Terms & Conditions

Welcome to EqubNet (the “Service”), provided by WiredWisdom (“we,” “us,” or “our”). By accessing or using the Service, you (“you” or “Member”) agree to be bound by these Terms & Conditions (“Terms”). If you do not agree, you may not join or use our Service.

1. Definitions

Equb Group

A rotating savings and credit pool you join through the Service.

Member

A registered user who has joined an Equb Group.

Contribution

The periodic payment amount each Member owes to their Equb Group.

2. Eligibility & Registration

• You must be at least 18 years old and able to form legally binding contracts.
• You agree to provide accurate, complete, and current information when registering.
• You are responsible for maintaining the confidentiality of your account credentials.

3. Service Description

We facilitate the creation, joining, and management of Equb Groups. We do not hold your funds; payments and disbursements happen via your chosen payment provider (e.g. Stripe).

4. Membership & Contributions

1. Joining
   You may join an Equb Group only if there is space and all eligibility criteria are met. You must read and accept our Terms, including our Terms & Conditions and Privacy Policy, before joining.
2. Payment Obligations
   You agree to make each Contribution on time and in full. Failure to pay may result in removal from the Group and loss of eligibility for a payout.
3. Payouts
   When it’s your turn to receive the lump sum, you must provide accurate payment details. We are not responsible for delays or errors in third-party payment systems.

5. Fees & Charges

We will deduct a total of 6% from each Contribution for administrative costs, platform fees, and payment processing. This 6% covers the service fee per contribution and payout. Stripe (or other gateway) processing fees remain your responsibility.

6. User Conduct

You agree not to:

• Use the Service for any unlawful purpose.
• Harass, threaten, or defraud other Members.
• Attempt to reverse-engineer or interfere with our systems.

7. Termination

You may leave an Equb Group before it starts; after that point, refunds are subject to Group rules. We may suspend or terminate your access for violation of these Terms or fraudulent behavior.

8. Disclaimers & Limitation of Liability

No Financial Advice. The Service is not providing financial or investment advice. “As-Is.” We make no warranties, express or implied, regarding uptime, accuracy, or security. Limitation. To the fullest extent permitted by law, our liability is limited to the amount of fees you’ve paid us in the last 12 months.

9. Privacy

Your use of the Service is also governed by our Privacy Policy, which explains how we collect, use, and protect your data.

10. Intellectual Property

All trademarks, logos, and content are our property or licensed to us. You may not use our branding without our express written permission.

11. Changes to These Terms

We may modify these Terms at any time. We’ll notify you of material changes via email or in-app notification. Continued use after changes signifies your acceptance.

12. Governing Law & Dispute Resolution

These Terms are governed by the laws of United States of America. Any dispute arising under these Terms will be resolved in the courts of United States of America.

13. Contact Us

If you have questions or concerns, please contact us at:
WiredWisdom
Email: support@equbnet.com
Address: US and Ethiopia

By checking “I agree to the Terms & Conditions” and clicking Join, you acknowledge that you have read, understood, and agree to these Terms.