Terms of Service

We are Stub Holdings Limited (company number: 14323727) (“stub”) and these are the Terms of Service that you agree to when using the stub Platform and Services.

stub is a software platform (“Platform”) that offers functionality and data for managing your company’s finances, including through automated or AI-powered features for transaction categorisation, reconciliation, anomaly detection, document generation, natural-language search and summarisation (“Services”).

You must register an account to access and use the stub Platform and must keep your account information accurate (“Account”). stub is not a party to the contracts concluded directly between Users and we are not acting as an agent in any capacity for any User or third-party.

We maintain other terms and policies that supplement these Terms of Service, like our Privacy Policy, which describes inter alia our processing, collection and use of personal information/data.

The headings used in these Terms of Service are included for convenience only and will not limit or otherwise affect these Terms of Service.

Overview

This platform is operated by stub. Throughout these Terms of Service, “we”, “us”, “the Services” and “our” refer to stub and the Services we provide from time to time. stub offers the Platform, including all information, tools and Services available on the Platform to you, the “User”, conditioned upon your acceptance of these Terms of Service.

By using the Platform and/or the Services you agree to be bound by the following terms and conditions, including those additional terms and conditions and policies referenced herein and/or available by hyperlink (“Terms of Service”). These Terms of Service apply to all Users of the Platform, including Users who are browsers, vendors, customers, merchants, partners, third-party applications and/ or contributors of content (“you”, “your”, “yours”).

If you do not agree to all these Terms of Service, then you may not access the Platform or use any Services. If these Terms of Service are considered an offer, acceptance is expressly limited to these Terms of Service.

Any new features or tools which are added to the current Platform shall also be subject to the Terms of Service. You can review the most current version of the Terms of Service at any time on this page. We reserve the right to update, change or replace any part of these Terms of Service by posting updates and/or changes to the Platform. It is your responsibility to check this page periodically for changes. Your continued use of or access to the Platform following the posting of any changes constitutes acceptance of those changes. Where we make material changes to these Terms of Service, we will give you notice in accordance with the “Notices” section below.

Agreement

By agreeing to these Terms of Service, you represent and warrant that you have full legal capacity in your jurisdiction to enter into this User agreement.

You may not use the Platform for any illegal or unauthorised purpose nor may you, in using the Services, violate any laws in your jurisdiction (including copyright laws). If a User is acting on behalf of a company, the User represents and warrants to stub that the User has the authority to enter into these Terms of Service and that the execution, delivery and performance by User of these Terms of Service have been duly authorised by all necessary corporate action.

You must not transmit any worms or viruses or any code of a destructive nature on the Platform.

A breach or violation of any of the Terms of Service will result in an immediate termination of your access to the Platform and the Services.

These Terms of Service comprise:

1. this User agreement;
2. Privacy Policy – which sets out how we inter alia process collect, store and use your personal data/information in stub (a copy of which is available at https://stub.africa/resources/privacy-policy); and
3. Acceptable Use Policy – which sets out rules of good behaviour applicable to your use of the Services (a copy is available at https://stub.africa/resources/acceptable-use-policy).

General Conditions

We reserve the right to refuse your access to the Platform and/or rendering the Services to you for any reason at any time.

stub allows you to make available certain information, text, graphics, videos, location information, or other material, including any inputs you submit to our AI features on the Platform (such as prompts, instructions, and uploaded documents) and the outputs returned to you in response (“Content”). You are solely responsible for the Content that you transmit, post or send to other Users on the Platform, including its legality, reliability, and appropriateness. You understand that your Content, may be transferred unencrypted and involve (a) transmissions over various networks; and (b) save for credit card information, changes to conform and adapt to technical requirements of connecting networks or devices. Credit card information is always encrypted during transfer over networks.

You agree not to reproduce, duplicate, copy, sell, resell or exploit any portion of the Platform and/or the Services, use of the Services, or access to the Services, or any contact on the Platform through which the Services are provided, without express prior written permission by us.

