These Terms and Conditions govern your use of Dischub's services including domain registration, web hosting, email hosting, website development, mobile app development, graphic design, and payment gateway services. By accessing or using any of our services, you agree to be bound by these terms in full.

1. Acceptance of Terms: By registering an account or purchasing any service from Dischub, you confirm that you have read, understood, and agreed to these Terms and Conditions and our Privacy Policy.
2. Eligibility: You must be at least 18 years of age and legally capable of entering into a binding agreement to use our services. By using Dischub, you represent and warrant that you meet these requirements.

1 Use of Services

Dischub grants you a limited, non-exclusive, and non-transferable right to access and use our services solely for lawful business purposes. You agree not to misuse, resell, or exploit any part of our platform without prior written consent from Dischub.

Permitted Use

1. Personal and business use of registered services
2. Domain registration and management
3. Hosting of lawful website content
4. Use of payment gateway for legitimate transactions
5. Access to development and design services

Prohibited Activities

1. Hosting illegal, harmful, or offensive content
2. Attempting to hack or disrupt Dischub systems
3. Using the payment gateway for fraudulent transactions
4. Reselling services without written authorisation
5. Violating any applicable Zimbabwean or international laws

Account Responsibility

You are solely responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must notify Dischub immediately of any unauthorised access or security breach.

1. Lawful Use Only
2. One Account Per User
3. No Unauthorised Reselling
4. Full Compliance Required

Fair Use. Mutual Respect. Shared Responsibility.

2 Services, Payments and Refunds

Dischub offers a range of digital services including domain registration, web and email hosting, website and mobile app development, graphic design, and payment gateway integration. All services are subject to the specific terms outlined below.

Domain Registration

.co.zw domain registrations are processed through the official registry and are subject to availability. Once registered, domains are non-refundable. It is your responsibility to renew your domain before expiry. Dischub will not be liable for the loss of a domain due to failure to renew on time.

Web and Email Hosting

Hosting services are billed on a subscription basis. You are responsible for ensuring timely payment to avoid service interruption. Dischub does not guarantee uninterrupted access in the event of maintenance, unforeseen outages, or circumstances beyond our reasonable control.

Website and Mobile App Development

Development projects are governed by a separate project agreement that outlines scope, timelines, milestones, and payment terms. Work will only commence upon receipt of the agreed deposit. Any changes to the agreed scope may attract additional charges.

Graphic Design

Design services include a specified number of revision rounds as agreed at the time of engagement. Final files will only be released upon full payment. All creative work produced by Dischub remains our intellectual property until full payment has been received.

Payment Gateway

Use of the Dischub payment gateway is subject to our merchant agreement. You must only use the gateway for lawful transactions. Dischub reserves the right to withhold or reverse any payment deemed fraudulent or in violation of these terms. Transaction fees are non-refundable.

Refund Policy

1. Domain registrations are non-refundable once processed
2. Hosting fees are non-refundable after the service period has started
3. Development deposits are non-refundable once work has commenced
4. Design fees are non-refundable after the first revision has been delivered
5. Payment gateway transaction fees are non-refundable

3 Liability and Disclaimers

Dischub provides all services on an as-is and as-available basis. While we strive to maintain the highest standards of reliability and security, we cannot guarantee that our services will be error-free or uninterrupted at all times.

Limitation of Liability

1. Data Loss: Dischub shall not be held liable for any loss of data arising from hosting interruptions, server failures, or circumstances beyond our control. We strongly recommend maintaining regular backups of your data.
2. Third Party Services: Dischub may integrate with or recommend third party tools and platforms. We are not responsible for the performance, availability, or policies of any third party service.
3. Financial Loss: Dischub shall not be liable for any indirect, incidental, or consequential loss arising from the use or inability to use our services, including loss of business or revenue.
4. Content Responsibility: You are solely responsible for all content hosted, published, or transmitted through Dischub services. We do not monitor user content but reserve the right to remove any content that violates these terms.

