0A. All purchases are final, non-refundable, and non-transferable
All purchases on Hub or Dub are final, non-refundable, and non-transferable under all circumstances. This applies without exception to every charge on the platform, including but not limited to: HOD Pro+ subscriptions (monthly, annual, per-location, and per-seat charges), optional add-ons (Unlimited Credit Checks, Unlimited National & International Background Checks), self-report submission fees, implementation and onboarding fees, HOD Credits and prepaid balances, account fees, upgrades, and any other paid feature, service, or charge on Hub or Dub. HOD Pro+ subscribers can cancel anytime before the 7-day free trial ends to avoid being charged automatically.
Once a purchase is completed it cannot be canceled, refunded, credited, exchanged, transferred to another person or account, or applied toward any future purchase, regardless of whether the report has been viewed, downloaded, delivered, or used, and regardless of whether the subscription, credit, seat, location, or add-on has been consumed in whole or in part. This policy applies at all times and in every jurisdiction, except only where a mandatory consumer-protection law of your jurisdiction expressly and non-waivably requires otherwise, and only to the minimum extent that law requires.
If a HOD Pro+ subscription is suspended, terminated, expires, or is canceled for any reason, whether by the subscriber or by Hub or Dub (including cancellation for non-payment, breach of the Terms, chargeback, sanctions screening, or trust-and-safety action), all unused HOD Credits sitting in the affected workspace wallet are immediately forfeited as of the effective date of the suspension or cancellation. Forfeited credits have no cash value, cannot be redeemed, refunded, transferred, or restored, and will not carry over to any future subscription, workspace, replacement plan, or successor account, whether under the same ownership or otherwise. Reactivating the same workspace after forfeiture does not revive previously forfeited credits.
Every subscription, credit, seat, and license is non-transferable and is tied to the verified individual, business entity, workspace, or account on file. Balances, seats, and entitlements may not be moved to another user, workspace, account, or third party. You must acknowledge and agree to these terms before completing any purchase or using any paid features on Hub or Dub. This Section is a material term of the parties' agreement and is enforceable to the maximum extent permitted by applicable law.
0. HOD Score activation
HOD Score activation is free for every account. Activation completes after identity verification, is not a subscription, and does not recur. Where a verified identifier is already linked to an active HOD Score owned by the same verified account, the account is linked to the existing score instead. Third parties may not activate or claim a HOD Score on behalf of another verified identity.
1. Prices, currencies, and taxes
Prices are shown at checkout in your local currency where available. Prices are exclusive of applicable value added tax, goods and services tax, sales tax, digital services tax, and comparable taxes and duties, which are added at checkout where required. You are responsible for any tax not collected by us and for any withholding required by your jurisdiction.
2. Payment authorization
By providing a payment method, you authorize Hub or Dub and its payment processors to charge that method for all recurring and one-time fees, taxes, and any retries following a failed authorization. You represent that you are authorized to use the payment method and that the billing information is accurate.
3. Automatic renewal
Paid subscriptions renew automatically at the end of each billing cycle at the then-current price and cadence until cancelled through your account or by written notice to billing@hubordub.com. We will provide advance notice of material price changes and of upcoming renewals where required by law, including California Business & Professions Code § 17602, the EU Consumer Rights Directive, and comparable statutes.
4. Cancellation
You may cancel a subscription at any time through your account. Cancellation takes effect at the end of the current billing cycle unless a statutory right of withdrawal applies (see Section 5). Cancellation does not entitle you to a refund of fees already charged, except as required by law or as expressly stated in this Policy.
5. Statutory rights of withdrawal (EU, UK, and similar jurisdictions)
If you are a consumer resident in the European Union, the European Economic Area, the United Kingdom, or a jurisdiction with an equivalent statute, you have the right to withdraw from an online purchase within fourteen (14) days without giving any reason. To exercise this right, notify us in writing at billing@hubordub.com. If you request that the Services begin during the withdrawal period, you agree that once the Services are fully performed within that period, the withdrawal right no longer applies, and if performance is partial you owe a pro-rated amount for the portion delivered. Nothing in this Policy limits any statutory withdrawal, refund, or set-off right that cannot be contractually excluded.
6. Refunds
All purchases are final, non-refundable, and non-transferable as set out in Section 0A. We do not issue refunds, credits, exchanges, transfers, or carry-overs for any purchase on Hub or Dub, whether or not the report has been viewed, downloaded, or used, and whether or not the subscription, seat, credit, or add-on has been consumed. The only exceptions are (i) where a mandatory consumer-protection law of your jurisdiction expressly and non-waivably requires a refund and only to the extent that law requires, or (ii) a duplicate or clearly erroneous charge caused solely by our billing system, which we will reverse to the original payment method within ten (10) business days of confirmation. No other exceptions apply.
7. Chargebacks and disputes
If you dispute a charge with your bank or card network, please contact billing@hubordub.com first so that we can resolve the matter. Filing a chargeback for a charge you legitimately incurred is a breach of these Terms and may result in account suspension, forfeiture of prepaid credits, and referral to collections. We reserve the right to submit evidence, including logs and audit trails, to the card network in response to any chargeback.
8. HOD Wallet and credits
The HOD Wallet is a per-user, append-only credit ledger visible in your account. Credits purchased, granted, deducted, refunded, or otherwise adjusted are recorded in real time. Credits are not legal tender, are non-transferable except as expressly permitted, carry no interest, and expire according to the terms in effect at the time of purchase. Where required by law (including California Civil Code § 1749.5 for stored-value obligations), we honor cash-back rights for small remaining balances.
9. Business, API, and enterprise plans
Business and API plans may be governed by an executed order form or master services agreement that supersedes this Policy for the specific subject matter it covers. Unless otherwise agreed in writing, enterprise plans renew for successive terms of equal length and require written notice of non-renewal at least thirty (30) days before the end of the current term.
10. Failed payments and suspension
If a payment fails, we will retry in accordance with card-network rules and may suspend paid features until payment is received. Suspended accounts remain subject to the Terms and to our data-retention obligations as a consumer reporting agency.
11. Free trials, promotions, and boosts
Free trials and promotions are limited to one per verified individual or entity unless expressly stated, and apply solely to the HOD Pro+ base subscription. Free trials do not apply to add-ons; a paid plan is required for any add-on. Any add-on you activate (including, without limitation, Unlimited Credit Checks, Unlimited National & International Background Checks, the Verification Network add-on, or any other optional add-on) begins billing immediately at its standard paid rate on the date of activation, is not covered by any trial or promotional period, and is subject to the same final, non-refundable, non-transferable terms as every other charge on Hub or Dub. Promotional pricing reverts to standard pricing at renewal unless we notify you otherwise. Score-boost credits, referral rewards, and similar incentives are non-transferable, carry no cash value, and are governed by the terms displayed at the time of the offer.
12. Contact
Hub or Dub Inc., Billing, billing@hubordub.com.