Terms & Conditions

Acceptance of Terms

By downloading, installing, registering for, accessing, purchasing, or using Benefithub: Grants & Claims, you confirm that you have read, understood, and agreed to these Terms & Conditions (“Terms”). These Terms form a legally binding agreement between you and Blueberry Web Solutions Pvt Ltd, operating under the business name Blueberry Web Development (“Benefithub”, “we”, “us”, or “our”).

If you do not agree to these Terms, you must not access or use the Service and should delete the application from your device.

About Benefithub

Benefithub is a private digital information and matching platform designed to help users discover possible matches for benefits, grants, unclaimed property, claims, class action settlements, prescription savings, product recalls, paid research studies, assistance programs, and other related opportunities.

Benefithub is developed and operated by Blueberry Web Solutions Pvt Ltd under the business name Blueberry Web Development, with its registered and business office at Unit No. 304, South City Business Park, 770 Anandpur, Kolkata - 700107, West Bengal, India.

The Service organises information supplied by users and compares it with available public, commercial, partner, and third-party sources. Benefithub may display possible matches, estimated values, eligibility indicators, deadlines, provider details, or suggested next steps where such information is available.

No Government Affiliation

Benefithub is not a government agency, department, public authority, benefits office, claims authority, regulator, or government representative. We do not represent, partner with, act on behalf of, or receive authority from any government organisation unless expressly stated in writing.

The appearance of government-related programs, benefits, grants, public databases, seals, terminology, or links within the Service does not mean that Benefithub is sponsored, endorsed, approved, or operated by a government body.

Nature of the Service

Benefithub may use the information you provide to:

• create and maintain your user profile;
• compare your profile with available databases and opportunity criteria;
• identify and organise possible matches;
• estimate potential values where sufficient information is available;
• send alerts when new or updated opportunities may be relevant;
• present general information about possible next steps;
• improve the matching, ranking, and relevance of results.

Benefithub is a discovery and information service only. We do not make final eligibility decisions, issue funds, approve claims, process government benefits, adjudicate disputes, or control third-party outcomes.

No Guarantee of Eligibility, Approval, Savings, or Payment

Benefithub does not guarantee:

• eligibility for any grant, benefit, assistance program, claim, settlement, refund, or opportunity;
• approval of any application, claim, or submission;
• payment of any amount shown or estimated;
• successful recovery of unclaimed money or property;
• acceptance into any paid research study;
• receipt of prescription savings or reimbursement;
• availability of any listed opportunity at the time you apply;
• accuracy, completeness, or continued availability of information from outside sources;
• any financial, employment, legal, medical, or personal outcome.

All matches, scores, estimates, labels, rankings, and suggested values are informational only. Final decisions are made solely by the relevant government agency, settlement administrator, institution, insurer, program operator, pharmacy, research organisation, employer, commercial provider, or other responsible third party.

No Legal, Financial, Tax, Medical, Employment, or Government Advice

Benefithub does not provide legal, financial, tax, accounting, medical, employment, investment, or official government advice. Nothing in the Service should be treated as professional advice, an official determination, or a substitute for advice from a qualified professional or authorised agency.

You are responsible for reviewing official terms, deadlines, qualification rules, risks, and obligations before applying for or acting on any opportunity displayed through the Service.

Not a Work, Employment, or Make-Money App

Benefithub is not an employment platform, recruitment service, job board, income guarantee, investment platform, or make-money scheme. The Service does not promise employment, earnings, profit, recurring income, or financial independence.

Any paid research study, compensated opportunity, settlement, refund, savings program, or similar item displayed in the Service is shown only as a possible informational match. Participation and payment are governed entirely by the relevant third-party provider.

Account Eligibility

You must be at least 18 years old, or the age of legal majority in your jurisdiction, to create an account and use paid features unless the Service expressly allows otherwise. By using Benefithub, you confirm that you have legal capacity to enter into these Terms.

You may create only the number of accounts permitted by the Service and must not create accounts using false identities or another person’s information without lawful authority.

User Responsibilities

You agree to:

• provide information that is accurate, current, and complete to the best of your knowledge;
• update your profile when relevant information changes;
• review results carefully before acting;
• independently verify opportunities with the official provider;
• protect your login credentials and device access;
• notify us promptly of unauthorised account access;
• use the Service only for lawful personal purposes.

Inaccurate, incomplete, outdated, or misleading information may reduce result quality or produce irrelevant matches. You are responsible for all applications, claims, communications, submissions, and decisions made using information obtained through Benefithub.

Information We May Collect

Depending on the features you use, Benefithub may collect:

• full legal name, previous names, date of birth, email address, and phone number;
• current address, postal or ZIP code, state, and previous states of residence;
• household size, dependent information, income range, employment status, and housing status;
• veteran, disability, student, business ownership, or other eligibility indicators you choose to provide;
• selected interest categories and scan preferences;
• optional information relating to medications, healthcare interests, vehicles, products, bills, student loans, providers, employers, or services used;
• device identifiers, operating system, language, app activity, diagnostic data, and usage analytics;
• subscription status, purchase records, and billing-related identifiers provided by the app store or payment processor;
• communications with customer support;
• any other information you voluntarily submit.

