About Cubrin

1. Overview

Cubrin is a technology platform that connects users with nearby independent vendors such as food vendors, restaurants, grills, snack providers, and other local merchants.

Through the Cubrin mobile application, users can discover nearby places, place orders, coordinate payments, and interact with vendors and friends in a structured, commerce-focused environment.

Cubrin's primary purpose is to make local commerce more accessible, organized, and convenient.

2. What Cubrin Does

Cubrin provides a digital marketplace and infrastructure that enables:

• discovery of nearby vendors based on user location,
• browsing of vendor menus and items,
• placing and tracking orders,
• in-app payments using a closed-loop platform balance,
• split payments and shared bill coordination,
• "pay-for-me" and peer-assisted payment requests,
• vendor communication related to orders,
• reviews and feedback on vendors and services.

Cubrin acts as a facilitator between users and independent vendors.

3. What Cubrin Is Not

To avoid misunderstanding, Cubrin is not:

• a bank or financial institution,
• a money transfer service,
• a credit or lending provider,
• a food production or delivery company,
• or a direct seller of goods or services.

Cubrin does not own or operate the vendors listed on the platform and does not control their pricing, inventory, or fulfillment operations.

4. Independent Vendors

All vendors on Cubrin operate as independent businesses. They are solely responsible for:

• product quality and availability,
• pricing accuracy,
• order fulfillment,
• business operations,
• and compliance with applicable laws and regulations.

Cubrin provides the tools for vendors to connect with customers but does not control their day-to-day operations.

5. Payments and Platform Balance

Cubrin may provide users with a limited-purpose platform balance used exclusively for transactions within the Cubrin ecosystem. This balance is used only for:

• purchasing goods and services within Cubrin,
• completing split payments,
• and facilitating platform transactions.

It is not a bank account, is not interest-bearing, and cannot be used outside the Cubrin platform. Payments are processed using third-party payment providers, and Cubrin does not directly operate as a financial institution.

6. Communication and Social Features

Cubrin includes structured communication tools that allow users to interact in relation to:

• orders,
• payments,
• shared bills,
• and approved connections between users.

Messaging is permission-based and not an open public chat system.

7. User Experience

Users can:

• discover nearby vendors,
• place and track orders,
• interact with friends for shared payments,
• submit reviews and feedback,
• and manage their platform activity and balance.

All actions within Cubrin are designed to support local commerce interactions.

8. Platform Role

Cubrin is a neutral technology platform that facilitates connections and transactions between users and independent vendors. Cubrin does not:

• guarantee vendor performance,
• control vendor pricing or inventory,
• or assume responsibility for goods or services provided by vendors.

9. Relationship to Other Policies

This document provides a general overview of Cubrin. Detailed rules governing usage, payments, privacy, vendor responsibilities, disputes, and refunds are outlined in the respective legal policies available on the platform. In case of conflict, the specific policy documents shall take precedence over this overview.

10. Updates

Cubrin may update this document from time to time to reflect product, legal, or operational changes. Continued use of the platform indicates acceptance of updates.

Cubrin Balance Disclaimer

The Cubrin Balance is a limited-purpose transactional feature designed solely to facilitate purchases, refunds, split payments, and other commerce-related activities within the Cubrin platform.

The Cubrin Balance is not a bank account, deposit account, savings product, investment product, or digital wallet offered as a standalone financial service.

Cubrin does not provide banking or financial advisory services. All payment processing and payment authorization services are facilitated through licensed third-party payment providers.

Funds added to a Cubrin Balance may only be used for transactions within the Cubrin platform and may not be treated as personal deposits or stored monetary assets outside the intended use of the platform.

Cubrin reserves the right to place holds, reverse transactions, issue refunds, restrict access, or suspend balances where necessary for fraud prevention, dispute resolution, compliance, operational integrity, or platform security.

Escrow and Transaction Holds

To support secure marketplace transactions, Cubrin may temporarily hold transaction amounts pending vendor confirmation, order completion, dispute resolution, refund processing, or fraud review.

Such temporary holds are intended solely to facilitate commerce transactions between users and vendors on the platform and do not constitute custodial banking or investment services.

Users acknowledge and agree that transaction settlement timelines may vary depending on payment provider processing, vendor confirmation, dispute investigations, or operational reviews.

Platform Role

Cubrin operates as a technology and marketplace platform that connects users with nearby vendors, food businesses, and commerce providers.

Cubrin is not a restaurant operator, delivery carrier, bank, financial institution, money transmission business, or licensed escrow institution unless otherwise expressly stated.

