Terms of Service

Effective Date: 2026-06-06

These Terms of Service ("TOS") constitute the core commercial agreement between you (the Customer) and InsightLoop regarding project simulation token purchasing, payment obligations, Service Level Agreements (SLAs), and commercial confidentiality. This document supplements the User Agreement.

1. Billing and Payment Rules

1.1 Billing Model: InsightLoop operates on a pay-per-idea buy-out or delta upgrade model. You may secure simulations via Paddle to compile S, M, B vectors or reality boundary blockages.
1.2 Chargebacks and Account Freeze: All fees must be paid in full in advance. If you initiate an unwarranted credit card chargeback or bank stop-payment, it will be considered a material breach of contract. We reserve the right to immediately terminate your access and pursue legal action to recover the debt.
1.3 Fair Use Policy (FUP): Your simulations must fall within normal commercial research and logical projection workloads. It is strictly prohibited to embed, white-label, or resell our APIs to external third parties.
1.4 No Refund Policy: Because generative AI interfaces and phase space projections consume real-time computational resources, once a simulation is compiled, fees paid are non-refundable under any circumstances.

2. Service Level Agreement (SLA) and Remedies

2.1 Uptime Guarantee: We commit to maintaining an uptime of 99.9% for the core decision compilation and report generation engines.
2.2 SLA Credits: If monthly uptime falls below 99.9%, you may apply for Service Credits by submitting detailed incident logs. The maximum credit awarded will not exceed 30% of the prorated payment for the affected project. Credits may only be applied to future invoices and are not redeemable for cash.
2.3 Exclusions: Downtime caused by the following is excluded from SLA calculations: (a) Local network failures; (b) Scheduled maintenance; (c) Massive outages of underlying infrastructure (e.g., AWS, OpenAI, DeepSeek); (d) Force majeure events (e.g., war, severe cyber-attacks, governmental actions).

3. Commercial Confidentiality and Data Isolation

3.1 Confidential Information: "Confidential Information" refers to any non-public information disclosed by one party to the other, marked as confidential or reasonably understood to be confidential (including your business ideas, differentiation texts, and our proprietary non-public API documentation and source code).
3.2 Duty of Confidentiality: The receiving party must protect the disclosing party's Confidential Information with the same degree of care it uses to protect its own. It may not be disclosed to unrelated third parties without prior written consent.
3.3 Data Isolation: We utilize logical isolation architectures within our cloud databases to ensure your commercial ideas and regret data never leak to other clients.

4. Indemnification

You agree to fully defend, indemnify, and hold harmless InsightLoop from and against any third-party claims, lawsuits, or regulatory fines arising out of your violation of intellectual property laws, infringement of third-party patents, or breach of the Fair Use Policy. You shall bear all associated legal fees, settlements, and penalties.

5. Severability and Governing Law

If any provision of these TOS is found by a competent court to be invalid or unenforceable, that provision shall be enforced to the maximum extent permissible, and the remaining provisions will remain in full force and effect.

6. Contact Us

If you have any questions regarding these Terms of Service, please contact us at: 1600126962@qq.com