Terms & conditions

Welcome to MinutesIQ (the "Platform" or "Service"), which is operated by Solution Panorama Inc. carrying on business as MinutesIQ (which we will refer to as "we," "MinutesIQ," or "Solution Panorama"). These Terms and Conditions apply to all products, services, and platforms developed and operated by Solution Panorama Inc., including MinutesIQ and any other products or services that may be launched or offered under a separate brand name.

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In order to use the Platform, you must comply with certain terms, conditions, and rules which are explained in these Terms and Conditions.

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As a user (which we will refer to as "you" or "the user"), you accept these Terms and Conditions by using the Platform, and this constitutes a binding contract between you and us. If you do not wish to be bound by these Terms and Conditions, you must stop using the Platform immediately.

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1. PURPOSE OF THE PLATFORM

MinutesIQ is a meeting transcription and management platform designed to record, transcribe, and organize meetings using artificial intelligence technology. The Platform allows users to:

• Record audio and video from live meetings through video conferencing integrations
• Upload previously recorded meeting audio and video files
• Generate automated transcriptions using third-party AI services
• Create meeting summaries, minutes, and searchable transcripts
• Store, organize, and share meeting content
• Edit and collaborate on transcripts

(collectively, the "Purpose")

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The Platform is intended for business and professional use only.

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2. RECORDING CONSENT AND LEGAL COMPLIANCE

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2.1 Your Legal Obligations

CRITICAL REQUIREMENT: You are solely responsible for ensuring that you have all necessary legal rights and consents to record, upload, and transcribe meetings using MinutesIQ.

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You represent and warrant that:

• You will obtain all required consents from meeting participants before recording any meeting
• You understand and comply with all applicable recording consent laws in your jurisdiction
• You will not use the Platform to record conversations where recording is prohibited by law
• You will provide clear notice to all meeting participants that recording is taking place
• You understand that recording laws vary by jurisdiction and may require all-party consent

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2.2 Recording Consent Laws

Recording consent requirements vary significantly by jurisdiction:

• Canada: Generally requires all-party consent for private communications in most provinces
• United States: Requirements vary by state (one-party vs. all-party consent)
• European Union: GDPR and national laws impose strict requirements
• Other jurisdictions: Laws vary globally

You are solely responsible for understanding and complying with all applicable laws.

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2.3 Platform Tools

MinutesIQ may provide tools to assist with consent notifications (such as recording indicators or consent prompts), but:

• These tools do not constitute legal advice
• They do not guarantee legal compliance
• You remain solely responsible for obtaining proper consent
• You must independently verify legal requirements in your jurisdiction

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2.4 Consequences of Non-Compliance

Failure to obtain proper recording consent may result in:

• Civil liability
• Criminal penalties
• Violation of privacy laws
• Breach of these Terms and Conditions
• Immediate termination of your account

We strongly recommend consulting with legal counsel regarding your recording obligations.

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3. ACCESS TO THE PLATFORM

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3.1 Availability

Although we aim to make the Platform available at all times, we cannot guarantee that you will have uninterrupted access to it. We may disable the Platform from time to time for maintenance, updates, or other reasons.

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The Platform may be modified, updated, interrupted, suspended, or discontinued at any time without notice or liability.

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3.2 Device Compatibility

MinutesIQ cannot and does not make any representations or warranties regarding the devices you use to access the Platform, including with respect to device compatibility, operating systems, browsers, or internet connectivity.

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3.3 Termination of Access

We may, at our sole discretion, interrupt or cancel your access to all or part of the Platform for any reason, including, without limitation:

• Failure to comply with these Terms and Conditions
• Failure to pay applicable fees
• Suspected fraudulent, abusive, or illegal activity
• Violation of recording consent laws
• Unauthorized use or sharing of the Platform

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4. USER ACCOUNT

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4.1 Account Creation

To use the Platform, you must create a user account. You warrant that:

• All information you provide is valid, accurate, and complete
• You will update your information promptly if it changes
• You are at least 18 years of age (or the age of majority in your jurisdiction)
• You have the legal capacity to enter into this agreement

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4.2 Account Security

You are responsible for:

• All activities that occur under your account
• Maintaining the confidentiality of your password
• All actions taken using your account credentials
• Immediately notifying us of any unauthorized access

You may not:

• Share your account with any other person
• Allow others to use your account credentials
• Create multiple accounts for the same individual

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4.3 Third-Party Authentication

If you use a third-party service to authenticate yourself to the Platform (such as Google, Microsoft, or SSO providers), data may be shared with the operator of that service according to their privacy policy.

