Termos de Uso

Payment terms and conditions — Creators

  1. Parties, Scope, and Applicability

1.1 Identity of Hubla US, Inc.

Hubla US, Inc. is a corporation duly organized and existing under the laws of Delaware, United States of America, with registered address at Corporation Trust Center, 1209 Orange Street, Wilmington, Delaware, 19801, and principal business operations directed to serving international users of the Hubla platform ("Hubla US", "we", "us", or "our"). Hubla US is an affiliate of Hubla Tecnologia Limitada, a Brazilian entity (CNPJ 36.062.381/0001-80) ("Hubla BR").

1.2 Scope: When These Terms Apply

These Payment Terms and Conditions for Creators ("Terms") apply exclusively to all transactions processed by Hubla US through its international acquiring and payment processing arrangements. As a general routing rule, a transaction will be so processed where the payment currency is other than Brazilian Reais (BRL) and/or the Buyer is domiciled outside Brazil, as determined by the Platform's routing criteria published from time to time ("International Transactions"). For transactions processed in Brazil in BRL, the Brazilian Payment Terms and Conditions of Hubla BR apply exclusively.

1.3 Prevalence of These Terms

For any International Transaction, these Terms prevail over the Brazilian Payment Terms and Conditions in the event of conflict. Use of the Platform for International Transactions constitutes full acceptance of these Terms by the Creator.

1.4 Binding Effect

Access to and use of the Platform for International Transactions is conditioned upon compliance with these Terms. Use of the Platform constitutes acknowledgment that these Terms have been read, understood, and agreed to. Creators who do not agree to these Terms may not use the Platform for International Transactions.

  1. Hubla US as Merchant of Record

2.1 MoR Declaration

Hubla US acts as the Merchant of Record ("MoR") for all International Transactions. This means that Hubla US is the legal entity that enters into the sale contract with the Buyer, appears as the merchant in payment network records, processes and settles the payment, and assumes all responsibilities attendant to that role.

2.2 Transaction Structure

The commercial structure for each International Transaction is as follows: (a) the Buyer places an order on the Platform to acquire an Infoproduct; (b) Hubla US commercializes the corresponding Infoproduct to the Buyer as principal, based on the rights granted by the Creator to Hubla US to act as Merchant of Record under these Terms. Accordingly, the binding sale contract for the Infoproduct is formed between Hubla US and the Buyer — not between the Creator and the Buyer. The Creator's contractual counterparty is Hubla US, to whom the Creator grants the right to commercialize the Infoproduct under the conditions of these Terms.

2.3 What MoR Status Means in Practice

As MoR, Hubla US:

  • Appears as the merchant name on the Buyer's payment statement, card invoice, and all payment network records;

  • Holds the merchant account and merchant ID (MID) registered with acquiring banks and card networks (Visa, Mastercard, and others) for International Transactions;

  • Issues purchase receipts, order confirmations, and invoices to Buyers in its own name;

  • Bears primary liability to card networks and issuing banks for chargebacks and disputes arising from International Transactions;

  • Assumes responsibility for compliance with applicable consumer protection laws in the Buyer's jurisdiction;

  • Is the entity responsible for collecting, remitting, and accounting for applicable taxes (including U.S. sales tax, international VAT, GST, and other equivalent indirect taxes) on International Transactions, where required by law.

2.4 Creator's Role

The Creator retains intellectual property ownership of the Infoproduct and responsibility for any third-party rights clearances necessary for the Infoproduct. As Merchant of Record, Hubla US assumes ultimate contractual liability for the fulfillment and delivery of the Infoproduct vis-à-vis the Buyer. However, Hubla US hereby delegates the operational execution, delivery, technical quality, and accuracy of the Infoproduct content to the Creator, who shall act as Hubla US’s operational fulfillment provider. The Creator acknowledges that any failure in operational delivery or product quality constitutes a material breach of these Terms vis-à-vis Hubla US and shall trigger the indemnification and recourse provisions set forth herein.

