Terms of Service

Last updated October 2025

1. Acceptance of Terms

By accessing or using IB Mock (the "Site" or "Service"), owned and operated by Fate Holdings LLC ("we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, please do not use the Service.

2. Account Registration & Termination

Users may create an account to access certain features. You agree not to share your account credentials with others or create multiple accounts to abuse any free trial or new user benefits. We reserve the right to terminate accounts at our discretion for violations of these Terms.

3. Payments and Refunds

  • Payments: Payments are processed through Stripe. Stripe securely stores information related to your checkout sessions and payments. Credits are delivered upon successful purchase and can be used once processed.
  • Credits: Credits are prepaid interview minutes that provide access to the Service. Credits have no cash value, are non-transferable, and are not redeemable or refundable for cash. Your account may hold a maximum balance of 600 minutes at any given time. We may block any purchase that would exceed this limit. If you are at or above this limit, please use your existing credits before purchasing additional packs.
  • Refunds: Due to the digital nature of our goods, all sales of credit packs are final. We do not offer refunds for used or unused credits except in rare cases and at our sole discretion.
  • Credit Usage: Credits are intended to be actively used for interview practice rather than accumulated indefinitely.
  • Credit Expiration: Credits are generally non-expiring. However, credits may expire in the following cases: (1) free trial minutes may expire, and (2) in the event of a product wind down as described in Section 8 (Service Termination).
  • Credit Balance Modifications: We reserve the right to modify an account's credit balance at our sole discretion without prior notice within good reason if we suspect abuse, fraud, or violations of these Terms.
  • Price Changes: Credit pack prices may change from time to time. Any changes will be reflected on the pricing page and will apply to future purchases.
  • Taxes: Prices shown exclude any taxes, levies and duties.

4. Use of Content & Service

The Service is for your personal use only. You may not copy, share, or redistribute the content outside of the Service. You may not use the Service for commercial purposes without our consent.

5. Recording & AI Processing Consent

By using the Service you consent to the recording of your voice, the generation of transcripts, and the automated analysis of your audio and transcript to provide interview feedback and related features.

You acknowledge that ElevenLabs (our voice technology provider) records the interview audio and generates the transcript, and stores both the interview recordings and the transcript on its systems on our behalf. We and our processors may store and process such data to operate, secure, and improve the Service. Do not use the Service if you do not consent to recording and automated processing.

6. Disclaimers & Experimental Nature of the Service

The Service is experimental and provided strictly on an "as is" and "as available" basis without warranties of any kind, whether express or implied, including but not limited to warranties of title, fitness for a particular purpose, and non-infringement. By using IB Mock, you acknowledge and agree that:

  • The AI may hallucinate, interrupt, fail to respond, or fail to speak.
  • The software may contain bugs, errors, or failures that prevent it from functioning correctly.
  • Feedback and evaluations are generated by AI and may contain inaccuracies or misinterpretations.
  • The Service is powered by ElevenLabs voice technology.
  • "Reported in Interviews" Questions: Certain questions on our Service may be labeled "Reported in Interviews." These questions have been self-reported by various individuals, and we cannot confirm whether these questions were actually asked in the reported firm's interviews. Such content is provided on an "as-is" basis and may not reflect any official materials used by those firms.
  • No Guarantee of Accuracy: While we strive to provide helpful content, we do not guarantee that the content is accurate or free from errors or inconsistencies. Any reliance on such information is at your own risk.
  • No Guarantee of Outcomes: We do not guarantee any particular outcome from your use of the Service. This includes, but is not limited to, success in any interviews, job applications, offers, or any other results. Your use of the Service is at your sole risk.
  • The Service depends on third-party providers (including but not limited to ElevenLabs, cloud and payment vendors). Outages or limitations at those providers may affect availability; our obligation is limited to reasonable efforts to restore service.

7. Modifications to the Service

We reserve the right to modify, suspend, or discontinue any part of the Service or these Terms at any time without prior notice. Your continued use constitutes acceptance of any changes.

8. Service Termination

In the event we decide to discontinue IB Mock, we'll provide at least 30 days' notice. During that period, we'll stop new sales and allow you to use any remaining minutes. After the notice period ends, any unused credits will expire and will not be refunded, except at our sole discretion.

9. Limitation of Liability

To the maximum extent permitted by law, Fate Holdings LLC, its owners, employees, partners, and affiliates shall not be liable for any direct, indirect, incidental, or consequential damages arising from or related to your use of or inability to use the Service, even if we have been advised of the possibility of such damages.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of laws principles.

11. Dispute Resolution

Any disputes arising under these Terms shall be resolved in the courts located in New York, New York, unless otherwise agreed to by the parties.

12. Account Termination

We reserve the right to terminate your account or access to the Service at any time for violations of these Terms or for any other reason at our sole discretion.

13. Indemnification

You agree to indemnify, defend, and hold harmless Fate Holdings LLC and its owners, employees, agents, and affiliates from any and all claims, liabilities, damages, losses, or expenses (including reasonable attorneys' fees and costs) arising out of your use of the Service, your violation of these Terms, or your infringement of any third-party rights.

14. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time without notice.

15. Privacy Policy

Your use of the Service is also governed by our Privacy Policy.

16. Contact Information

For questions about these Terms, please contact us at support@ibvine.io.