Payment Policy

Hubpoint Payment Policy

Effective Date: March 22, 2026
Last Updated: March 22, 2026
Version: 1.0

This Payment Policy explains how Hubpoint charges for subscriptions and related services, how renewals and cancellations work, and what global and EU-specific rights apply.

This policy applies to all Hubpoint products and channels that reference it, including web applications, mobile manager interfaces, and associated APIs.

1. Scope and Binding Effect

By starting a trial, adding a payment method, purchasing a paid plan, or continuing to use paid features, you agree to this Payment Policy and the Hubpoint Terms and Conditions.

Where local mandatory consumer law conflicts with this policy, mandatory law prevails.

2. Billing Entities and Merchant of Record

• Service Provider: Deviofy Digital Technologies FZCO ("Hubpoint", "we", "us").
• Merchant of Record: Deviofy Digital Technologies FZCO (unless otherwise stated in an Order Form or invoice).
• Payment Processor(s): may include third-party processors (for example, Stripe and card networks) that process card data according to their own legal terms and privacy standards.

You authorize Hubpoint and its payment processor(s) to charge your payment method for amounts due under your selected plan.

3. Plan Types and Pricing Structure

Hubpoint may offer:

• free plans;
• time-limited trials;
• paid monthly or yearly subscriptions;
• add-ons and feature-based pricing;
• promotional or referral-based discounts.

Current plan details, billing intervals, and included limits are shown in product UI, order forms, or checkout screens.

All prices are displayed in the stated billing currency. Currency conversion fees from your bank/provider are your responsibility.

Service contexts covered by this policy include subscriptions initiated from Hubpoint services such as app.hubpoint.ai and related billing-enabled interfaces connected to the Hubpoint backend.

4. Trial Rules

4.1 Trial access may be offered to eligible users/accounts only and may be limited to one trial per company, group, or payment profile.

4.2 Trial terms may include:

• fixed duration;
• feature limits;
• mandatory payment method at trial start or before conversion.

4.3 If your trial is configured to auto-convert, you authorize charges when trial ends unless you cancel before the cutoff stated in your account settings or order screen.

4.4 Hubpoint may modify, end, or refuse trial offers where abuse, fraud, or ineligibility is suspected.

5. Payment Method Authorization

5.1 You must maintain at least one valid payment method for paid services where required.

5.2 By adding a card/payment method, you:

• confirm you are authorized to use it;
• allow Hubpoint to validate and tokenize payment details through processor flows;
• permit recurring and off-session charges related to your subscription, renewals, and lawful plan changes.

5.3 Hubpoint does not store full raw card numbers/CVV in application databases; payment credentials are typically handled by certified payment processors.

5.4 You authorize Hubpoint to use tokenized payment method references and customer identifiers provided by payment processors for renewals, retries, and account billing management.

6. Recurring Billing and Renewals

6.1 Subscriptions renew automatically by default at the end of each billing term unless canceled according to this policy.

6.2 Renewal charges may occur at any time on or after the renewal date according to processor timing, retry logic, and timezone handling.

6.3 You authorize retry attempts for failed charges. We may attempt multiple retries using available payment methods associated with your account where lawful.

6.4 If renewal fails and remains unpaid:

• account features may be restricted;
• downgrade or suspension may occur;
• service continuity is not guaranteed.

7. Upgrades, Downgrades, and Plan Changes

7.1 You may change plans subject to product availability and technical constraints.

7.2 For upgrades:

• immediate charge, prorated charge, or next-cycle increase may apply depending on implementation.

7.3 For downgrades:

• reduced pricing generally applies from next cycle unless otherwise stated;
• feature limits may apply immediately or on renewal date.

7.4 We reserve the right to reject plan changes that violate account integrity, abuse detection, or legal restrictions.

8. Cancellation

8.1 You may cancel recurring subscription renewal from account settings where this feature is provided, or by contacting support/legal contacts listed below.

8.2 Cancellation typically stops future automatic renewals but does not retroactively void already-incurred charges for active periods.

8.3 Access may continue until end of prepaid term unless policy, legal requirement, or fraud/security events require earlier restriction.

8.4 If a trial is canceled before conversion cutoff, no conversion charge should occur (subject to processor settlement timing and correct cancellation completion).

8.5 If you request cancellation after a billing event has already been initiated with the payment processor, cancellation may apply from the next billing cycle rather than reversing a processed charge, unless law requires otherwise.

9. Refunds and Credits

9.1 Default Rule (Business SaaS Baseline): fees are non-refundable except where:

• required by mandatory law;
• explicitly promised in writing (contract/order form/promotion);
• granted at Hubpoint's sole discretion for documented exceptional cases.

9.2 Refund requests should include:

• account/company identifier;
• transaction date and amount;
• reason for request;
• supporting evidence (if technical billing issue).

9.3 If approved, refunds are returned to original payment method where possible and may take additional processor/bank settlement time.