Accuracy, Completeness and Timeliness of Information

We are not responsible if information made available on the Platform is not accurate, complete or current. The material on the Platform is provided for general information only and should not be used as the sole basis for making decisions without consulting primary, more accurate, more complete or more timely sources of information. Any reliance on the material on the Platform is at your own risk.

The Platform may contain certain historical information. Historical information, necessarily, is not current and is provided for your reference only. We reserve the right to modify such information at any time, but we have no obligation to update any such information on the Platform. You agree that it is your responsibility to monitor changes to the Platform.

AI-generated outputs (including transaction categorisations, draft documents, summaries, search results, and agent actions) are probabilistic outputs of machine-learning systems. They may be incomplete, inaccurate, biased, or wholly fabricated ("hallucinations"). You are solely responsible for reviewing and verifying any AI outputs. AI outputs do not constitute and must not be relied on as professional accounting, tax, audit, legal, or financial advice. For such advice you must consult a qualified professional.

Accounts

When you create an Account with us, you must provide us information that is accurate, complete, and current at all times. Failure to do so constitutes a breach of the Terms of Service, which may result in immediate termination of your Account. You agree to provide current, complete and accurate purchase and account information for all purchases made on the Platform. You agree to promptly update your Account and other information, including your email address and credit card numbers and expiration dates, so that we can complete your transactions and contact you as needed.

You are responsible for safeguarding the password that you use to access the Services and for any activities or actions under your Account, whether your password is with stub or a third-party service. You must enable multi-factor authentication on your Account where the Services make it available, and you must notify us immediately upon becoming aware of any unauthorised access to or use of your Account, of any compromise of your authentication credentials, or of any automated AI action that occurred without your authorisation.

You agree not to disclose your password to any third party. You must notify us immediately upon becoming aware of any breach or suspected breach of security or unauthorised use of your Account. You remain responsible for all use of your Account and the Services made using your credentials, whether or not you authorised that use, and we will not be responsible for any loss or damage arising from your failure to keep your credentials secure.

AI Features

The Services include AI-powered features ("AI Features") that use machine-learning models - including models operated by us and by third-party AI providers acting as our sub-processors, such as Anthropic, OpenAI, and Google - to process Content and generate outputs. The prompts, instructions, documents, and other materials you submit to AI Features are "Inputs" and the content generated by AI Features in response are "Outputs". Inputs and Outputs are Content for the purposes of these Terms of Service. By using AI Features you agree to the following:

(a) Permitted use

AI Features are provided to assist you with bookkeeping, accounting workflows, reconciliation, document generation, search, and similar tasks. You may use Outputs within your business in the ordinary course.

(b) No professional advice

Outputs do not constitute and must not be relied on as professional accounting, tax, audit, legal, or financial advice. Outputs may contain errors, omissions, biases, hallucinations or fabrications. You must review and verify all Outputs before acting on them and remain solely responsible for the accuracy of your books, records, tax filings, and decisions. We strongly recommend you obtain professional advice before acting on any Output for matters of legal, tax, or regulatory significance. You must not represent Outputs as the work of a human or as the advice of a qualified professional unless that human or professional has in fact reviewed and approved the Output in writing.

(c) Ownership

As between you and stub, you own the Outputs generated for you, subject to (i) our and our licensors' rights in the underlying models, software, system prompts, and any third-party content incorporated into the Output, and (ii) the rights of other users in their own Content. You acknowledge that Outputs are not unique - similar or identical Outputs may be generated for other users - and that Outputs may not be eligible for copyright or other intellectual-property protection in some jurisdictions.

(d) AI training

We will not use your Content in its raw, identifiable form to train our own or any third-party general-purpose AI model. We may use aggregated and de-identified data - meaning data from which all direct and indirect identifiers have been irreversibly removed - to improve, monitor, and benchmark AI Features. You may not use any Inputs, Outputs, or other Content or material obtained through the Services to train, fine-tune, evaluate, benchmark, or otherwise improve any AI model, algorithm, or system. This use is described further in our Privacy Policy.

