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Terms of Service

These Terms of Service explain the rules that apply when using the FundsIQ platform.

Last updated: September 2026

1. Acceptance of These Terms

By accessing or using FundsIQ, you agree to comply with these Terms of Service and any applicable rules or policies published on the platform.

If you do not agree with these terms, please do not use FundsIQ.

2. About FundsIQ

FundsIQ is an independent digital learning platform designed to provide students with GST learning resources, CBT practice and academic tools.

FundsIQ is not a university and is not affiliated with any university unless a specific partnership is clearly stated.

3. Accounts

Some FundsIQ features require an account.

  • You are responsible for providing accurate information.
  • You are responsible for protecting your account credentials.
  • You should not share your account with other people.
  • You must not use another person's account without permission.
  • You are responsible for activity performed through your account.

4. Educational Use

FundsIQ is provided as a study and examination-practice platform.

Practice questions, scores, calculators and other academic tools are provided to support learning. FundsIQ does not guarantee examination results, grades, admission outcomes or academic performance.

5. Coins and Rewards

FundsIQ may provide an internal coin and reward system.

  • Coins are digital in-platform units.
  • Coins do not represent cash or a bank balance.
  • Coins cannot be withdrawn as cash unless FundsIQ explicitly introduces a feature allowing this.
  • Reward rules may change when necessary to protect the platform from abuse.
  • Fraudulent or abusive activity may result in the removal of improperly earned rewards.

6. Referral Program

FundsIQ may provide referral rewards to eligible users.

Referral rewards are subject to the rules displayed by FundsIQ. Users must not create fake accounts, manipulate referrals or otherwise attempt to abuse the referral system.

FundsIQ may investigate suspicious referral activity and reverse rewards that were obtained through abuse or fraud.

7. Premium

FundsIQ may offer Premium subscriptions or Premium access for a stated price.

Premium features are provided according to the description displayed at the time of purchase.

Premium access may include an ad-free experience and access to additional platform features.

8. Payments

Payments may be processed through third-party payment providers.

You agree to provide accurate information required for a transaction and to use a valid payment method that you are authorized to use.

Payment processing may also be subject to the terms and policies of the relevant payment provider.

9. Prohibited Activities

You must not use FundsIQ to:

  • Commit fraud or deceive other users.
  • Create accounts for abusive or fraudulent purposes.
  • Manipulate coins, referrals, rankings or rewards.
  • Attempt to gain unauthorized access to another account.
  • Attack, disrupt or interfere with the platform.
  • Upload malicious code or harmful content.
  • Copy or redistribute protected FundsIQ content without permission.
  • Use the service for unlawful activities.

10. Intellectual Property

FundsIQ branding, original software, design elements, original content and other materials provided by FundsIQ may be protected by applicable intellectual property laws.

You may use the platform for its intended personal and educational purposes, but you may not copy, reproduce, redistribute or commercially exploit FundsIQ materials without appropriate permission.

11. Third-Party Services

FundsIQ may depend on third-party services for authentication, databases, payments, hosting, advertising and other functionality.

Third-party services may have their own terms, policies and availability requirements.

12. Service Availability

We aim to keep FundsIQ available and reliable, but we cannot guarantee uninterrupted access at all times.

Maintenance, technical problems, security issues, third-party outages or other circumstances may temporarily affect the service.

13. Account Suspension or Termination

FundsIQ may suspend or terminate accounts that violate these Terms of Service, abuse platform features, engage in fraud or create security risks.

Where appropriate, FundsIQ may also restrict specific features while investigating suspicious activity.

14. Limitation of Liability

FundsIQ is provided on an "as available" basis. To the extent permitted by applicable law, FundsIQ does not guarantee that the platform will always be error-free, uninterrupted or suitable for every particular purpose.

Users remain responsible for their academic decisions, account activity and use of information obtained through the platform.

15. Changes to These Terms

FundsIQ may update these Terms of Service when necessary. Updated terms will be published on this page and the "Last updated" date will be changed.

16. Contact

If you have questions about these Terms of Service, please visit our Contact page.