服务条款

Haven IQ is operated by Haven IQ Solutions("Haven IQ," "we," "us"). By creating an account or using the service at haveniqsolutions.com or app.haveniqsolutions.com, you agree to these terms and to the Privacy Policy. If you don't agree, don't use the service.

• You must be at least 16 years old (or the minimum age in your jurisdiction) and provide accurate account information.
• You're responsible for your credentials and for activity on your account. We strongly recommend enabling multi-factor authentication in Settings → Security.
• If you invite others into your household, you're responsible for whom you invite and for what you choose to share with them. Household members see only what the sharing controls allow.
• Tell us right away at [email protected] if you believe your account has been compromised.

Everything you upload or create in Haven IQ — documents, records, notes, conversations — is your content, and it stays yours. We claim no ownership of it. You grant us only the limited license needed to operate the service: to store your content, process it with the features you invoke (like AI extraction), display it to you and the household members you've shared it with, and back it up. That license ends when the content is deleted. We do not use your content for advertising or to train AI models.

You're responsible for having the right to store what you upload — for example, documents about family members in your care.

Don't use Haven IQ to:

• break the law, or store content you have no right to hold;
• access or attempt to access other people's accounts or data;
• probe, scan, overload, or disrupt the service, or bypass its security or usage limits (good-faith security research is welcome — see the Security page for how to report responsibly);
• resell or white-label the service without our written agreement; or
• send abuse, spam, or malicious content through any feature.

Haven IQ uses AI to read documents you upload, propose structured details, answer questions, and surface insights. AI output can be incomplete or wrong — that's why nothing the AI proposes becomes part of your records until you review and approve it.

Haven IQ is an organizational tool, not a professional adviser. AI answers and insights are not medical, legal, financial, or tax advice. Verify critical details (deadlines, coverage, amounts) against the source document before relying on them.

• Early access:Haven IQ is currently free while in early access. Paid plans (Family Pro) will be announced with clear notice before any charge exists, and what you've organized stays yours either way.
• When paid plans launch:subscriptions will be billed in advance through our payment processor (Stripe), renew automatically until cancelled, and be cancellable anytime from Settings → Billing — taking effect at the end of the paid period. Where required by law, you'll have refund rights per your local consumer protections; beyond that, fees for a started billing period are non-refundable.
• Price changes will never apply retroactively and will be communicated before your next renewal.
• Free-plan limits (documents, storage, members, and similar) are published on the Pricing page and may be adjusted with notice.

We work to keep Haven IQ fast and reliable, but no online service is uninterrupted: maintenance, upgrades, and events outside our control can cause downtime. The service is provided "as is" and "as available," without a guaranteed uptime level during early access. Keep original copies of critical documents — Haven IQ organizes your records; it is not your only copy of a birth certificate.

• You can leave anytime by deleting your account in Settings → Security. Deletion is immediate and permanent — see the Privacy Policy for exactly what happens.
• We can suspend or terminate accountsthat violate these terms, create security risk, or where the law requires it. Unless the situation makes it impossible (for example, illegal content or an active attack), we'll warn you and give you a chance to export your information first.
• If we ever discontinue the service, we'll give you reasonable advance notice and a way to retrieve your information.

To the fullest extent permitted by law: the service is provided without warranties of any kind, express or implied; we are not liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, revenues, or data arising from your use of the service; and our total liability for any claim is limited to the greater of the amount you paid us in the twelve months before the claim or USD $100.

Some jurisdictions don't allow certain limitations — including consumer guarantees in Australia and New Zealand and statutory rights in the EU/UK — and nothing in these terms removes rights that your local law says can't be waived.

If something goes wrong, talk to us first: [email protected]. Most issues are resolved fastest that way, and we commit to engaging in good faith before any formal process. These terms are governed by the laws of the jurisdiction in which Haven IQ Solutions is established, without regard to conflict-of-law rules, except where your local consumer law entitles you to the protections and courts of your own country of residence.

We may update these terms as the service evolves. For material changes we'll notify you (by email or in the app) before they take effect; continuing to use Haven IQ after that date means you accept the updated terms. The date at the top always reflects the current version.

Questions about these terms: [email protected] · Support: [email protected] · Billing: [email protected]