Payment services available through the platform are provided in collaboration with licensed third-party payment processors and infrastructure providers.

Cubrin Terms of Service

1. Introduction

Welcome to Cubrin. Cubrin is a technology platform that connects users with nearby food vendors, local businesses, and commerce providers through discovery, ordering, social interaction, and transaction facilitation features. By creating an account, accessing, or using Cubrin, you agree to comply with and be bound by these Terms of Service. If you do not agree to these Terms, you may not use the platform. These Terms apply to: Cubrin consumer applications, Cubrin Vendors, websites, APIs, messaging systems, wallet and balance features, and related services operated by Cubrin.

2. Eligibility

You must be legally capable of entering binding agreements under applicable laws to use Cubrin. By using Cubrin, you represent that: the information you provide is accurate, you will maintain the security of your account, you will not impersonate another person or business, and you will comply with all applicable laws and regulations. Cubrin reserves the right to suspend, restrict, or terminate accounts that violate these Terms.

3. User Accounts

Users may create accounts using: email address, password, and optional referral information. Users may be required to verify their identity through one-time passwords (OTP) sent to their registered email address during registration, login, security updates, or account recovery. Users are responsible for: maintaining the confidentiality of login credentials, all activities occurring under their account, ensuring contact details remain accurate and up to date. Users may: edit profile information, manage addresses, manage passwords, manage linked contact details, add or remove friends, submit reviews, track orders, manage balances, and use social commerce features available on the platform. Cubrin may suspend or restrict access where suspicious activity, fraud, abuse, or policy violations are detected.

4. Location Services

Cubrin uses device location services, including latitude and longitude data, to: show nearby vendors and shops, improve discovery accuracy, assist with delivery coordination, support address management, and improve platform functionality. By using Cubrin, users consent to the collection and processing of location-related information in accordance with the Privacy Policy. Users may disable location permissions through device settings; however, certain features may become unavailable or less accurate.

5. Social Features

Cubrin may provide social interaction features including: friend connections, messaging systems, split bill requests, pay-for-me requests, review interactions, and engagement systems. Users are solely responsible for communications and interactions conducted through the platform. Prohibited conduct includes: harassment, impersonation, fraud, spam, abusive behavior, illegal transactions, or misuse of social features. Cubrin reserves the right to monitor, review, remove, restrict, or investigate activity where necessary for safety, compliance, fraud prevention, operational integrity, or legal obligations. Removing a friend connection does not automatically delete historical chats or transaction records.

6. Orders and Transactions

Cubrin facilitates transactions between users and vendors. When an order is placed: payment authorization is processed, transaction amounts may be temporarily held, vendors may confirm or decline order availability, users may track order progress through the platform. Vendors are responsible for: item availability, pricing accuracy, preparation quality, order fulfillment, and operational readiness. Cubrin does not guarantee: uninterrupted service, vendor availability, delivery timing, item quality, or vendor performance. Users may cancel orders subject to applicable cancellation conditions and operational status.

7. Split Bills and Pay-for-Me Features

Cubrin may allow users to: split transaction costs, request payment contributions, or send pay-for-me requests to other users. Users acknowledge that: participation in shared payment activity is voluntary, payment disputes between users remain the responsibility of the participating users, Cubrin is not responsible for interpersonal financial disagreements, and Cubrin does not guarantee payment completion by other users. Cubrin reserves the right to investigate misuse or fraudulent activity involving shared payment systems.

8. Cubrin Balance

Cubrin may provide users with a limited-purpose transactional balance used solely for commerce-related activity within the platform. The Cubrin Balance: is not a bank account, is not a savings product, is not an investment product, and is not intended for general money transfer services outside the Cubrin ecosystem. Balances may be used for: payments, refunds, split bill transactions, escrow-supported transactions, and authorized marketplace activity. Cubrin may: place temporary holds, reverse transactions, issue refunds, restrict access, or suspend balances where necessary for fraud prevention, disputes, operational reviews, or legal compliance. Payment processing services may be provided through licensed third-party payment infrastructure providers.

9. Escrow and Transaction Holds

To support secure marketplace activity, Cubrin may temporarily hold transaction amounts pending: order confirmation, dispute investigations, refund processing, fraud reviews, or operational verification. Transaction holds do not constitute custodial banking or investment services. Funds associated with completed orders may be released to vendors upon successful order confirmation through Cubrin systems.

