Service Hub North America Inc. – Payment Policy

This Payment Policy ("Policy") governs all payments made and received through the Service Hub North America Inc. platform ("Service Hub", "we", "us", or "our"). By using the platform, both service providers ("Providers") and customers ("Customers") agree to comply with this Policy, which is incorporated into and subject to our Terms of Service.

1. Payment Timing and Methods

1.1 Customers are charged at the time of booking a service.

1.2 Accepted payment methods include major credit and debit cards, Apple Pay, Google Pay, and other secure options provided through our third-party, PCI-compliant payment processor.

1.3 Service Hub does not store full credit or debit card information and is not responsible for any issues arising from third-party payment processing services.

2. Platform Fees and Commissions

2.1 Customer Platform Fee: A non-refundable platform fee of 3% of the service price is added to every booking.

2.2 Provider Commission: A 10% commission is deducted from the total payment received by the Provider for each completed booking.

2.3 All applicable fees are shown at checkout and deducted automatically.

3. Payment Disbursement and Holds

3.1 Payments are held for up to 48 hours after service completion to allow for customer confirmation or dispute filing.

3.2 If no dispute is filed, payment (less applicable fees) is disbursed to the Provider's registered bank account within 3–5 business days, depending on their financial institution.

3.3 Service Hub reserves the right to withhold or delay payments at its sole discretion in cases involving disputes, fraud investigations, excessive complaints, legal obligations, or platform policy violations.

4. Cancellations and Refunds

4.1 Customer Cancellations:

• 48 hours or more before service: Full refund (excluding platform fee).
• 24–48 hours before service: Partial refund (determined by Service Hub).
• Less than 24 hours before service: No refund unless the provider fails to deliver the service.

4.2 Provider Cancellations (within 48 hours of service time):

• Customers will be offered an alternate provider if available.
• If not, the customer will receive a full refund plus a $50 credit for future use.
• Providers who cancel within 48 hours may receive a lower rating and will be charged a $50 cancellation fee.

5. Disputes

5.1 Customers may submit a service dispute within 48 hours of service completion through the app or website.

5.2 Service Hub will investigate in good faith and reserves the right to issue full, partial, or no refunds based on findings.

5.3 Repeated disputes or chargebacks may result in account suspension or termination.

6. Taxes

6.1 Customers are responsible for paying any applicable federal or provincial taxes, which will be calculated based on their service location and shown at checkout.

6.2 Providers are responsible for reporting and remitting any personal or business income taxes related to earnings made through the platform.

7. Chargebacks

7.1 If a customer initiates a chargeback, Service Hub reserves the right to dispute the chargeback with the payment processor.

7.2 If the chargeback is successful, the affected provider may be required to return the related funds.

7.3 Abusive or excessive chargebacks may lead to permanent account termination.

8. Fraud Prevention

8.1 All user activity and transactions are monitored for fraud and suspicious behavior.

8.2 Service Hub may temporarily hold funds, require identity verification, or restrict access to accounts in cases where fraud or misuse is suspected.

9. Liability Disclaimer

9.1 Service Hub North America Inc. is a platform only. We do not directly provide services and are not responsible for service outcomes.

9.2 Service Providers are solely responsible for the services they perform, including the safety and legality of those services.

9.3 Customers are responsible for providing a safe and accurate environment and for following platform guidelines.

9.4 Service Hub is not liable for any damages, losses, injuries, health issues, or disputes arising between customers and providers.

9.5 Providers perform services at their own risk and are solely responsible for any injuries, illnesses, accidents, or losses that may occur while delivering services.

9.6 Neither Service Hub North America Inc. nor its officers, employees, or affiliates shall be held liable for any damages arising from the performance or failure of services booked through the platform.

10. No Employment Relationship

Nothing in this Payment Policy or on the platform shall be construed to create an employer-employee, agency, or joint venture relationship between Service Hub and Providers or Customers.

11. Termination of Access for Non-Compliance

Service Hub reserves the right to suspend or terminate any user account for non-compliance with this Payment Policy, including but not limited to fraud, abuse, or repeated violations of cancellation or dispute terms.

12. Changes to This Policy

We reserve the right to update or modify this Payment Policy at any time. Users will be notified of significant changes through the app, website, or email.