theJoshHub Terms of Service

Effective Date: September 7, 2026
Last Updated: September 7, 2026
Business Name: The Josh Hub
Platform Name: theJoshHub
Support Email: support@thejoshhub.com
Customer Support: tawk.to Live Chat

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1. Introduction

Welcome to theJoshHub. These Terms of Service ("Terms") govern your access to and use of the theJoshHub website, mobile website, web application, account systems, dashboards, membership plans, community, points, Game Credits, games, tournaments, Partner Games, jobs, advertisements, referrals, payments, deposits, withdrawals, digital services, customer support, and any other features made available through the platform.

theJoshHub is operated under the business name The Josh Hub. References to "The Josh Hub," "theJoshHub," "we," "us," or "our" refer to the platform and its operator. References to "User," "Member," "Partner," "you," or "your" refer to a person or entity using the platform, as applicable.

2. Acceptance of These Terms

By creating an account, logging in, selecting or purchasing a Plan, submitting payment, completing KYC verification, using Game Credits, participating in games, joining tournaments, using community features, applying for jobs, creating advertisements, or otherwise using theJoshHub, you acknowledge that you have read, understood, and agreed to these Terms.

If you do not agree with these Terms, you must not create an account or continue using the platform.

3. Related Policies

Your use of theJoshHub may also be governed by other policies and rules, including:

• Privacy Policy;
• Disclaimer Policy;
• Terms of Use;
• Community Guidelines;
• Game Rules;
• Tournament Rules;
• Partner Game Rules;
• Advertising Rules;
• Plan Conditions;
• Promotional or transaction-specific rules.

These documents may form part of your agreement with The Josh Hub where applicable.

4. Eligibility

You may use theJoshHub only if you are legally permitted to access the services offered to you and are capable of entering into the applicable transactions.

Certain features may have additional requirements relating to age, identity, membership Plan, verification, account status, location, or other eligibility conditions.

You must not misrepresent your identity, age, eligibility, or other information when creating or using an account.

5. Account Registration

Certain theJoshHub features require a registered account.

Registration information may include:

• First Name;
• Middle Name;
• Last Name;
• Suffix, if applicable;
• Nickname;
• Birthday;
• Email Address;
• Contact Number;
• Present Address;
• Permanent Address;
• Password;
• Referral Code, if applicable;
• Selected Membership Plan; and
• Other information reasonably required by the platform.

You are responsible for ensuring that your registration information is accurate, current, and complete.

6. Member ID

theJoshHub may assign each eligible account a unique Member ID.

The Member ID may be used for account identification, Partner Games, jobs, referrals, rankings, rewards, transactions, customer support, and other platform functions.

You must not sell, transfer, duplicate, alter, or misuse a Member ID.

7. Login and Account Security

You are responsible for protecting your login credentials.

You must not share:

• Password;
• OTP;
• Email verification code;
• Password reset links;
• PIN;
• Other confidential authentication information.

If you believe your account has been accessed without authorization, immediately contact Customer Support and change your password where possible.

theJoshHub may terminate sessions, request additional verification, temporarily restrict access, or require a password reset where reasonably necessary for security.

8. Login History

theJoshHub may keep records of account login activity for security and fraud-prevention purposes.

Login records may include date and time, device type, browser, approximate location, session information, and whether a login was successful or unsuccessful.

9. Account Verification and Approval

Creating an account does not automatically guarantee immediate access to all theJoshHub features.

Account statuses may include:

• Pending;
• Payment Pending;
• Payment Under Review;
• Active;
• KYC Required;
• KYC Under Review;
• KYC Verified;
• Resubmission Required;
• Suspended;
• Disabled;
• Banned.

Certain features may remain unavailable until the required verification process has been completed.

10. KYC Verification

Certain theJoshHub services may require Know Your Customer (KYC) or identity verification.

KYC may require:

• Full legal name;
• Birthday;
• Address;
• ID type;
• ID number;
• Front image of ID;
• Back image of ID, where required;
• Selfie holding ID; and
• Other information reasonably necessary for verification.

Submitted information and documents must be genuine and belong to the person being verified.

False, altered, manipulated, stolen, or fraudulent KYC documents are prohibited.

11. KYC After Verification

Once a Member becomes KYC Verified, access to the KYC submission form may be disabled.

