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Hub or DubHub or Dub™
Terms of Service

Terms of Service

These Terms of Service (the “Terms”) form a binding legal agreement between you and Hub or Dub Inc. (“Hub or Dub,” “HOD,” “we,” “us,” or “our”) governing your access to and use of the Hub or Dub platform, HOD Engine, HOD Reports, HOD Scores, HOD Certificates, the HOD Wallet, our websites, mobile applications, APIs, and all related services (collectively, the “Services”).

Effective July 5, 2026 · Version 2026-07-05.1 · Continuously reconciled against local law
Consumer reporting notice. Hub or Dub operates as a consumer reporting agency (“CRA”) as defined in Section 603(f) of the U.S. Fair Credit Reporting Act, 15 U.S.C. § 1681a(f), and as a comparable regulated data controller in other jurisdictions. Where an HOD Report meets the definition of a “consumer report,” it may be obtained and used only for a permissible purpose certified in writing under 15 U.S.C. § 1681b. Non-consumer-reporting uses are governed separately by Section 4 below.
Professional-only platform. Hub or Dub is a professional trust, verification, and reputation platform. Consumer accounts may view and monitor only their own claimed HOD Score and HOD Report and may not search for, access, or run HOD Scores or HOD Reports on any other person or business. Running HOD Reports on other people or businesses is restricted to verified HOD Pro+ business accounts, subject to identity verification, business verification, permissible-purpose certification, and audit logging. The HOD Pro+ subscription is $79.99/month or $799/year per business location, property, or operating workspace, plus $9.99/month or $99/year per user or team member seat, and includes unlimited HOD Report runs, monitoring, team collaboration, multi-location management, integrations, API, analytics, and other premium capabilities.

1. Eligibility, capacity, and identity verification

You must be at least eighteen (18) years old (or the age of majority in your jurisdiction, if higher) and legally capable of entering into a binding contract. You must not be barred from receiving the Services under the laws of your jurisdiction of residence or use, including U.S. sanctions programs administered by the Office of Foreign Assets Control (“OFAC”), the U.S. Department of Commerce Export Administration Regulations, EU and UK sanctions regulations, and equivalent frameworks. As part of account activation, you agree to complete identity verification, which may include document review, liveness detection, biometric comparison, address verification, and screening against sanctions and watchlists.

2. The Services and the real-time verification principle

Hub or Dub provides an evidence-based reputation intelligence platform. HOD Reports and HOD Scores are generated exclusively from (i) documented submissions accompanied by verifiable evidence, (ii) lawfully accessible public records and publications, and (iii) authoritative datasets that we license or lawfully collect. Every submission and material change is subject to mandatory manual verification by our Back Office review team before it is published or permitted to influence an HOD Score. Once verified, HOD Scores update in real time as new verified evidence is confirmed. Hub or Dub does not publish, display, or calculate scores from unverified claims, anonymous accusations, or speculative content.

3. Accounts and account security

  • You are responsible for all activity conducted under your account and for safeguarding your credentials.
  • One active device per account is permitted; a new sign-in ends other active sessions.
  • You must provide accurate, current, and complete information and keep it updated.
  • You must notify us promptly at security@hubordub.com of any known or suspected unauthorized access.
  • We may suspend or terminate accounts suspected of misuse, fraud, resale, unauthorized automated access, or violation of these Terms, at our sole discretion and without prior notice.

4. Consumer reporting vs. non-consumer-reporting use

The Services are used in two distinct capacities that carry different legal requirements:

  • Consumer reporting use. When an HOD Report is furnished to a third party for a purpose described in 15 U.S.C. § 1681b (including credit, insurance, employment, tenant screening, or written instructions of the consumer), the report is a “consumer report” and both Hub or Dub and the requesting party are bound by the FCRA and equivalent state statutes. The requesting party must certify the permissible purpose in writing, comply with all user obligations under 15 U.S.C. § 1681e(a), and issue any required adverse action notice under 15 U.S.C. § 1681m.
  • Non-consumer-reporting use. Personal, journalistic, safety, due-diligence, and public-interest uses that do not meet the FCRA definition of a “consumer report” are permitted subject to Sections 6 and 7 and to applicable non-FCRA law, including state privacy laws, the EU/UK GDPR, and comparable frameworks.

You are solely responsible for correctly classifying your intended use. HOD Engine continuously monitors query patterns, exports, and API traffic for signals of undisclosed regulated use and may block, throttle, or terminate access without prior notice.