  1. Creator Authorization and Grant of Rights

3.1 Express Authorization to Act as MoR

The Creator's use of the Platform for International Transactions constitutes an express authorization, effective for the term of these Terms, for Hubla US to: (a) sell and commercialize the Creator's Infoproducts to Buyers worldwide in its own name as principal; (b) register as merchant of record with all relevant payment networks, acquirers, and processors for International Transactions; (c) issue order confirmations, receipts, and invoices to Buyers in the name of Hubla US; (d) collect payment from Buyers and remit the net proceeds to the Creator after deducting applicable fees; (e) represent the Creator's Infoproducts as available for sale on the Platform; and (f) take all actions reasonably necessary to fulfill Hubla US's obligations as MoR, including responding to disputes, processing refunds, and complying with applicable law. This authorization terminates upon termination of these Terms, except that it survives with respect to transactions initiated before the effective date of termination and related refunds, chargebacks, and disputes.

3.2 Grant of Resale Rights and License

The Creator grants Hubla US a non-exclusive, worldwide, ongoing right to purchase, distribute, and commercialize access to the Infoproduct to Buyers, in Hubla US's own name and for its own account as principal, together with a royalty-free license to list, display, and market the Infoproduct, solely for the purpose of fulfilling International Transactions under these Terms. Upon a Buyer's completed order, title to the right of access to the Infoproduct passes from Hubla US to the Buyer directly, in fulfillment of the sale contract between Hubla US and the Buyer. At no time does any momentary or "flash" transfer of title occur between the Creator and Hubla US at the time of the Buyer's purchase. The Creator shall promptly notify Hubla US and remove an Infoproduct from sale for International Transactions if the Creator ceases to be authorized to grant the right of resale described herein. This grant does not transfer ownership of the Infoproduct or any intellectual property rights to Hubla US. The end-user license to use the Infoproduct content is granted by the Creator directly to the Buyer, under end-user terms that must be consistent with these Terms.

3.3 Creator Representations and Warranties

The Creator represents and warrants that:

The Creator has full legal authority to enter into these Terms and grant the rights described herein;

The Creator owns or holds all necessary rights, licenses, and clearances to the Infoproduct, including intellectual property rights, and the sale of the Infoproduct through the Platform does not infringe any third-party rights;

The Infoproduct complies with all applicable laws and regulations, including those of the Buyer's jurisdiction;

All information provided to Hubla US regarding the Infoproduct (description, pricing, delivery terms) is accurate, complete, and not misleading;

The Creator will promptly deliver access to the Infoproduct to the Buyer upon receiving notification of a completed sale;

The Creator has disclosed to Hubla US any existing government investigations, regulatory proceedings, or consent decrees involving the Creator or the Infoproduct prior to accepting these Terms;

The Creator will notify Hubla US within 24 hours of receiving any complaint from a Buyer regarding an Infoproduct.

3.4 Indemnification by Creator

The Creator agrees to defend, indemnify, and hold harmless Hubla US and its directors, officers, employees, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from or related to: (a) any breach of the Creator's representations, warranties, or obligations under these Terms; (b) any defect, inaccuracy, or failure in the Infoproduct, including failure to deliver; (c) any infringement of third-party intellectual property rights by the Infoproduct; (d) any violation of applicable law by the Creator; or (e) any act or omission of Affiliates or co-creators engaged by the Creator.

3.5 Affiliates and Co-Producers

Where enabled by the Platform, the Creator may engage third-party promoters ("Affiliates") to advertise Infoproducts and co-producers ("Co-Producers") to share in the proceeds of an Infoproduct. For International Transactions: (a) Affiliates and Co-Producers must register on the Platform, complete Hubla US's verification processes, and accept these Terms before receiving any payment; (b) commissions and revenue shares are calculated as configured on the Platform and are deducted from amounts otherwise payable to the Creator; (c) if a transaction is refunded, charged back, or reversed, the corresponding Affiliate commission and Co-Producer share will be reversed and may be deducted from future payments; (d) the Creator is responsible for the acts and omissions of the Affiliates and Co-Producers it engages and for ensuring that their marketing practices comply with these Terms and applicable law, including required disclosure of material connections under applicable endorsement and advertising rules (such as the U.S. FTC Endorsement Guides, and equivalent rules in other jurisdictions); (e) Affiliates and Co-Producers may not promote terms, refund policies, or claims inconsistent with these Terms or with content approved by the Creator; and (f) Hubla US may withhold, suspend, or terminate Affiliate or Co-Producer payments and accounts under the same conditions applicable to Creators.