Certain verified identity fields may also become non-editable.

If information must be corrected or theJoshHub requests reverification, the Member may be placed under a resubmission or information-correction process.

12. Privacy and Personal Information

Personal information collected by theJoshHub is handled according to the applicable Privacy Policy and data-protection requirements.

Users should review the Privacy Policy before submitting personal, financial, KYC, or security-related information.

Users must not publicly post ID documents, passwords, OTPs, payment credentials, or other sensitive information in Community areas.

13. Membership Plans

theJoshHub may provide different membership Plans with different:

• Prices;
• Validity periods;
• Benefits;
• Game limits;
• Transaction limits;
• Points conversion rates;
• Fees;
• Community benefits;
• Referral benefits;
• Customization features; and
• Other Plan-specific benefits.

The applicable Plan details shown before purchase should be reviewed before payment is submitted.

14. First-Time Plan Subscription

New Members may be required to select a Plan before account activation.

1. Create Account;
2. Select Plan;
3. Review Plan details;
4. Choose payment method;
5. Receive order number;
6. Complete payment;
7. Submit payment evidence where required;
8. Wait for payment verification;
9. Receive Plan activation after approval.

Uploading proof of payment does not automatically mean that the payment has been verified or the Plan has been activated.

15. Plan Details

Existing Members may access a Plan Details page showing:

• Current Plan;
• Plan Status;
• Subscription Date;
• Expiration Date;
• Days Remaining;
• Renewal Date;
• Benefits;
• Limits;
• Applicable fees and rates.

Existing Members may be shown eligible Plan upgrades or renewal options through the Plan Details page.

16. Plan Renewal and Upgrade

Eligible Members may renew or upgrade their current Plan.

Selecting an upgrade does not automatically activate the higher Plan. Payment and verification requirements must first be completed where applicable.

Plan upgrades, renewals, promotional discounts, and validity calculations are subject to the conditions displayed before confirmation.

17. Promotions, Coupons, and Vouchers

theJoshHub may provide promotions, discounts, coupons, or vouchers.

Promotions may have:

• Eligibility rules;
• Start dates;
• Expiration dates;
• Usage limits;
• Applicable Plans;
• Other disclosed restrictions.

Fraudulent or unauthorized promotional use may be rejected or reversed.

18. Payments

Payments may be accepted through supported banks, electronic wallets, payment gateways, QR payment methods, or other available payment providers.

Available payment methods may change because of maintenance, technical issues, provider availability, security requirements, or other operational reasons.

Users are responsible for reviewing the amount and payment destination before submitting payment.

19. Proof of Payment

Where manual verification is required, Members may need to upload a receipt, screenshot, payment reference, or other evidence.

Fraudulent, altered, duplicated, stolen, misleading, or recycled payment evidence is prohibited.

20. Refunds and Cancellations

Refund or cancellation eligibility depends on the transaction, service, payment provider, transaction status, and applicable law.

Nothing in these Terms removes a refund, cancellation, or consumer right that cannot lawfully be waived.

21. Game Credits

Game Credits ("GC") are platform units intended for eligible game-related activities.

Game Credits should be displayed separately from Philippine peso balances and should not be represented using the peso symbol unless the display refers specifically to a peso-denominated transaction or conversion.

Applicable rates, fees, minimums, maximums, and other Game Credit rules should be displayed before a transaction is confirmed.

22. Game Credit Transaction History

Member-facing Game Credit transaction history may display only a limited period, including a configured period such as the most recent 24 hours.

This does not necessarily mean that underlying audit, transaction, accounting, or security records have been deleted.

23. Deposits

Where Deposit functionality is available, the platform may display applicable rates, limits, fees, and estimated balance updates before confirmation.

Users are responsible for reviewing deposit details before submitting a transaction.

24. Withdrawals

Where Withdrawal functionality is available, applicable minimums, maximums, fees, rates, provider availability, and verification requirements may be displayed before submission.

A submitted Withdrawal may reserve or deduct the applicable balance while it is under review.

If an eligible Withdrawal is rejected before successful processing, an applicable reserved or deducted amount may be returned according to the transaction rules.

25. Payment Provider Availability

Individual payment or withdrawal providers may be marked:

• Available;
• Maintenance;
• Temporarily Unavailable;
• Disabled.

