Effective Date: January 2026
These Terms of Use (“Terms”) govern your access to and use of the CChub website and WhatsApp-based services (collectively, the “Platform”). By accessing or using CChub, you agree to be legally bound by these Terms.
If you do not agree, you must not use the Platform.
1. Nature of the Service
CChub is a Zimbabwe-based digital platform that enables users to initiate and manage bill payments via WhatsApp using supported third-party mobile money and payment service providers.
CChub operates strictly as a technology and transaction facilitation platform.
CChub:
- Is not a bank, deposit-taking institution, or mobile money operator
- Does not issue accounts or wallets
- Does not store, hold, or control user funds
- Does not provide financial, investment, or legal advice
All payments are processed by licensed third-party providers under their own terms, rules, and regulatory frameworks.
2. Acceptance & Eligibility
By using the Platform, you confirm that:
- You are legally capable of entering binding agreements under the laws of Zimbabwe
- You are the lawful user of the WhatsApp number and payment method used
- You will use the Platform only for lawful and authorized purposes
CChub may refuse service where these conditions are not met.
3. Platform Access
3.1 Website
The CChub website is used solely to searching a service provider for the purpose of initiating a WhatsApp conversation.
No payments or transactions are conducted on the website.
3.2 WhatsApp Services
All transactions and service interactions occur through the CChub WhatsApp bot.
You are responsible for:
- Reviewing transaction details before confirmation
- Ensuring accuracy of bill references, amounts, and service providers
- Authorizing payments through your chosen payment provider
4. Transactions & Payments
Transactions are executed by third-party payment and mobile money providers.
Transaction success depends on provider systems, network availability, and user authorization.
Once a transaction is authorized with a payment provider, it may be final and irreversible.
CChub does not guarantee successful completion of any transaction.
5. Fees
CChub charges a service fee on supported transactions, excluding airtime purchases, unless otherwise stated at the time of the transaction.
The fee is displayed in the WhatsApp conversation before you make a payment.
Third-party providers may charge additional fees beyond CChub’s control.
6. Records & Logs
CChub maintains system and transaction logs for:
- Operational continuity
- Reconciliation and dispute handling
- Fraud detection and prevention
- Legal and regulatory compliance
These records may be relied upon as evidence unless shown to be materially incorrect.
7. Service Availability
CChub does not guarantee uninterrupted or error-free service.
The Platform may be unavailable due to:
- Network or connectivity failures
- WhatsApp service outages
- Third-party provider downtime
- Maintenance or security updates
- Events beyond reasonable control
8. User Conduct
You agree not to:
- Use the Platform for fraudulent or unlawful purposes
- Attempt to bypass safeguards, limits, or security controls
- Interfere with system integrity or availability
- Misrepresent identity or payment authority
CChub may suspend or terminate access without notice where misuse or legal risk is identified.
9. Intellectual Property
All platform content, systems, workflows, trademarks, and software are the property of CChub or its licensors.
Unauthorized copying, modification, or reverse engineering is prohibited.
10. Limitation of Liability
To the maximum extent permitted under Zimbabwean law:
- CChub is not liable for indirect, incidental, or consequential losses
- CChub is not responsible for losses arising from third-party payment providers
- CChub’s total liability, if any, shall not exceed the value of the specific transaction in dispute
Use of the Platform is at your own risk.
11. Indemnity
You agree to indemnify and hold harmless CChub, its operators, partners, and affiliates from claims or losses arising from:
- Your misuse of the Platform
- Breach of these Terms
- Violation of applicable laws or third-party rights
12. Regulatory Position
CChub operates in compliance with applicable Zimbabwean laws governing electronic transactions and consumer protection.
Nothing in these Terms shall be interpreted as creating a regulated financial service beyond permitted facilitation activities.
13. Suspension & Termination
CChub may suspend or terminate access:
- To comply with legal or regulatory obligations
- Where fraud, abuse, or system risk is suspected
- For maintenance or security reasons
No liability arises from lawful suspension or termination.
14. Amendments
CChub may amend these Terms at any time. Updated Terms will be posted on the website.
Continued use constitutes acceptance of the amended Terms.
15. Governing Law & Jurisdiction
These Terms are governed by the laws of the Republic of Zimbabwe.
All disputes are subject to the exclusive jurisdiction of Zimbabwean courts.
16. Contact
For questions regarding these Terms, contact us.