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5. INTELLECTUAL PROPERTY

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5.1 Platform Ownership

Solution Panorama remains the owner or licensee of all right, title, and interest in and to the Platform, including:

• The MinutesIQ software, code, and technology
• The Platform interface and design
• All intellectual property rights therein
• Trademarks, logos, and branding

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5.2 Restrictions on Use

You may not:

• Modify, copy, distribute, transmit, display, perform, reproduce, publish, license, or sell any part of the Platform
• Reverse engineer, decompile, or disassemble the Platform
• Access or copy the Platform's source code
• Create derivative works based on the Platform
• Remove or alter any copyright, trademark, or proprietary notices
• Use any photos, text, logos, or trademarks from the Platform without prior written consent

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5.3 Your Meeting Content

You retain all ownership rights to your meeting content, including:

• Audio and video recordings you upload or record
• Transcripts generated from your meetings
• Notes, comments, and edits you create
• Meeting metadata and organizational information

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5.4 AI-Generated Content

Transcripts and summaries generated by AI from your meeting content remain your exclusive property.

However, you acknowledge that:

• Transcriptions are generated using third-party AI services
• These AI services process your content according to their own terms
• AI-generated content may contain errors, inaccuracies, or omissions
• You are responsible for reviewing and verifying AI-generated content

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5.5 Use of Aggregated Data

MinutesIQ reserves the right to use aggregated and anonymized data for:

• Service improvement and development
• Statistical analysis and research
• Platform optimization

This aggregated data:

• Excludes any personally identifiable information
• Excludes any confidential meeting content
• Cannot be traced back to individual users or organizations

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6. LIMITED LICENSE

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6.1 License Grant

We grant you a limited, revocable, non-transferable, non-sublicensable, and non-exclusive license to:

• Access and use the Platform for the Purpose
• Use the Platform on devices under your control
• Use the Platform in accordance with these Terms and Conditions

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6.2 Documentation

You may reproduce Platform documentation solely for the purpose of assisting you in using the Platform. We make no warranties about the accuracy or completeness of documentation.

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6.3 AI Functionality Disclaimer

IMPORTANT: You acknowledge and agree that: AI transcription is not 100% accurate. The AI-powered features of the Platform:

• Are provided for assistance purposes only
• May contain errors, inaccuracies, omissions, or biases
• May misidentify speakers
• May incorrectly transcribe technical terms, names, or specialized vocabulary
• May be affected by audio quality, accents, background noise, or other factors

You are fully responsible for:

• Reviewing all AI-generated content for accuracy
• Verifying important information in transcripts
• Correcting any errors or inaccuracies
• Decisions made based on AI-generated content
• Ensuring transcripts meet your quality standards

MinutesIQ accepts no liability for errors, omissions, or inaccuracies in AI-generated content.

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7. THIRD-PARTY AI SERVICES

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7.1 Use of Third-Party AI Providers

MinutesIQ uses third-party artificial intelligence services to process your meeting recordings and generate transcriptions. These providers include Google, Deepgram and Cloudflare.

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7.2 Transmission of Your Content

By using MinutesIQ, you acknowledge and consent that:

• Your meeting audio and video files will be transmitted to third-party AI providers
• These providers will process your content according to their own terms of service and privacy policies
• MinutesIQ has no control over how these providers process your data beyond contractual agreements
• You are responsible for reviewing the terms and privacy policies of these AI providers

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7.3 AI Provider Terms

Your use of MinutesIQ's transcription features is also subject to the terms of service and privacy policies of our AI providers. You agree to comply with their terms.

