Terms of Service

Thub is operated by Shadrack, an individual developer in Tanzania ("Thub", "we", "us"). These terms form an agreement between you and us for the Thub mobile app (Android package info.thub.app) and the website thub.info (the "Service").

You must be at least 18 years old and able to enter into a binding contract to use Thub. By using the Service you confirm that you meet these requirements.

• Give accurate information and keep it up to date, including the phone number you verify by SMS.
• Keep your login details private. You are responsible for activity on your account.
• One person, one account. Do not impersonate anyone or create accounts for others.
• Tell us promptly at shadrackabely@gmail.com if you think your account has been compromised.

You keep ownership of what you post. You grant Thub a worldwide, non-exclusive, royalty-free licence to host, display, reproduce and distribute your content within the Service and in links shared from it, for as long as it remains on Thub.

You agree not to post or send content that:

• is unlawful, fraudulent, hateful, harassing, threatening or sexually explicit;
• promotes scams, pyramid or Ponzi schemes, or unlicensed investment or lending offers;
• shares someone else's personal or financial information without permission;
• infringes copyright, trademarks or other rights;
• is spam, misleading, or contains malware.

We may remove content or limit accounts that break these rules. Text is also checked automatically, and content that clearly breaks them may be blocked before it is published.

• Report any post, article, comment or account from its menu. Reports are confidential, and our moderators review every one.
• Block any account. You will no longer see each other's posts, articles or comments, and they are not told. Unblock at any time from Settings → Blocked accounts.
• We may act on a report by removing content, warning the author, or suspending or closing the account.

• Some articles, videos, courses and expert consultations are paid. Prices are shown in TZS before you pay.
• Premium content shows a free preview first, such as the opening of an article or the first part of a video, so you can decide before you buy.
• Purchases are one-time payments, not subscriptions, made with mobile money. Payments are processed through our payment provider, whose own terms also apply, and each purchase is recorded on your account.
• Paid content is licensed to you for personal, non-commercial use in the app. Do not copy, resell or redistribute it.
• Experts answering consultations are independent. Their answers are educational and subject to the disclaimer below.

Refunds. You are entitled to a refund if:

• you paid but the content did not unlock and we cannot fix it within 72 hours; or
• you paid for a consultation and it was not answered within the response time shown at purchase.

To request a refund, email shadrackabely@gmail.com with your transaction ID within 30 days of payment. Approved refunds are returned to the original payment method, usually within 14 days. Otherwise, purchases of digital content that has been delivered are non-refundable, except where the law requires.

Thub provides general financial education. Nothing on the Service is a recommendation to buy, sell or hold any product, or personalised financial, investment, tax or legal advice. Thub is not a bank, broker or licensed financial adviser. You are responsible for your own decisions; consult a licensed professional before acting.

You can stop using Thub and delete your account at any time from Settings → Delete account (see Delete account). We may suspend or close accounts that break these terms, put other users at risk or where we are required to by law. Sections that by their nature should survive termination (such as licences already granted, disclaimers and limitation of liability) will survive.

The Service is provided "as is" and "as available". We do not guarantee it will be uninterrupted or error-free, or that content from users or experts is accurate or complete.

To the maximum extent permitted by law, Thub is not liable for any indirect or consequential loss, or for financial losses resulting from decisions you make based on content in the Service. Our total liability to you for any claim is limited to the amount you paid us in the 12 months before the claim. Nothing in these terms limits rights you have under Tanzanian consumer law that cannot be excluded.

We may change or discontinue features and update these terms. We will post updates on this page with a new effective date and give notice in the app for material changes. Continuing to use Thub after changes take effect means you accept them.

These terms are governed by the laws of the United Republic of Tanzania. We will try to resolve any dispute informally first; if that fails, disputes will be handled by the competent courts of Tanzania.

Questions about these terms: shadrackabely@gmail.com.