3.6 Creator Shall Not Present Itself as Seller

The Creator acknowledges and agrees that Hubla US is the sole Merchant of Record and seller vis-à-vis the Buyer for all International Transactions. Accordingly, the Creator shall not, directly or indirectly:

  • Present itself, whether in checkout pages, marketing materials, receipts, invoices, or communications with Buyers, as the seller, merchant, contracting party, or payment recipient with respect to International Transactions;

  • Collect or receive payments from Buyers relating to International Transactions;

  • Issue invoices, receipts, or billing documents to Buyers in the Creator's own name for International Transactions;

  • Manage, initiate, respond to, or otherwise handle chargebacks, payment disputes, or refund requests with card networks, issuing banks, or payment institutions;

  • Represent to Buyers that access to the Infoproduct is being provided, sold, or licensed directly by the Creator rather than by Hubla US.

All payment processing, invoicing, refunds, chargeback management, and dispute resolution for International Transactions are conducted exclusively by Hubla US as sole Merchant of Record. Material breach of this Section may result in suspension or termination of the Creator's account under Section 8.4.

  1. Chargeback and Refund Handling

4.1 Chargeback Handling

As MoR, Hubla US bears the primary obligation to respond to chargebacks filed by Buyers with their issuing banks. Hubla US will:

Receive and process all chargeback notifications from card networks directly;

Coordinate with the Creator to gather necessary evidence to represent the transaction where appropriate. The Creator must provide all requested evidence within five (5) business days of Hubla US's request, or any shorter period required by applicable payment network deadlines; failure to do so entitles Hubla US to accept the chargeback and debit the corresponding amount without representment;

Deduct the chargeback amount (plus applicable chargeback fees imposed by card networks or acquirers and any dispute handling fee set out in the applicable fee schedule) from the Creator's account balance;

Revoke the Buyer's access to the Infoproduct upon receipt of a chargeback that is not resolved in favor of Hubla US.

4.2 Access Revocation

Upon a successful chargeback, refund, or other reimbursement event, Hubla US will automatically revoke the Buyer's access to the relevant Infoproduct without prior notice.

4.3 Refund Policy Application

Hubla US applies to Buyers the refund policy set forth in the Buyer-facing Payment Terms and Conditions, including statutory cooling-off and withdrawal rights in the Buyer's jurisdiction where applicable. Hubla US may, at its discretion, grant a refund outside the stated refund window where it reasonably considers this necessary to prevent a chargeback, dispute, or regulatory complaint, with the corresponding amount debited from the Creator's account in accordance with Section 8.3.

4.4 Subscriptions and Recurring Billing

Where an Infoproduct is offered on a subscription or recurring basis, the Creator shall provide accurate information regarding recurring price, billing frequency, promotional or introductory pricing, and cancellation mechanics, to enable Hubla US to comply with applicable automatic renewal laws in the Buyer's jurisdiction. The Creator must not offer or promote subscription terms inconsistent with these Terms or with the disclosures made at checkout.

  1. Payments to Creators

5.1 Net Proceeds

Following a completed International Transaction, Hubla US will credit the Creator's account with the net proceeds of the sale, calculated as the gross sale price collected from the Buyer, minus: (a) Hubla US's platform and processing fees as set forth in the applicable fee schedule; (b) amounts attributable to any refunds, chargebacks, reversals, or adjustments; and (c) any withholding required by applicable law.

5.2 Payment Schedule

Net proceeds will be made available to the Creator for withdrawal according to the default schedule applicable at the time of the transaction, as published on the Platform. Hubla US reserves the right to withhold disbursement for an extended period if there are elevated chargeback risks, suspicious transaction patterns, regulatory holds, or other risk factors, as determined by Hubla US at its sole discretion.

5.3 Security Reserve

Hubla US will set an initial rolling security reserve for each Creator as part of its underwriting and risk assessment process. Unless otherwise determined at underwriting or upon subsequent risk review, the default reserve is 10% of gross transaction value per sale, retained for a period of 45 days, to cover potential chargebacks, refunds, and disputes. Hubla US may adjust the reserve percentage and retention period upon periodic risk review, elevated chargeback exposure, or material changes in the Creator's transaction profile, upon notice to the Creator. The reserve will be released to the Creator's account upon expiration of the applicable risk period, subject to no pending claims.

