Terms & Conditions

Last Updated: February 2026

These Terms & Conditions (“Terms”) govern all access to and use of the website, digital products, services, content, and related offerings operated by Direct Pay Hub Ltd. (“Company,” “we,” “us,” or “our”) at www.directpayhub.shop (the “Website”).

By accessing, browsing, purchasing from, or otherwise using the Website, you confirm that you have read, understood, and agreed to be legally bound by these Terms, together with our Privacy Policy, Refund Policy, and Disclaimer. If you do not agree, you must discontinue use of the Website immediately.

1. Scope and Applicability

These Terms apply to:

• All visitors and users of the Website

• All purchasers of digital products

• All access to digital content, platforms, or materials

• All interactions, communications, and transactions with the Company

These Terms apply regardless of:

• Geographic location

• Device used

• Method of access

• Payment method

Use of the Website constitutes acceptance of these Terms in full.

2. Eligibility and Authority

By using this Website, you represent and warrant that:

• You are at least 18 years of age

• You have the legal capacity to enter into binding contracts

• You are using the Website for lawful purposes only

• All information provided by you is accurate, complete, and current

If you are accessing or purchasing on behalf of a business or legal entity, you represent that you have authority to bind that entity to these Terms.

3. Digital-Only Products and Services

Direct Pay Hub Ltd. provides digital-only products and services, including but not limited to:

• Digital downloads

• Online programs and learning systems

• Educational materials and playbooks

• Proprietary frameworks, templates, and methodologies

• Restricted or exclusive digital content

No physical goods are sold or shipped. All offerings are intangible and delivered electronically unless otherwise stated.

4. Product Access and Delivery

Upon successful payment:

• Digital access may be granted immediately or within a reasonable timeframe

• Delivery may occur via email, account login, downloadable files, or third-party platforms

• Once access is granted, delivery is deemed complete and fulfilled

The Company is not responsible for delays or access issues caused by:

• Incorrect user information

• Email filtering or spam blocking

• User hardware, software, or internet connectivity

• Third-party platform outages beyond our control

5. Pricing, Payments, and Taxes

All prices are displayed at checkout and may change at any time without notice.

By completing a purchase, you:

• Authorize the Company and its payment processors to charge your selected payment method

• Agree to pay all applicable fees, taxes, duties, or charges imposed by your jurisdiction or provider

Payments are processed through secure third-party payment processors. The Company does not store full credit card numbers or banking details.

6. No Refunds, Cancellations, or Transfers

Due to the digital, proprietary, and immediately accessible nature of our products:

ALL SALES ARE FINAL.

We do not offer:

• Refunds

• Cancellations

• Exchanges

• Credits

• Transfers of access

This policy applies to all products, including high-ticket purchases, regardless of usage, satisfaction, or results.

7. Chargebacks and Payment Disputes

By completing a purchase, you agree not to initiate chargebacks, payment reversals, or disputes for reasons covered under the Refund Policy.

We maintain detailed records, including:

• Transaction confirmations

• Access and login logs

• IP address and timestamp records

• Digital delivery confirmations

Unauthorized disputes may result in:

• Immediate termination of access

• Permanent suspension from future purchases

• Reporting to payment processors

• Legal action where appropriate

8. Intellectual Property Ownership

All content available on the Website and within digital products—including text, graphics, videos, systems, designs, trademarks, methodologies, and proprietary materials—is the exclusive property of Direct Pay Hub Ltd. or its licensors.

Nothing in these Terms transfers ownership rights to you.

9. Limited License to Use Content

Upon purchase, you are granted a limited, non-exclusive, non-transferable, revocable license to access and use purchased content for personal or internal business use only.

You may not:

• Copy, reproduce, or redistribute content

• Share login credentials or downloads

• Resell, sublicense, or commercially exploit content

• Create derivative works

• Claim ownership or authorship

Violation may result in immediate termination of access and legal action.

10. User Conduct and Prohibited Use

You agree not to:

• Use the Website for unlawful or fraudulent purposes

• Attempt unauthorized access to systems or data

• Circumvent security features or access controls

• Interfere with Website functionality

• Misrepresent identity or intent

The Company reserves the right to restrict or terminate access for violations.

11. Account Suspension and Termination

We reserve the right, at our sole discretion, to suspend or terminate access to the Website or products without notice for:

• Violations of these Terms

• Fraudulent or abusive behavior

• Unauthorized sharing or misuse of content

• Legal or regulatory requirements

Termination does not entitle you to a refund or reinstatement.

12. Third-Party Platforms and Services

The Website may integrate or link to third-party platforms, tools, or services.

We are not responsible for:

• Third-party content or availability

• Privacy practices or security

• Service interruptions or failures

Use of third-party services is at your own risk.

13. Limitation of Liability

To the maximum extent permitted by law, Direct Pay Hub Ltd. shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from:

• Use or inability to use the Website

• Purchase or use of digital products

• Errors, omissions, interruptions, or delays

• Loss of data, profits, or business opportunities

Your sole remedy is to discontinue use of the Website.

14. Indemnification

You agree to indemnify and hold harmless Direct Pay Hub Ltd., its officers, employees, contractors, and affiliates from any claims, damages, liabilities, or expenses arising from:

• Your use of the Website

• Your violation of these Terms

• Your misuse or unauthorized distribution of content

15. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws applicable to Direct Pay Hub Ltd., without regard to conflict-of-law principles.

You agree that any disputes shall be resolved exclusively in the appropriate courts of the applicable jurisdiction.

16. Severability

If any provision of these Terms is found unenforceable or invalid, the remaining provisions shall remain in full force and effect.

17. Modifications to These Terms

We reserve the right to update or modify these Terms at any time. Updates will be posted with a revised “Last Updated” date.

Continued use of the Website constitutes acceptance of the updated Terms.

18. Entire Agreement

These Terms, together with the Privacy Policy, Refund Policy, and Disclaimer, constitute the entire agreement between you and Direct Pay Hub Ltd. regarding use of the Website and digital products.

19. Contact Information

For questions regarding these Terms & Conditions, please contact:

Direct Pay Hub Ltd.
Email: support@directpayhub.shop