10. Reviews and User Content

Users may submit: reviews, ratings, comments, messages, and other platform content. By submitting content, users grant Cubrin a non-exclusive license to: display, reproduce, moderate, and distribute such content within the platform. Users may not submit: false information, defamatory material, illegal content, abusive content, misleading reviews, or spam. Cubrin reserves the right to remove or moderate content at its sole discretion.

11. Vendor Accounts

Vendor accounts are subject to onboarding, verification, operational review, and ongoing compliance requirements. Vendors may be required to provide: identity verification documents, business information, banking information, operational details, and additional compliance documentation. Cubrin reserves the right to: approve or reject vendors, suspend vendor visibility, review categories and items, moderate listings, or restrict vendor functionality. Verification status does not constitute endorsement, certification, or guarantee by Cubrin.

12. KYC and Verification

Cubrin may require vendors to complete identity and business verification processes, including: government-issued identity verification, business registration verification, banking verification, and operational review procedures. Cubrin reserves the right to: request additional documentation, reject incomplete submissions, suspend accounts pending verification, or remove vendors from the platform.

13. Settlements and Vendor Payouts

Vendors may request settlement of eligible balances to linked bank accounts. Settlement requests may be subject to: operational review, fraud monitoring, transaction verification, payment provider processing timelines, or compliance checks. Cubrin may delay, reverse, or restrict settlements where suspicious activity or disputes are identified.

14. Platform Availability

Cubrin does not guarantee uninterrupted access to the platform. Services may be temporarily unavailable due to: maintenance, outages, third-party failures, operational updates, security incidents, or technical limitations. Cubrin reserves the right to modify, suspend, or discontinue features at any time.

15. Prohibited Activities

Users and vendors may not: engage in fraud, manipulate transactions, abuse refund systems, impersonate others, misuse payment systems, violate intellectual property rights, upload harmful software, or engage in unlawful conduct. Cubrin may investigate violations and cooperate with law enforcement where required.

16. Limitation of Liability

Cubrin provides services on an "as is" and "as available" basis. To the maximum extent permitted by law, Cubrin shall not be liable for: indirect damages, lost profits, vendor misconduct, transaction disputes, delivery delays, user-generated content, or service interruptions. Cubrin's total liability relating to a transaction shall not exceed the amount directly associated with the disputed transaction unless otherwise required by applicable law.

17. Account Suspension and Termination

Cubrin may suspend, restrict, or terminate accounts where: policy violations occur, fraud is suspected, operational risks arise, legal obligations require action, or platform abuse is identified. Users may discontinue use of the platform at any time. Certain transaction records, chats, or compliance records may be retained where necessary for legal, security, operational, or regulatory purposes.

18. Changes to These Terms

Cubrin may update these Terms periodically. Continued use of the platform after updates constitutes acceptance of the revised Terms. Users are encouraged to review the Terms regularly.

19. Contact Information

Questions regarding these Terms may be directed to Cubrin support through official communication channels provided within the platform.

Cubrin Privacy Policy

1. Introduction

Cubrin respects your privacy and is committed to protecting your personal data. This Privacy Policy explains how we collect, use, store, and protect your information when you use the Cubrin platform, including the Cubrin consumer app and Cubrin Vendors app. By using Cubrin, you agree to the collection and use of information in accordance with this Privacy Policy.

2. Information We Collect

2.1 Account Information: Email address, Password (securely encrypted), Profile name, Contact information (including WhatsApp number and calling line where provided), Referral information (optional).

2.2 Location Information: We collect location data (latitude and longitude) to show nearby vendors and shops, improve search relevance, support delivery and order coordination, enhance platform experience. Location data may be collected when the app is in use and, where permitted by your device settings, in the background.

2.3 Usage and Activity Data: We collect information about how you interact with Cubrin, including: searches and viewed shops, orders placed and order history, interactions with vendors, reviews and ratings, split bill and payment requests, pay-for-me requests, navigation behavior within the app.

2.4 Messages and Communications: Cubrin provides an in-app messaging system that allows users to communicate with friends and vendors. We store: chat messages, message metadata (timestamps, participants), delivery status (sent, delivered, read where applicable).

2.5 Payment and Transaction Data: We collect information related to: top-ups to Cubrin Balance, order payments, refunds, platform fees, escrow holds, transaction history. Payment processing is handled by licensed third-party payment providers. Cubrin does not directly store full payment card details.

2.6 Vendor Information: For vendors, we collect: business name and profile details, identity verification documents, KYC information, bank account details for settlements, shop listings, categories, and item data.