5.4 Creator's Bank Account

The Creator must register a valid bank account in their own name for disbursement of net proceeds. Hubla US will not transfer funds to third-party accounts. The Creator is responsible for maintaining accurate and current banking information on the Platform.

5.5 Currency and FX Risk

Net proceeds will be disbursed in the currency agreed upon between the Creator and Hubla US at registration. Where currency conversion is required, the conversion rate applied will be the reference rate provided by Hubla US's payout or foreign exchange provider at the time of disbursement, plus any conversion fee disclosed in the applicable fee schedule. Hubla US is not responsible for exchange rate fluctuations between the date of sale and the date of disbursement. The Creator bears the full currency exchange risk. Hubla US is not responsible for services provided by third parties in the processing of currency conversion, payout, or withdrawal, including intermediary bank fees and fees charged by the Creator's receiving institution.

5.6 Withholding and Set-Off

Hubla US may withhold or set off against any amounts otherwise payable to the Creator: (a) amounts owed by the Creator to Hubla US under these Terms or any other agreement; (b) amounts required to cover actual or anticipated chargebacks, refunds, disputes, or regulatory penalties; and (c) amounts corresponding to any breach of these Terms by the Creator. Hubla US will notify the Creator of any material withholding and the reason therefor.

5.7 Pricing and Resale Price

The Creator shall provide a non-binding recommended retail price for each Infoproduct. Hubla US, as Merchant of Record, sets the final price charged to the Buyer (the "Resale Price"), which shall be based on the Creator's recommended price and may include applicable taxes, currency conversion adjustments, rounding, and adjustments required by applicable law or payment network rules. Amounts payable to the Creator under Section 5.1 are calculated by reference to the Creator's recommended price and the applicable fee schedule.

5.8 Reporting; Objections to Statements

Hubla US will make available to the Creator periodic reporting through the Platform covering, at a minimum, sales volume, fees, refunds, chargebacks, applicable currency conversion rates, and reserve balances. The Creator waives any objection to any report, statement, debit, or calculation of amounts thereunder that the Creator does not raise by written notice to Hubla US within thirty (30) days after the report is made available.

  1. Tax Responsibilities

6.1 Hubla US Tax Obligations (MoR Scope)

As MoR, Hubla US assumes responsibility for determining, collecting, reporting, and remitting indirect taxes applicable to International Transactions where required by law in the Buyer's jurisdiction, including without limitation U.S. sales tax, VAT, GST, and equivalent indirect taxes imposed under applicable marketplace facilitator, deemed-supplier, or similar legislation. Where Hubla US collects and remits these taxes, the Buyer-facing price may be displayed inclusive or exclusive of tax, as required by applicable law.

6.2 Creator Tax Obligations

The Creator remains solely responsible for: (a) income taxes and other direct taxes applicable to the Creator's receipt of net proceeds from Hubla US; (b) taxes applicable in jurisdictions where Hubla US is not the deemed supplier or marketplace facilitator under local law; and (c) issuance of any invoices required by the Creator's local tax authority documenting the sale and assignment of the Infoproduct (or of the corresponding access rights) by the Creator to Hubla US. Such invoices shall reflect a sale of the Infoproduct by the Creator to Hubla US, and not a provision of services. The Creator must consult its own tax advisors to determine its tax obligations.

6.3 Tax Indemnification

If a tax authority assesses taxes, penalties, or interest against Hubla US arising from the Creator's misclassification of the Infoproduct, inaccurate pricing information, or failure to provide required documentation, the Creator shall indemnify and reimburse Hubla US for all such amounts, including reasonable professional fees.

  1. Platform Rules and Prohibited Conduct

7.1 Creator Obligations

In addition to the representations in Section 3.3, the Creator must:

Operationally execute and guarantee the seamless delivery of the purchased Infoproduct to the Buyer on behalf of Hubla US promptly following sale confirmation, ensuring that such operational fulfillment satisfies Hubla US's ultimate statutory delivery obligations to the consumer;

Display, on each sales page and order flow used for International Transactions, a clear and conspicuous notice that the order is processed by Hubla US as Merchant of Record, in the form made available by Hubla US;

Maintain an active email address and respond to support inquiries forwarded by Hubla US within one (1) business day;

Comply with all applicable laws and regulations relating to the marketing, sale, and delivery of the Infoproduct;

Not engage in false, deceptive, or misleading advertising or pricing practices;

Not offer or promote terms to Buyers that are inconsistent with these Terms, including refund or return policies that differ from those stated herein, without Hubla US's prior written consent;

Notify Hubla US immediately upon becoming aware of any actual or threatened regulatory action, investigation, or claim involving the Creator or any Infoproduct.