(e) Automated actions taken on your behalf

Some AI Features can take actions on your behalf within the Services — for example, drafting invoices, posting journal entries, sending communications, initiating payment workflows where you have separately authorised payments, or performing other workflow actions. Before AI takes any such automated action, you choose the scope of authority you want to grant through the Services.

(i) Authorisation. Automated actions taken within the scope of authority you have set are deemed to be your actions for all purposes and bind you accordingly. You must not authorise AI to take any action you would not be lawfully entitled to take yourself.

(ii) Revocation. You may revoke or modify that authority at any time through the Services. Revocation takes effect prospectively and does not affect actions already taken.

(iii) Human oversight. We strongly recommend you maintain human review of material automated actions (such as posting journal entries, finalising tax submissions, sending payment instructions, or communicating with customers and suppliers). We may, in our discretion, require human confirmation for certain categories of automated action and may add or change such categories by giving you notice through the Services.

(iv) Liability. You are solely responsible for any loss, harm, damage or consequences of AI automated actions taken within the scope of authority you have granted, including any financial loss, regulatory consequence, or effect on third parties. We are not liable for AI automated actions you authorised.

(v) Suspension. We may suspend, limit, or revoke the ability of AI Features to take automated actions where we reasonably believe that they are being used in breach of these Terms of Service, are malfunctioning, are producing Outputs that pose risk to you, us, or third parties, or where required to comply with applicable law.

(f) Prohibited uses of AI Features

In addition to the prohibitions in the "Prohibited Uses" section below, you must not (i) attempt to reverse-engineer, extract weights from, or derive the training data of any model underlying the AI Features; (ii) submit Inputs intended to bypass safety, accuracy, or content-filtering controls (including prompt injection or jailbreaking attempts); (iii) use Inputs, Outputs, or other Content obtained through the Services to train, fine-tune, evaluate, benchmark, or otherwise improve any AI model; (iv) submit Content you are not lawfully entitled to submit, including third-party personal information you do not have a lawful basis to share; (v) misrepresent any Output as having been solely human-generated or as the advice of a qualified professional; (vi) use AI Features to generate content that is illegal, defamatory, infringing, deceptive (including deepfakes of identifiable persons), harassing, discriminatory, or otherwise in violation of applicable law (including the EU AI Act and any AI-specific legislation enacted in any jurisdiction in which you operate); or (vii) authorise AI Features to take any automated action you would not be lawfully entitled to take yourself.

(g) Service levels

AI Features depend on third-party model providers and may be unavailable, rate-limited, throttled, or degraded from time to time, including as a result of outages or policy changes by the underlying model provider. We do not warrant any specific level of AI Feature availability, latency, throughput, or accuracy.

Modifications to the Services and Prices

Prices for the Services are subject to change on 30 days’ notice to you in accordance with the “Notices” section below.

We reserve the right at any time to modify or discontinue the Services (or any part or content thereof) without notice.

We shall not be liable to you or to any third-party for any modification, price change, suspension or discontinuance of the Services.

Products or Services

We reserve the right, but are not obligated, to limit the rendering of the Services to any person, geographic region or jurisdiction. We may exercise this right on a case-by-case basis. We reserve the right to limit any Services that we offer. All descriptions of Service pricing are subject to change at any time in our sole discretion. We reserve the right to discontinue any Service at any time. Any offer for any product or Service made on the Platform shall be automatically revoked where prohibited by applicable law.

We do not warrant that the quality of any products, Services, information, or other material purchased or obtained by you will meet your expectations, or that any errors in the Service will be corrected.

Refunds

If 30 days have gone by since your purchase of any Services, we cannot offer you a refund.

Any request for a refund shall be reviewed by stub on a case-by-case basis and if it is approved by us, then your refund will be processed, and a credit will automatically be applied to your credit card or original method of payment.

Optional Tools

We may provide you with access to third-party tools over which we neither monitor nor have any control nor input, including (“Optional Tools”):

Payment links: stub collects payments on your behalf through third parties. Processing fees are payable by you and deducted from each payment before the remaining funds are transferred directly to your selected bank account within 3-5 business days.

