Terms of Service

Effective Date: January 1, 2026

Last Updated: January 1, 2026

These Terms of Service ("Terms") govern your use of the Compare Value Hub website and services operated by Compare Value Hub Ltd ("we," "us," or "our"). By accessing or using our services, you agree to be bound by these Terms.

1. Acceptance of Terms

1.1 Agreement

By accessing, browsing, or using our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.

1.2 Capacity

You represent that you are at least 18 years old and have the legal capacity to enter into these Terms. If you are under 18, you may use our services only with the involvement and consent of a parent or guardian.

1.3 Modifications

We reserve the right to modify these Terms at any time. We will notify users of material changes by posting updated Terms on our website. Your continued use of our services after such changes constitutes acceptance of the new Terms.

2. Description of Services

2.1 Educational Platform

Compare Value Hub is an educational platform that provides:

• Comparative analysis of software tools, learning platforms, and productivity applications
• Educational content based on publicly available information
• Research methodology and transparency information
• General information about various products and services

2.2 Nature of Content

Our content is provided for educational and informational purposes only. We do not:

• Provide professional advice or recommendations
• Guarantee the accuracy or completeness of information
• Endorse any particular products or services
• Act as an agent or intermediary for any transactions

3. User Responsibilities

3.1 Lawful Use

You agree to use our services only for lawful purposes and in accordance with these Terms. You must not:

• Violate any applicable laws or regulations
• Infringe on the rights of others
• Use our services for any commercial purpose without authorization
• Attempt to gain unauthorized access to our systems

3.2 Prohibited Activities

You must not engage in any of the following activities:

• Copying, reproducing, or distributing our content without permission
• Using automated systems to access or scrape our website
• Attempting to reverse engineer or hack our services
• Transmitting viruses, malware, or other harmful code
• Impersonating others or providing false information
• Interfering with the proper functioning of our services

3.3 User Content

If you submit content to us (such as feedback or comments), you grant us a non-exclusive, royalty-free license to use, modify, and display such content for our business purposes.

4. Intellectual Property Rights

4.1 Our Content

All content on our website, including text, graphics, logos, images, and software, is owned by Compare Value Hub Ltd or our licensors and is protected by copyright and other intellectual property laws.

4.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our website for personal, non-commercial purposes in accordance with these Terms.

4.3 Restrictions

You may not:

• Reproduce, distribute, or create derivative works from our content
• Use our content for commercial purposes without written permission
• Remove or alter any copyright or proprietary notices
• Use our trademarks or logos without authorization

5. Third-Party Content and Links

5.1 External Links

Our website may contain links to third-party websites and services. These links are provided for convenience and do not constitute an endorsement of the linked sites.

5.2 Third-Party Responsibility

We are not responsible for:

• The content, accuracy, or practices of third-party websites
• Any transactions between you and third parties
• The privacy policies or terms of service of external sites
• Any damages resulting from your use of third-party services

5.3 Product Information

Information about third-party products and services is based on publicly available sources and may not reflect the most current information. We recommend verifying information directly with the relevant providers.

6. Disclaimers and Limitations

6.1 No Warranties

Our services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to:

• Warranties of merchantability or fitness for a particular purpose
• Warranties regarding accuracy, completeness, or timeliness of information
• Warranties that our services will be uninterrupted or error-free
• Warranties regarding the security of data transmission

6.2 Information Accuracy

While we strive for accuracy, we do not guarantee that:

• All information on our website is current or accurate
• Our comparisons reflect the latest product changes
• Information from third-party sources is reliable
• Our analysis applies to your specific situation

6.3 Educational Purpose

Our content is provided for educational purposes only and should not be considered as:

• Professional advice or recommendations
• Endorsements of particular products or services
• Guarantees of product performance or suitability
• Substitutes for your own research and evaluation

7. Limitation of Liability

7.1 General Limitation

To the maximum extent permitted by law, Compare Value Hub Ltd shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits, data, or business opportunities
• Costs of procurement of substitute goods or services
• Damages resulting from decisions based on our content
• Damages arising from third-party products or services

7.2 Maximum Liability

In no event shall our total liability to you exceed the amount you have paid us for our services, or $100, whichever is greater.

7.3 Basis of Bargain

These limitations reflect the allocation of risk between the parties and are a fundamental basis of our agreement to provide services.

8. Indemnification

8.1 Your Indemnification

You agree to indemnify, defend, and hold harmless Compare Value Hub Ltd, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses arising from:

• Your use of our services
• Your violation of these Terms
• Your violation of any rights of others
• Any content you submit to us

9. Privacy and Data Protection

9.1 Privacy Policy

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

9.2 Data Security

While we implement reasonable security measures, we cannot guarantee the absolute security of your information transmitted through our services.

10. Termination

10.1 Termination by You

You may stop using our services at any time. You may also request deletion of your personal information in accordance with our Privacy Policy.

10.2 Termination by Us

We may suspend or terminate your access to our services at any time, with or without cause, including if:

• You violate these Terms
• Your use poses risks to us or other users
• We discontinue our services
• Required by law or legal process

10.3 Effect of Termination

Upon termination:

• Your right to use our services will cease immediately
• Provisions regarding intellectual property, disclaimers, and limitations of liability will survive
• We may delete your account and associated data

11. Governing Law and Dispute Resolution

11.1 Governing Law

These Terms are governed by the laws of the State of Arizona, United States, without regard to conflict of law principles.

11.2 Jurisdiction

Any disputes arising from these Terms or your use of our services will be resolved in the state or federal courts located in Phoenix, Arizona.

11.3 Limitation Period

Any claims against us must be brought within one (1) year after the cause of action arises, or such claim will be permanently barred.

12. General Provisions

12.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding your use of our services.

12.2 Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

12.3 Waiver

Our failure to enforce any provision of these Terms does not constitute a waiver of that provision or any other provision.

12.4 Assignment

You may not assign or transfer your rights under these Terms without our prior written consent. We may assign our rights and obligations without restriction.

12.5 Force Majeure

We will not be liable for any delay or failure to perform due to causes beyond our reasonable control, including natural disasters, government actions, or technical failures.

13. Contact Information

If you have questions about these Terms, please contact us:

Compare Value Hub Ltd
2847 N 32nd St
Phoenix, AZ 85018
United States
Phone: +1 (602) 473-8291

14. Effective Date

These Terms of Service are effective as of January 1, 2026, and apply to all use of our services from that date forward.

By continuing to use our services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.