3. Local Device Storage (On-Device Data)

To improve performance and user experience, Cubrin stores certain data locally on your device using secure storage mechanisms such as SharedPreferences or equivalent local storage systems. This may include: authentication access tokens, session identifiers, cached user profile information, cached chat messages for faster loading, app settings and preferences, temporary identifiers used to recognize your device and session. This data remains stored on your device and is used to: keep you logged in, improve app speed and responsiveness, enable offline or low-latency access to recent activity, reduce repeated network requests. You may clear local data by logging out or clearing app storage via your device settings.

4. How We Use Your Information

We use collected data to: operate and improve the Cubrin platform, match users with nearby vendors, process orders and payments, enable social features (friends, chat, split bills), provide customer support, detect fraud and prevent abuse, comply with legal obligations, analyze platform usage and performance.

5. Data Sharing

We may share information with: vendors (only necessary order-related data), payment processors, delivery or logistics partners (if applicable), analytics providers, legal authorities where required by law. We do not sell personal data.

6. Data Retention

We retain data only as long as necessary to: provide services, comply with legal obligations, resolve disputes, enforce agreements, prevent fraud or abuse. Chat history, transaction records, and account data may be retained even after account deletion where required for legal or operational reasons.

7. Security

We implement reasonable technical and organizational measures to protect your data, including: encryption of sensitive data, secure authentication systems, access control mechanisms, secure payment processing through third-party providers. However, no system is 100% secure, and we cannot guarantee absolute security.

8. Location Data

You may control location permissions through your device settings. Disabling location may limit certain features of the platform.

9. User Rights

Depending on your jurisdiction, you may have rights to: access your data, request correction, request deletion, restrict processing, withdraw consent where applicable.

10. Changes to This Policy

We may update this Privacy Policy periodically. Continued use of Cubrin after updates constitutes acceptance of the revised policy.

11. Contact

If you have questions about this Privacy Policy, you may contact Cubrin support through the app.

Cubrin Payment & Balance Policy

1. Overview

This Payment & Balance Policy explains how payments, the Cubrin Balance, refunds, escrow, and transaction processing operate within the Cubrin platform. Cubrin is a technology platform that facilitates transactions between users and vendors. Cubrin does not operate as a bank, money service business, or financial institution. The Cubrin Balance is a closed-loop, limited-purpose balance used only for transactions within the Cubrin ecosystem.

2. Cubrin Balance

The Cubrin Balance is a platform-based transactional balance that allows users to pay for goods and services within Cubrin. Important clarifications: Cubrin Balance is not a bank account. Cubrin Balance is not a deposit account. Cubrin Balance is not a savings or investment product. Cubrin does not provide financial or banking services. Funds in the Cubrin Balance: may only be used for purchases, orders, and platform transactions within Cubrin, cannot be transferred outside the Cubrin platform, are not redeemable as cash, and are not intended for general money transmission.

3. Funding the Balance

Users may add funds to their Cubrin Balance using supported third-party payment providers. All payment processing is handled by licensed third-party payment processors. Cubrin does not directly process or store full card or banking credentials.

4. Payment Processing

When a user makes a payment: the required amount is deducted from the Cubrin Balance or authorized payment method, funds may be temporarily held in escrow pending order confirmation, and transactions are recorded in the user's activity history.

5. Escrow and Transaction Holds

Cubrin may temporarily hold transaction funds to ensure safe marketplace operations. Funds may be held: until an order is confirmed, until goods or services are delivered, during dispute resolution, or during fraud and compliance reviews. Escrow holds are strictly for facilitating marketplace transactions and do not represent banking, custodial, or investment services.

6. Refunds

Refunds may be issued under circumstances such as: order cancellation, vendor inability to fulfill an order, failed or incomplete transactions, or platform-initiated adjustments. Refunds may be credited back to: Cubrin Balance, or the original payment method, depending on processing conditions and third-party provider rules.

7. Failed Payments

If a payment fails: the transaction will not be completed, no order will be confirmed, and any temporary authorization will be reversed where applicable.

8. Chargebacks and Reversals

In cases of chargebacks initiated through external payment providers: Cubrin may temporarily freeze the associated account or balance, reverse transactions where necessary, and investigate the activity for fraud or misuse. Users agree that chargeback abuse may result in account restrictions or suspension.

9. Vendor Settlements

Vendor earnings accumulated within Cubrin are tracked in a separate internal ledger. Vendors may request settlement payouts to their linked bank accounts, subject to: verification checks, fraud and compliance review, and processing timelines of third-party providers. Cubrin reserves the right to delay or withhold settlements where necessary for risk management or dispute resolution.