Links to AI provider terms:

• Google Cloud Service: https://cloud.google.com/termshttps://cloud.google.com/terms
• Deepgram: https://deepgram.com/terms
• Cloudflare: https://www.cloudflare.com/en-ca/website-terms/

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7.4 Data Retention by AI Providers

AI providers may retain your meeting content according to their own data retention policies. For information about how long your data is retained, please refer to:

• Our Privacy Policy: minutesiq.com/privacy
• Individual AI provider privacy policies (linked above)

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7.5 No Warranty for AI Services

MinutesIQ does not warrant, control, or guarantee:

• The accuracy of AI-generated transcriptions
• The availability or uptime of third-party AI services
• The security practices of AI providers
• The legal compliance of AI providers in all jurisdictions

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8. VIDEO CONFERENCING INTEGRATIONS

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8.1 Third-Party Platforms

MinutesIQ integrates with third-party video conferencing platforms such as:

• Zoom
• Microsoft Teams
• Google Meet

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8.2 Integration Authorization

By connecting MinutesIQ to a video conferencing platform, you:

• Authorize MinutesIQ to access meeting recordings and metadata
• Grant MinutesIQ permissions as defined by the platform's API
• Acknowledge that data sharing is governed by both MinutesIQ's and the platform's terms and privacy policies

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8.3 Platform Responsibilities

You are responsible for:

• Configuring recording settings in your video conferencing platform
• Ensuring participants are notified of recording (per platform requirements)
• Understanding the recording consent requirements of each platform
• Managing permissions and access controls

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8.4 Platform Changes

Video conferencing platforms may change their APIs, features, or terms at any time. MinutesIQ is not responsible for:

• Changes to third-party platform functionality
• Interruptions in integration capabilities
• Loss of access to recordings due to platform changes

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9. PERSONAL DATA AND PRIVACY

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9.1 Privacy Policy

We collect certain data through the Platform, including personal information about users and meeting participants.

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To use the Platform, you must consent to the collection, processing, and disclosure of personal data in accordance with our Privacy Policy available at: minutesiq.com/privacy

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By accepting these Terms and Conditions, you declare that you have read and understood the Privacy Policy.

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9.2 Your Obligations as Data Controller

When you use MinutesIQ to record and transcribe meetings, you act as a data controller for meeting participant information.

You are responsible for:

• Obtaining necessary consents from meeting participants
• Complying with applicable privacy and data protection laws
• Providing participants with privacy notices
• Handling data subject requests (access, deletion, etc.)
• Ensuring lawful processing of participant data

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9.3 Data Processing Agreement

For enterprise customers, a separate Data Processing Agreement (DPA) may be required under applicable privacy laws (such as GDPR or Quebec Law 25). Please contact us to execute a DPA if required.

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10. USER CONTENT AND RESPONSIBILITIES

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10.1 Ownership of Your Content

You retain all rights to the content you upload, record, or create using MinutesIQ, including:

• Meeting recordings (audio and video)
• Uploaded files
• Transcripts and notes
• Comments and edits

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10.2 License to Process Your Content

By uploading or recording content through MinutesIQ, you grant us a limited license to:

• Store your content on our servers
• Transmit your content to AI providers for transcription
• Process your content to provide Platform features
• Display your content within the Platform to authorized users

This license:

• Is limited to providing the Platform services
• Does not transfer ownership to MinutesIQ
• Terminates when you delete the content or close your account (subject to retention periods)

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10.3 Responsibility for Your Content

You are solely responsible for:

• The accuracy and legality of content you upload or record
• Ensuring you have rights to record and share meeting content
• Ensuring content does not violate third-party rights
• Ensuring content complies with applicable laws
• Any claims arising from your content

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10.4 Prohibited Content

You may not use MinutesIQ to record, upload, or share content that:

• Violates any law or regulation
• Infringes third-party intellectual property rights
• Contains malware, viruses, or malicious code
• Is defamatory, harassing, threatening, or abusive
• Violates privacy or recording consent laws
• Contains child sexual abuse material
• Promotes violence, terrorism, or illegal activities

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10.5 Content Removal

We reserve the right to remove any content that:

• Violates these Terms and Conditions
• Violates applicable law
• Is reported as problematic by users
• Poses security or legal risks

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11. SHARING AND COLLABORATION

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11.1 Sharing Controls

You control who can access your meeting recordings and transcripts. You may:

• Share specific meetings with individuals
• Invite team members to your organization
• Set permission levels (view, edit, admin)
• Revoke access at any time

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11.2 Shared Content Responsibility

When you share meeting content:

• You are responsible for ensuring recipients have appropriate consent to access the content
• You remain responsible for the content even after sharing
• Recipients may be subject to their own terms with MinutesIQ
• You should review recipients' permissions regularly

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11.3 Public Sharing

Exercise caution when sharing meeting content. Do not share:

• Confidential business information with unauthorized persons
• Personal information without proper consent
• Content containing sensitive or proprietary information
• Content where participants did not consent to wider distribution

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12. FEES AND PAYMENT

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12.1 Subscription Plans

MinutesIQ offers various subscription plans with different features and limitations. Fees, features, and limitations are described on our pricing page at: minutesiq.com/pricing

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12.2 Payment Terms

• Fees are charged in advance for subscription periods
• Payment is required to maintain access to the Platform
• We use third-party payment processors (fees may apply)
• All fees are non-refundable unless required by law

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12.3 Automatic Renewal

Subscriptions automatically renew unless you cancel before the renewal date. By subscribing, you authorize us to charge your payment method for renewal fees.