Our Commitments to You

1. Transparency in pricing and service delivery
2. Security of your personal and payment data
3. Prompt support and communication
4. Fair and consistent application of these terms
5. Continuous improvement of our platform and services
6. Protection of your privacy in line with our Privacy Policy

Questions or Concerns

If you have any questions about these Terms and Conditions or need clarification on any of our policies, please reach out to our team via WhatsApp

This Security Policy outlines how Dischub protects your personal information, account data, and financial transactions across all our services including domain registration, web hosting, email hosting, website development, mobile app development, graphic design, and payment gateway services. Your security is our highest priority.

1. Our Commitment: Dischub is committed to maintaining the highest standards of data protection and security across every service we offer. We continuously review and improve our security practices to safeguard your information.
2. Scope: This policy applies to all users of Dischub services including individual customers, business clients, developers, and partners who interact with our platform in any capacity.

1 Data Protection and Privacy

Dischub collects and processes only the personal data necessary to deliver our services. All data is stored securely and is never sold, shared, or disclosed to third parties without your consent, except where required by law or necessary to fulfil your service request.

Data We Collect

1. Full name and contact information
2. Business name and billing address
3. Email address and phone number
4. Payment and transaction details
5. Domain registration and hosting preferences
6. Device and browser information for security purposes

How We Use Your Data

1. To provision and manage your services
2. To process payments securely and accurately
3. To communicate service updates and support responses
4. To detect and prevent fraudulent or unauthorised activity
5. To comply with legal and regulatory obligations

Your Data Rights

You have the right to access, correct, or request deletion of your personal data at any time. To exercise any of these rights, please contact our support team directly. We will respond to all data requests within a reasonable timeframe.

1. Data Minimisation
2. Purpose Limitation
3. Secure Storage
4. No Third Party Selling

Your Data. Your Rights. Our Responsibility.

2 Platform and Payment Security

Dischub employs industry standard security measures across all areas of our platform to ensure that your account, data, and transactions remain protected at all times.

Account Security

All user accounts are protected with secure authentication protocols. We strongly encourage users to use strong and unique passwords and to avoid sharing account credentials with anyone. Dischub will never ask for your password via email, phone, or any other channel.

Hosting and Infrastructure Security

Our hosting infrastructure is protected by enterprise grade firewalls, intrusion detection systems, and regular security audits. All data transmitted between your browser and our servers is encrypted using SSL technology to prevent unauthorised interception.

Email Security

Our email hosting services are equipped with spam filtering, virus scanning, and encryption protocols to protect your business communications. We recommend enabling two factor authentication on your email account for an added layer of protection.

Payment Security

All transactions processed through the Dischub payment gateway are secured using encryption and fraud detection systems. We do not store full card details on our servers. Every payment is monitored in real time to detect and prevent unauthorised or suspicious activity.

Development and Design Security

All websites and mobile applications developed by Dischub follow secure coding practices and industry standards. Client project files, source code, and design assets are stored securely and are only accessible to authorised team members directly involved in your project.

Security Standards We Follow

1. SSL encryption on all data transmissions
2. Secure password hashing and storage
3. Regular platform security audits and updates
4. Real time fraud monitoring on all transactions
5. Strict access controls and role based permissions
6. Secure backup and disaster recovery procedures

3 Incident Response and Reporting

In the event of a security incident or data breach, Dischub has a dedicated response process to contain the threat, assess the impact, and notify affected users as quickly as possible in accordance with applicable laws and regulations.

How We Respond to Security Incidents

1. Detection: Our systems continuously monitor for unusual activity, unauthorised access attempts, and potential threats across all services.
2. Containment: Upon detecting a security incident, our team immediately works to contain and isolate the affected systems to prevent further impact.
3. Notification: Affected users will be informed of any breach that may have compromised their data as promptly as possible, along with guidance on steps to protect themselves.
4. Review and Improvement: Following any incident, we conduct a thorough review to identify the root cause and implement measures to prevent recurrence.

