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Terms & Conditions

Last Updated: April 26, 2026

1. Company Information

Legal Entity: VIRAL HUB TECH, S.EP. is a technology company registered and operating under the laws of the Republic of Panama, with principal offices located in Panama City, Panama.

Registration Details:

  • RUC (Unique Taxpayer Registry): 155783463-2-2026
  • DV (Verification Digit): 48
  • Trade Name: VIRAL HUB TECH
  • Operation Notice: 15578346322026574438900

"Company," "We," "Us," or "Our" refers to VIRAL HUB TECH, S.EP. and its subsidiaries, affiliates, and related entities.

"Client," "You," or "Your" refers to the individual, company, or entity that engages our services or accesses our website.

"Services" refers to all software development, AI solutions, WhatsApp automation, web development, mobile application development, cloud solutions, consulting, and related technology services provided by Viral Hub Tech.

"Deliverables" refers to all software, code, documentation, designs, and other materials created or provided by Viral Hub Tech as part of the Services.

"Intellectual Property" refers to all patents, copyrights, trademarks, trade secrets, and other proprietary rights.

2. Proprietary Applications

Ownership Statement: VIRAL HUB TECH, S.EP. is the sole and exclusive owner of the following proprietary applications and platforms:

  • Creditrip - Marketplace for installment reservations
  • PIGGIECASH - Personal finance and savings application
  • Shoopi AI - AI-powered shopping and e-commerce solution

All intellectual property rights, including but not limited to copyrights, trademarks, patents, trade secrets, and proprietary code, related to these applications are exclusively owned by VIRAL HUB TECH, S.EP.

Management and Operation Rights: We reserve the exclusive right to manage, operate, modify, update, license, sublicense, distribute, and commercialize these applications. Any use of these applications by third parties is subject to separate licensing agreements and terms of service specific to each platform.

Unauthorized reproduction, distribution, modification, reverse engineering, or creation of derivative works based on these proprietary applications is strictly prohibited and may result in legal action under Panamanian and international intellectual property laws.

3. Scope of Services

Viral Hub Tech provides custom software development services, including but not limited to:

  • AI Agents and Chatbot development
  • WhatsApp Business Automation solutions
  • Web application and website development
  • Mobile application development (iOS and Android)
  • Cloud infrastructure and DevOps services
  • Machine Learning and Data Analytics solutions
  • UI/UX design and consulting
  • API development and integration

The specific scope, timeline, and deliverables for each project shall be defined in a separate Statement of Work (SOW) or Service Agreement executed between Viral Hub Tech and the Client.

3. Client Obligations

The Client agrees to:

  • Provide accurate, complete, and timely information necessary for the performance of Services
  • Designate a primary point of contact for project communications
  • Respond to inquiries, feedback requests, and approval requests within 5 business days
  • Obtain all necessary rights, licenses, and permissions for any materials provided to Viral Hub Tech
  • Ensure that Client materials do not infringe upon third-party intellectual property rights
  • Make timely payments in accordance with the agreed payment schedule
  • Cooperate in testing and quality assurance processes

4. Payment Terms

4.1 Pricing and Fees: All fees shall be specified in the applicable Statement of Work or Service Agreement. Unless otherwise specified, all amounts are quoted in United States Dollars (USD).

4.2 Payment Schedule: Unless otherwise agreed in writing:

  • A non-refundable deposit of 50% of the total project cost is required to commence work
  • Remaining balance is due upon project completion and before final deliverables are transferred
  • For ongoing retainer services, payments are due monthly in advance

4.3 Late Payments: Late payments are subject to a service charge of 1.5% per month (18% per annum) on the outstanding balance, or the maximum rate permitted by applicable law, whichever is less.

4.4 Additional Work: Any work requested beyond the agreed scope shall be subject to additional charges at our standard hourly rates, which shall be communicated in advance.

4.5 Taxes: All fees are exclusive of any applicable taxes, which shall be the Client's responsibility.

5. Intellectual Property Rights

5.1 Pre-Existing IP: Each party retains ownership of all Intellectual Property that existed prior to the commencement of the project.

5.2 Third-Party IP: Any third-party software, libraries, or components used in the Deliverables remain subject to their respective licenses.

