Terms of Use FactHub It

Effective Date: February 12, 2026

1) The Services

FactHub It (the “App”) and related services (the “Services”) are operated by Sphere23 LLC (“Sphere23,” “we,” “us,” or “our”). FactHub It provides information tools that may include AI-assisted analysis, summarization, and commentary about news, markets, and other topics. The Services are provided for informational purposes only.

2) Eligibility

You must be at least 13 years old to use the Services. If you are under the age of majority where you live, you may use the Services only with a parent or legal guardian’s consent and supervision.

3) Account Registration & Security

You may need an account to use certain features. You agree to provide accurate, current information and to keep your login credentials secure. You are responsible for all activity under your account.

4) Subscriptions & Payments Important

FactHub It may offer paid subscriptions that unlock additional features or usage. Subscription availability, features, and pricing are shown in the App or on our website at the time of purchase.

4.1 Apple App Store Auto-Renewable Subscriptions (In-App Purchase)

If you purchase a subscription through Apple In-App Purchase, the following terms apply:

Subscription Title: FactHub It Subscription (Auto-Renewing)
Subscription Length: Monthly (1 month) and Annual (1 year)
Pricing (U.S. reference; may vary by region and taxes): Monthly: $3.99 / month (may include an introductory offer such as $1.99 for the first month, where available); Annual: $29.99 / year
Payment: Payment is charged to your Apple ID at confirmation of purchase.
Auto-Renewal: Subscriptions automatically renew unless canceled at least 24 hours before the end of the current period.
Renewal Charge: Your account will be charged for renewal within 24 hours prior to the end of the current period.
Intro/Trial Periods: If an introductory offer or trial is offered, it converts to the standard recurring price unless you cancel at least 24 hours before the period ends. Any unused portion of a free trial or introductory period (if offered) is forfeited when you purchase a subscription, where applicable.
Manage / Cancel: You can manage or cancel in your Apple account settings (Settings → Apple ID → Subscriptions).
Restore Purchases: You can restore eligible purchases via “Restore Purchases” (if available in the app) or through your Apple ID.
Apple Standard EULA: For Apple devices, this App is licensed, not sold, and your use is also subject to Apple’s Standard EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Note: The actual price and currency are shown in the App Store at purchase time and may vary by country/region.

4.2 Website Subscriptions (Stripe or Other Payment Providers)

If you purchase a subscription on our website, payment may be processed by Stripe or another provider. By subscribing, you authorize recurring charges until cancellation. Renewal timing and cancellation methods will be disclosed at checkout and in your account settings on the website.

4.3 Refunds

Purchases made through Apple are generally governed by Apple’s policies, and refund requests (if any) are handled by Apple. Website purchases are handled under the checkout terms shown at purchase time, unless required otherwise by law.

5) AI-Generated Output & No Professional Advice

Some outputs may be generated by AI and may contain errors, omissions, or outdated information. You are solely responsible for how you use the information. FactHub It does not provide investment, legal, medical, or other professional advice. If you need professional advice, consult a qualified professional.

6) Acceptable Use

You agree not to:

Use the Services for illegal, harmful, or deceptive activities
Attempt to reverse engineer, scrape, disrupt, or overload the Services
Attempt unauthorized access to accounts, systems, or data
Upload or share content that infringes rights, violates privacy, or is unlawful

7) User Content (If Applicable)

If the Services allow you to submit content (“User Content”), you retain your rights in your User Content, but you grant us a non-exclusive, worldwide, royalty-free license to host, use, reproduce, and display it solely to operate and improve the Services. You represent that you have the rights to submit such content.

8) Content Moderation & Safety

If the Services include community or user-generated areas, we may remove content and/or suspend or terminate accounts for violations of these Terms, applicable laws, or safety reasons.

9) Intellectual Property

The Services (including text, design, logos, and software) are owned by Sphere23 or its licensors and protected by applicable intellectual property laws. You may not copy, modify, distribute, sell, or lease any part of the Services unless we give you written permission.

10) Disclaimers

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

11) Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SPHERE23 WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR DATA, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICES.

IN ANY EVENT, TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ANY CLAIM WILL NOT EXCEED THE AMOUNT YOU PAID TO US (IF ANY) FOR THE SERVICES IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM.

Some jurisdictions do not allow certain limitations; in that case, the limitation applies to the fullest extent permitted.

12) Termination

You may stop using the Services at any time. We may suspend or terminate your access if you violate these Terms, if required by law, or to protect the Services or other users.

13) Changes to the Services or Terms

We may update the Services and these Terms from time to time. If we make material changes, we will provide notice by updating the Effective Date and/or through the Services. Continued use after changes means you accept the updated Terms.

14) Privacy

Our Privacy Policy explains how we collect, use, and share information.
Privacy Policy: privacy_en.php (replace this link if your privacy policy uses a different URL)

15) Contact Us

Sphere23 LLC
Attn: Legal / Support
Email: admin@facthubit.com

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