Terms of Service

1. Acceptance of Terms

By accessing or using Radbit SME Hub ("the Service"), you agree to be bound by these Terms of Service. If you do not agree, do not use the Service.

These terms apply to all users, including free and paid subscribers, in compliance with the laws of Zimbabwe and South Africa.

2. Description of Service

Radbit SME Hub provides AI-powered business tools including a Digital Readiness Assessment, AI content generation, tender matching, community forum, and related services (the "Service"). All services are provided "as is" and "as available."

3. User Accounts

• You must be at least 16 years old to use the Service
• You are responsible for maintaining the confidentiality of your account credentials
• You must provide accurate and complete information during registration
• You are responsible for all activity under your account
• Notify us immediately of any unauthorized use: support@radbitsmehub.co.zw

4. Subscriptions and Payments

• Free plans are provided at no cost with limited features
• Paid plans (Growth, Pro, Enterprise) are billed monthly
• Payments are processed by third-party providers (Stripe, PayNow, PayFast, EcoCash)
• Refunds are provided at our discretion for billing errors only
• Downgrades take effect at the end of the current billing period
• We may change prices with 30 days' notice

5. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose
• Attempt to access another user's account without authorization
• Submit malicious content, viruses, or code
• Use AI generation features to create harmful, deceptive, or illegal content
• Spam the community forum or send unsolicited messages
• Reverse engineer, decompile, or scrape the Service
• Use automated tools to access the Service without permission

6. AI-Generated Content

AI-generated content is provided for informational and planning purposes only. It does not constitute professional advice (legal, financial, or otherwise). You should verify all AI-generated outputs before relying on them for business decisions.

We do not claim ownership of AI-generated content created through the Service. However, you grant us a license to store and process this content to provide and improve the Service.

7. User-Generated Content

You retain ownership of content you post to the community forum and other public areas. By posting, you grant us a worldwide, non-exclusive, royalty-free license to display and distribute this content within the Service.

We reserve the right to remove content that violates these terms or applicable laws at our discretion.

8. Limitation of Liability

To the maximum extent permitted by law, Radbit SME Hub shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service. Our total liability is limited to the amount you have paid us in the 12 months preceding the claim.

9. Termination

You may terminate your account at any time through the Settings page. We may suspend or terminate your account for violation of these terms, with or without notice.

Upon termination, your right to use the Service ceases immediately. We will delete your data in accordance with our Privacy Policy and applicable law.

10. Governing Law

These terms are governed by the laws of Zimbabwe. For users in South Africa, South African consumer protection laws also apply. Any disputes shall be resolved through arbitration in Harare, Zimbabwe, or by mutual agreement.

11. Changes to Terms

We may update these terms at any time. Material changes will be communicated via email or a notice on the Service. Continued use after changes constitutes acceptance of the new terms.

12. Contact

For questions about these terms, contact:

• Email: support@radbitsmehub.co.zw
• Legal: legal@radbitsmehub.co.zw
• Zimbabwe: 1st Floor, Union House, 60 Kwame Nkrumah Avenue, Harare