1. Overview

These Payment Terms ("Terms") govern all payment transactions on the HubQuery platform, including but not limited to property bookings, rent payments, service fees, and subscription payments. By using HubQuery's payment services, you agree to be bound by these Terms, our Terms of Service, and all applicable policies.

2. Payment Processing

2.1. Payment processors

HubQuery uses trusted payment processors to collect payments. Depending on your country and product, different partners may apply. By making a payment, you agree to the applicable processor's terms and privacy notice. Card and bank data are handled only by PCI-DSS compliant partners; we do not store full card numbers on our own servers.

2.2. Accepted Payment Methods

We accept the following payment methods:

• Debit/Credit Cards: Visa, Mastercard, Verve, and other supported cards
• Bank Transfer: Direct bank transfers (for certain transactions)
• Mobile Money: Mobile wallet payments (where available)
• USSD: Bank USSD codes (where supported)

2.3. Currency

All transactions are processed in the local currency of the country where the property or service is located (e.g., NGN for Nigeria, USD for United States). Currency conversion rates, if applicable, are determined by your financial institution or payment provider.

3. Payment Authorization

3.1. Authorization to Charge

By initiating a payment on HubQuery, you authorize us to charge your selected payment method for the full amount of the transaction, including applicable taxes, fees, and service charges. This authorization remains valid until the transaction is completed, cancelled, or refunded.

3.2. Payment Verification

All payments are subject to verification and fraud screening. We reserve the right to:

• Hold payments pending verification
• Request additional identification or documentation
• Cancel transactions suspected of fraud
• Refund payments that cannot be verified

4. Payment Timing

4.1. Shortlet Bookings

Payment is required in full at the time of booking. Your payment method will be charged immediately upon booking confirmation.

4.2. Long-Term Rent Payments

For annual rent payments, payment is required in full before the lease start date. Monthly rent payments may be set up on a recurring basis with your authorization.

4.3. Service Fees

Platform fees, agency commissions, and service charges are typically deducted from the total transaction amount before remittance to the service provider (host, agent, etc.).

4.4. Recurring subscriptions

Certain products (for example agent or agency tools, lead tools, valuation or lease-related packs, marketplace visibility, or other premium features offered in your region) may be billed on a recurring basis until you cancel where the product allows cancellation. Renewal dates, amounts, and taxes (if any) are shown in your dashboard billing or subscription area before and after purchase.

• Failed renewal charges may result in downgrade, loss of access to gated features, or retry attempts according to product rules.
• Unless a specific offer states otherwise, subscription fees already charged are generally non-refundable except where required by law or at our discretion.

5. Refunds and Cancellations

5.1. Refund Policy

Refunds are processed according to our Guest Refund Policy and the specific cancellation policy of each property or service. Refunds will be issued to the original payment method used for the transaction.

5.2. Refund Processing Time

Refunds typically take 5-10 business days to appear in your account, depending on your financial institution. Processing times may vary for international transactions.

5.3. Non-Refundable Fees

The following fees are generally non-refundable:

• Platform service fees
• Payment processing fees (in some cases)
• Administrative fees for cancelled transactions

6. Fees and Charges

6.1. Service Fees

HubQuery charges service fees for facilitating transactions. These fees are clearly displayed before you complete a payment. Service fees may vary by:

• Transaction type (booking, rent payment, subscription, etc.)
• Property or service category
• Subscription tier (if applicable)

6.2. Payment Processing Fees

Payment processing fees are charged by our payment processors and may vary by payment method and country. These fees are typically included in the total transaction amount or clearly disclosed before payment.

6.3. Currency Conversion Fees

If your payment method uses a different currency than the transaction currency, your financial institution may charge currency conversion fees. These fees are not controlled by HubQuery.

7. Payouts to Hosts and Agents

7.1. Payout Timing

Payouts to hosts and agents are processed according to the following schedule:

• Shortlets: 24 hours after successful guest check-in
• Rent Payments: Within 2-3 business days of payment confirmation
• Service Fees: According to the service agreement

7.2. Payout Methods

Hosts and agents can receive payouts via:

• Bank transfer (Nigerian Naira accounts)
• Mobile money (where available)
• Other methods as supported by our payment processor

7.3. Payout Delays

Payouts may be delayed in the following circumstances:

• Pending damage claims or disputes
• Account verification issues
• Bank holidays or processing delays
• Suspected fraud or security concerns

8. Failed Payments

8.1. Payment Failure

If a payment fails, we will attempt to process it again. Common reasons for payment failure include:

• Insufficient funds
• Expired or invalid payment method
• Bank or card issuer restrictions
• Technical issues with the payment processor

8.2. Retry Attempts

We may automatically retry failed payments. You will be notified of any payment failures and may be required to update your payment method.

9. Chargebacks and Disputes

9.1. Chargeback Policy

If you initiate a chargeback with your bank or card issuer, we will:

• Investigate the chargeback claim
• Provide evidence of the transaction and service delivery
• Resolve the dispute according to our policies and applicable law

9.2. Unauthorized Chargebacks

Unauthorized chargebacks (chargebacks filed for valid transactions) may result in:

• Account suspension or termination
• Legal action to recover funds and associated fees
• Reporting to credit bureaus or fraud prevention services

10. Security and Fraud Prevention

HubQuery employs industry-standard security measures to protect payment information, including:

• PCI-DSS compliant payment processing
• Encryption of payment data in transit and at rest
• Fraud detection and monitoring systems
• Two-factor authentication for sensitive transactions

If you suspect fraudulent activity on your account, please contact us immediately at our contact page.

11. Tax Obligations

You are responsible for:

• Determining and paying any applicable taxes on transactions
• Complying with local tax laws and regulations
• Maintaining records of transactions for tax purposes

HubQuery may be required to collect and remit taxes in certain jurisdictions. Where applicable, taxes will be clearly displayed before payment.

12. Contact Information

For questions about payments, refunds, or these Payment Terms, please:

• Visit our Contact Page
• Email: [email protected]
• Check your transaction history in your dashboard