5. Subscriptions, billing, renewal, cancellation, and refunds

Detailed billing terms are set out in the Billing, Subscriptions & Refund Policy, which is incorporated by reference. In summary:

  • HOD Score activation. HOD Score activation is free for every account. Activation is completed 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. Third parties are prohibited from activating or claiming a HOD Score on behalf of another verified identity.
  • Paid plans renew automatically at the then-current price and cadence until cancelled through your account or by written notice.
  • Fees are billed in advance, in the currency displayed at checkout, and are exclusive of applicable taxes, duties, and value added tax which are your responsibility.
  • Fees are non-refundable except (i) where required by applicable consumer law, including the EU Consumer Rights Directive 2011/83/EU, the UK Consumer Contracts Regulations 2013, and analogous statutes, and (ii) under the discretionary refund windows set out in the Billing Policy.
  • You authorize us and our payment processors to charge the payment method on file for all recurring and one-time charges, including retries following failed authorizations.
  • Promotional pricing, HOD Credits, and score-boost credits are non-transferable, have no cash value, and expire in accordance with the terms in effect at the time of purchase.
All purchases on Hub or Dub are final, non-refundable, and non-transferable. This applies to every charge on the platform, including report purchases (guest and account), HOD Pro+ subscriptions, activation and implementation fees, HOD Credits, account fees, add-ons, and any other paid feature. Once a purchase is completed it cannot be canceled, refunded, credited, exchanged, transferred to another person or account, or applied toward a future purchase, regardless of whether the report has been viewed, downloaded, or used. If a HOD Pro+ subscription is suspended, terminated, expires, or is canceled by either party, all unused HOD Credits are immediately forfeited on the effective date, have no cash value, and cannot be redeemed, refunded, transferred, or restored. This policy applies at all times, without exception. You must acknowledge and agree to these terms before completing any purchase or using any paid features on Hub or Dub.

5A. HOD Pro+ subscription fees and unused credits (final, non-refundable, non-transferable)

All fees paid for a HOD Pro+ subscription, including the monthly or annual base fee, per-location base fees, additional team-member seats, prepaid HOD Credits purchased against a HOD Pro+ workspace, and any add-on charges, are final, non-refundable, and non-transferable once charged, except where a mandatory consumer-protection law of your jurisdiction expressly requires otherwise.

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. The HOD Pro+ subscription itself is non-transferable and is tied to the verified business entity and workspace on file. This Section is a material term of the parties' agreement and is enforceable to the maximum extent permitted by applicable law.

6. Evidence-only publication and manual verification

Only documented submissions accompanied by verifiable evidence and lawfully accessible public findings are eligible to influence an HOD Report or HOD Score. Every submission passes through mandatory human review by our Back Office prior to publication. Approved findings are added in real time; disputed findings are withheld or removed pending resolution; and every action is written to an immutable audit log. Findings cited in a report are attributed to their underlying evidence, and opinions or inferences derived from that evidence are identified as such.

7. Dispute, correction, reinvestigation, and appeal rights

Every subject of an HOD Report has the right to submit a dispute, correction, mistaken-identity, source-removal, likeness, or copyright complaint through the Disputes, Corrections & Takedown Policy. Where the FCRA or an equivalent statute applies, we reinvestigate the disputed information within thirty (30) days (extended by up to fifteen (15) days if you submit additional information during that period) as required by 15 U.S.C. § 1681i. We provide the results of the reinvestigation, delete or modify inaccurate information, and, at your request, notify prior recipients of the corrected report. Continued good-faith accuracy allows scores to improve over time as verified evidence is added.

8. Adverse action and consumer disclosure obligations

Any business or individual that takes an adverse action against a consumer based in whole or in part on an HOD Report obtained for an FCRA-permissible purpose must provide the consumer with (i) notice of the adverse action, (ii) the name, address, and toll-free number of Hub or Dub, (iii) a statement that Hub or Dub did not make the decision and cannot provide the specific reasons for it, and (iv) notice of the consumer’s right to obtain a free file disclosure and to dispute the accuracy or completeness of the information, in accordance with 15 U.S.C. § 1681m. Users of HOD Reports must maintain records demonstrating compliance and produce them to Hub or Dub on request.

9. Permissible purpose certification and access control

Any user accessing an HOD Report for an FCRA-regulated purpose certifies in writing at each access, and reaffirms at each renewal, (i) the specific permissible purpose relied upon, (ii) the identity of the consumer or subject, (iii) the intended use, (iv) compliance with all federal, state, local, and international laws applicable to that use, and (v) that the user will use the information for no other purpose. Hub or Dub may audit compliance, require additional certifications, and revoke access for any actual or suspected misuse.

