Terms & Conditions

We are Stub Holdings Limited (Registration number: 14323727) and these are the Terms that you agree to when using the stub platform and Services.

stub is a platform that offers functionality and data for managing your company’s finances ("Services").

You must register an account to access and use stub and must keep your account information accurate. 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, like our Privacy Policy, which describes our collection and use of personal data.

The headings used in this agreement are included for convenience only and will not limit or otherwise affect these Terms

Overview

This platform is operated by stub. Throughout these terms, “we”, “us”, “the Service” and “our” refer to stub and the services we provide from time to time. stub offers this platform, including all information, tools and services available from this platform to you, the User, conditioned upon your acceptance of all terms, conditions, policies and notices stated here.

By using our platform you agree to be bound by the following terms and conditions (“Terms of Service”, “Terms”), including those additional terms and conditions and policies referenced herein and/or available by hyperlink. These Terms of Service apply to all Users of the platform, including without limitation Users who are browsers, vendors, customers, merchants, partners, third-party applications and/ or contributors of content.

If you do not agree to all the terms and conditions of this agreement, 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 our 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.

Agreement

By agreeing to these Terms of Service, you represent that you are at least the age of majority in your state or province of residence, or if you are underage you have received consent from your legal guardian, or that you are the age of majority in your state or province of residence and you have given us your consent to allow any of your minor dependents to use this platform.

You may not use our products for any illegal or unauthorised purpose nor may you, in the use of the Service, violate any laws in your jurisdiction (including but not limited to 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 this Agreement and that the execution, delivery and performance by User of this Agreement have been duly authorized by all necessary corporate action.

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

A breach or violation of any of the Terms will result in an immediate termination of our Services.

The Terms/Agreement comprises of: (a) this User Agreement; and (b) the following agreements generally applicable to Users of stub’s Services:

Privacy Policy – which sets out how we collect, store and use your Personal Information in stub; and
Acceptable Use Policy – which sets out rules of good behaviour applicable to your use of our Services

General Conditions

We reserve the right to refuse service to anyone for any reason at any time.

stub allows you to make available certain information, text, graphics, videos, location information, or other material ("Content"). You are solely responsible for the Content that you transmit, post or send to other Users on stub, including its legality, reliability, and appropriateness. You understand that your Content (not including credit card information), may be transferred unencrypted and involve (a) transmissions over various networks; and (b) 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 Service, use of the Service, or access to the Service or any contact on the platform through which the Service is provided, without express written permission by us.

Accuracy, Completeness and Timeliness of Information

We are not responsible if information made available on this platform is not accurate, complete or current. The material on this 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 this platform is at your own risk.

This 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 the contents of this platform at any time, but we have no obligation to update any information on our platform. You agree that it is your responsibility to monitor changes to our platform.

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, 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 our 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 Service and for any activities or actions under your password, whether your password is with stub or a third-party service.

You agree not to disclose your password to any third party. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.

Modifications to the Service and Prices

Prices for our Services are subject to change without notice.

We reserve the right at any time to modify or discontinue the Service (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 Service.

Products or Services

We reserve the right, but are not obligated, to limit the sales of our 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 without notice, at the sole discretion of us. We reserve the right to discontinue any Service at any time. Any offer for any product or Service made on this platform is void where prohibited.

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, 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.

Payment links: stub collects revenue on your behalf through third parties and charges a fee. Your funds will be transferred directly to your selected bank account within 3-5 business days.

Other services: Some of our 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 service 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 our 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.

You acknowledge and agree that we provide access to such 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 third-party 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 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 stub 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 region, you may be able to purchase our services or third-party products through the stub App 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 stub through a third party in which case the payment terms and conditions may require you to pay them directly for the use of the stub service.

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 for that connection. Where we receive data as a result of that connection, we will use that data in line with our privacy notice and these terms. As an example, if the third-party product is the iKhokha platform, our use of any data received from iKhokha APIs will also comply with iKhokha's Limited Use Requirements.

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 our services with your consent.

