Bayzic Terms of Service

1. Definitions

For clarity, certain terms used in these Terms are defined as follows:

1. We / Us / Bayzic: The service provider that operates bayzic.com (the operating entity is located in Hong Kong).
2. You / User: An individual natural person who accesses or uses the Service.
3. Account: The user identity created after you register/log in via an email one-time password (OTP).
4. Workspace: The functional area in the console where, after logging in, you paste or input data and run analyses.
5. User Data: The tabular data you paste or input in the Workspace, field-mapping information, analysis parameters, and other input content necessary for you to initiate an analysis task.
6. Analysis Results: Outputs generated by the system based on the User Data you provide and the model you select (including, without limitation, reports, charts, metrics, conclusions, exported files, and similar outputs).
7. Model / Analysis Model: Optional analysis method modules provided by the Service (only one model can be selected per task).
8. Subscription Service: Paid services and quotas purchased on a monthly or annual basis.
9. Quota: Limits within a certain period on the number of analyses, the number of rows that may be processed, or other resource limits (as shown on your account page).

2. Scope and Updates of These Terms

1. These Terms apply to your access to and use of the Service website, the Workspace, and related features and content we provide.
2. We may revise these Terms from time to time due to feature changes, compliance requirements, or operational needs, and will update the "Last Updated" date on the relevant page.
3. If you continue using the Service after we update these Terms, you will be deemed to have accepted the updated Terms. If you do not agree to the updates, you must stop using the Service immediately.

3. Service Description

1. The Service provides data processing and analysis tools intended to help you perform quantitative analysis on tabular data you provide.
2. The Service does not constitute any investment advice, trading advice, asset allocation advice, or any promise or guarantee of returns.
3. Analysis Results depend on the data you input, the meaning of fields and how they are mapped, the model you select, the parameters you set, and the runtime environment. You understand and agree that:
   • Outputs may contain errors, omissions, delays, or may not fit certain scenarios;
   • You should decide for yourself whether Analysis Results are suitable for your purpose;
   • Any decision you make based on Analysis Results, and any consequences, are solely your responsibility.

4. Eligibility and Use Restrictions

1. The Service is currently provided only to individual natural-person users.
2. Corporate procurement, team accounts, multiple users sharing a single Account, using the Service outputs as the primary deliverable of a paid service provided to others, or embedding the Service into a product/system that is open to multiple users for external access are not within the scope of the Service for individual users.
3. If you use the Service in the name of an organization or for an organization's benefit, or if multiple users share one Account or distribute results to others, we may take restrictive actions under these Terms (including suspension, termination, or refusal of service).

5. Account and Login

1. You may register/log in via an email one-time password (OTP). You must ensure your email address is genuine and usable, and you must properly safeguard your login device and your OTP receiving channel.
2. You are responsible for all activities performed using your Account, including, without limitation, initiating analysis tasks, exporting results, purchasing subscriptions, and configuring settings.
3. If you suspect your Account may be used by others without authorization, you should contact our support email as soon as possible (see "Notices and Contact").
4. We may, for security or compliance reasons, restrict abnormal logins, abnormal traffic, or suspected abusive behavior.

You may stop using the Service at any time. Whether a paid service renews after expiration, and how renewal works, will be subject to what is shown on the checkout page/order page.

If you wish to close (delete) your Account, you may submit a request via our support email. For security, we may require you to provide necessary information to verify account ownership, and we will process the request within a reasonable period. After account closure, you will no longer be able to access historical records or used quotas. Necessary records related to legal compliance, security audits, tax and financial bookkeeping (for example, orders and payment receipts) may be retained for statutory or reasonable periods, as further described in the Privacy Policy.

6. Your Data and Content

6.1 Your Rights and Responsibilities Regarding User Data

To avoid differences in understanding: "User Data" in these Terms corresponds to "Workspace Data" in the Privacy Policy (tabular data you paste/input, field mappings and analysis parameters, etc.). Technical information generated when you access and use the Service (such as access timestamps, browser type, page paths, error information, etc.) corresponds to "Usage Data / Logs and Technical Information" in the Privacy Policy.

1. You retain rights to the User Data you import.
2. You represent that you have a lawful source and the necessary authorization for the User Data you submit to the Service, and that it does not infringe any third-party rights (including, without limitation, privacy rights, trade secrets, copyright, database rights, and similar rights). The retention period, deletion methods, and security measures for User Data and related processing records are governed by the Privacy Policy.
3. You must not upload or process any of the following:
   • Data containing sensitive personal information of others without lawful authorization;
   • Data subject to confidentiality obligations that you are not authorized to disclose;
   • Illegal content, or data intended for illegal purposes.

6.2 Permission Needed to Provide the Service

To provide analysis and export functions, you agree that we may process User Data within the scope necessary to provide the Service, including, without limitation: receiving, parsing, temporarily storing, computing, generating results, exporting, and necessary processing for troubleshooting and security protection. Unless otherwise stated in the Privacy Policy, we will not use your User Data for external sale or for purposes unrelated to the Service. The retention period, deletion methods, and availability of User Data and Analysis Results are subject to the Privacy Policy and the descriptions on the product page/account page.

