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Terms of Service

Legal Entity: HiLance, doing business as “Tahseel IQ” Addresses: Baghdad – Al Karada – 62 Street. | Erbil – Bakhtiary – Cihan La Gulan Complex – 40 Street. Legal & Support Contact: support [at] tahseeliq dot come

1) Acceptance

By accessing or using Tahseel IQ (the “Service”), you agree to these Terms, the Privacy Policy, and referenced policies. If you use the Service on behalf of a business, you represent you have authority to bind it. The Service is intended for business use in Iraq.

2) Service & Role

SaaS tools for invoicing, payment links/checkout, and reporting/analytics. We are not a bank, payment processor/gateway, or merchant of record. We do not hold, move, or settle funds. Merchants connect their own banking/wallet/processor accounts; payments, refunds, and chargebacks are handled by those institutions.

3) Accounts & Eligibility

No specific age threshold; the Service is for businesses. You affirm you maintain valid accounts with your financial providers and comply with their requirements (including KYC/AML where applicable). We may request basic business and authorized contact details.

4) Acceptable Use

You may not use the Service for any purpose that violates Iraqi law or Central Bank of Iraq rules, including illegal activities, gambling/betting, adult/sexual content, drugs, fraud/misleading billing, harassment/abuse, or sanctions/export-control evasion. Unsolicited messaging is prohibited; merchants must have appropriate consent to contact end customers. We may suspend or terminate access for suspected violations.

5) Pricing, Billing, Taxes

  • IQD billing.
  • Plans may be monthly, annual, or other per product and agreement.
  • Trials may be offered from time to time with no fixed commitment.
  • No refunds of subscription fees once charged.
  • Suspension after 15 days of late payment.
  • Indirect taxes are the customer’s responsibility; we provide software only and no tax advice.

6) Payments & Disputes

We do not store cardholder data or end-customer payment credentials. We securely store merchant connection credentials only, using industry-standard protections. Chargebacks/disputes are handled by the merchant’s bank/wallet/processor, not by us.

7) Privacy & Data

We store limited invoice/payment-link metadata (amount, line items, references) for operational and record purposes. We generally do not collect end-customer personal data. If a merchant enters personal data into free-text fields, the merchant is responsible as controller. We apply reasonable security measures and will notify of data breaches within 72 hours where legally required. The Privacy Policy forms part of these Terms.

8) IP Rights

Each party retains its IP. Users own their content and grant us a limited license to host/process it to provide the Service. No reverse engineering, circumvention, or penetration testing without written authorization.

9) Publicity

We may display a customer’s name/logo only with the customer’s prior consent. Consent may be withdrawn by written notice.

10) Service Levels & Support

Non-binding operational target 99.9% availability. No SLA credits. Scheduled maintenance announced 24 hours in advance when needed. Support via tickets/email Sun–Tue 09:00–17:00 (Asia/Baghdad).

11) Termination & Export

Customer may terminate anytime. We may suspend/terminate for non-payment, AUP violations, or security risk. After termination, we provide 30 days for data export where technically feasible.

12) Disclaimers & Liability Cap

THE SERVICE IS PROVIDED “AS IS.” To the extent permitted by law, we are not liable for indirect, incidental, special, consequential, or lost profits damages. Our aggregate liability is limited to the fees paid to us in the twelve (12) months preceding the event giving rise to the claim. Fraud or willful misconduct are not limited.

13) Indemnity

Customer shall indemnify and hold harmless HiLance/Tahseel IQ from claims arising from unlawful use, violations of these Terms, or infringement of third-party rights caused by Customer.

14) Changes to Terms

We may update these Terms. For material changes we will give 7 days’ notice via posting and, where practicable, email. Continued use after the effective date constitutes acceptance.

15) Governing Law, Venue, Language

These Terms are governed by the laws of Iraq, with exclusive jurisdiction of the courts of Baghdad. Arabic controls; English is for convenience only.