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12.4 Changes to Fees

We may change our fees at any time. For existing subscriptions:

• You will be notified at least 30 days before fee changes take effect
• Changes apply at your next renewal date
• You may cancel before the renewal date to avoid new fees

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12.5 Suspension for Non-Payment

If payment fails or your account is past due:

• Your access may be suspended or limited
• Your content will be retained for 30 days
• After 30 days, your content may be deleted
• You remain responsible for any outstanding fees

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13. DATA RETENTION AND DELETION

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13.1 Active Account Data

While your account is active, we retain:

• Your meeting recordings and transcripts (until you delete them)
• Account information
• Usage data and logs (per our Privacy Policy)

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13.2 Content Deletion

You may delete meeting recordings and transcripts at any time. When you delete content:

• It is immediately removed from your account
• It is permanently deleted from our systems within 30 days
• It may remain in backup systems for up to 90 days
• We will request deletion from AI providers (subject to their policies)

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13.3 Account Closure

If you close your account:

• You will have 30 days to download your content
• After this period, all content will be permanently deleted
• Some information may be retained for legal or business purposes (per Privacy Policy)
• Account closure does not relieve you of payment obligations

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13.4 Data Portability

You may export your data at any time in common formats including:

• Audio files (original recordings)
• Transcript files (PDF, TXT, DOCX)
• Meeting metadata (CSV, JSON)

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14. PROHIBITED USES

You may not:

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General Prohibitions:

• Use the Platform for any illegal purpose or in violation of these Terms
• Use the Platform in any manner that violates applicable laws or regulations
• Impose an unreasonable or disproportionately large load on Platform infrastructure
• Interfere with or disrupt the Platform or servers/networks connected to it

Content Prohibitions:

• Upload or record content that is unlawful, harassing, defamatory, abusive, threatening, harmful, vulgar, obscene, or otherwise objectionable
• Record conversations without proper consent
• Share content that infringes third-party intellectual property rights
• Upload content containing malware, viruses, or malicious code

Security Prohibitions:

• Attempt to gain unauthorized access to the Platform or related systems
• Reverse engineer, decompile, or disassemble the Platform
• Probe, scan, or test the vulnerability of the Platform
• Circumvent any security or authentication measures
• Access or copy the Platform's source code

AI and Automation Prohibitions:

• Use the Platform to train competing AI systems without consent
• Use AI features to create, share, or propagate illegal, defamatory, or misleading content
• Use AI to make automated decisions with legal or significant effects without human verification
• Attempt to manipulate or deceive the AI systems

Commercial Prohibitions:

• Resell, sublicense, or redistribute the Platform without authorization
• Use the Platform to provide services to third parties without permission
• Create a competing service using Platform features or AI outputs

Account Prohibitions:

• Share your account credentials with unauthorized persons
• Create multiple accounts to circumvent limits or restrictions
• Use another person's account without permission
• Impersonate any person or entity

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15. SECURITY AND DATA PROTECTION

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15.1 Our Security Measures

We implement reasonable security measures to protect your data, including:

• Encryption of data in transit and at rest
• Access controls and authentication
• Regular security assessments
• Monitoring for unauthorized access

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15.2 Your Security Responsibilities

You are responsible for:

• Protecting your account credentials
• Using strong, unique passwords
• Enabling two-factor authentication (if available)
• Promptly reporting suspected security incidents
• Securing devices used to access the Platform
• Controlling access to shared meeting content

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15.3 Security Incidents

If you suspect a security incident:

• Immediately change your password
• Contact us at support@minutesiq.com
• Review your account activity and shared content
• Notify affected meeting participants if required

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15.4 Our Incident Response

In the event of a data breach affecting your account:

• We will notify you as required by applicable law
• We will provide information about the incident
• We will take steps to mitigate harm
• We will cooperate with investigations as required

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16. SUGGESTIONS AND FEEDBACK

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16.1 Voluntary Submissions

If you choose to provide suggestions, feedback, ideas, or recommendations regarding MinutesIQ ("Feedback"), you acknowledge that such Feedback is provided voluntarily.