6.3 Ownership and Use of Analysis Results

1. Analysis Results are generated by the system based on your inputs. In general, you may view and export them within the Service.
2. You understand and agree that Analysis Results are for your personal use only. You must not use the Service outputs as the core deliverable of a paid service provided to others, and you must not embed them into a product/website/tool that is open to multiple users for external access.

7. Acceptable Use (Prohibited Conduct)

You agree that you will not engage in, or assist others in engaging in, any of the following:

1. Attempt to bypass login, quota, subscription limits, or other technical restrictions (including circumventing system controls via API calls, scripts, or other methods);
2. Reverse engineer, decompile, disassemble, or otherwise attempt to extract source code or core algorithms;
3. Use automated scripts, crawlers, bulk requests, or similar methods to impose unreasonable load on the system or interfere with other users' normal use;
4. Upload malicious code, conduct attacks, probe vulnerabilities, or interfere with service operations;
5. Impersonate others, provide false information, or use the Service in a misleading manner;
6. Transfer, rent, lend, or share your Account with others;
7. Use the Service, the model list, or outputs for any illegal purpose.

If you violate these Terms, we may take actions as appropriate, including, without limitation, restricting features, suspending/terminating your Account, refusing to provide the Service, and reserving the right to pursue further liability.

8. Intellectual Property

1. The Service's software, pages, interactions, visual elements, trademarks/logos, model organization, and the text and documentation we provide are owned by us or relevant right holders. Without our written permission, you may not copy, distribute, adapt, or use them for other purposes.
2. Your submitted User Data remains yours (or belongs to the lawful right holder). These Terms do not change ownership of User Data due to your use of the Service.
3. If you provide improvement suggestions, comments, or feedback, you agree that we may use them to improve the product without paying you (unless otherwise agreed in writing by both parties).

9. Subscription, Fees, and Refund Policy

9.1 Service Types and Price Display

The Service may offer free quotas and paid services (including, without limitation, quota-based purchases and periodic subscriptions). Specific service content, prices, quotas, validity periods, and usage rules are subject to what is displayed at the time you place an order.

9.2 Billing and Renewal

Current paid plans are billed monthly or annually (as displayed on the page). Whether auto-renewal applies will be clearly shown on the checkout page/order page (or on the payment provider's page). If it is not explicitly labeled as "auto-renewal/auto-subscription," it will be treated as requiring manual repurchase after expiration by default.

9.3 Refund Policy (Important)

You understand and agree that, after you complete payment, unless applicable laws and regulations provide otherwise, fees paid are generally non-refundable. The following do not constitute grounds for a refund, including, without limitation:

• (1) You did not use or did not fully use the quotas/services;
• (2) Your usage frequency is low or you no longer need the Service for a period of time;
• (3) You believe it "does not meet expectations" due to personal preference or subjective experience;
• (4) Issues caused by your own device, network environment, browser/system compatibility, and similar reasons (unless we confirm that the issue is a material fault of the Service itself and the law requires a refund).

In very rare cases, if we confirm that, under normal conditions for a typical user, the Service's main paid features are continuously unavailable, and the issue is not caused by your device/network environment, browser compatibility, third-party provider failures, or your violation of these Terms, and we still cannot fix it within a reasonable period; or if applicable laws require a refund, we may, at our discretion, approve a partial refund.

Whether the above constitutes a "material fault/continuous unavailability" will be determined based on system logs, third-party service status, and reasonable troubleshooting conclusions.

If a refund is approved, the refund amount is usually calculated proportionally based on unused quotas (if applicable) or the unfulfilled subscription period (if applicable), and is subject to our and/or the payment provider's records. It does not include any discounts, promotional amounts, or paid taxes/fees. We reserve the right to decide whether to accept a refund request and the final amount.

9.4 Chargebacks and Disputes

If you initiate a chargeback or dispute through your card issuer or payment channel, we may take necessary measures during the dispute process, including, without limitation, restricting login, suspending service, freezing quotas, or temporarily closing the Account to prevent further loss. After the dispute is concluded, we will decide whether to restore service and related benefits based on the outcome, and we reserve the right to seek recovery or take other actions.

9.5 Third-Party Payment Services

Payments may be processed by third-party payment providers. When using such payment methods, in addition to these Terms, you must comply with the third-party payment provider's rules and terms. Where payment failures, risk-control blocks, exchange-rate differences, or similar issues are caused by the third-party payment provider, we will provide reasonable assistance but will not assume liability beyond what is required by law.

9.6 Changes to Pricing, Quotas, and Rules

We may adjust pricing, quotas, feature scope, or usage rules due to operational needs, and will explain such changes via page display, in-service prompts, or emails sent to your account-bound email address. Unless applicable law provides otherwise:

• (1) Services you have already purchased and that are still within the validity period will generally be provided according to what was shown when you placed the order;
• (2) Changes generally apply to future new orders or the next purchase cycle.

10. Third-Party Services and Links

The Service may integrate or use third-party services (for example: email delivery, payment, logging and monitoring, cloud infrastructure, and similar services). The availability and rules of third-party services are their own responsibility.

