HOD Enterprise+ Subscriber Agreement

1. What HOD Enterprise+ includes

• Everything in HOD Pro+, delivered at the highest service level, with My HOD+ bundled for each seat;
• Enterprise-grade access to the HOD Score ecosystem and enhanced reporting for high-volume use;
• Unlimited on-demand manual investigation and review requests, at no additional charge;
• Manual document verification by the Investigation Team and expanded verification and review services;
• Centralized account management across locations, advanced administrative controls, and a full audit log;
• Priority handling on every matter and a dedicated priority support channel.

2. Service level changes nothing about consumer protections

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 the people and businesses Hub or Dub covers, or any applicable federal or territorial law. HOD Enterprise+ is not an exception. Every subject 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.

Enhanced reporting, unlimited investigations, priority handling, and administrative controls affect how your organization is served. They never expand what your organization is permitted to obtain, never shorten a consumer's dispute or reinvestigation rights, and never reduce the disclosures or adverse-action notices required before you act on a report.

3. Authorized Purpose Certification

Reports are furnished only where a documented and consented purpose exists. Every request on HOD Pro+ and HOD Enterprise+ requires a specific, recorded certification of purpose tied to the requesting seat, with IP address, timestamp, and user agent retained in the audit trail. Hub or Dub may audit certifications, decline requests, and suspend or terminate access for misuse. Requests without an authorized purpose are refused, and no plan can purchase an exemption from this requirement.

As a condition of HOD Enterprise+, your organization certifies that:

• Every request is preceded by a specific, recorded authorized-purpose certification;
• Where required by law, including for employment purposes, you obtain the subject's clear written authorization and provide the required standalone disclosure before requesting a report;
• Before taking adverse action based in whole or in part on a report, you provide the pre-adverse-action notice, a copy of the report, and a summary of the subject's rights, followed by a final adverse-action notice naming Hub or Dub, our contact information, and the subject's dispute rights;
• Where other applicable privacy or records statutes require an independent lawful basis for nonpublic personal information or motor-vehicle records, you hold that lawful basis separately;
• Reports are not resold or redisclosed except as permitted by law, and are disposed of securely and confidentially;
• Access is limited to authorized, authenticated, named seats, and credentials are never shared.

Hub or Dub may verify certifications, audit usage at any volume, decline any request, and suspend or terminate access for suspected misuse. Volume commitments do not limit these rights.

4. Accuracy, investigation, and dispute obligations

Hub or Dub follows reasonable procedures to assure maximum possible accuracy of the information in every HOD Report. Nothing enters an HOD Score or HOD Report until our Investigation Team verifies it against source evidence. When a subject disputes an item, we reinvestigate free of charge, generally within 30 days (45 days where the subject submits additional information during the period), record the results, correct or delete anything that cannot be verified, and notify the subject in writing. Items deleted or corrected are not reinserted unless the furnisher recertifies accuracy and we notify the subject.

Your organization must promptly notify Hub or Dub of any information you believe to be inaccurate, must not submit information you know or reasonably believe is inaccurate, and must cooperate with any reinvestigation that involves data your organization furnished. Consumers may dispute at any time through Disputes, corrections and takedowns at no cost, in any plan context.

5. Subject availability requirement

Reports may be run only on a person or business with an established HOD Score file tied to a verified SSN, ITIN, or FEIN. Where no file exists, the request is refused and you are prompted to invite the person or business to activate their HOD Score through a free Hub or Dub account.

6. Billing, seats, and locations

• HOD Enterprise+ is billed at $800/mo or $8,000/yr per location + $80/mo or $800/yr per user, at the rates published on the pricing page at the time of purchase or renewal;
• Unlimited manual investigation and review requests are included at no additional charge;
• Seats may be reassigned within your organization; simultaneous use of one seat by multiple people is prohibited;
• New subscriptions are charged in full at checkout. There is no free trial and no introductory offer on any plan;
• Subscriptions renew automatically until cancelled in your account or in writing to billing@hubordub.com. Cancellation takes effect at the end of the current paid term;
• Charges are final, non-refundable, and non-transferable as set out in the Billing, Subscriptions and Refund Policy, except where a mandatory consumer-protection law expressly requires otherwise.

7. Organizational responsibilities

• Designate administrators responsible for seat management, certifications, and compliance across all locations;
• Train every seat on authorized-purpose, disclosure, and adverse-action requirements before granting access;
• Maintain records of authorizations and adverse-action notices as required by law;
• Report suspected credential compromise or misuse immediately;
• Use reports only for the certified purpose, and only for the decision they were requested for.

8. Where HOD Enterprise+ sits among the plans

Plan descriptions, eligibility, access levels, authorized-purpose status, and billing across every Hub or Dub plan:

9. Suspension and termination

Hub or Dub may suspend or terminate HOD Enterprise+ access for misuse, missing or false certifications, unlawful or discriminatory use, non-payment, or trust-and-safety action. Termination does not affect any consumer's rights in their own file, which continue in full.

10. Availability

HOD Enterprise+ is offered in the United States and U.S. territories only, and is governed by applicable federal and territorial law.