9.4 Chargebacks/disputes initiated without first contacting support may result in temporary suspension pending investigation.

9.5 Nothing in this section limits non-waivable consumer rights under applicable law, including statutory withdrawal or mandatory refund rights where legally required.

10. Failed, Reversed, or Disputed Payments

10.1 If payment fails, is reversed, or is disputed, Hubpoint may:

• suspend premium features or account access;
• recover unpaid fees and associated costs where lawful;
• restrict future trial/discount eligibility.

10.2 You agree to cooperate in good faith to resolve payment disputes.

11. Taxes, VAT, and Invoicing

11.1 Fees are exclusive of taxes unless explicitly stated.

11.2 You are responsible for VAT/GST/sales/use taxes and similar indirect taxes unless reverse-charge or exemption applies.

11.3 For EU VAT:

• business customers must provide a valid VAT number for VAT treatment where applicable;
• invalid/missing VAT details may result in VAT being charged.

11.4 Invoices/receipts may be generated electronically and delivered via account dashboard or email.

12. Promotional Credits, Referral Rewards, and Discounts

12.1 Promotional credits and referral benefits:

• are not legal tender;
• are non-transferable unless expressly allowed;
• may expire;
• may be revoked for fraud, abuse, or policy breach.

12.2 Unless expressly stated, promotions cannot be combined.

13. Price Changes

13.1 Hubpoint may change fees for future billing periods with prior notice required by applicable law.

13.2 Continued use after price-change effective date constitutes acceptance, except where law requires express consent.

13.3 Existing contractual commitments in signed enterprise agreements supersede general price changes during locked term periods.

14. Security and Fraud Prevention in Billing

Hubpoint and payment processors may use automated and manual fraud controls, including:

• velocity checks;
• payment risk scoring;
• card verification workflows;
• account behavior anomaly checks.

Transactions flagged as high risk may be delayed, rejected, or require additional verification.

15. Data Processed for Payment Purposes

For payment administration, Hubpoint may process:

• billing contact identifiers (name, email, company);
• transaction metadata (amount, currency, timestamp, status, reason);
• subscription identifiers (plan, interval, trial status, renewal state);
• partial payment references (for example, masked card indicators from processor responses);
• anti-fraud and audit trail records.

Payment and billing data handling is further described in the Hubpoint Privacy Policy.

Where applicable, billing events may also be linked to analytics/conversion measurement data in de-identified or pseudonymous form for performance attribution and fraud controls.

16. EU/EEA/UK/CH Supplement

For customers located in the EU/EEA/UK/Switzerland:

16.1 Consumer Information Duties.
Pre-contract information, total price clarity, auto-renew behavior, and cancellation terms are provided in accordance with applicable consumer and e-commerce rules.

16.2 Cooling-Off / Withdrawal Rights.
Where consumer withdrawal rights apply, they may be limited after digital service performance starts with your prior express consent and acknowledgment. If you are a business user, statutory consumer withdrawal rights usually do not apply.

16.3 VAT Compliance.
VAT will be applied in accordance with place-of-supply rules and valid VAT information submitted by you.

16.4 Unfair Terms Safeguard.
If any clause is deemed unfair or non-compliant under mandatory law, only that clause is adjusted and remaining clauses continue to apply.

16.5 PSD2/SCA and Authentication.
You may be required to complete Strong Customer Authentication (SCA) as requested by your bank/payment provider.

17. Operational Limitations and Accuracy Commitment

Hubpoint aims to provide accurate billing logic, but you acknowledge:

• processor-level delays and asynchronous events can affect real-time status;
• short timing gaps can occur between cancellation, renewal attempts, and UI synchronization;
• platform billing implementation can evolve as features are improved.

Hubpoint will act in good faith to correct demonstrable billing errors.

18. Policy Changes

We may update this Payment Policy to reflect legal, tax, processor, operational, or product changes. Material updates will be communicated using reasonable channels (in-product notice, email, or website publication).

19. Contact for Billing and Legal Requests

• Billing Support: [email protected]
• Billing/Legal Alternative Contact: [email protected]
• Registered Entity: Deviofy Digital Technologies FZCO
• Address: United Arab Emirates (full registered office address available upon verified legal request)

20. Product-Specific Payment Clarifiers

• Hubpoint provides subscription services for business users; end-customer appointment bookings are not, by themselves, a purchase of Hubpoint SaaS by those end customers.
• Plan/trial behavior, card collection timing, and renewal logic can differ by offer and rollout configuration.
• Promotional referral and campaign logic may affect eligibility and pricing outcomes.
• Payment processor risk checks may block or delay transactions outside Hubpoint's direct control.

21. Practical Implementation Checklist (Recommended Before Publication)

Before publishing this policy publicly, confirm:

• your legal entity details and invoicing address are inserted and match invoices;
• all currently offered plans/prices in UI match policy language;
• refund and cancellation practice matches actual operations;
• VAT/consumer disclosures are localized where required;
• support channels are active and monitored.