How We Use Information

We may use your information to:

• create, authenticate, and manage your account;
• run profile-based scans and matching functions;
• rank and personalise possible results;
• provide alerts, reminders, updates, and customer support;
• administer subscriptions and paid access;
• detect fraud, abuse, misuse, or security threats;
• maintain system reliability and troubleshoot technical issues;
• analyse and improve features, relevance, performance, and usability;
• comply with legal obligations and enforce these Terms;
• create aggregated or de-identified analytics that do not directly identify you.

Additional details regarding the handling of personal data should be provided in the Benefithub Privacy Policy, which forms part of your use of the Service.

Optional and Potentially Sensitive Information

Certain features may invite you to provide optional information relating to medications, health interests, disability status, finances, household circumstances, or other personal matters. You should provide only information you are comfortable using for personalised matching.

We will use such information only for the purposes explained when it is collected, for related Service functions, for security and compliance, or as otherwise described in the Privacy Policy.

Public, Commercial, and Third-Party Sources

Benefithub may rely on public records, government websites, commercial databases, data providers, partner feeds, APIs, program websites, claims administrators, research listings, recall sources, and other third-party materials.

We do not control all outside sources and do not guarantee that their information is accurate, current, complete, legally sufficient, or continuously available. Third-party information may change, expire, be delayed, or be withdrawn without notice.

Service Providers and Data Sharing

We may use trusted service providers to support hosting, storage, analytics, notifications, authentication, customer support, security, subscriptions, payment processing, and technical operations. These providers may process information only as required to provide contracted services and subject to applicable agreements and safeguards.

We may also disclose information when reasonably necessary to comply with law, respond to lawful requests, protect rights or safety, investigate fraud, enforce these Terms, or complete a merger, acquisition, financing, restructuring, or sale of business assets.

Benefithub does not claim that advertisers or unrelated third parties may freely access your private profile data. Any sharing practices should be described transparently in the Privacy Policy.

Account and Data Deletion

You may request deletion of your Benefithub account through the in-app account deletion function or by contacting us using the details in Section 34.

When a valid deletion request is completed:

• your account will be deactivated or removed;
• your personal profile and related data will be deleted from active production systems within a commercially reasonable period;
• saved matches, scan history, preferences, and account access may be permanently lost;
• active subscriptions must still be cancelled through the platform where they were purchased unless the platform automatically cancels them;
• certain records may be retained where legally or operationally necessary.

Data Retention and Backups

We retain personal information only for as long as reasonably necessary to provide the Service, meet contractual and legal obligations, resolve disputes, prevent fraud, protect security, and enforce agreements.

Deleted information may remain temporarily in encrypted backups, disaster-recovery systems, system logs, fraud-prevention records, or legally required archives. Backup copies are not ordinarily restored for active use except where necessary for system recovery, security, or legal compliance, and are deleted or overwritten according to applicable retention schedules.

Privacy and Security

We use reasonable administrative, technical, and organisational measures designed to protect information against unauthorised access, loss, misuse, alteration, or disclosure. These measures may include access controls, encryption in transit, security monitoring, restricted staff access, and secure hosting practices.

No mobile app, website, storage system, network, or transmission method is completely secure. We cannot guarantee absolute security, uninterrupted availability, or that unauthorised third parties will never defeat security measures.

Subscriptions, In-App Purchases, and Billing

Certain scans, results, alerts, claim details, or ongoing features may require a paid subscription or in-app purchase. Pricing, billing frequency, trial terms, included features, and renewal information will be displayed before purchase.

Purchases made through the Apple App Store are processed by Apple and are also subject to Apple’s applicable payment, subscription, and account terms. Benefithub does not directly control Apple’s billing systems.

Unless otherwise disclosed, subscriptions may renew automatically until cancelled. You are responsible for reviewing renewal terms and cancelling through your Apple ID subscription settings before the applicable renewal date.

Cancellations and Refunds

You may cancel a subscription through the platform used to purchase it. Cancelling generally prevents future renewals but may not immediately terminate access for the current paid period.

Refund requests for purchases made through Apple are normally handled according to Apple’s policies and procedures. Benefithub does not guarantee that a refund will be issued.

Notifications, Alerts, and Communications

If you enable notifications or provide contact details, we may send scan updates, possible match alerts, security notices, service announcements, subscription information, and support communications.

Notifications may be delayed, blocked, or unavailable due to device settings, network issues, operating system restrictions, or third-party services. You remain responsible for checking official deadlines and sources independently.

Intellectual Property

The Service, including its software, branding, logos, interface, design, text, graphics, workflows, databases, compilations, and original content, is owned by or licensed to Benefithub and protected by applicable intellectual property laws.