Other services: Some of the Services, such as our payments or the multi-currency functionality, are available through other companies’ services, such as Paystack or XE.com. These companies may have additional terms that apply to you, such as the XE.com terms and conditions for the use of the XE Currency Data Feed service.

Bank Connections: stub does not store or use your user IDs, PINs, passwords and any other authentication information necessary to automatically and electronically collect your balances, transactions and other information necessary to provide the Services to you, from your bank /service providers’ websites and systems.

Yodlee and bank feeds: Your use of automated bank account feeds enabled by Yodlee from within the Services is subject to separate Yodlee terms. Bank feeds are generally included in the Growing Business Pro Plan but may have associated charges that we will pass on to you. You may discontinue the use of a bank feed at any time.

AI sub-processors: AI Features are delivered in part through third-party AI providers (currently Anthropic, OpenAI, and Google). Use of these AI Features is subject to these Terms of Service and the relevant sub-processor terms, which we ensure are no less protective than these Terms of Service in respect of your Content.

You acknowledge and agree that we provide access to the Optional Tools “as is” and “as available” without any warranties, representations or conditions of any kind and without any endorsement. We shall have no liability whatsoever arising from or relating to your use of Optional Tools.

Any use by you of Optional Tools offered through the Platform is entirely at your own risk and discretion and you should ensure that you are familiar with and approve of the terms on which such tools are provided by the relevant third-party provider(s).

We may also, in the future, offer new services and/or features through the Platform (including, the release of new tools and resources). Such new features and/or services shall also be subject to these Terms of Service.

Third-Party Links and Products

To help make your stub experience even better, the Platform includes apps and other products and services made available by trusted partners through the stub "Apps" section. Any third party providing a third-party product is a provider and is independent of us, so be aware that a provider may also charge you fees in addition to what you pay us.

Depending on your jurisdiction, you may be able to purchase the Services or third-party products through the stub “Apps” section. When you connect your subscription to an application, you’re responsible for paying all fees and taxes associated with your use of that application. You authorise us to process these payments for you using the payment method you provide to us. You may also purchase the Services through a third party in which case the payment terms and conditions may require you to pay them directly for the use of the Services.

Use of your data to connect you to third party products: If you choose to connect your subscription to third-party products, we will use your personal data/information for that connection. Where we receive such data as a result of that connection, we will use that data in line with these Terms of Service.

Payments to stub: Just so you know, some third-party providers may pay stub a fee that may be related to: referrals from stub; revenue made by the provider; or data that the providers access about you through the Services with your consent.

Third-party links on the Platform may direct you to third-party websites that are not affiliated with us. We are not responsible for examining or evaluating the content or accuracy and we do not warrant and will not have any liability or responsibility for any third-party materials or websites, or for any other materials, products, or services of third-parties.

We are not liable for any expense, loss, harm or damages related to the purchase or use of goods, Services, resources, content, or any other transactions made in connection with any third-party websites. Please review carefully the third-party's policies and practices and make sure you understand them before you engage in any transaction. Complaints, claims, concerns, or questions regarding third-party products should be directed to the relevant third-party.

User Comments, Feedback and Other Submissions

If, at our request, you send certain specific submissions (for example contest entries) or without a request from us you send creative ideas, suggestions, proposals, plans, or other materials, whether online, by email, by postal mail, or otherwise (collectively, “comments”), you agree that we may, at any time, without restriction, edit, copy, publish, distribute, translate and otherwise use in any medium any comments that you forward to us. We are and shall be under no obligation to: (i) maintain any comments in confidence, (ii) pay compensation for any comments, or (iii) respond to any comments.

We may, but have no obligation to, monitor, edit or remove content that we determine in our sole discretion are unlawful, offensive, threatening, libelous, defamatory, pornographic, obscene or otherwise objectionable or violates any party’s intellectual property or these Terms of Service.