Users should not submit new transactions through providers currently marked unavailable.

26. Points and Rewards

theJoshHub may allow Members to earn points or rewards through eligible activities.

Points may be subject to:

• Plan-specific earning rates;
• Daily limits;
• Conversion thresholds;
• Reset schedules;
• Validity periods;
• Anti-abuse controls.

Rewards or points resulting from fraud, technical manipulation, or unauthorized automation may be withheld or reversed following review.

27. Math Wizard and Typewriter

theJoshHub may provide interactive activities such as Math Wizard and Typewriter where eligible Members can earn designated points or rewards.

Users must complete activities themselves and must not use scripts, bots, automated typing tools, or other prohibited automation.

28. Games

theJoshHub may provide games such as Odd or Even, Color Game, tournaments, and other interactive activities.

Each game may have its own rules, Game Credit requirements, limits, scoring method, result mechanics, and reward conditions.

29. Game Integrity

Users must not manipulate game results or obtain an unauthorized advantage.

Prohibited methods include:

• Bots;
• Auto-clickers;
• Macros;
• Scripts;
• Modified clients;
• Unauthorized automation;
• Exploitation of technical vulnerabilities.

Suspicious activity may be reviewed before rewards are approved.

30. Tournaments

theJoshHub may provide tournaments involving activities such as tapping, typing, or other permitted challenges.

Tournament rules may specify:

• Registration period;
• Maximum participants;
• Entry requirements;
• Global tournament period;
• Individual active-play time;
• Ranking method;
• Prize allocation;
• Tie handling;
• Verification requirements.

Once registration closes, new entries may be rejected.

31. Tournament Rankings and Prizes

Tournament rankings may update while a Tournament is active.

When the Tournament closes, the final ranking may be frozen for verification.

Rewards may remain pending until authorized staff verifies the result.

32. Partner Games

Partner Games may be hosted or operated on external third-party websites.

theJoshHub may assist with Member registration, Member ID matching, rankings, score verification, reward tracking, and prize management.

External Partner Games may have their own terms, privacy practices, technical requirements, and rules.

33. Jobs and Tasks

Partners or authorized users may create Jobs or Tasks for eligible Members.

Each Job may specify requirements, deadlines, rewards, available slots, submission methods, proof requirements, and completion conditions.

Rewards may require verification before they are credited.

34. Community

theJoshHub may provide Community features including posts, reactions, comments, discussions, and promotions.

Users must not publish content that is:

• Illegal;
• Fraudulent;
• Threatening;
• Harassing;
• Malicious;
• Infringing;
• Misleading;
• Otherwise prohibited by platform rules.

theJoshHub may moderate or remove content that violates applicable rules.

35. Promoted and Pinned Posts

Certain Plans or paid features may permit promoted, priority, featured, or pinned posts.

Promotion does not guarantee a particular number of views, reactions, followers, sales, customers, or other results.

36. Invite and Earn

Eligible Members may receive referral links or referral codes.

Referral rewards may include joining bonuses, activation bonuses, commissions on qualifying earnings, or other promotional rewards.

Current referral rules, rates, and eligibility requirements should be displayed within the Invite and Earn feature.

37. Referral Abuse

Self-referrals, fake accounts, automated registrations, duplicate accounts, referral rings, manipulated activity, or other abusive practices are prohibited.

Fraudulent or ineligible referral rewards may be withheld or reversed following review.

38. Buy Load

Where available, theJoshHub may provide access to supported mobile-load products.

Users are responsible for confirming the mobile number, network provider, denomination, amount, and applicable fee before completing a purchase.

39. Pay Bills

Where available, theJoshHub may provide access to supported bill-payment services.

Users are responsible for verifying the biller, account or reference number, amount, and required payment information.

40. Advertisements

theJoshHub may display advertising supplied by The Josh Hub, approved Partners, or third-party advertising networks.

Advertisements may appear as banners, popups, videos, sponsored cards, or other approved formats.

41. Partner Advertising

Eligible Partners may be permitted to create advertising campaigns.

Partner campaigns may include:

• Title;
• Description;
• Logo;
• Advertisement image or banner;
• Destination link;
• Campaign duration;
• Placement;
• Audience;
• Advertising fees;
• Other campaign settings.

Partner advertising may require approval before being published.