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16.2 Rights to Feedback

You hereby grant MinutesIQ:

• All right, title, and interest in the Feedback
• The right to use Feedback without restriction or compensation
• A worldwide, perpetual, irrevocable, royalty-free license to use, modify, and commercialize the Feedback

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16.3 No Confidentiality

You acknowledge that:

• Feedback does not contain confidential information of third parties
• We have no obligation of confidentiality regarding Feedback
• We may already be developing similar ideas
• We may use or disclose Feedback for any purpose
• You are not entitled to compensation for Feedback

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17. IMPROVEMENTS AND MODIFICATIONS

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17.1 Platform Ownership

MinutesIQ is the sole owner of all improvements, enhancements, or modifications to the Platform, whether:

• Made by MinutesIQ
• Suggested by users
• Developed based on user feedback

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17.2 Assignment of Rights

If you create any improvements or modifications to the Platform, you hereby:

• Assign all rights in such improvements to MinutesIQ
• Waive any moral rights in the improvements
• Agree not to make any claims to intellectual property rights in the improvements

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18. TERMINATION

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18.1 Termination by You

You may terminate your account at any time by:

• Using the account closure feature in the Platform
• Contacting support@minutesiq.com
• Canceling your subscription

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18.2 Termination by MinutesIQ

We may suspend or terminate your access immediately without notice if:

• You breach these Terms and Conditions
• You fail to pay applicable fees
• You engage in fraudulent, abusive, or illegal activity
• You violate recording consent laws or privacy laws
• We are required to do so by law
• Continuing your access poses security or legal risks

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18.3 Effect of Termination

Upon termination:

• Your right to access the Platform immediately ceases
• You must cease all use of the Platform
• You will have 30 days to download your content
• After this period, your content will be permanently deleted
• Provisions that by their nature should survive termination will survive

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18.4 Survival

The following provisions survive termination:

• Intellectual property rights
• Limitation of liability
• Indemnification
• Dispute resolution
• Payment obligations for services rendered

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19. EXTERNAL LINKS AND THIRD-PARTY SERVICES

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19.1 Third-Party Links

The Platform may contain links to third-party websites, applications, or services. We:

• Have no control over these third parties
• Are not responsible for their content, privacy practices, or terms
• Do not endorse third-party sites
• Provide links for convenience only

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19.2 Third-Party Integrations

MinutesIQ integrates with third-party services (video conferencing platforms, AI providers, cloud storage, etc.). Your use of these services is subject to their own terms and privacy policies.

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19.3 Your Responsibility

You are responsible for:

• Reviewing third-party terms and privacy policies
• Understanding how third parties use your data
• Managing connections and authorizations with third parties
• Any disputes with third parties

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20. DISCLAIMERS AND WARRANTIES

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20.1 NO WARRANTY - AS IS

USE OF THE PLATFORM IS AT YOUR OWN RISK. The Platform is provided "AS IS" and "AS AVAILABLE" without warranty of any kind, whether express, implied, or statutory.

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To the fullest extent permitted by law, MinutesIQ disclaims all warranties, including:

• Warranties of merchantability, fitness for a particular purpose, and non-infringement
• Warranties regarding accuracy, reliability, or completeness of content
• Warranties of uninterrupted or error-free service
• Warranties regarding security or absence of viruses

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20.2 AI Transcription Disclaimer

CRITICAL: MinutesIQ does not warrant that:

• AI transcriptions will be accurate, complete, or error-free
• Transcriptions will correctly identify all speakers
• Technical terms, names, or specialized vocabulary will be transcribed correctly
• Transcriptions will be suitable for legal, medical, or other specialized purposes

YOU MUST REVIEW ALL TRANSCRIPTIONS FOR ACCURACY.