You agree and warrant that your comments will not violate any right of any third-party, including copyright, trademark, privacy, personality or other personal or proprietary right. You further agree and warrant that your comments will not contain libelous or otherwise unlawful, abusive or obscene material, or contain any computer virus or other malware that could in any way affect the operation of the Service or any related website. You may not use a false email address, pretend to be someone other than yourself, or otherwise mislead us or third-parties as to the origin of any comments. You are solely responsible for any comments you make and their accuracy. We take no responsibility and assume no liability for any comments posted by you or any third-party.

Personal Data/Information

Your submission of personal data/information through the use of the Services is governed by our Privacy Policy.

Errors, Inaccuracies and Omissions

Occasionally there may be information on the Platform or in the Services that contains typographical errors, inaccuracies or omissions that may relate to product descriptions, pricing, promotions, offers, product shipping charges, transit times and/or availability. We reserve the right to correct any errors, inaccuracies or omissions, and to change or update information or cancel Services if any information in the Services or on any related website is inaccurate at any time without prior notice (including after you have activated your Account and/or subscription).

We undertake no obligation to update, amend or clarify information in the Services or on any related website, including pricing information, except as required by law. No specified update or refresh date applied in the Services, or on any related website, should be taken to indicate that all information in the Services or on any related website has been modified or updated.

Prohibited Uses

In addition to other prohibitions as set forth in the Terms of Service, you are prohibited from using the Platform, its content or the Services: (a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful acts; (c) to violate any international, federal, provincial or state regulations, rules, laws, or local ordinances; (d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others; (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability; (f) to submit false or misleading information; (g) to upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the Services or of any related website, other websites, or the internet; (h) to collect or track the personal data/information of others; (i) to spam, phish, pharm, pretext, spider, crawl, or scrape; (j) for any obscene or immoral purpose, as determined by us in our discretion; (k) to interfere with or circumvent the security features of the Services or any related website, other websites, or the internet; (l) to abuse and/or use the Service or any other stub system in an unreasonably excessive way; (m) in any way prohibited by the "AI Features" section of these Terms of Service; or (n) to upload personal data/information, payment card details, tax identifiers, or bank account details into any free-text or free-form field that is not specifically intended to capture that information. We reserve the right to terminate your use of the Services, Platform or any related website for violating any of the prohibited uses.

Intellectual Property Rights

The Platform and Services (and their entire content, features and functionality (including all information, software, text, displays, images, video and audio, and the design, selection and arrangement thereof)), are owned by stub, its licensors or other providers of such material and are protected by copyright, trademark, patent, trade secret and other intellectual property or proprietary rights laws.

Without limiting the generality of the foregoing, the machine-learning models, model weights, system prompts, retrieval indices, embeddings, evaluation datasets, and other proprietary materials used to operate the AI Features are the property of stub and/or its licensors. Nothing in these Terms of Service grants you any right, title, or interest in those materials, other than the limited right to use the AI Features in accordance with these Terms of Service.

Any unauthorised reproduction, distribution, derivative creation, sale, broadcast or other circulation or exploitation of the whole or any part of our intellectual property by you is an infringement of our rights.

Limitation of Liability

To the maximum extent permitted by applicable law, in no event shall stub, nor its directors, employees, partners, agents, suppliers, or affiliates (collectively, the “stub Affiliates”), be liable for any indirect, incidental, special, consequential or punitive damages, including loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Services and/or Platform; (ii) any conduct or content of any third party on the Platform or otherwise; (iii) any content obtained from stub, the Services and/or the Platform; and (iv) unauthorised access, use or alteration of your transmissions or content; (v) any Output (including any reliance on, or use of, any Output); or (vi) any automated action taken by AI Features within the scope of authority you granted, whether based on warranty, contract, delict (including negligence) or any other legal theory, and whether or not the stub Affiliates have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose.

Subject to the foregoing, the total aggregate liability of the stub Affiliates arising out of or in connection with these Terms of Service, the Platform and/or the Services in any 12-month period shall not exceed the fees actually paid by you to us for the Services in the 12 months preceding the event giving rise to the claim.