10. Platform Role Disclaimer

Cubrin operates solely as a technology and marketplace platform that connects users and vendors. Cubrin does not: operate as a bank, provide money transfer services, offer stored value accounts, provide lending or credit services, or act as a financial intermediary beyond facilitating platform transactions.

11. Changes to This Policy

Cubrin may update this Policy at any time. Continued use of the platform constitutes acceptance of any updates.

12. Contact

For questions regarding payments or balances, users may contact Cubrin support through official in-app channels.

Cubrin Vendor Terms

1. Introduction

These Vendor Terms govern the relationship between Cubrin and all vendors using the Cubrin Vendors platform. By registering as a vendor, you agree to comply with these Terms, Cubrin's policies, and all applicable local laws and regulations. Cubrin provides a technology platform that enables vendors to list products, receive orders, manage inventory, and process transactions from customers. Cubrin does not act as a restaurant, retailer, or direct seller of goods.

2. Vendor Eligibility

To operate on Cubrin, vendors must: provide accurate business and identity information, complete required verification processes (including KYC where applicable), maintain valid contact and banking details, comply with Cubrin's onboarding and compliance requirements. Cubrin reserves the right to approve, reject, or remove any vendor at its discretion.

3. Vendor Responsibilities

Vendors are solely responsible for: the accuracy of all product listings, pricing correctness, product availability, preparation and fulfillment of orders, compliance with hygiene, safety, and legal standards, timely response to orders and customer requests. Vendors must ensure that all information displayed on their shop profile remains accurate and up to date.

4. Order Fulfillment

Once an order is received, vendors must: confirm or reject the order within the required timeframe, prepare the order as described, mark the order status accurately within the system, ensure proper handover or delivery procedures are followed. Failure to consistently fulfill orders may result in reduced visibility, suspension, or removal from the platform.

5. Pricing and Accuracy

Vendors agree that: all prices listed on Cubrin must be accurate and up to date, pricing discrepancies are the vendor's responsibility, Cubrin is not liable for incorrect pricing or listing errors, vendors may not intentionally mislead customers regarding pricing or product details. Cubrin reserves the right to adjust or remove listings that violate pricing integrity standards.

6. Prohibited Items and Listings

Vendors may not list or sell items that are: illegal under applicable laws, unsafe or hazardous, misleading or fraudulent, restricted by Cubrin platform policies, or otherwise prohibited under regulatory requirements. Cubrin reserves the right to remove any item or category that violates platform standards or legal obligations.

7. Order Disputes and Adjustments

In cases where items are unavailable or orders require modification: vendors may propose order adjustments, customers must approve or reject adjustments before fulfillment continues. Cubrin may intervene in disputes to ensure fair resolution and platform integrity. Repeated disputes or misuse of the system may result in vendor penalties or suspension.

8. Refunds and Cancellations

Vendors may be responsible for refunds where: they are unable to fulfill an order, incorrect items are provided, or platform policies require reversal. Cubrin may process refunds directly where necessary and deduct corresponding amounts from vendor balances or settlements.

9. Compliance with Laws

Vendors must comply with all applicable: food safety regulations, business registration requirements, tax obligations, health and safety laws, and other regulatory requirements in their jurisdiction. Vendors are solely responsible for ensuring lawful operation of their business.

10. Verification (KYC and Approval)

All vendors must complete Cubrin's verification process before being fully activated on the platform. This may include: identity verification, business registration (where applicable), banking verification, shop profile validation, and additional compliance checks. Cubrin reserves the right to: approve or reject vendors, request additional documentation, suspend listings pending verification, or permanently remove vendors failing compliance requirements.

11. Shop Content and Listings

Vendors are responsible for: creating accurate shop categories, submitting valid product information, ensuring images and descriptions reflect real offerings, maintaining updated availability and operational hours. All listings may be subject to Cubrin review before being made publicly visible.

12. Payments and Settlements

Vendor earnings are recorded in a Cubrin internal ledger. Settlements may be subject to: verification checks, fraud prevention reviews, order confirmation status, and third-party payment processing timelines. Cubrin reserves the right to delay or withhold settlements in cases of: suspected fraud, disputes, chargebacks, or policy violations.

13. Platform Role Disclaimer

Cubrin is a technology platform that facilitates connections between vendors and customers. Cubrin does not: operate as a food service provider, guarantee product quality or availability, act as a delivery company, or assume responsibility for vendor operations.

14. Suspension and Termination

Cubrin may suspend or terminate vendor accounts if: terms are violated, fraud or abuse is suspected, repeated order failures occur, or regulatory compliance is not maintained. Vendors may appeal suspension through Cubrin's support channels where applicable.

