Effective Date: February 2026

By accessing or using TalkHub™, including booking or participating in any session, you agree to the following Terms of Use.
If you do not agree, do not use this platform.

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1. Service Classification

TalkHub™ provides non-clinical, time-based conversational access only.

Sessions are structured opportunities for individuals to speak and be heard by trained independent lay listeners™ in a neutral, non-directive environment.

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TalkHub™ does not provide:

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• Therapy
• Counseling
• Mental health treatment
• Diagnosis
• Treatment
• Coaching
• Crisis intervention
• Emergency services
• Medical advice
• Legal advice
• Financial advice
• Professional advice
• Any service requiring state or international licensure

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TalkHub™ is not a substitute for licensed care of any kind.

Sessions are time-based conversations. Payment is for time and access — not outcomes.

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2. Age Eligibility

TalkHub™ services are available only to individuals 18 years of age or older.

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By booking a session, you affirm that you are at least 18 years old.

TalkHub™ relies on user attestation during soft launch and does not independently verify age or identity.

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3. Personal Responsibility

You acknowledge and agree:

​• You are solely responsible for your decisions, actions, and interpretations.
• TalkHub™ does not provide instruction, direction, or advice.
• Participation is voluntary and at your own discretion.

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You understand that conversation alone does not constitute professional care.

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4. Respectful Conduct Requirement

TalkHub™ maintains a neutral, respectful conversational environment.

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The following are strictly prohibited:

• Explicit sexual content
• Lewd or suggestive conduct
• Hate speech
• Harassment
• Threats
• Abusive or violent language
• Illegal activity discussion
• Attempts to manipulate or intimidate listeners

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If inappropriate conduct occurs:

• The session may be terminated immediately at listener discretion.
• No refund will be issued.
• Future access may be restricted or permanently denied.

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Termination decisions are final.

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5. Crisis & Safety Boundaries

TalkHub™ is not a crisis service.

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If conversation content involves:

• Active self-harm ideation
• Threats of violence
• Immediate danger
• Emergency-level distress

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The session may be ended and you may be directed to appropriate external resources.

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TalkHub™ does not provide crisis intervention.

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If you are experiencing an emergency, contact local emergency services immediately.

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6. Booking & Payment Policy

• Payment is required prior to session confirmation.
• All purchases are final.
• One reschedule is permitted with at least 24 hours’ notice.
• Missed sessions are non-refundable.
• Late arrivals beyond 5 minutes may result in cancellation at listener discretion.

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Refunds are not issued for dissatisfaction with subjective conversational experience.

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7. Confidentiality & Recording Policy

TalkHub™ does not record sessions.

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No session transcripts or archives are maintained.

Minimal internal operational logs may be kept for scheduling, compliance, or safety purposes only.

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Users agree not to record sessions without express written permission.

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8. Privacy & Data Processing

TalkHub™ collects only necessary information:

• First name
• Email address
• Payment information (processed securely via third-party providers)

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Payment data is processed through Stripe or other secure payment processors and is not stored directly by TalkHub™.

Personal information is processed in accordance with applicable data protection laws.

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By using the platform, you consent to the processing of your data in the United States.

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TalkHub™ does not sell personal data.

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9. Geographic Scope

TalkHub™ operates from the United States.

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TalkHub™ makes no representation that the platform is appropriate or available in all jurisdictions. Users access the platform at their own initiative and are responsible for compliance with local laws.

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10. Limitation of Liability

TalkHub™ provides access to conversation only.

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To the fullest extent permitted by law:

TalkHub™ disclaims liability for decisions, actions, emotional responses, or outcomes resulting from participation.

Under no circumstances shall TalkHub™ be liable for indirect, incidental, consequential, or punitive damages.

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Total liability, if any, shall not exceed the amount paid for the session in question.

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11. Intellectual Property

All TalkHub™ branding, language, frameworks, and proprietary materials are protected intellectual property.

Unauthorized reproduction, distribution, or commercial use is prohibited.

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12. Governing Law & Binding Arbitration

These Terms are governed by the laws of the State of Texas, without regard to conflict-of-law principles.

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Any dispute arising out of or relating to these Terms or use of the platform shall be resolved exclusively through final and binding arbitration conducted in the State of Texas.

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You agree that:

• Arbitration will occur on an individual basis only.
• Class actions and collective proceedings are not permitted.
• The arbitrator has exclusive authority to determine enforceability of this provision.

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Judgment on the arbitration award may be entered in any court of competent jurisdiction.

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Notwithstanding the above, TalkHub™ reserves the right to seek injunctive relief in court to protect intellectual property, confidentiality, or platform integrity.

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13. Modification of Terms

TalkHub™ may update these Terms at any time.

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Continued use of the platform constitutes acceptance of revised Terms.