Skip to main content
Hub or DubHub or Dub™
Cookies

Cookie Policy

This Cookie Policy explains how Hub or Dub uses cookies and similar technologies (pixels, local storage, SDKs) on our websites and applications, the categories of technologies in use, and how you can control them.

Effective July 31, 2026 · Version 2026-07-31.1 · Continuously reconciled against local law

1. What cookies are

Cookies are small data files stored on your device when you visit a website. We use both first-party and, where necessary, third-party cookies. Some cookies expire at the end of your browser session; others persist for a defined period.

2. Categories we use

  • Strictly necessary: required for authentication, session integrity, load balancing, fraud prevention, and security. Cannot be disabled through consent.
  • Functional: remember your preferences, language, and interface choices.
  • Analytics: help us understand how the Services are used so we can improve them. Set only with your consent where required by law.
  • Fraud and abuse prevention: detect automated activity, credential stuffing, and account takeover attempts.

We do not use cookies for cross-context behavioral advertising and do not sell personal information for monetary consideration.

3. Managing your preferences

Use the “Cookie settings” control in the site footer to review and change your preferences at any time. You can also block or delete cookies through your browser settings; note that disabling strictly-necessary cookies may prevent parts of the Services from functioning.

4. Nationwide Privacy Control

We honor a valid Sec-GPC signal from your browser as a request to opt out of sale, sharing, and targeted advertising for purposes of applicable U.S. state privacy laws.

5. Do Not Track

Because there is no consistent industry standard for Do Not Track signals, we do not respond to browser DNT signals as a general control, but we honor Nationwide Privacy Control as described above.

6. Changes

We may update this Cookie Policy from time to time. Material changes will be announced through the Services.

7. Contact

Questions about this Cookie Policy: privacy@hubordub.com.

Contact, consumer requests, and disputes

Hub or Dub Inc. is a U.S. consumer reporting agency operating in all 50 states and U.S. territories. Hub or Dub Inc., HOD Scoring & Reporting Inc., HOD Investigations Inc., HOD Clubs Inc., HOD Investments Inc., and HOD Technologies Inc. are all 100% owned and operated by Stutson Global Inc. under the Stutson Family Trust, a Nevada based irrevocable trust that is owned and controlled privately by the Stutson family. Hub or Dub operates independently as a private-sector organization and is not a government agency, government-sponsored entity, law-enforcement agency, or governmental representative. Hub or Dub Inc.'s National Headquarters is located at 101 6th Avenue, 9th Floor, New York, New York 10013, with remote operations across the United States and all U.S. territories. Hub or Dub Inc. is an independent private company and has no direct partnership, affiliation, endorsement, sponsorship, agency relationship, contractual relationship, or other formal relationship with any federal, state, local, territorial, or foreign government, government agency, governmental authority, or foreign governmental entity, unless expressly disclosed in writing by Hub or Dub.

No physical mail. Hub or Dub Inc. does not currently accept in-person visits to its National Headquarters. All inquiries must be submitted online through the appropriate channels provided. Customer support, identity verification, reporting, investigations, disputes, and service delivery are conducted remotely through Hub or Dub's approved digital channels. Physical mail, walk-ins, document drop-offs, and on-site appointments are not accepted and cannot be processed. Please scan and email all documentation to help@hubordub.com, or use secure upload and support ticketing inside your account. Hub or Dub does not provide telephone support or live chat. Please scan all documentation and email it to help@hubordub.com so it can be logged, verified, and tied to your file record.

Applicable compliance, security, and privacy commitments

Built for FCRA Compliance.
Hub or Dub operates as a consumer reporting agency under a written FCRA compliance framework covering permissible purpose, accuracy procedures, disclosures, disputes, and adverse action support. Read the policy.
U.S. Consumer Reporting Compliance.
Reports, disclosures, and reinvestigations follow documented consumer reporting procedures aligned with the FCRA and applicable state consumer reporting laws. Read the policy.
Consumer Rights Disclosure.
Your rights under the Fair Credit Reporting Act, including file access, disputes, and adverse action notices, are published in plain language. Read the policy.
Consumer Dispute & Correction Rights.
Any consumer can dispute information free of charge. Disputes are reinvestigated by a human reviewer and corrections are applied to the record. Read the policy.
Responsible Data Practices.
Data minimization, purpose limits, retention schedules, and documented subprocessors govern how information is collected and used. Read the policy.
We Do Not Sell Your Personal Data.
Hub or Dub does not sell personal information and does not share it for cross-context behavioral advertising. Read the policy.
Encrypted in Transit & at Rest.
Submissions, documents, and account data are encrypted in transit with TLS and encrypted at rest by our infrastructure providers. Read the policy.
SSL/TLS Secured Connection.
All traffic to Hub or Dub is served over HTTPS with modern TLS and HSTS. Plaintext connections are not accepted. Read the policy.

These indicators describe Hub or Dub's own published policies, procedures, and technical controls. They are self-attested and are not government certifications, licenses, accreditations, or endorsements. Hub or Dub is a private company and is not affiliated with any government agency.