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Hub or DubHub or Dub™
Terms of Use

Terms of Use

These Terms of Use describe the day-to-day rules that govern your interaction with the Hub or Dub platform, HOD Engine, HOD Reports, HOD Scores, HOD Certificates, HOD Wallet, our APIs, and every related surface. They supplement, and are incorporated by reference into, the Hub or Dub Terms of Service and Privacy Policy.

Effective July 5, 2026 · Version 2026-07-05.1 · Continuously reconciled against local law

1. Permitted use

The Services are licensed to you for lawful review, verification, dispute, and evidence-based reporting activity consistent with your certified permissible purpose. Use for any other purpose requires an executed written agreement with Hub or Dub.

2. Evidence-only submissions

Every submission you upload, whether a report, response, correction, or attachment, must be accompanied by verifiable evidence. Anonymous accusations, unsupported claims, opinions dressed as facts, deep-fakes, synthetic or machine-fabricated content, and any material you know or should know to be false are strictly prohibited and will be rejected at intake or removed on manual review. You warrant that you have the right to submit the material and that publication will not infringe third-party rights.

2A. HOD Score activation

HOD Score activation is free for every account and completes after identity verification. Activation 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 may not activate or claim a HOD Score on behalf of another verified identity.

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.

2B. 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 your HOD Pro+ subscription is suspended, terminated, expires, or is canceled for any reason, whether by you or by Hub or Dub, all unused HOD Credits in the affected workspace wallet are immediately forfeited on the effective date and have no cash value, cannot be redeemed, refunded, transferred, or restored, and will not carry over to any future subscription, workspace, or account.

3. Manual Back Office verification

All submissions and material changes pass through mandatory human review by our Back Office prior to publication. Approved findings publish in real time. Rejected submissions are returned with a reason and a right of appeal. Attempts to coerce, induce, bribe, or manipulate Hub or Dub personnel or systems to publish, alter, remove, or fabricate findings are a material breach of these Terms of Use and may result in immediate termination, forfeiture of fees, civil action, and referral to law enforcement.

4. Permissible purpose

Where you access an HOD Report about a natural person and your use meets the definition of a “consumer report” under 15 U.S.C. § 1681a(d), you must certify a permissible purpose under 15 U.S.C. § 1681b at the time of access, comply with all obligations of users of consumer reports under the FCRA and equivalent state and international laws, and issue any required adverse action notice. See the FCRA & CRA Compliance page for permissible-purpose categories, certification templates, and required disclosures.

5. Real-time updates

HOD Scores move in real time as newly verified evidence is confirmed by our Back Office. You will not represent an HOD Score as static, as of a fixed date, or as a scheduled snapshot; you will not disable, misrepresent, or obscure the update timestamp shown on any HOD Report you display, share, or redistribute for a permitted purpose.

6. Prohibited conduct

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

  • Resell, sublicense, syndicate, distribute, white-label, mirror, cache, or otherwise commercialize any portion of the Services or output, except under an executed written commercial agreement.
  • Use the Services or output for FCRA-regulated decisions (credit, insurance, employment, tenancy, government benefits) without first certifying a permissible purpose and complying with the applicable user obligations.
  • Use the Services or output to harass, stalk, defame, dox, threaten, blackmail, extort, discriminate against, or physically harm any person.
  • Submit 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, prompts, models, or scoring methodology.
  • Bypass, disable, or interfere with any security, authentication, rate-limit, sanctions screening, 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.
  • Circumvent identity verification, use another person’s identity, or maintain more than one account per verified individual without our express permission.
  • Use the Services in any manner that violates any law, sanctions program, export control, anti-money-laundering requirement, or third-party right anywhere in the world.

7. Automated abuse detection and enforcement

HOD Engine continuously monitors activity for signals of resale, monetization, fraud, abuse, coordinated inauthentic behavior, prohibited automation, sanctions violations, and undisclosed regulated use. When suspicious activity is detected, the system may in real time (a) flag the account, (b) open an internal case for Back Office review, and (c) suspend access, throttle features, or restrict specific capabilities. Enforcement decisions may take effect without prior notice. Appeals are handled through the Back Office.

8. Correction, dispute, and appeal

Every subject of an HOD Report may file a dispute, correction, mistaken-identity, source-removal, likeness, or copyright complaint under the Disputes, Corrections & Takedown Policy. Standard acknowledgment within two business days; standard decision within thirty (30) days (extended by up to fifteen (15) days if you supply additional information) as required by 15 U.S.C. § 1681i; urgent safety matters escalated within twenty-four (24) hours.

9. No accusatory labels without authoritative support

HOD Engine and our Back Office reviewers are configured to refrain from labeling any subject as “criminal,” “fraudulent,” “dangerous,” or with any similar accusatory or stigmatizing term unless the label is directly supported by an authoritative public record (court, regulator, sanctions authority, or equivalent governmental source) that is cited within the finding.

10. No implied endorsements; no celebrity likenesses

You will not submit, and Hub or Dub does not use, names, photographs, voices, signatures, or other likenesses of celebrities, public figures, or third parties in a manner that implies sponsorship, endorsement, affiliation, or partnership. This restriction is enforced across marketing surfaces, generated reports, and user-submitted content.

11. Public information and lawful authority

You acknowledge that Hub or Dub draws on lawfully accessible public records and lawfully licensed data from sources worldwide, and relies on legitimate-interest, public-interest, journalistic, research, and free-expression legal bases recognized in applicable law. You will not tamper with, mask, forge, or manipulate any source citation or evidence link in any report you display or share.

12. Your content and license grant

You retain ownership of content you submit. You grant Hub or Dub a worldwide, non-exclusive, royalty-free, sublicensable license to host, process, display, analyze, and use your submissions to operate, secure, verify, and improve the Services and to comply with legal obligations. This license survives termination for the limited purpose of retaining verified findings, dispute records, and audit trails as required by law.

13. Reporting concerns

Notices of alleged copyright infringement should be sent under the DMCA & Intellectual Property Policy. Reports of unlawful content, safety threats, or trust-and-safety issues may be sent to trust@hubordub.com. Vulnerability reports should follow the Security Trust Standards.

14. Suspension, termination, and consequences

Violations may result in immediate suspension or termination of access, forfeiture of prepaid fees, permanent platform bans, score adjustments, restitution claims, civil action, and referral to law enforcement or regulators. Remedies are cumulative and non-exclusive. Termination does not extinguish Hub or Dub’s statutory obligations as a consumer reporting agency to retain dispute records, source references, and audit trails.

15. Updates

We may update these Terms of Use at any time. Continued use after the effective date constitutes acceptance.

16. Contact

Hub or Dub Inc., Trust & Safety, trust@hubordub.com.