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20.3 Recording Consent Disclaimer

MinutesIQ:

• Does not verify that you have obtained proper recording consent
• Does not authenticate user identities or recording permissions
• Does not guarantee compliance with recording consent laws
• Is not responsible for your failure to obtain proper consent

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20.4 Third-Party Services

MinutesIQ does not warrant:

• The availability, accuracy, or reliability of third-party AI services
• The security or privacy practices of third parties
• The compatibility or continued functionality of integrations
• The quality of results from third-party services

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20.5 Data Loss

While we implement backup systems, we do not warrant against data loss. You are responsible for:

• Maintaining your own backups of important content
• Regularly downloading critical meeting recordings and transcripts
• Accepting the risk of data loss

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21. LIMITATION OF LIABILITY

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21.1 Exclusion of Damages

TO THE FULLEST EXTENT PERMITTED BY LAW:

MinutesIQ, Solution Panorama Inc., and our employees, directors, officers, agents, and licensors SHALL NOT BE LIABLE for any:

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Direct damages, including:

• Loss of profits or revenue
• Loss of business or business opportunities
• Loss of data or content
• Cost of substitute services

Indirect, incidental, special, consequential, or punitive damages, including:

• Damages resulting from errors in transcriptions
• Damages from failure to obtain proper recording consent
• Damages from unauthorized access or data breaches
• Damages from Platform unavailability or interruptions
• Damages from third-party AI service failures
• Damages from reliance on AI-generated content
• Damages from integration failures
• Any other damages arising from Platform use

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21.2 Basis of the Bargain

These limitations apply:

• Regardless of the legal theory (contract, tort, negligence, strict liability, etc.)
• Even if MinutesIQ has been advised of the possibility of such damages
• Even if limited remedies fail of their essential purpose
• To the maximum extent permitted by applicable law

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21.3 Maximum Liability

In no event shall MinutesIQ's total aggregate liability exceed:

• The amounts you paid to MinutesIQ in the 12 months preceding the claim; or
• CAD $100

Whichever is greater.

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21.4 Sole Remedy

If you are dissatisfied with the Platform or any aspect of these Terms:

• Your sole and exclusive remedy is to discontinue using the Platform
• You may close your account and request a refund for unused subscription time (if applicable under our refund policy)

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21.5 Jurisdictional Limitations

Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, our liability is limited to the maximum extent permitted by law.

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22. INDEMNIFICATION

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22.1 Your Indemnification Obligation

You agree to indemnify, defend, and hold harmless MinutesIQ, Solution Panorama Inc., and our employees, directors, officers, agents, licensors, and service providers from and against any and all:

• Claims, demands, actions, or proceedings
• Damages, losses, liabilities, settlements, and expenses (including reasonable legal fees)

Arising from or related to:

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Your Use of the Platform:

• Your violation of these Terms and Conditions
• Your violation of any law or regulation
• Your violation of any third-party rights

Recording and Content:

• Your failure to obtain proper recording consent
• Your recording of meetings without authorization
• Content you upload, record, or share through the Platform
• Your infringement of third-party intellectual property rights
• Your violation of privacy or data protection laws

Third Parties:

• Claims by meeting participants regarding unauthorized recording
• Claims regarding accuracy of transcriptions
• Claims regarding data breaches or unauthorized access resulting from your actions

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22.2 Cooperation

You will:

• Cooperate fully with our defense of any claim
• Provide all information and assistance we reasonably request
• Not settle any claim without our prior written consent

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22.3 Control of Defense

We reserve the right to assume exclusive control of the defense of any claim subject to indemnification, at your expense.

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23. LEGAL ADVICE DISCLAIMER

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23.1 No Legal Advice

MinutesIQ and Solution Panorama Inc. are not a law firm and do not provide legal advice.

Your use of the Platform:

• Does not create an attorney-client relationship
• Does not constitute legal advice
• Should not be relied upon as legal advice

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23.2 Seek Legal Counsel

You agree that:

• All decisions regarding legal matters are your sole responsibility
• You will seek legal counsel licensed in your jurisdiction for legal matters
• You will consult with an attorney regarding recording consent requirements
• You will obtain legal advice regarding privacy and data protection compliance

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23.3 No Legal Guarantees

MinutesIQ does not guarantee that:

• Transcripts are suitable for legal proceedings
• The Platform complies with all legal requirements in your jurisdiction
• Recording through the Platform satisfies legal consent requirements
• Use of the Platform protects you from legal liability

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24. DISPUTE RESOLUTION

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24.1 Applicable Law

These Terms and Conditions and all related transactions shall be governed by and construed in accordance with:

• The laws of the Province of Quebec
• The laws of Canada applicable therein
• Without regard to conflict of law principles

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24.2 Jurisdiction

Any dispute, claim, or controversy arising out of or relating to these Terms and Conditions or the Platform shall be submitted to the exclusive jurisdiction of the courts of the Province of Quebec, sitting in the judicial district of Montreal.