Disclaimer

Your use of the Services and the Platform are at your sole risk. The Services and the Platform are provided on an "as is" and "as available" basis. The Services are provided without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose.

stub does not warrant that (a) the Services and/or Platform will function uninterrupted, secure or available at any particular time or location; (b) any errors or defects will be corrected; (c) the Services and/or Platform is free of viruses or other harmful components; (d) the results of using the Services and/or Platform will meet your requirements; (e) AI Outputs will be accurate, complete, current, or fit for any particular purpose; (f) AI Outputs will not contain errors, biases, omissions, hallucinations or fabrications; or (g) AI Outputs generated for other users will not be similar or identical outputs generated for you. For the avoidance of doubt, you bear sole responsibility for verifying and deciding whether to rely on any AI Output.

Warranties

Although we will always try to ensure the Platform and the Services are available, both the Platform and the Services are provided “as is”. Subject to the Consumer Protection Act 68 of 2008 as read with its regulations (collectively the “CPA”), we make no warranties, representations, statements or guarantees (whether express, implied in law or residual) in this regard.

Subject to the CPA, we do not warrant that the Services and/or the Platform, and the information they contain, or any output generated by your use of the Services, or any alert, will –

• meet your requirements or expectations;
• be uninterrupted, timely, secure or error free;
• meet any particular measure of accuracy, completeness or reliability, performance or quality;
• be free of viruses or any other data or code which has the ability to corrupt or adversely affect the operation of your computer, data or network.

No information obtained by you from us and/or our authorised service providers through the Platform or from the Services will create any warranty by us or the service provider in question.

You warrant that -

• you are legally entitled to access the Platform and use the Services;
• you have, and will continue to have for the duration of the Terms of Service, all necessary rights, consents and authorisations to use the Service;
• you have capacity to be bound by the Terms of Service;
• you have all rights, consents and authorisations necessary to submit Content (including any third-party personal data/information) to AI Features and to authorise AI Features to take automated actions on your behalf; and
• you will review all AI Outputs before relying on them, and will not use AI Features or AI Outputs in any way that conflicts with these Terms of Service.

Indemnification

You agree to indemnify, defend and hold stub, including our parent, subsidiaries, affiliates, partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, and employees (collectively, the “Indemnified Party”), harmless from and against any loss, expense, liability, harm, claim or damage, including attorneys’ fees, suffered or incurred by an Indemnified Party and arising out of or in connection with (i) your breach of these Terms of Service, (ii) your breach of any data protection or processing obligations applicable to you or under the relevant data processing agreement (if applicable), (iii) your violation of any law or the rights of a third-party or (iv) your use of or access to the Platform and/or the Services.

Severability

In the event that any provision of these Terms of Service is determined to be unlawful, void or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these Terms of Service, such determination shall not affect the validity and enforceability of any other remaining provisions.

Events or circumstances beyond our control

If events or circumstances beyond a party’s reasonable control (“force majeure”) prevent a party (“Affected Party”) from fulfilling any of its obligations under these Terms of Service, those obligations will be suspended to the extent that and for as long as the Affected Party is so prevented.

If the force majeure continues for more than 45 days, the Affected Party can terminate the Terms of Service by giving written notice to the other party.

Force majeure includes an unavoidable natural catastrophe (“vis major”), an uncontrollable accident (“casus fortuitus”), any act of nature, strike, theft, riots, explosion, insurrection, war (whether declared or not), military operations, the downtime of any external telecommunications line, power failure, international restrictions, any requirement of any international authority, any requirement of any government or other competent local authority or any court order, and, in relation to stub specifically, any unavailability, suspension, or rate limiting imposed by a third-party AI model provider, any cybersecurity incident or denial-of-service attack affecting us or our sub-processors, any pandemic or epidemic, and any regulatory restriction or order (including under the EU AI Act or any other AI-specific legislation) preventing or materially restricting our ability to provide the Services.