15. Changes to Terms

Cubrin may update these Vendor Terms at any time. Continued use of the platform constitutes acceptance of any updates.

Cubrin Liability & Responsibility Matrix

1. Purpose of This Document

This document defines the allocation of responsibilities between Cubrin, users, vendors, and third-party service providers within the Cubrin platform. It is intended to clarify operational roles and limit liability exposure by establishing that Cubrin operates as a technology platform facilitating interactions between independent parties.

2. Platform Role (Cubrin)

Cubrin operates as a technology platform that: connects users with independent vendors, enables discovery of nearby shops and products, facilitates ordering and communication, provides tools for payments, split bills, and order tracking, supports transaction processing through third-party providers. Cubrin does NOT: own or operate any vendor businesses, produce or sell food or goods, guarantee product quality or availability, control vendor pricing or inventory, act as a delivery service provider. Cubrin's role is limited to providing platform infrastructure and facilitating interactions between parties.

3. Vendor Responsibilities

Vendors are fully responsible for: accuracy of all product listings and pricing, availability of items, preparation and fulfillment of orders, quality and safety of goods or services, compliance with applicable laws and regulations, timely handling of orders and customer requests, maintaining accurate business profiles and operational details. Vendors are independent entities and are solely responsible for their commercial activities on the platform.

4. User Responsibilities

Users are responsible for: maintaining accurate account information, safeguarding login credentials, ensuring payment methods and balances are used appropriately, reviewing order details before confirmation, participating responsibly in split payments and pay-for-me requests, complying with platform rules and applicable laws. Users acknowledge that: participation in shared payments is voluntary, Cubrin does not guarantee payment completion by other users, disputes between users are their own responsibility.

5. Third-Party Service Providers

Certain services within Cubrin are provided by third-party providers, including but not limited to payment processing and infrastructure services (e.g. Paystack, Nigerian financial technology company). These providers are responsible for: payment processing, transaction authorization, banking integrations, and related financial infrastructure services. Cubrin is not responsible for failures or delays caused by third-party service providers.

6. Payments and Escrow Responsibility

Cubrin facilitates transactions between users and vendors and may temporarily hold funds in escrow to ensure secure order completion. Responsibilities are allocated as follows: Users are responsible for initiating payments for valid orders. Vendors are responsible for fulfilling confirmed orders. Third-party providers are responsible for processing payments. Cubrin is responsible for coordinating the transaction flow within the platform. Escrow mechanisms are used strictly to support marketplace transactions and do not represent banking or custodial services.

7. Order Fulfillment Responsibility

Order fulfillment is solely the responsibility of vendors. Cubrin does not: prepare orders, guarantee delivery timelines, control inventory, or ensure product quality. Users must resolve product or service issues directly with vendors, although Cubrin may assist in dispute mediation where appropriate.

8. Disputes and Liability Allocation

Cubrin may assist in resolving disputes between users and vendors but does not guarantee outcomes. Cubrin is not liable for: vendor non-performance, user misuse of the platform, inaccurate listings provided by vendors, failed or delayed transactions caused by third parties, disputes between users regarding shared payments.

9. Limitation of Liability

To the maximum extent permitted by law: Cubrin shall not be liable for any indirect, incidental, special, or consequential damages arising from: use of the platform, transactions between users and vendors, vendor performance or non-performance, payment delays or processing errors, or third-party service failures. Cubrin's liability, if any, shall be limited to the amount associated with the specific transaction giving rise to the claim.

10. Platform Independence Clause

Cubrin is a neutral technology platform that facilitates connections between independent users and vendors. Nothing in this document creates: a partnership, joint venture, employment relationship, or agency relationship between Cubrin and any vendor or user. All vendors operate as independent businesses.

11. Changes to This Document

Cubrin may update this document at any time. Continued use of the platform constitutes acceptance of any changes.

12. Contact

For questions regarding responsibilities or liability allocation, users may contact Cubrin support through official in-app channels.

No Guarantee of Vendor Quality Policy

1. Purpose

This Policy explains the limitations of Cubrin's responsibility regarding vendor-provided goods, services, and listings on the platform. Cubrin acts solely as a technology platform that connects users with independent vendors and does not control or guarantee vendor performance.

2. Vendor Independence

All vendors listed on Cubrin are independent third-party businesses. Cubrin does not: own or operate vendor businesses, control vendor pricing or inventory, supervise food preparation or service delivery, or guarantee vendor operational standards. Vendors are solely responsible for their listings, products, and services.