5.3 Custom Development: Upon full payment of all fees, Viral Hub Tech assigns to the Client all rights, title, and interest in and to the custom Deliverables specifically created for the Client, excluding:

  • Our proprietary frameworks, tools, and methodologies
  • Generic code libraries and utilities that may be reused across projects
  • Open-source components incorporated into the Deliverables

5.4 Viral Hub Tech IP: Viral Hub Tech retains all rights to its proprietary technologies, methodologies, know-how, and reusable code libraries.

5.5 Portfolio Rights: Viral Hub Tech reserves the right to display and reference the Client's project, including screenshots and descriptions, in its portfolio and marketing materials, unless the Client has obtained prior written consent to maintain confidentiality.

5.6 Moral Rights: To the extent permitted by applicable law, the Client waives any moral rights in the Deliverables.

6. Confidentiality

6.1 Confidential Information: Each party may disclose confidential information to the other party during the course of the project ("Confidential Information"). Confidential Information includes, but is not limited to, business plans, technical data, source code, customer information, and proprietary methodologies.

6.2 Obligations: Both parties agree to:

  • Maintain the confidentiality of all Confidential Information
  • Use Confidential Information solely for the purpose of performing the Services
  • Not disclose Confidential Information to any third parties without prior written consent
  • Protect Confidential Information with at least the same degree of care used to protect their own confidential information, but no less than reasonable care

6.3 Exceptions: Confidential Information does not include information that:

  • Is or becomes publicly available through no breach of these Terms
  • Was known to the receiving party prior to disclosure
  • Is independently developed without use of the disclosing party's Confidential Information
  • Is required to be disclosed by law or court order, provided prompt notice is given to the disclosing party

6.4 Duration: Confidentiality obligations survive for a period of five (5) years following disclosure.

7. Warranties and Disclaimers

7.1 Service Warranty: Viral Hub Tech warrants that the Services will be performed in a professional and workmanlike manner consistent with industry standards.

7.2 Correction Period: If any Deliverables fail to meet the specifications set forth in the applicable SOW, Viral Hub Tech shall have a reasonable opportunity (not less than 30 days) to correct any defects at no additional charge.

7.3 Disclaimer: EXCEPT AS EXPRESSLY SET FORTH HEREIN, VIRAL HUB TECH MAKES NO WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES OR DELIVERABLES WILL BE ERROR-FREE OR UNINTERRUPTED.

7.4 Third-Party Services: Viral Hub Tech makes no warranties regarding third-party services, APIs, or platforms integrated into the Deliverables.

8. Limitation of Liability

8.1 Limitation: TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, VIRAL HUB TECH'S TOTAL LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS, WHETHER IN CONTRACT, TORT, OR OTHERWISE, SHALL NOT EXCEED THE TOTAL AMOUNT PAID BY THE CLIENT TO VIRAL HUB TECH IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY.

8.2 Exclusion of Consequential Damages: IN NO EVENT SHALL VIRAL HUB TECH BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF BUSINESS, LOSS OF DATA, OR BUSINESS INTERRUPTION, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

8.3 Essential Purpose: The limitations of liability set forth herein form an essential basis of the bargain between the parties and shall apply even if any limited remedy fails its essential purpose.

9. Indemnification

The Client agrees to indemnify, defend, and hold harmless Viral Hub Tech and its officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

  • The Client's use of the Services or Deliverables
  • Any materials, content, or data provided by the Client to Viral Hub Tech
  • The Client's breach of these Terms
  • The Client's violation of any third-party rights, including intellectual property rights
  • Any misuse or unauthorized use of the Deliverables by the Client or its users

Viral Hub Tech reserves the right to assume the exclusive defense and control of any matter subject to indemnification.

10. Term and Termination

10.1 Term: These Terms shall commence upon the Client's engagement of Viral Hub Tech's services and shall continue until terminated in accordance with this Section.

10.2 Termination for Convenience: Either party may terminate the Services for convenience upon thirty (30) days' prior written notice.

10.3 Termination for Cause: Either party may terminate immediately upon written notice if the other party:

  • Materially breaches these Terms and fails to cure such breach within fifteen (15) days of receiving written notice
  • Becomes insolvent, files for bankruptcy, or ceases business operations
  • Engages in fraudulent or illegal conduct related to the Services

10.4 Effect of Termination: Upon termination:

  • All licenses granted by Viral Hub Tech shall terminate
  • The Client shall immediately pay all outstanding amounts due for Services performed
  • Viral Hub Tech shall deliver all completed work and materials paid for by the Client
  • Confidentiality obligations and intellectual property provisions shall survive termination

10.5 Refunds: Except as otherwise specified in a Service Agreement, all fees paid are non-refundable. Deposits are forfeited upon Client-initiated termination.

