Terta Hub LLC
Effective date: November 1, 2026

These Terms of Use ("Terms") apply to your use of www.tertahub.com (the "Site"), operated by Terta Hub LLC, a Wyoming (USA) limited liability company ("Terta Hub", "we", "us", "our"). By using the Site, you agree to these Terms. If you do not agree, please do not use the Site.

1. Using the Site

You may use the Site for lawful, personal, and business learning purposes. You agree not to:

Break any law or anyone else's rights while using the Site.
Try to hack, disrupt, or overload the Site.
Copy, scrape, or resell Site content without our written permission.
Submit false information, such as someone else's email address.

We may change, suspend, or remove any part of the Site at any time.

2. Free Resources

We offer free resources, such as the PDF "10 AI Prompts to Save Time Every Week" and our weekly R.A. newsletter. These are provided "as is" and "as available", for general information and education only. We do not promise they are complete, error-free, or suitable for your specific situation.

Nothing on the Site or in our emails is legal, financial, tax, medical, or other professional advice. Get advice from a qualified professional before making important decisions.

3. No Guarantee of Income or Results

We teach skills and share ideas about AI, online business, and making money online. We do not guarantee any income, earnings, or business results.

Any examples, testimonials, or results we share are not typical and are not a promise that you will get the same outcome. Your results depend on many factors, including your effort, skills, experience, market conditions, and things outside anyone's control. Starting or running any business involves risk, including the risk of losing money. You are fully responsible for your own decisions and results.

4. Affiliate Disclosure

Some links on the Site and in our emails are affiliate links. This includes our link to Digital Boss Academy on Stan Store. If you buy through an affiliate link, Terta Hub may earn a commission, at no extra cost to you.

We only promote products we believe may be useful, but you should do your own research before buying. Purchases made through third-party platforms (such as Stan Store) are governed by that seller's terms, refund policies, and privacy policies, not ours.

5. Courses, Digital Products, and Services — All Sales Are Final

Paid courses, digital products, and insurance verification and credentialing support services may have their own terms and pricing, which will be shown at the time of purchase or in a separate agreement.

All sales are final. All purchases of courses, digital products, downloads, and services are final and non-refundable once access or delivery has been provided, except where a refund is required by applicable law. Because digital products are delivered instantly, no cancellation or "cooling-off" period applies, to the extent permitted by law.

6. Intellectual Property

All content on the Site, including text, PDFs, newsletters, graphics, logos, videos, and course materials, is owned by Terta Hub LLC or its licensors and is protected by copyright and other laws.

You may download and use our free resources for your own personal or internal business use. You may not copy, resell, republish, or share them as your own without our written permission. "Terta Hub" and related names and logos are our brand identifiers and may not be used without permission.

7. Third-Party Links

The Site links to third-party sites and platforms, including our WhatsApp channel, Facebook, Instagram, X, YouTube, and Stan Store. We do not control these sites and are not responsible for their content, products, or policies. Your use of them is at your own risk and subject to their own terms.

8. Disclaimer of Warranties

To the fullest extent allowed by law, the Site and all content are provided "as is", without warranties of any kind, whether express or implied, including warranties of accuracy, fitness for a particular purpose, and non-infringement.

9. Limitation of Liability

To the fullest extent allowed by law, Terta Hub LLC, its owner, and its team will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, income, data, or business opportunities, arising from your use of (or inability to use) the Site, our free resources, or any third-party sites or products.

Where liability cannot be excluded, our total liability to you for any claim related to the Site will not exceed the greater of the amount you paid us in the 12 months before the claim, or USD $100.

Some countries and states do not allow certain limits on liability, so some of these limits may not apply to you. Nothing in these Terms limits rights you have under consumer protection laws that cannot be waived.

10. Indemnity

You agree to hold Terta Hub LLC harmless from claims, losses, and costs (including reasonable legal fees) arising from your misuse of the Site or your breach of these Terms.

11. Resolving Disputes and Governing Law

Talk to us first. Before filing any claim, complaint, or chargeback, you agree to email us at info@tertahub.com, describe the issue, and try in good faith to resolve it informally with us within 30 days.

Governing law and venue. If the issue is not resolved within 30 days, these Terms are governed by the laws of the State of Wyoming, USA, without regard to its conflict-of-law rules, and any claim must be brought in the state or federal courts located in Sheridan County, Wyoming.

Individual claims only. To the extent permitted by law, any claim must be brought on an individual basis only, and not as a plaintiff or class member in any class, collective, or representative action.

12. Changes to These Terms

We may update these Terms from time to time. The "Effective date" at the top shows when they were last changed. By continuing to use the Site after changes are posted, you accept the updated Terms.

13. Privacy

Our Privacy Policy, available at https://www.tertahub.com/privacy-policy, explains how we handle your personal information.

14. Contact Us

Terta Hub LLC
30 N Gould St, Ste R
Sheridan, WY 82801, USA
Email: info@tertahub.com