42. Advertising Review and Removal

theJoshHub may review, approve, reject, pause, cancel, delete, or reschedule advertising where reasonably necessary.

Advertising containing unlawful, fraudulent, harmful, deceptive, or otherwise prohibited content may be rejected or removed.

43. Third-Party Advertising Networks

theJoshHub may integrate third-party advertising networks.

Availability of third-party ads may depend on provider inventory, browser configuration, geographic location, consent settings, site approval, and other factors outside the direct control of theJoshHub.

44. Notifications

theJoshHub may send notifications relating to:

• Account activity;
• Transactions;
• Plan updates;
• KYC;
• Games;
• Tournaments;
• Jobs;
• Community;
• Security;
• Promotions.

Certain security, transaction, or legal notifications may remain enabled even if optional promotional notifications are turned off.

45. Settings and Personalization

Members may be able to customize settings such as:

• Light or Dark Mode;
• Background Music;
• Game Sound Effects;
• Background Personalization;
• Notification Preferences;
• Other account preferences.

Certain customization options may require an eligible Plan.

46. Customer Support

theJoshHub provides Customer Support through tawk.to Live Chat.

To contact support, click or tap the tawk.to chat icon displayed on supported pages of theJoshHub.

You may also contact: support@thejoshhub.com

Do not provide your password, PIN, OTP, or other confidential login credentials through live chat or email.

47. Frequently Asked Questions and Guides

theJoshHub may provide FAQs, tutorials, images, screenshots, or guides to help Users understand the platform.

If an FAQ or guide conflicts with these Terms or transaction-specific rules, the applicable Terms or transaction-specific rules will control.

48. Disabling Your Account

Where available, Members may voluntarily disable their account.

Disabling an account does not automatically delete the account or all associated records.

Reactivation may require contacting Customer Support and completing appropriate security verification.

49. Suspension, Restriction, and Termination

theJoshHub may restrict, suspend, or terminate an account where reasonably necessary because of:

• Fraud;
• False information;
• False KYC documents;
• Payment abuse;
• Game manipulation;
• Referral abuse;
• Unauthorized access;
• Security threats;
• Serious Community violations;
• Legal or regulatory requirements.

Where appropriate, Users may contact Customer Support regarding account restrictions.

50. Prohibited Conduct

Users must not:

• Use the platform for illegal activity;
• Commit fraud or impersonation;
• Submit false payment evidence;
• Submit false KYC information;
• Access another account without permission;
• Manipulate games or rankings;
• Manipulate referrals or rewards;
• Artificially generate advertising activity;
• Use bots or automation where prohibited;
• Exploit bugs or vulnerabilities;
• Upload malware;
• Interfere with normal platform operation.

51. Fraud and Risk Review

Transactions, payments, withdrawals, point conversions, rewards, referrals, game activity, and other actions may be placed under review where reasonably necessary to investigate suspected fraud, duplication, abuse, security issues, or technical errors.

A review does not automatically mean that a User has committed fraud.

52. Feature Status and Maintenance

Platform features may be marked:

• Active;
• Maintenance;
• Under Checking;
• Under Verification;
• Temporarily Unavailable;
• Closed;
• Disabled;
• Coming Soon.

Features may be temporarily unavailable during maintenance, security review, provider outages, software updates, or other operational events.

53. Platform Availability

theJoshHub does not guarantee uninterrupted or error-free availability.

Service interruptions may occur because of maintenance, infrastructure issues, internet outages, third-party provider problems, security incidents, or circumstances beyond reasonable control.

54. Changes to Features, Rates, and Fees

theJoshHub may update future Plan prices, fees, limits, Game Credit rates, reward rates, referral percentages, advertising prices, and feature availability.

Applicable rates and charges should be displayed before a new transaction is confirmed.

55. Transaction and Audit Records

theJoshHub may retain transaction, security, game, financial, account, KYC, fraud-prevention, and audit records for legitimate operational, security, accounting, dispute-handling, or legal purposes.

A limited Member-facing history does not necessarily reflect internal data-retention periods.

56. Intellectual Property

theJoshHub branding, logos, mascot, graphics, platform design, software interfaces, original text, and other proprietary materials may be owned by or licensed to The Josh Hub.

Users may not reproduce, sell, copy, impersonate, modify, or commercially exploit protected materials without permission or another lawful basis.

