DATA LOSS — ARISING FROM YOUR USE OF THE SERVICES, EVEN IF WE HAVE BEEN MADE AWARE OF THE POSSIBILITY OF SUCH DAMAGES. REGARDLESS OF THE NATURE OF THE CLAIM, OUR TOTAL LIABILITY TO YOU SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE TWO (2) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM. SOME JURISDICTIONS DO NOT PERMIT EXCLUSION OF CERTAIN WARRANTIES OR LIMITATION OF CERTAIN TYPES OF DAMAGES. WHERE SUCH LAWS APPLY, SOME OR ALL OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL LEGAL RIGHTS.

21. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless us and our subsidiaries, affiliates, officers, agents, partners, and employees from any loss, damage, liability, claim, or demand — including reasonable legal fees — brought by any third party and arising from: (1) your use of the Services; (2) a breach of these Legal Terms; (3) a breach of any representations or warranties you made in these Legal Terms; (4) your infringement of any third party's rights, including intellectual property; or (5) any harmful conduct directed at another user of the Services through the platform. We reserve the right, at your cost, to take over the exclusive defence and control of any matter for which you are required to indemnify us. You agree to cooperate with our defence of such claims at your own expense. We will make reasonable efforts to notify you promptly upon becoming aware of any such claim or proceeding.

22. USER DATA

We retain certain data you transmit to the Services to support their operation and performance, as well as data relating to your usage activity. While we conduct routine data backups, you bear sole responsibility for all data you submit and all activities undertaken through your account. You agree that we bear no liability for any loss or corruption of such data, and you waive any right to bring a claim against us in connection with any such loss or corruption.

23. ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES

Accessing the Services, sending emails, and completing online forms all constitute forms of electronic communication. You consent to receiving electronic communications from us and agree that all notices, disclosures, agreements, and other communications provided electronically — via email or through the Services — satisfy any legal requirement for written communication. YOU AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND RECORDS, AND TO THE ELECTRONIC DELIVERY OF NOTICES, POLICIES, AND TRANSACTION RECORDS INITIATED OR COMPLETED THROUGH THE SERVICES. You waive any rights or requirements under applicable laws that mandate original (non-electronic) signatures, physical document retention, or non-electronic payment or credit methods.

24. MISCELLANEOUS

These Legal Terms, together with any policies or operating rules we post on or in connection with the Services, represent the complete and exclusive agreement between you and us. Any failure on our part to enforce a right or provision of these Legal Terms shall not be deemed a waiver of that right or provision. These Legal Terms apply to the fullest extent permitted by law. We may transfer or assign our rights and obligations at any time. We shall not be held responsible for delays, failures, or losses caused by circumstances beyond our reasonable control. If any provision of these Legal Terms is found to be unlawful, void, or unenforceable, that provision shall be severed without affecting the validity of the remaining provisions. These Legal Terms do not create any joint venture, partnership, employment, or agency relationship between us. You agree that these Legal Terms shall not be construed against us solely on the basis that we drafted them. You waive any defences based on the electronic nature of these Legal Terms or the absence of physical signatures.

25. REFUND POLICY

This refund policy covers all purchases made on this website, including subscriptions and digital products.

For Subscriptions: A refund window of fourteen (14) calendar days from the date of purchase applies. If you are dissatisfied with the service for any reason within that period, you may request a refund. A pro-rated refund for the unused portion of the subscription will be issued upon request. Once the fourteen (14) day window has passed, we are no longer obligated to issue a refund.

For Digital Products: All digital products — including but not limited to eBooks — are non-refundable. Once delivered, no refund will be issued under any circumstances. By completing a purchase of a digital product, you confirm your understanding of and agreement to this no-refund policy.

26. REFUND ELIGIBILITY CONDITIONS

To qualify for a refund under this policy, all of the following conditions must be met:

If any of these conditions are not satisfied, we reserve the right to decline the refund request. It is important to note that encountering error messages does not automatically indicate a non-functional service — such messages may result from improper setup, configuration issues, or software conflicts that affect service performance.

Note: Refund eligibility applies exclusively to subscription services. Digital products are strictly non-refundable under all circumstances.

27. ANTI-MONEY LAUNDERING (AML) POLICY

We are committed to ensuring that our platform is used for lawful purposes only and to upholding the highest standards of compliance with all applicable laws and regulations. While we do not offer financial services, we take active steps to prevent our platform from being exploited for illegal purposes, including money laundering and the financing of terrorism.

Identification and Verification of Users

Although we do not process financial transactions directly, we may collect and verify basic user information to help safeguard our platform against fraudulent activity. We may ask users to provide:

This information is used solely for the purpose of identity verification and compliance with applicable legal requirements.

Prohibited Activities

The use of our platform for any illegal purpose is strictly forbidden, including but not limited to:

Monitoring User Activity

We actively monitor user behavior to detect suspicious patterns or activity that may indicate misuse of our platform. Although we are not a financial institution, we reserve the right to investigate any conduct that raises concern. If activity appears suspicious or potentially unlawful, we may take appropriate action, including:

Cooperation with Authorities

Despite not being directly involved in financial services, we remain committed to compliance with applicable domestic and international regulations. Where illegal activity is suspected, we may work with law enforcement or other relevant bodies and will respond to lawful requests for information in accordance with applicable law.

Risk-Based Approach

We employ a risk-based methodology to identify and address potential risks arising from user activity on our platform. Although we do not engage in financial services, we assess risk factors including user behavior, geographic location, and other relevant indicators to inform our approach.

Privacy and Data Protection

We take the privacy and security of user data seriously. All personal information collected, including identification data, is handled in line with our Privacy Policy and applicable data protection legislation.

Updates to the AML Policy

We reserve the right to revise this policy at any time. Updates will be published on our website, and we encourage users to review this section regularly to stay informed of any changes.

By using our platform, you agree to abide by this Anti-Money Laundering (AML) policy. Failure to comply may result in the suspension or termination of your account.

28. CONTACT US

To submit a complaint about the Services or to request further information about how they operate, please contact us at: [email protected]