11. Data Protection and Privacy

11.1 Data Processing: Viral Hub Tech processes personal data in accordance with applicable data protection laws, including Law No. 81 of March 26, 2019 on the Protection of Personal Data of the Republic of Panama.

11.2 Data Security: We implement appropriate technical and organizational measures to protect personal data against unauthorized access, alteration, disclosure, or destruction.

11.3 Client Responsibilities: The Client warrants that it has obtained all necessary consents and has provided all required disclosures for any personal data shared with Viral Hub Tech.

11.4 Data Retention: We retain personal data only as long as necessary to fulfill the purposes for which it was collected or as required by applicable law.

12. Subcontracting

Viral Hub Tech reserves the right to engage subcontractors, consultants, or third-party service providers to perform portions of the Services. Viral Hub Tech remains fully responsible for the work performed by its subcontractors and ensures that they are bound by confidentiality obligations consistent with these Terms.

13. Force Majeure

Neither party shall be liable for any failure or delay in performing its obligations under these Terms to the extent such failure or delay is caused by circumstances beyond the reasonable control of the affected party, including but not limited to: acts of God, natural disasters, war, terrorism, riots, government actions, strikes, pandemics, power failures, internet service provider failures, or delays caused by third-party platforms or services.

The affected party shall promptly notify the other party of the force majeure event and shall use reasonable efforts to mitigate the effects of such event.

14. Governing Law and Jurisdiction

14.1 Governing Law: These Terms and any dispute arising out of or related thereto shall be governed by and construed in accordance with the laws of the Republic of Panama, without regard to its conflict of law principles.

14.2 Jurisdiction: Any legal action, suit, or proceeding arising out of or related to these Terms shall be instituted exclusively in the courts of Panama City, Republic of Panama. Both parties irrevocably submit to the jurisdiction of such courts and waive any objection to venue.

14.3 Alternative Dispute Resolution: Before initiating litigation, the parties agree to attempt to resolve any dispute through good-faith negotiation. If negotiation fails, the parties may agree to mediation under the rules of the Conciliation and Arbitration Center of Panama (CECAP).

14.4 Waiver of Jury Trial: To the extent permitted by law, both parties waive any right to a jury trial in any legal proceeding arising out of or relating to these Terms.

15. Changes to Terms

Viral Hub Tech reserves the right to modify or update these Terms at any time. Changes will be effective immediately upon posting to our website. For ongoing projects, material changes to these Terms will be communicated to the Client in writing at least thirty (30) days before becoming effective.

The Client's continued use of our Services after any changes constitutes acceptance of the revised Terms.

16. Entire Agreement

These Terms, together with any applicable Statement of Work, Service Agreement, or other written agreements executed between the parties, constitute the entire agreement between Viral Hub Tech and the Client concerning the subject matter hereof and supersede all prior or contemporaneous agreements, understandings, negotiations, and discussions, whether oral or written.

17. Severability

If any provision of these Terms is held by a court of competent jurisdiction to be invalid, illegal, or unenforceable, such provision shall be modified to the minimum extent necessary to make it valid, legal, and enforceable, or if such modification is not possible, such provision shall be severed from these Terms. The remaining provisions shall continue in full force and effect.

18. Waiver

No waiver of any provision of these Terms shall be effective unless in writing and signed by the party against whom the waiver is sought to be enforced. No failure or delay by either party in exercising any right, power, or privilege under these Terms shall operate as a waiver thereof.

19. Assignment

The Client may not assign or transfer these Terms or any rights or obligations hereunder without the prior written consent of Viral Hub Tech. Viral Hub Tech may assign these Terms without restriction, including in connection with a merger, acquisition, corporate reorganization, or sale of all or substantially all of its assets.

20. Notices

All notices required or permitted under these Terms shall be in writing and shall be deemed given when delivered personally, sent by certified mail with return receipt requested, sent by email with read receipt confirmation, or sent by internationally recognized courier service to the addresses specified by the parties.

Our Address: Viral Hub Tech, Panama City, Republic of Panama
Email: hello@viralhubtech.com

21. Contact Information

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

Viral Hub Tech
Panama City, Panama
Email: hello@viralhubtech.com
Phone: 507 8313017

By engaging Viral Hub Tech's services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.