7.2 Prohibited Content

The following Infoproducts are prohibited on the Platform for International Transactions:

Products that violate applicable law in the Buyer's or Creator's jurisdiction;

Products that infringe third-party intellectual property rights;

Products that contain defamatory, obscene, or hateful content;

Products that promote illegal activity, violence, or discrimination based on protected characteristics;

Products subject to export controls or sanctions under applicable international law;

Products that are fraudulent, misrepresented, or that make unsubstantiated health, financial, or efficacy claims.

Hubla US may publish and update a more detailed Content and Acceptable Use Policy on the Platform, including restricted categories required by Hubla US's acquiring and payment network partners, which is incorporated into these Terms by reference. In the event of conflict, the more restrictive provision prevails.

7.3 Compliance with Applicable Law

The Creator acknowledges that Hubla US operates under U.S. law and processes International Transactions for Buyers in multiple jurisdictions. The Creator agrees to comply, in connection with its Infoproducts, with all applicable laws and regulations in the jurisdictions in which its Infoproducts are marketed or sold, including without limitation: (a) applicable U.S. federal and state laws, including the Federal Trade Commission Act, CAN-SPAM Act, Telephone Consumer Protection Act, Children's Online Privacy Protection Act, and applicable state consumer protection laws; (b) EU and UK consumer protection, e-commerce, and unfair commercial practices laws; (c) data protection and privacy laws, including the EU General Data Protection Regulation (GDPR), the UK GDPR, the California Consumer Privacy Act (CCPA), the Brazilian General Data Protection Law (LGPD), and equivalent legislation in other applicable jurisdictions; and (d) advertising, marketing, and endorsement rules in the applicable jurisdictions, to the extent relevant to the Creator's activities.

  1. Chargeback Risk, Account Reserves, and Suspensions

8.1 Creator Liability for Chargebacks

Although Hubla US bears primary liability to the card networks as MoR, the Creator ultimately bears the financial risk of chargebacks attributable to: (a) product defects or non-delivery; (b) product misrepresentation; (c) fraudulent or unauthorized transactions facilitated by the Creator; or (d) any other fault attributable to the Creator. Hubla US will debit chargeback amounts and associated fees directly from the Creator's account balance.

8.2 Chargeback Threshold

If the Creator's chargeback rate on International Transactions exceeds the lesser of (i) 1% (one percent) of total transactions in any rolling 30-day period or (ii) the then-current lowest applicable threshold under the card networks' merchant dispute and fraud monitoring programs, as amended from time to time, Hubla US may, at its discretion: (a) impose an increased security reserve; (b) extend disbursement timelines; (c) suspend the Creator's ability to offer new Infoproducts; or (d) terminate the Creator's account. Hubla US will notify the Creator of the threshold breach and the measures applied.

8.3 Preventive Refunds

If Hubla US detects patterns indicative of elevated chargeback risk — including unusually high refund requests, regulatory complaints, or suspicious transaction volumes — Hubla US may proactively issue refunds to affected Buyers and debit the corresponding amounts from the Creator's account, without prior notice, in order to prevent chargebacks from being filed.

8.4 Account Suspension and Termination

Hubla US may suspend or permanently terminate a Creator's account, and disable all associated sale links, upon: (a) confirmed violation of these Terms; (b) breach of applicable law; (c) fraudulent activity; (d) chargeback threshold breach; (e) regulatory investigation or order; or (f) failure to complete, or cooperate with, KYC or other verification processes required by Hubla US or its payment partners. Upon termination for cause, Hubla US may retain the Creator's account balance for up to 180 days following the last processed transaction to cover pending chargebacks, refunds, and disputes. Upon termination for convenience, net proceeds will be disbursed after the applicable security reserve period; provided that, where the Creator has pending or reasonably anticipated exposure to chargebacks, refunds, or disputes (including for subscription or continued-access Infoproducts), Hubla US may retain a reasonable reserve, calculated by reference to the Creator's trailing refund and chargeback history, for up to 180 days following the last processed transaction.

