Effective Date: 10th October 2025

Welcome to RefHub. These Terms and Conditions (“Terms”, “Agreement”) govern your use of our website https://refhub.co.ke/ (the “Site”) and any related products, services, or features operated by RefHub (“we”, “us”, or “our”).

By accessing or using our Site, you agree to be bound by these Terms. If you disagree with any part of the Terms, please do not use our website.

1. Use of the Website

You agree to use this Site only for lawful purposes and in accordance with these Terms.
You must not:

• Use the Site in any way that violates applicable laws or regulations.

• Engage in any activity that interferes with or disrupts the Site or its servers.

• Attempt to gain unauthorized access to any part of the Site, its systems, or user accounts.

• Copy, reproduce, sell, or exploit any part of the Site for commercial purposes without written consent from RefHub.

2. Products and Services

RefHub may offer products, listings, or services through this Site.
We strive to ensure accuracy, but we do not warrant that product descriptions, pricing, or other content is error-free.
We reserve the right to:

• Modify or discontinue any product or service at any time without notice.

• Refuse or cancel orders in cases of suspected fraud or pricing errors.

If you make a purchase, you agree to provide accurate and complete billing and contact information.

3. Pricing and Payments

All prices are listed in Kenyan Shillings (KSh) unless otherwise stated.
Payments are processed securely through third-party gateways (e.g., M-PESA, bank payments, or card processors).

By providing payment information, you represent and warrant that:

• You are legally authorized to use the chosen payment method.

• You authorize us or our payment processors to charge the full amount due.

We are not responsible for any fees, delays, or errors caused by third-party payment providers.

4. Shipping and Delivery

Delivery timelines and costs (where applicable) are indicated during checkout.
RefHub will make reasonable efforts to deliver within estimated timelines, but delays may occur due to factors beyond our control (e.g., courier delays, stock issues).
Risk of loss passes to you upon delivery.

5. Returns, Refunds, and Cancellations

If you are not satisfied with a purchase, please contact us within [X] days of delivery.
Eligibility for a return or refund depends on:

• Condition of the product upon return.

• Proof of purchase (receipt or order number).

• Compliance with our return policy.

We reserve the right to deny refund or replacement requests if the returned product is damaged, used, or not in its original packaging.

6. Intellectual Property

All content on this Site — including text, graphics, logos, icons, images, videos, and software — is the property of RefHub or its content suppliers and is protected by intellectual property laws.

You may not:

• Reproduce, distribute, or publicly display any part of the Site without permission.

• Use our trademarks or branding without written authorization.

7. User Accounts (if applicable)

If you create an account on our Site:

• You are responsible for maintaining the confidentiality of your login credentials.

• You must notify us immediately of any unauthorized access or security breach.

• We reserve the right to suspend or terminate accounts that violate these Terms.

8. Limitation of Liability

To the fullest extent permitted by law, RefHub and its affiliates shall not be liable for:

• Any indirect, incidental, or consequential damages;

• Any loss of data, profits, or business interruption arising from your use of the Site or products;

• Any errors, omissions, or interruptions in service.

You agree that your sole remedy for dissatisfaction with the Site is to stop using it.

9. Indemnification

You agree to indemnify and hold harmless RefHub, its directors, employees, and partners from any claim, loss, or damage (including legal fees) arising out of:

• Your use of the Site,

• Your violation of these Terms, or

• Your infringement of third-party rights.

10. Links to Third-Party Sites

Our Site may contain links to external websites or services not owned or controlled by RefHub.
We are not responsible for the content, privacy policies, or practices of any third-party websites.

11. Data Protection & Privacy

Your privacy is important to us.
Please refer to our Privacy Policy for information on how we collect, use, and protect your personal data in compliance with the Kenya Data Protection Act, 2019.

12. Termination

We may suspend or terminate access to our Site immediately, without notice, if you breach these Terms or engage in unauthorized activity.

13. Governing Law

These Terms are governed by and construed in accordance with the laws of the Republic of Kenya.
Any disputes shall be subject to the exclusive jurisdiction of the courts of Kenya.

14. Changes to These Terms

We may update or revise these Terms periodically.
Any changes will be effective immediately upon posting on this page, with the updated “Effective Date” noted above.
Your continued use of the Site constitutes acceptance of the revised Terms.

15. Contact Information

If you have any questions or concerns about these Terms, please contact us at:

RefHub
Email: info@refhub.co.ke
Website: https://refhub.co.ke/