Termination

All provisions of the Terms of Service which by their nature should survive termination shall survive termination, including, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

These Terms of Service are effective unless and until terminated by either you or us. You may terminate these Terms of Service at any time by notifying us that you no longer wish to use the Services, or when you cease using the Platform. Upon termination, your right to use the Services and the Platform will immediately cease. On termination we will, on your reasonable written request made within 30 days after termination, make available to you in a commonly used machine-readable format an export of your Content stored in the Services. After that period, we may delete your Content in accordance with our Privacy Policy, save where retention is required by law.

If, at any time, in our sole judgment you fail, or we suspect that you have failed, to comply with any term or provision of these Terms of Service, we may immediately terminate these Terms of Service without notice and you will remain liable for all amounts due up to and including the date of termination and we may deny you access to the Platform and/or the Services (or any part thereof).

Breach of these Terms

Should either party ("the Defaulting Party") breach these Terms of Service and fail to remedy the breach within 7 days of receiving written notice from the other party ("the Aggrieved Party"), the Aggrieved Party may, without prejudice to its other rights in law, terminate the Terms of Service or claim immediate specific performance of all of the Defaulting Party's obligations whether or not due for performance.

If we have reason to believe that you have, or you are likely to, use or allow another person to use the Services in breach of these Terms of Service, we may take such action as we reasonably deem appropriate including: immediate, temporary or permanent withdrawal of your right to use the Platform and/or the Services; immediate, temporary or permanent removal of any material contributed by you to the Services; institute legal proceedings against you; and/or disclosure of such information to law enforcement authorities or regulators, where applicable.

Entire Agreement

The failure of us to exercise or enforce any right or provision of these Terms of Service shall not constitute a waiver of such right or provision.

These Terms of Service and any policies or operating rules posted by us on the Platform or in respect to the Services constitutes the entire agreement and understanding between you and us and govern your use of the Services, superseding any prior or contemporaneous agreements, communications and proposals, whether oral or written, between you and us (including any prior versions of the Terms of Service).

Relationship between you and us

Nothing in these Terms of Service creates any partnership, joint venture, employment, franchise, or agency relationship between you and us. Neither you nor we may make any commitment or incur any obligation on behalf of the other unless expressly provided for in these Terms of Service. Where AI Features take automated actions on your behalf, they do so as a tool that you operate, authorise, and consent to, and not as our agent.

Interpretation

Any ambiguities in the interpretation of these Terms of Service shall not be construed against the drafting party.

When the words “including”, “include” or “in particular” are used in these Terms of Service, they are illustrative only and shall not limit the generality of any preceding words.

Assignment

You may not cede, assign, or otherwise transfer any of your rights or obligations under these Terms of Service without our prior written consent. We may cede, assign, or transfer our rights and obligations under these Terms of Service, including to another member of our group or to a person who acquires our business or assets, provided that doing so does not reduce your rights under these Terms of Service.

Notices

For any notices under these Terms of Service, we may give you any notice electronically, including by email to the address linked to your Account or by posting it on the Platform, and any such notice will be treated as received by you on the business day following the day that it is sent via email or posted on the Platform. You must keep your contact details up to date so that you receive these notices. Any notice you need to give us under these Terms of Service must be in writing and sent to the relevant email address indicated in the “Contact Information” section below.

Changes to Terms of Service

You can review the most current version of the Terms of Service at any time at this page.

We reserve the right, at our sole discretion, to update, change or replace any part of these Terms of Service by posting updates and changes to the Platform. It is your responsibility to check the Platform periodically for changes. Your continued use of or access to the Platform or the Services following the posting of any changes to these Terms of Service constitutes your acceptance of those changes.

Governing Law and Dispute Resolution

These Terms of Service and any dispute or claim arising out of or in connection with them (including non-contractual disputes or claims) are governed by and construed in accordance with the laws of England and Wales. The parties submit to the exclusive jurisdiction of the courts of England and Wales in respect of any such dispute or claim.

Contact Information

Questions about the Terms of Service should be sent to us at hi@stub.africa. Legal notices: legal@stub.africa. Privacy and data-subject requests: privacy@stub.africa. Security incidents and suspected unauthorised AI activity: security@stub.africa.