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You irrevocably submit to the jurisdiction of these courts and waive any objection to venue or inconvenient forum.

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24.3 Class Action Waiver

To the extent permitted by law:

• You agree to resolve disputes individually, not as part of a class action
• You waive the right to participate in class actions or class arbitrations
• You waive the right to act as a class representative

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24.4 Time Limit for Claims

You must bring any claim arising from these Terms within one (1) year of the claim arising, or the claim is permanently barred.

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25. GENERAL PROVISIONS

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25.1 Entire Agreement

These Terms and Conditions, together with our Privacy Policy, constitute the entire agreement between you and MinutesIQ regarding the Platform and supersede all prior agreements and understandings.

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25.2 No Waiver

Our failure to enforce any provision of these Terms does not constitute a waiver of that provision or any other provision. No waiver shall be effective unless in writing and signed by MinutesIQ.

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25.3 Severability

If any provision of these Terms is found to be invalid or unenforceable:

• The invalid provision will be modified to achieve the intended purpose to the extent possible
• All other provisions remain in full force and effect

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25.4 Assignment

You may not assign or transfer your rights or obligations under these Terms without our prior written consent.

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We may assign our rights and obligations to any person or entity at any time without your consent, including:

• In connection with a merger, acquisition, or sale of assets
• To an affiliate or subsidiary
• To a successor entity

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25.5 Force Majeure

MinutesIQ is not liable for any failure or delay in performance due to circumstances beyond our reasonable control, including:

• Acts of God, natural disasters, or extreme weather
• War, terrorism, or civil unrest
• Government actions or legal restrictions
• Internet, telecommunications, or utility failures
• Third-party service provider failures
• Pandemics or public health emergencies

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25.6 Relationship

These Terms do not create any:

• Partnership, joint venture, or employment relationship
• Agency relationship (neither party is the agent of the other)
• Franchise or similar relationship

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25.7 No Third-Party Beneficiaries

These Terms are for the benefit of the parties only. No third party has any rights to enforce these Terms.

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25.8 Notices

Notices to You: We may provide notices to you:

• By email to the address associated with your account
• By posting on the Platform
• Through in-app notifications

You are responsible for ensuring your email address is current.

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Notices to MinutesIQ: You may provide notices to us:

• By email: support@minutesiq.com
• By mail: Solution Panorama Inc., 401, 417 Rue Saint-Pierre, Montréal, QC H2Y 2M4

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26. MODIFICATIONS TO TERMS

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26.1 Right to Modify

We may modify these Terms and Conditions at any time by:

• Posting the modified Terms on the Platform
• Updating the "Last Updated" date at the beginning of these Terms
• Notifying you via email (for material changes)

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26.2 Effective Date of Changes

Modified Terms become effective:

• On the date indicated in the "Last Updated" field; or
• 30 days after notice for material changes; or
• Immediately for legal or regulatory compliance

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26.3 Your Acceptance

Your continued use of the Platform after modifications take effect constitutes your acceptance of the modified Terms.

If you do not agree to modified Terms:

• You must stop using the Platform
• You may close your account
• You may be entitled to a prorated refund for unused subscription time

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26.4 Material Changes

For material changes that substantially affect your rights, we will:

• Provide at least 30 days' advance notice
• Send notice via email
• Display a prominent notice on the Platform
• Provide an opportunity to review changes before they take effect

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27. CONTACT INFORMATION

For questions, concerns, or notices regarding these Terms and Conditions:

Solution Panorama Inc.
401, 417 Rue Saint-Pierre
Montréal, QC H2Y 2M4
Canada

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Email: support@minutesiq.com
Website: minutesiq.com

For legal inquiries: legal@minutesiq.com

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28. LANGUAGE

These Terms and Conditions are provided in English and French. In case of any discrepancy between versions, the French version shall prevail.

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BY USING MINUTESIQ, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS.

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YOU SPECIFICALLY ACKNOWLEDGE YOUR RESPONSIBILITY TO OBTAIN PROPER RECORDING CONSENT FROM ALL MEETING PARTICIPANTS AND TO COMPLY WITH ALL APPLICABLE LAWS.