3. No Guarantee of Quality

Cubrin does not guarantee, warrant, or make any representation regarding: food or product quality, taste, freshness, or hygiene standards, accuracy of product descriptions or images, availability of listed items, or consistency of vendor offerings. Users acknowledge that vendor offerings may vary over time and may not always match expectations or prior experiences.

4. Availability and Listing Accuracy

Vendor listings on Cubrin are provided directly by vendors and may change without notice. Cubrin does not guarantee that: items listed are always available, prices remain constant, menu items or products remain unchanged, or vendor operating hours are accurate at all times. Users are encouraged to verify details directly through the platform before placing orders.

5. Delivery and Fulfillment

Cubrin does not guarantee: delivery times, order preparation time, courier performance (where applicable), or fulfillment speed. Delivery and order completion are the responsibility of the vendor or any third-party logistics provider involved in the transaction.

6. User Acknowledgment

By using Cubrin, users acknowledge and agree that: they are engaging directly with independent vendors, Cubrin is not responsible for vendor performance, and any dissatisfaction with goods or services must be addressed primarily with the vendor. Cubrin may assist in dispute resolution but does not guarantee outcomes or vendor compliance beyond platform policies.

7. Limitation of Responsibility

To the maximum extent permitted by law, Cubrin shall not be held liable for any loss, damage, or dissatisfaction arising from: vendor goods or services, inaccurate listings, delayed or failed deliveries, hygiene or quality issues, or vendor misconduct.

8. Changes to This Policy

Cubrin may update this Policy at any time. Continued use of the platform constitutes acceptance of any updated terms.

Messaging & Social Conduct Policy

1. Purpose

Cubrin provides a structured messaging system designed to support platform-related interactions such as: split bill coordination, pay-for-me requests, order communication, friend-based interactions related to transactions and platform activity. Messaging within Cubrin is not a general-purpose social networking or public chat service.

2. Limited Messaging System

Cubrin does not provide unrestricted public messaging. Messaging is: permission-based, connection-restricted, and functionally tied to platform interactions. Users cannot freely browse or message other users on the platform without an approved connection.

3. Connection-Based Communication

To establish communication between users: a connection request must be initiated using verified contact information (such as a linked phone number or calling line), the receiving user must explicitly accept or decline the request. Users have full control over: accepting connection requests, declining connection requests, and removing existing connections. When a connection is removed, both users lose active friend status and must re-initiate a request to reconnect.

4. Messaging Scope

Messaging is strictly limited to: platform-related communication, transaction coordination, order-related updates, and approved social interactions within Cubrin. Cubrin does not support unrestricted free-form public messaging, group chat systems, or open social feeds.

5. Message Persistence

Cubrin does not delete message history when users remove a connection. Message history is retained for operational, support, and transaction record purposes. If users reconnect in the future, previous message history may be restored and become visible again.

6. Prohibited Use of Messaging

Users may not use the messaging system to: engage in fraud or scams, send unsolicited spam or promotional content, impersonate other users or vendors, coordinate illegal activity, harass, threaten, or abuse others, or bypass platform transaction rules.

7. Platform Rights

Cubrin reserves the right to: restrict messaging access, investigate reported conversations, suspend accounts for abuse, remove or limit functionality where necessary for safety or compliance, and cooperate with law enforcement where legally required.

8. Design Principle

Cubrin's messaging system is designed as a structured interaction tool, not an open social chat platform. All communication is intended to support: commerce activities, user coordination, and platform-enabled transactions.

Split Bill & Peer Payment Disputes Policy

1. Purpose

This Policy governs the use of Cubrin's split bill, pay-for-me, and shared payment features. These features are designed to allow users to coordinate and share payments for orders within the Cubrin platform. Cubrin provides the technical infrastructure to facilitate shared payments but does not mediate or guarantee personal financial agreements between users.

2. Nature of Split Payments

Split bill and shared payment features are user-initiated and user-controlled arrangements. Users acknowledge that: participation in any split payment is voluntary, users independently agree on how costs are divided, Cubrin only provides the mechanism to execute agreed payment splits, Cubrin does not enforce or guarantee repayment between users.

3. User Responsibility

Users are solely responsible for: selecting participants for split payments, confirming the correct individuals are included, agreeing on payment percentages or amounts, and ensuring mutual understanding before initiating transactions. Cubrin does not validate or verify personal agreements between users beyond system execution of payment instructions.

