Billing, Subscriptions & Refund Policy

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 Enterprise+ and HOD Pro+ subscriptions (monthly, annual, per-location, and per-seat charges), HOD Run+ individual subscriptions (monthly and annual), My HOD+ memberships, manual investigation and review requests, optional add-ons (HOD Credit Checker, HOD Background Checker, HOD Certified), implementation and onboarding fees, account fees, upgrades, and any other paid feature, service, or charge on Hub or Dub.

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 U.S. state and territory, except only where a mandatory consumer-protection law of your state expressly and non-waivably requires otherwise, and only to the minimum extent that law requires.

If a HOD Enterprise+, HOD Pro+, or HOD Run+ 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.

0B. What each plan costs and what it grants

Pricing, eligibility, access level, and FCRA status for every plan sold by Hub or Dub. Current rates are always published on the pricing page.

No plan, tier, add-on, seat count, service level, or negotiated term sold by Hub or Dub reduces, waives, delays, or circumvents any right afforded to consumers under the Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.), Regulation V (12 C.F.R. Part 1022), or any other applicable federal or territorial law. HOD Enterprise+ is not an exception. Every consumer keeps the same rights to free file disclosure, dispute, reinvestigation, correction, deletion of unverifiable information, notice of adverse action, and a record of who accessed their file, regardless of which plan the requesting party holds or how much that party pays.

Consumers are never charged to view their own HOD Score, to obtain a file disclosure required by law, to file a dispute, or to have a disputed item reinvestigated. No subscription, cancellation, non-payment, or refund outcome affects those rights.

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 U.S. dollars. Prices are exclusive of applicable sales tax, digital services tax, and comparable taxes, which are added at checkout where required. You are responsible for any tax not collected by us and for any withholding required by your state.

1A. Current plan pricing

My HOD+ is $4/mo or $40/yr per person. HOD Run+ is $20/mo or $200/yr per person. HOD Pro+ is $400/mo or $4,000/yr per location + $40/mo or $400/yr per user. HOD Enterprise+ is $800/mo or $8,000/yr per location + $80/mo or $800/yr per user. HOD Credit Checker and HOD Background Checker are each $200/mo or $2,000/yr per location, are independently selectable, and are billed as separate recurring subscription components. HOD Certified is $6,000/yr per location. Every plan is charged at its full recurring price from the first charge on your selected interval, and annual billing is charged at the full published annual price with no annual discount or promotional reduction. There is no free trial and no introductory offer on any plan.

1B. Eligibility restrictions

HOD Credit Checker and HOD Background Checker may be purchased only by accounts with an active HOD Run+, HOD Pro+, or HOD Enterprise+ subscription. Free accounts and My HOD+ subscribers are not eligible. HOD Certified is available to business accounts only and may be purchased only by accounts with an active HOD Pro+ or HOD Enterprise+ subscription; availability is automatically disabled if that underlying subscription becomes inactive. Eligibility is enforced server-side and recalculated whenever a subscription is upgraded, downgraded, cancelled, changes billing frequency, or changes location or team-member quantities.

1C. Reporting submissions are free

Submitting a HOD Drop is free for every user and every account type, including free accounts, whether the HOD Drop concerns the submitting user or another person or business. There is no submission fee, credit requirement, subscription requirement, or payment requirement of any kind. Standard review takes up to 14 calendar days. Review may take longer where additional verification, documentation review, fact checking, evidence validation, identity confirmation, or location-specific compliance review is required. The 14-day period is a target, not a guaranteed completion deadline.

2. Payment authorization

Free accounts are not required to provide a payment method and will not be asked for one. Every account with a paid subscription must keep a valid credit or debit card on file at all times for automatic recurring billing. A valid payment method is required before a paid subscription activates. If a paid subscriber removes or invalidates their only payment method, we will notify them that a valid card is required and start the applicable billing-management or subscription-status workflow rather than letting an unpaid subscription continue.

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 and comparable state 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 (where applicable under state law)

If a mandatory consumer-protection law of your U.S. state provides a non-waivable right of withdrawal or cancellation, you may exercise that right by notifying us in writing at billing@hubordub.com within the period required by that law. If you request that the Services begin during any such 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. Promotions and boosts

Hub or Dub does not offer free trials or introductory pricing on any plan. Every plan, including My HOD+, HOD Run+, HOD Pro+, and HOD Enterprise+, bills at the full recurring price from the first charge on the selected billing interval. Annual billing is charged at the full published annual price with no annual discount or promotional reduction. Optional add-ons, upgrades, and supplemental services bill at their standard rate from the date of activation. All charges are 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.