1. Acceptance of Terms

By accessing or using Mosaic Biz Hub ("Platform", "we", "our", or "us"), including the website and application at mosaicbizhub.com, you agree to be bound by these Terms & Conditions. If you do not agree, you may not use the Platform.

2. Eligibility

You must be at least 18 years old to use Mosaic Biz Hub. By using the Platform, you represent and warrant that you meet this requirement and have the legal authority to enter into these Terms.

3. Account Registration

To access certain features, you may be required to create an account. You agree to provide accurate, current, and complete information and to keep your login credentials secure. You are responsible for all activity that occurs under your account.

4. Vendor Accounts & Listings

Vendors are responsible for the accuracy of their business information, services, and products listed on the Platform. Mosaic Biz Hub reserves the right to approve, verify, modify, or remove listings that violate these Terms or applicable laws.

5. Marketplace Transactions

Mosaic Biz Hub acts as a marketplace facilitator and is not a party to transactions between buyers and vendors. All purchases, services, and agreements are solely between users and vendors.

6. Payments & Fees

Payments may be processed through third-party payment providers. Any applicable fees, subscriptions, or commissions will be disclosed before purchase. Mosaic Biz Hub is not responsible for payment processing errors or disputes handled by third-party providers.

7. Prohibited Conduct

You agree not to:

• Use the Platform for unlawful or fraudulent purposes
• Post false, misleading, or harmful content
• Impersonate another person or business
• Interfere with the Platform's security or functionality
• Attempt to access accounts or data without authorization

8. Intellectual Property

All content, branding, logos, and software on Mosaic Biz Hub are owned by or licensed to us and protected by intellectual property laws. You may not copy, modify, or distribute any content without prior written permission.

9. User Content

By submitting content to the Platform, you grant Mosaic Biz Hub a non-exclusive, royalty-free license to use, display, and distribute such content in connection with operating and promoting the Platform.

10. Account Suspension & Termination

We reserve the right to suspend or terminate accounts at our discretion, including for violations of these Terms, suspected fraud, or harm to the Platform or its users.

11. Disclaimers

The Platform is provided on an "as is" and "as available" basis. Mosaic Biz Hub makes no warranties regarding the accuracy, reliability, or availability of the Platform or vendor services.

12. Limitation of Liability

To the maximum extent permitted by law, Mosaic Biz Hub shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of the Platform.

13. Indemnification

You agree to indemnify and hold harmless Mosaic Biz Hub from any claims, damages, losses, or expenses arising out of your use of the Platform or violation of these Terms.

14. Governing Law

These Terms are governed by and construed in accordance with the laws of the jurisdiction in which Mosaic Biz Hub operates, without regard to conflict of law principles.

15. Changes to Terms

We may update these Terms at any time. Continued use of the Platform after changes are posted constitutes acceptance of the revised Terms.

16. Contact Information

If you have questions about these Terms & Conditions, please contact us through the Mosaic Biz Hub platform.