4. Payment Execution

Once a split payment is confirmed: Cubrin executes the payment based on user-defined instructions (equal split or percentage-based split), transactions are processed through the Cubrin Balance or approved payment methods, and order fulfillment proceeds based on successful payment completion. Cubrin does not intervene in or alter agreed split structures after confirmation.

5. Disputes Between Users

Cubrin is not responsible for disputes arising between users regarding: failure of one party to reimburse another, disagreements over split percentages, misunderstandings regarding payment obligations, or personal arrangements made outside the platform. Such disputes are strictly between the users involved. Cubrin may provide limited support assistance but does not guarantee resolution outcomes.

6. Pay-for-Me Requests

Pay-for-me requests are voluntary and must be explicitly accepted by the receiving user before any payment is processed. Cubrin does not: compel users to pay on behalf of others, guarantee repayment of such payments, or mediate private financial expectations between users.

7. Fraud and Misuse

Cubrin reserves the right to investigate and take action against: fraudulent split bill activity, impersonation or manipulation of payment requests, abuse of pay-for-me functionality, or coordinated attempts to exploit platform payment systems. Actions may include: account suspension, transaction reversal where applicable, or restriction of feature access.

8. Platform Role Disclaimer

Cubrin provides a technical payment coordination tool only. Cubrin does not act as: a debt collector, a guarantor of user payments, or an intermediary enforcing personal financial agreements. All interpersonal financial arrangements remain the sole responsibility of users.

9. Changes to This Policy

Cubrin may update this Policy at any time. Continued use of split bill features constitutes acceptance of any updated terms.

Refund & Escrow Policy

1. Purpose

This Policy explains the conditions under which refunds are issued, how escrow is handled, and how transaction reversals may occur on the Cubrin platform. Cubrin facilitates transactions between users and independent vendors and uses escrow mechanisms to support secure order fulfillment.

2. Escrow Mechanism

Cubrin may temporarily hold funds in escrow when a user places an order. Escrow funds are held to: ensure order confirmation, support successful fulfillment by vendors, protect against failed or disputed transactions, and enable platform integrity. Funds are released from escrow only when: an order is confirmed as completed, or a valid resolution is reached in case of dispute. Escrow does not represent banking, savings, or custodial services.

3. Refund Eligibility

3.1 Failed Orders: If a vendor fails to fulfill an order due to unavailability or operational issues.
3.2 Order Cancellation: If an order is cancelled within the allowed cancellation window before preparation or fulfillment begins.
3.3 Incorrect or Incomplete Orders: If the delivered item significantly differs from the order placed or is incomplete.
3.4 Duplicate Transactions: If a user is charged multiple times for the same order due to technical or processing errors.
3.5 Platform or System Errors: If a transaction fails or is incorrectly processed due to a system malfunction.

4. Non-Refundable Situations

Refunds may not be issued in cases where: the order has been successfully completed and confirmed, the user changes their mind after vendor preparation has begun, incorrect user-provided information leads to failed delivery, or disputes arise outside of platform-controlled processes. Cubrin may evaluate such cases at its discretion.

5. Cancellation Policy

Users may cancel orders within a limited timeframe before the vendor confirms or begins preparation. Once an order is confirmed or preparation has started: cancellation may no longer be possible, or may be subject to partial refund at Cubrin's discretion. Vendors may also cancel orders due to inability to fulfill, in which case refunds will be processed where applicable.

6. Delayed or Unfulfilled Orders

If a vendor fails to confirm or fulfill an order within the expected timeframe: the order may be automatically flagged as delayed, Cubrin may intervene or cancel the order, and eligible refunds may be issued.

7. Duplicate or Erroneous Transactions

If duplicate payments occur due to technical errors: Cubrin will investigate the transaction logs, and issue refunds or reversals where confirmed. Users are advised to report such issues through official support channels.

8. Suspicious or Fraudulent Activity

Cubrin reserves the right to: pause or reverse transactions suspected to be fraudulent, temporarily hold funds during investigation, restrict account access where abuse is detected, and cooperate with third-party payment providers and law enforcement where required.

9. Refund Method

Where approved, refunds may be issued as: Cubrin Balance credits, or reversal to the original payment method via third-party processors. Refund processing times may vary depending on payment provider timelines.

10. Platform Role Disclaimer

Cubrin acts solely as a technology platform facilitating transactions between users and vendors. Cubrin does not guarantee vendor performance and is not responsible for goods or services provided by vendors beyond platform-defined refund conditions.

11. Policy Updates

Cubrin may update this Policy at any time. Continued use of the platform constitutes acceptance of any changes.

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