Subject to these Terms, we grant you a limited, personal, non-exclusive, non-transferable, revocable licence to use the Service for lawful personal purposes. No ownership rights are transferred to you.

Prohibited Uses

You must not:

• use the Service for unlawful, fraudulent, deceptive, or abusive purposes;
• submit false, stolen, fabricated, or misleading information;
• impersonate another person or access another person’s account without permission;
• scrape, copy, crawl, reverse engineer, decompile, or attempt to extract source code;
• interfere with servers, security controls, networks, or Service availability;
• introduce malware, automated requests, bots, or excessive traffic;
• resell, sublicense, or commercially exploit the Service without written authorisation;
• misrepresent Benefithub as a government agency or official claims service;
• use displayed information to harass, discriminate against, or unlawfully profile another person;
• violate the rights of Benefithub or any third party.

Service Availability and Accuracy

We may perform maintenance, update data sources, modify features, or experience outages. The Service may not always be available, error-free, compatible with every device, or suitable for every location.

We may correct, remove, or update results at any time. A result previously displayed may become unavailable, be replaced, or change when new data is received.

Disclaimer of Warranties

To the maximum extent permitted by law, the Service is provided on an “as is” and “as available” basis without warranties of any kind, whether express, implied, statutory, or otherwise.

We disclaim warranties of merchantability, fitness for a particular purpose, accuracy, non-infringement, availability, security, reliability, and uninterrupted operation. We do not warrant that matches will be complete, correct, current, or suitable for your circumstances.

Limitation of Liability

To the fullest extent permitted by applicable law, Benefithub, its owners, directors, officers, employees, contractors, affiliates, licensors, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for loss of profits, revenue, data, opportunities, goodwill, expected savings, or benefits.

We will not be responsible for denied claims, missed deadlines, rejected applications, incorrect matches, third-party decisions, unavailable programs, inaccurate source data, payment failures, subscription platform actions, or losses arising from reliance on informational results.

Where liability cannot lawfully be excluded, our total aggregate liability arising from the Service will be limited to the greater of: (a) the amount you paid to Benefithub during the three months immediately before the event giving rise to the claim; or (b) the minimum amount required by applicable law.

Indemnity

To the extent permitted by law, you agree to defend, indemnify, and hold harmless Benefithub and its affiliates, owners, officers, employees, contractors, and service providers from claims, damages, liabilities, losses, costs, and expenses arising from your misuse of the Service, breach of these Terms, violation of law, false information, or infringement of third-party rights.

Suspension and Termination

We may suspend, restrict, or terminate access to the Service where reasonably necessary due to breach of these Terms, suspected fraud, abusive conduct, security risks, legal requirements, non-payment, technical risk, or protection of users and systems.

You may stop using the Service at any time. Termination does not automatically cancel subscriptions purchased through Apple unless you separately cancel them through your Apple account settings.

Changes to the Service

We may add, remove, modify, suspend, restrict, or discontinue features, modules, data sources, pricing, subscription plans, supported devices, or geographic availability at any time. We do not guarantee that any feature or source will remain available indefinitely.

Changes to These Terms

We may update these Terms to reflect legal, technical, operational, security, or business changes. Updated Terms will be posted within the app, on the website, or otherwise communicated where required.

Continued use of the Service after the effective date of updated Terms constitutes acceptance of the revised Terms, except where additional consent is legally required.

Third-Party Websites, Applications, and Services

Benefithub may provide links to official agencies, claims administrators, commercial providers, research organisations, pharmacies, or other external websites and services. These links are provided for convenience only.

We do not control and are not responsible for third-party content, privacy practices, eligibility rules, availability, security, or transactions. Your use of external services is governed by their own terms and policies.

Governing Law

These Terms, your use of the Service, and any non-contractual obligations arising from or connected with them will be governed by the laws of India, without regard to conflict-of-law principles, except where mandatory consumer protection laws require otherwise.

Dispute Resolution and Jurisdiction

Before starting formal proceedings, you agree to contact us and attempt to resolve the dispute in good faith for at least 30 days.

Subject to applicable mandatory law, any dispute, controversy, or claim arising out of or relating to the Service, these Terms, or your relationship with Benefithub will be subject to the exclusive jurisdiction of the competent courts located in Kolkata, West Bengal, India.

At our option, a dispute may be referred to binding arbitration in Kolkata, West Bengal, India, conducted in the English language under the Arbitration and Conciliation Act, 1996, as amended. The arbitrator’s decision may be enforced in any court of competent jurisdiction.

Miscellaneous

These Terms, together with the Privacy Policy, subscription disclosures, and any additional terms displayed for a feature, form the entire agreement between you and Benefithub regarding the Service.

If any provision is held invalid or unenforceable, the remaining provisions will continue in effect. Our failure to enforce a provision is not a waiver. You may not assign your rights under these Terms without our written consent. We may assign these Terms as part of a merger, restructuring, financing, acquisition, or sale of assets.

Headings are for convenience only and do not affect interpretation. The English version controls unless mandatory law requires otherwise.