  1. Limitation of Liability and Disclaimers

9.1 Hubla US Limitation of Liability

To the maximum extent permitted by applicable law, hubla us shall not be liable for: (a) any indirect, incidental, special, consequential, or punitive damages; (b) loss of profits, revenue, data, goodwill, or business opportunities; or (c) damages arising from third-party services, payment network downtime, or force majeure events. Hubla us's total liability to the creator for any claim arising under these terms shall not exceed the net proceeds paid to the creator in the three (3) months preceding the event giving rise to the claim.

9.2 Platform Availability

Hubla US does not guarantee uninterrupted or error-free operation of the Platform. Hubla US may temporarily suspend access to the Platform for maintenance, security purposes, or at the direction of regulatory authorities, and shall not be liable for losses arising from such temporary unavailability.

9.3 Platform "As Is" / "As Available" Disclaimer

To the maximum extent permitted by applicable law, the Platform and all related features, tools, and services are provided to the Creator on an "as is" and "as available" basis, without warranties of any kind, whether express, implied, statutory, or otherwise. Hubla US expressly disclaims any implied warranties of merchantability, fitness for a particular purpose, non-infringement, quiet enjoyment, and any warranties arising out of course of dealing, usage of trade, or course of performance. Hubla US does not warrant that the Platform will be uninterrupted, error-free, secure, or free from harmful components, nor that use of the Platform will meet the Creator's specific expectations or business requirements.

9.4 Third-Party Links

The Platform may contain links to third-party websites or resources provided solely as a convenience. Hubla US does not control, endorse, or assume responsibility for the content, products, services, or practices of such third parties, and the Creator assumes all risk arising from their use. The Creator's interactions with third-party websites are governed by the terms and privacy policies of those third parties.


  1. Dispute Resolution, Governing Law, and Jurisdiction

10.1 Governing Law

These Terms are governed by the laws of the State of Delaware, United States of America, without regard to its conflict-of-laws principles.

10.2 Arbitration Agreement (U.S.-resident Creators)

For U.S.-resident Creators, any dispute, claim, or controversy arising out of or relating to these Terms or any International Transaction shall be resolved by binding individual arbitration administered by the American Arbitration Association ("AAA") under its Commercial Arbitration Rules. The arbitration shall be conducted in English, in Wilmington, Delaware, or by videoconference. Each party shall bear its own arbitration costs, subject to AAA rules on fee allocation. Notwithstanding the foregoing, either party may bring an individual action in small claims court for disputes within that court's jurisdiction. You may opt out of this arbitration agreement by sending written notice to Hubla US's legal notice address within thirty (30) days of first accepting these Terms; opting out does not affect any other provision of these Terms. If twenty-five (25) or more similar arbitration demands are filed against Hubla US by the same or coordinated counsel, the parties agree that the demands will be resolved in staged proceedings ("batches") in accordance with applicable AAA rules or procedures agreed upon by the parties, and applicable statutes of limitations will be tolled while demands await resolution of earlier stages.

10.3 Class Action Waiver

To the extent permitted by law, you and hubla us each waive any right to bring claims as a plaintiff or class member in any purported class, collective, or representative action.

10.4 Jurisdiction for Non-U.S. Creators

For Creators domiciled outside the United States, the courts of the State of Delaware shall have exclusive jurisdiction, and you consent to personal jurisdiction and venue in those courts.

10.5 Exception for Injunctive Relief

Notwithstanding the foregoing, either party may seek emergency injunctive or other equitable relief from a court of competent jurisdiction to prevent irreparable harm pending the outcome of arbitration or court proceedings.

  1. Data Privacy

11.1 Data Controller

For International Transactions, Hubla US acts as the primary data controller for Buyer personal data collected at checkout. The Creator acts as a separate data controller with respect to any personal data the Creator independently collects from Buyers through its own channels. Hubla US's processing of personal data is governed by its Privacy Policy, available at lp.hub.la/privacy-data-protection-policy

11.2 Creator Data Obligations

The Creator must maintain a compliant privacy policy on its website or sales page, accurately describing its data collection and processing practices in accordance with applicable data protection laws, including the EU General Data Protection Regulation (GDPR), the UK GDPR, the California Consumer Privacy Act (CCPA), the Brazilian General Data Protection Law (LGPD), and equivalent legislation in other applicable jurisdictions. The Creator must not use Buyer personal data obtained through the Platform for any purpose other than fulfilling the purchased Infoproduct, unless the Buyer provides separate consent under a valid legal basis.