10. Acceptable use and prohibited conduct

You will not, and will not permit any person to:

  • Resell, sublicense, syndicate, white-label, mirror, or otherwise monetize the Services, HOD Reports, HOD Scores, HOD Certificates, or any output, in whole or in part, except under a written commercial agreement executed by Hub or Dub.
  • Use the Services to harass, stalk, threaten, defame, dox, blackmail, extort, discriminate against, or physically harm any person.
  • Submit false, fabricated, misleading, or unlawful content, impersonate another person, or misrepresent authority to act on behalf of any person or entity.
  • Scrape, harvest, mirror, reverse engineer, decompile, or attempt to derive the underlying datasets, models, prompts, embeddings, weights, prompts, or scoring methodology.
  • Interfere with, disrupt, probe, or circumvent any security, rate-limiting, authentication, or access control mechanism.
  • Use bots, scripts, or automated means to access the Services other than through our published APIs under an active written authorization.
  • Use the Services in violation of any applicable law, regulation, sanctions program, export control, anti-money-laundering requirement, or third-party right.

HOD Engine detects and flags violations in real time and may impose immediate suspension, termination, score adjustments, forfeiture of prepaid fees, permanent platform bans, restitution claims, civil action, and referral to law enforcement or regulators. Remedies are cumulative and non-exclusive.

11. Sanctions, export controls, and anti-money-laundering

You represent and warrant that you are not, and are not owned or controlled by, a person located in a comprehensively sanctioned jurisdiction or listed on the U.S. Specially Designated Nationals list, the U.S. Entity List, the UK Consolidated List, the EU Consolidated Financial Sanctions List, or any equivalent list. You will not use the Services in violation of applicable export controls or in furtherance of money laundering, terrorist financing, human trafficking, sanctions evasion, tax evasion, or any other financial crime. Hub or Dub may perform screening at account creation, periodically thereafter, and prior to any transaction, and may block, freeze, or terminate access based on the results.

12. HOD Wallet, credits, and financial disclosures

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. Refunds and credit adjustments are made in accordance with the Billing Policy and applicable consumer-protection law, including EU Directive 2011/83/EU, the UK Consumer Rights Act 2015, California Civil Code § 1749.5 for stored-value obligations, and comparable statutes worldwide.

13. Intellectual property

Hub or Dub, HOD Engine, HOD Report, HOD Score, HOD Certificate, and all associated marks, software, models, scoring methodologies, databases, and content are owned by Hub or Dub Inc. or its licensors and are protected by copyright, trademark, patent, trade secret, database, sui generis, and other intellectual property laws worldwide. Subject to your compliance with these Terms, we grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Services solely for their intended purpose. Alleged infringement of copyright in material appearing on our platform may be reported under the DMCA & Intellectual Property Policy.

14. Feedback

Any feedback, suggestions, or ideas you provide are non-confidential, and you grant Hub or Dub a perpetual, irrevocable, worldwide, royalty-free, sublicensable license to use, reproduce, modify, and exploit them without restriction or attribution.

15. Privacy, security, and data protection

Our collection, use, and disclosure of personal information are described in the Privacy Policy. Our administrative, technical, and physical safeguards, including encryption in transit and at rest, key management, access controls, logging, and independent testing, are described in the Security & Trust Standards. Our third-party processors are listed at Subprocessors. Our use of cookies and similar technologies is described in the Cookie Policy.

16. Warranty disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES, HOD ENGINE, HOD REPORTS, HOD SCORES, HOD CERTIFICATES, AND ALL OUTPUT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTY OF ANY KIND, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, COMPLETENESS, TITLE, QUIET ENJOYMENT, AND NON-INFRINGEMENT. HUB OR DUB DOES NOT WARRANT THAT OUTPUT IS ERROR-FREE OR THAT ACCESS WILL BE UNINTERRUPTED. AUTOMATED, EVIDENCE-DERIVED OUTPUT MAY CONTAIN OMISSIONS OR FALSE POSITIVES DESPITE MANUAL REVIEW. NOTHING IN THESE TERMS EXCLUDES OR LIMITS ANY WARRANTY OR LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

17. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, HUB OR DUB AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, AND SUPPLIERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR REPUTATION, ARISING OUT OF OR RELATED TO THE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS AND THE SERVICES WILL NOT EXCEED THE GREATER OF (A) AMOUNTS YOU PAID TO HUB OR DUB IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) USD $100. NOTHING IN THIS SECTION LIMITS LIABILITY FOR (I) FRAUD OR FRAUDULENT MISREPRESENTATION, (II) DEATH OR PERSONAL INJURY CAUSED BY NEGLIGENCE, (III) WILLFUL FCRA VIOLATIONS UNDER 15 U.S.C. § 1681n, OR (IV) ANY OTHER LIABILITY THAT CANNOT LAWFULLY BE LIMITED.