Third-party links on this 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 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 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 (1) to maintain any comments in confidence; (2) to pay compensation for any comments; or (3) to 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 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 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 e-mail 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 Information

Your submission of personal information through the use of the Service is governed by our Privacy Policy.

Errors, Inaccuracies and Omissions

Occasionally there may be information on our platform or in the Service that contains typographical errors, inaccuracies or omissions that may relate to product descriptions, pricing, promotions, offers, product shipping charges, transit times and 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 Service 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 Service or on any related website, including without limitation, pricing information, except as required by law. No specified update or refresh date applied in the Service or on any related website, should be taken to indicate that all information in the Service 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 or its content: (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 Service or of any related website, other websites, or the Internet; (h) to collect or track the personal information of others; (i) to spam, phish, pharm, pretext, spider, crawl, or scrape; (j) for any obscene or immoral purpose; (k) to interfere with or circumvent the security features of the Service or any related website, other websites, or the Internet; or (l) abuse and /or use the Service or stub system in an unreasonably excessive way. We reserve the right to terminate your use of the Service or any related website for violating any of the prohibited uses.

Intellectual Property Rights

The stub platform and Services (and its entire contents, features and functionality ((including but not limited to 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.

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

Limitation of Liability

In no event shall stub, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, 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 stub Services and/or platform; (ii) any conduct or content of any third party on stub; (iii) any content obtained from stub ; and (iv) unauthorized access, use or alteration of your transmissions or content, whether based on warranty, contract, delict (including negligence) or any other legal theory, whether or not we 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.

Disclaimer

Your use of stub’s Services and the platform is at your sole risk. stub is provided on an "AS IS" and "AS AVAILABLE" basis. stub is provided without warranties of any kind, whether express or implied, including, but not limited to, 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 stub Service and/or platform is free of viruses or other harmful components; or d) the results of using the stub Service and/or platform will meet your requirements.

Warranties

Although we will always try to ensure the Services are available, the Services are provided “as is”. Subject to the Consumer Protection Act 68 of 2008 as read with any of 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 Service and the information they contain, or any output generated by your use of the Service, 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 or from the Service will create any warranty by us or the service provider in question.

You warrant that -

you are legally entitled to access the Service and use the Service;
you have, and will continue to have for the duration of the Terms, all necessary consents to use the Service;
you have capacity to be bound by the Terms.

Indemnification

You agree to indemnify, defend and hold harmless stub and our parent, subsidiaries, affiliates, partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns and employees, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third-party due to or arising out of your breach of these Terms of Service or the documents they incorporate by reference, or your violation of any law or the rights of a third-party.

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 our reasonable control (“force majeure”) prevent either of us (“Affected Party”) from fulfilling any of our obligations, 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 fourteen days, the affected party can terminate the Terms by giving notice to the other.

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.

Termination

All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, 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 our Services, or when you cease using our platform. Upon termination, your right to use the stub Services will immediately cease.

If 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 also may terminate this agreement at any time without notice and you will remain liable for all amounts due up to and including the date of termination; and/or accordingly may deny you access to our Services (or any part thereof).

Breach of these Terms

Should either of us ("the Defaulting Party") breach these Terms of Service and fail to remedy the breach within seven 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 Service agreement 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 our Service in breach of our Terms of Service, we may take such action as we reasonably deem appropriate including: immediate, temporary or permanent withdrawal of your right to use our Service; immediate, temporary or permanent removal of any material contributed by you to our Service; legal proceedings against you; and/or disclosure of such information to law enforcement authorities or regulators, where applicable, as we reasonably consider is appropriate.

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 this platform or in respect to The Service constitutes the entire agreement and understanding between you and us and govern your use of the Service, superseding any prior or contemporaneous agreements, communications and proposals, whether oral or written, between you and us (including, but not limited to, any prior versions of the Terms of Service).

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

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 our platform. It is your responsibility to check our platform periodically for changes. Your continued use of or access to our platform or the Service following the posting of any changes to these Terms of Service constitutes acceptance of those changes.

Contact Information

Questions about the Terms of Service should be sent to us at hi@stub.africa