  1. Anti-Money Laundering, Sanctions, and Regulatory Compliance

12.1 Creator AML/KYC Obligations

The Creator represents and warrants that it is not subject to any sanctions administered by the U.S. Office of Foreign Assets Control (OFAC), the United Nations Security Council, the European Union, the United Kingdom, or any other applicable sanctions authority. The Creator agrees to cooperate with Hubla US's know-your-customer (KYC) verification processes, including providing documentation of identity, business registration, and beneficial ownership as requested. The Creator shall provide, prior to account activation and thereafter promptly upon Hubla US's request, up-to-date information regarding its identity, business, financial status, ultimate beneficial owners, and Infoproducts. Hubla US may conduct periodic re-verification and enhanced due diligence at any time and may suspend processing or withhold disbursements pending completion of such verification.

12.2 Prohibited Activities

The Creator must not use the Platform for money laundering, terrorist financing, fraud, or any other illegal financial activity. Hubla US reserves the right to report suspicious activity to relevant authorities and to immediately terminate the Creator's account without notice if such activity is suspected.

12.3 Sanctioned Jurisdictions

Hubla US does not process International Transactions for Buyers located or ordinarily resident in countries or regions subject to comprehensive sanctions administered by OFAC or another applicable sanctions authority, and may block, cancel, or reverse any transaction, and suspend any account, that it reasonably believes to involve a sanctioned person or jurisdiction.


  1. General Provisions

13.1 Language

The official and binding version of these Terms is the English-language version. Any translations provided are for convenience only and have no legal effect. In the event of conflict between the English version and any translation, the English version shall prevail.

13.2 Amendments

Hubla US reserves the right to amend these Terms at any time. Material amendments will be notified to Creators via the Platform or by email at least 30 days prior to taking effect. Continued use of the Platform for International Transactions after the effective date of the amendment constitutes acceptance of the revised Terms.

13.3 Entire Agreement

These Terms, together with any separate agreement between the Creator and Hubla US, constitute the entire agreement between the parties with respect to International Transactions and supersede all prior representations, understandings, or agreements relating to the same subject matter.

13.4 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court or arbitrator of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect.

13.5 No Waiver

Failure or delay by either party to enforce any provision of these Terms shall not constitute a waiver of that party's right to enforce such provision at any later time.

13.6 Assignment

Hubla US may assign these Terms or any rights hereunder to an affiliate or in connection with a merger, acquisition, or sale of substantially all of its assets, without notice to the Creator. The Creator may not assign any rights or obligations under these Terms without Hubla US's prior written consent.

13.7 Relationship of the Parties

The Creator and Hubla US are independent contractors. Nothing in these Terms creates a partnership, joint venture, agency, employment, or franchise relationship between the parties. The Creator has no authority to bind Hubla US in any manner.

13.8 Feedback

Hubla US welcomes feedback, comments, ideas, proposals, and suggestions to improve the Platform ("Feedback"). If the Creator chooses to submit Feedback, the Creator agrees that Hubla US may use, modify, distribute, and exploit such Feedback for any purpose, without restriction, compensation, or attribution to the Creator.

13.9 Contact and Support

For support related to International Transactions, Creators may contact Hubla US at: support@hub.la. For formal legal notices, please write to: Hubla US, Legal Department, [ADDRESS TO BE COMPLETED], USA.

13.10 Force Majeure

Neither party is liable for failure or delay in performance (other than payment obligations for amounts already collected) caused by events beyond its reasonable control, including acts of God, natural disasters, war, terrorism, labor disputes, governmental action, and failures of payment networks, acquirers, banking partners, or internet or utility infrastructure, provided that the affected party uses reasonable efforts to mitigate and resumes performance as soon as reasonably practicable.

13.11 Survival

The provisions of these Terms which by their nature should survive termination or expiration shall survive, including, without limitation, Section 3.4 (Indemnification by Creator), Section 9 (Limitation of Liability and Disclaimers), Section 10 (Dispute Resolution, Governing Law, and Jurisdiction), Section 11 (Data Privacy), and any other obligations relating to confidentiality, data protection, and rights of recourse or set-off for pending or subsequent chargebacks, fines, and penalties.