To the extent permitted by law, we are not liable for impacts caused by third-party interruptions, restrictions, pricing changes, or their own terms updates; however, we will provide necessary assistance within a reasonable scope.

If the Service includes links to third-party websites, such links are provided for convenience only. We do not guarantee third-party content, and you should evaluate and bear the risks yourself.

11. Logs, Cookies, and Local Storage

1. To maintain login status and security, the Service may use technologies such as HttpOnly Cookies.
2. To improve stability and troubleshoot issues, the Service may record client-side events and error information within the minimum necessary scope (typically technical logs; data may be de-identified or masked when necessary). If you enable related settings, the client may report such information to an endpoint you specify. Unless you proactively provide relevant information to us during troubleshooting communications, such reported information will not be sent to us by default.
3. Certain features may use browser local storage (localStorage/sessionStorage) to store session and Workspace state. When you log out, the system may clear local cache and session information; you may also clear site data in your browser settings.
4. For more details on personal information processing, please refer to the Privacy Policy.

12. Service Availability, Changes, and Interruptions

1. We will make reasonable efforts to keep the Service stable, but we do not guarantee that it will always be free of faults, delays, or interruptions.
2. We may update, adjust, suspend, or discontinue certain features due to system maintenance, security, compliance requirements, or product iteration.
3. If service is interrupted due to unforeseeable network issues, cloud service failures, attacks, power outages, or similar events, we will make reasonable efforts to restore it, but we do not assume liability for indirect losses caused thereby (unless applicable law provides otherwise).

You understand and agree that if you enable or configure the client to report events/errors to an endpoint you specify, you are responsible for the legality, security, and availability of that endpoint. Such reporting may fail or be delayed due to network conditions, browser limitations, or third-party service issues, and we do not guarantee timeliness or completeness of such reporting.

If we reasonably believe that such configuration may create security risks, compliance risks, or unreasonable load, we have the right to restrict or disable the reporting feature.

13. Disclaimer (Please Read Carefully)

1. The Service and its outputs are provided on an "as is" and "as available" basis. We make no guarantees regarding the accuracy, completeness, suitability, or timeliness of outputs.
2. Analysis Results depend on your input data, the meaning of fields and how they are mapped, the model you select, and the runtime environment. You should decide for yourself whether Analysis Results are suitable for your purpose; any decisions and consequences are solely your responsibility.
3. You should back up any User Data and exported results that you consider important. The Service may adjust data retention methods or durations due to product iteration, capacity policies, compliance, or security needs. The retention period, deletion methods, and availability of User Data and Analysis Results are subject to the Privacy Policy and the descriptions on the product page/account page.
4. Responsibilities and limitations regarding reporting events/errors to an endpoint you specify are described in Section 12.

14. Limitation of Liability

1. To the extent permitted by law, we are not liable for any indirect, incidental, punitive, or consequential damages arising from your use of, or inability to use, the Service, including, without limitation: loss of profits, trading losses, data loss, loss of goodwill, or business interruption.
2. In any event, our total aggregate liability to you under these Terms or the Service is capped at the total amount of fees you actually paid for the Service in the 12 months preceding the event giving rise to liability.
3. If you paid no fees in the 12 months preceding the event giving rise to liability, our total aggregate liability is capped at USD 100 or the equivalent amount (whichever is lower).
4. These limitations do not apply to liabilities that cannot be limited or excluded under applicable law.

15. Governing Law and Dispute Resolution

1. Governing Law: The formation, effectiveness, interpretation, performance, and dispute resolution of these Terms are governed by the laws of Hong Kong, without regard to its conflict-of-law principles.
2. Good-Faith Negotiation First: If any dispute arises between you and us regarding the Service or these Terms, both parties shall first attempt to resolve it through good-faith and friendly negotiation.
3. Arbitration: If negotiation fails, any dispute shall be submitted to the Hong Kong International Arbitration Centre (HKIAC) for arbitration under its then-effective arbitration rules. The seat of arbitration shall be Hong Kong, the arbitration language shall be English, and the arbitral award shall be final and binding on both parties.
4. Continued Performance: During the dispute process, except for the matters in dispute, both parties shall continue to perform the other parts of these Terms that are not affected by the dispute (if applicable).

16. Severability, No Waiver, and Assignment

1. Severability: If any provision of these Terms is found invalid or unenforceable, it will not affect the validity of the remaining provisions. The relevant provision shall be interpreted or replaced, to the extent permitted by law, in a manner that most closely reflects its original intent.
2. No Waiver: Our failure or delay to exercise any right under these Terms does not constitute a waiver of that right. Any waiver of a breach does not affect our right to claim against other or subsequent breaches.
3. Assignment: We may assign our rights and obligations under these Terms to an affiliate or successor, provided it does not materially reduce the primary functions or remaining benefits of services you have purchased, and we will notify you via the "Notices and Contact" method. You may not assign your rights or obligations under these Terms without our prior written consent.

17. Notices and Contact

We may send service-related notices to you through in-service prompts and similar methods.

If you have any questions about these Terms or the Service, please contact us at:

support@bayzic.com