18. Indemnification

You will defend, indemnify, and hold harmless Hub or Dub and its affiliates, officers, directors, employees, and agents from and against any third-party claims, damages, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to (a) your access to or use of the Services, (b) your breach of these Terms or any law, (c) your violation of any third-party right, (d) any content you submit, or (e) any regulated or improper use of an HOD Report obtained through your account.

19. Force majeure

Neither party is liable for any failure or delay in performance (other than payment obligations) caused by events beyond its reasonable control, including acts of God, war, terrorism, civil unrest, cyberattack, denial-of-service, failure of the public internet, utility failure, epidemic, pandemic, labor dispute, governmental action, embargo, sanctions, or extreme weather.

20. Governing law, arbitration, and class action waiver

These Terms are governed by the laws of the State of Delaware, USA, without regard to conflict-of-laws principles, except that mandatory consumer-protection laws of your jurisdiction of residence continue to apply where they cannot be contractually waived. Any dispute arising out of or related to these Terms or the Services will be resolved by final and binding individual arbitration administered by JAMS in Wilmington, Delaware, under its Streamlined Arbitration Rules. You and Hub or Dub each waive any right to a jury trial and to participate in any class, collective, consolidated, or representative action.

Jurisdiction-specific exceptions. Nothing in this section (i) prevents either party from seeking injunctive or equitable relief in any court of competent jurisdiction for infringement or misappropriation of intellectual property or breach of confidentiality; (ii) requires consumers resident in the European Union, the European Economic Area, the United Kingdom, Switzerland, or any other jurisdiction that prohibits pre-dispute arbitration or class waivers for consumers to arbitrate a claim or waive class rights, and such consumers may bring proceedings in the courts of their place of residence; or (iii) limits the right of any consumer to complain to a data protection authority, consumer regulator, or ombudsman with jurisdiction over Hub or Dub. Users in California retain the right to opt out of arbitration by written notice to legal@hubordub.com within thirty (30) days of first accepting these Terms.

21. Suspension and termination

We may suspend or terminate your access at any time, with or without notice, for any reason, including suspected violation of these Terms, non-payment, sanctions or watchlist screening results, or a lawful order. You may terminate your account at any time through your account or by written notice. Sections that by their nature should survive termination will survive, including Sections 5 (final invoicing), 6, 7, 12, 13, 14, 16 through 24, and any other provision that expressly or implicitly survives.

22. Accessibility

Hub or Dub is committed to conforming the Services to Web Content Accessibility Guidelines (WCAG) 2.2 Level AA. Our accessibility statement, accommodations process, and contact channel are set out in the Accessibility Statement.

23. Children

The Services are not directed to, and we do not knowingly collect personal information from, individuals under the age of eighteen (18). If you believe we have inadvertently collected such information, contact privacy@hubordub.com and we will delete it in accordance with applicable law, including the Children’s Online Privacy Protection Act (15 U.S.C. § 6501 et seq.), the UK Age Appropriate Design Code, and the EU GDPR.

24. Regulatory cooperation and audit rights

We cooperate with regulators, supervisory authorities, and law enforcement acting under valid legal process. Business customers and API partners agree to reasonable audit rights sufficient to demonstrate compliance with FCRA permissible purpose obligations, sanctions screening, and data-protection commitments, on reasonable advance notice and subject to confidentiality.

25. Changes; severability; assignment; entire agreement

We may modify these Terms at any time. Material changes are announced through the Services and, where required, by email. Continued use after the effective date constitutes acceptance. If any provision is held unenforceable, the remaining provisions remain in full force. No waiver is effective unless in writing. You may not assign these Terms without our prior written consent; we may assign these Terms in connection with a merger, acquisition, or sale of assets. These Terms, together with the Terms of Use, Privacy Policy, and other policies referenced above, constitute the entire agreement between you and Hub or Dub regarding the Services and supersede all prior understandings.

26. Contact

Hub or Dub Inc., Legal Department, legal@hubordub.com. For consumer reporting rights, consumers@hubordub.com. For privacy requests, privacy@hubordub.com. For security matters, security@hubordub.com.