57. User-Generated Content

Users retain rights they lawfully hold in content they submit.

By submitting content for display on theJoshHub, Users grant The Josh Hub the permissions reasonably necessary to host, display, format, moderate, and distribute that content within the applicable platform feature.

58. Third-Party Websites and Services

theJoshHub may contain links to external payment providers, Partner Games, advertisers, Customer Support providers, or other third-party services.

External services operate under their own terms, policies, privacy practices, and technical systems.

59. No Guaranteed Earnings

Participation in theJoshHub does not guarantee income, jobs, rewards, referrals, advertising results, game winnings, Tournament prizes, Community engagement, or any particular financial outcome.

Rewards are available only where applicable eligibility, verification, completion, and other requirements are satisfied.

60. No Banking or Investment Representation

Unless expressly and lawfully identified otherwise, membership Plans, points, Game Credits, rewards, and platform features are not represented as bank deposits, investment products, securities, or guaranteed financial returns.

Users should not treat ordinary theJoshHub platform units as bank or investment products.

61. Regulatory Requirements

Certain payment, gaming, financial, advertising, promotional, or other activities may be subject to additional legal or regulatory requirements.

theJoshHub may restrict, modify, delay, suspend, or decline to launch a feature where necessary to satisfy applicable requirements.

62. Consumer Rights

Nothing in these Terms is intended to remove or waive consumer rights, remedies, warranties, or protections that cannot lawfully be excluded.

Where mandatory law conflicts with these Terms, the applicable mandatory legal requirement will control to the extent of the conflict.

63. Disclaimer

To the extent permitted by applicable law, theJoshHub is provided on an "as available" basis.

theJoshHub does not guarantee continuous availability, guaranteed income, guaranteed advertising performance, guaranteed Community engagement, guaranteed jobs, or guaranteed third-party service availability.

64. Limitation of Liability

To the maximum extent permitted by law, The Josh Hub is not responsible for indirect or consequential loss arising solely from independent third-party services, unauthorized User conduct, or circumstances beyond reasonable control.

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded.

65. Electronic Communications

Users agree that account notices, transaction updates, Plan information, KYC notices, security messages, receipts, policy updates, and other communications may be delivered electronically.

Electronic communications may be delivered through the platform, email, notifications, live chat, or other supported digital methods.

66. Changes to These Terms

The Josh Hub may update these Terms when necessary to reflect changes in services, technology, security requirements, business practices, or applicable legal requirements.

Where required, Users may be notified of material changes or asked to accept an updated version before continuing to use affected services.

67. Governing Law

These Terms are intended to be interpreted in accordance with applicable laws of the Republic of the Philippines, subject to mandatory rights and protections that may apply.

68. Complaints and Disputes

Users experiencing a problem are encouraged to contact theJoshHub Customer Support so the matter can be reviewed.

Nothing in these Terms prevents a User from exercising any right to contact an appropriate government agency, regulator, dispute-resolution body, or court where available under applicable law.

69. Severability

If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions will continue to apply to the extent permitted by law.

70. No Waiver

Failure by The Josh Hub to enforce a provision on one occasion does not automatically waive its right to enforce that provision later.

71. Entire Agreement

These Terms, together with the Privacy Policy, Disclaimer Policy, Community Guidelines, Plan conditions, transaction disclosures, game rules, Tournament rules, Partner rules, Advertising Rules, and other incorporated platform policies form the applicable agreement governing use of theJoshHub.

72. Customer Service Contact

For account concerns, payment concerns, KYC concerns, transaction questions, platform support, or other assistance, contact theJoshHub Customer Support.

For your security, never provide your password, PIN, OTP, or complete authentication credentials through live chat or email.

73. User Acknowledgment

By creating an account, selecting a Plan, making a payment, or continuing to use theJoshHub, you acknowledge that you have had the opportunity to read and understand these Terms.

You also understand that certain services may have additional rules, prices, restrictions, eligibility requirements, or disclosures that will be presented before you use the applicable service.

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The Josh Hub
Platform: theJoshHub
Customer Support: tawk.to Live Chat
Support Email: support@thejoshhub.com

Thank you for using theJoshHub. Please use the platform responsibly and review applicable rules, prices, limits, and transaction information before using a service or completing a transaction.