Reporting a Security Concern

1. Contact our team immediately via WhatsApp
2. Provide a clear description of the suspected issue
3. Do not share sensitive information over unsecured channels
4. Avoid attempting to exploit or investigate the vulnerability yourself
5. Our team will acknowledge your report and respond promptly
6. All reports are treated with strict confidentiality

Contact Our Security Team

If you have any questions about this Security Policy or wish to report a security concern, please reach out to our team directly via WhatsApp

This page outlines the official communication channels available to all Dischub users. Whether you are a new customer, an existing client, or a business partner, we want to ensure that reaching us is always simple, fast, and reliable across all our services including domain registration, web hosting, email hosting, website development, mobile app development, graphic design, and payment gateway services.

1. Our Commitment: Dischub is committed to providing prompt, professional, and helpful communication to every user. We ensure that all enquiries, support requests, and feedback are handled with care and responded to within a reasonable timeframe.
2. Scope: This policy applies to all users of Dischub services including individual customers, business clients, developers, and partners who need to get in touch with our team for any reason.

1 Available Communication Channels

Dischub offers multiple official channels through which you can reach our team. We encourage you to use the most appropriate channel based on the nature of your enquiry to ensure the fastest and most effective response.

Primary Channels

1. WhatsApp for instant support and general enquiries
2. Email for formal requests and written communication
3. Website contact form for new service enquiries
4. Phone call for urgent matters during business hours
5. Social media for updates, announcements, and community engagement

What You Can Reach Us For

1. Domain registration and renewal assistance
2. Web and email hosting support
3. Website and mobile app development enquiries
4. Graphic design and branding project requests
5. Payment gateway setup and transaction support
6. General account and billing enquiries

Response Expectations

We strive to respond to all enquiries as quickly as possible. WhatsApp messages are typically answered within a few hours during business hours. Email responses may take up to one business day. Urgent technical issues are prioritised and escalated immediately to the relevant team.

1. Fast Response Times
2. Professional Communication
3. Dedicated Support Team
4. Clear and Honest Feedback

Respectful. Responsive. Reliable.

2 Channel Guidelines and Best Practices

To help us serve you better and resolve your enquiry as efficiently as possible, please follow the guidelines below when reaching out through any of our official communication channels.

WhatsApp Support

WhatsApp is our primary and most responsive support channel. When messaging us, please include your full name, the service you are enquiring about, and a clear description of your issue or request. This helps our team assist you without unnecessary back and forth.

Email Communication

For formal requests, invoices, project briefs, or written agreements, please use our official email address. Include a clear subject line and all relevant details in your message. Attachments such as design briefs, content documents, or screenshots are welcome and encouraged where applicable.

Website and Mobile App Enquiries

If you are interested in commissioning a website or mobile application, please provide as much detail as possible about your project including your target audience, preferred features, timeline, and budget. This allows our development team to prepare an accurate proposal for you.

Design and Branding Requests

For graphic design enquiries, please share any reference materials, brand colours, preferred styles, or examples of work you admire. The more context you provide, the better our creative team can align with your vision from the very first concept.

Payment and Billing Support

For payment related queries including transaction disputes, billing corrections, or gateway integration support, please have your account details and transaction reference numbers ready when you contact us. This helps our team locate your records and resolve the issue promptly.

Communication Standards We Uphold

1. Prompt acknowledgement of all incoming enquiries
2. Clear and jargon free responses for all users
3. Honest and transparent communication at all times
4. Escalation of complex issues to senior team members
5. Follow up on unresolved matters within agreed timeframes
6. Confidential handling of all client information shared with us

3 Misuse and Communication Policy

Dischub is committed to maintaining a professional and respectful communication environment for both our team and our users. We ask that all users engage with our channels in a courteous and constructive manner.

Unacceptable Communication Behaviour

1. Abusive Language: Any communication containing offensive, threatening, or abusive language towards our team members will not be tolerated and may result in the suspension of your account.
2. Spam and Repetitive Messaging: Sending repeated messages across multiple channels for the same enquiry delays our response process. Please allow reasonable time for our team to respond before following up.
3. Impersonation: Attempting to impersonate a Dischub team member or another user in any communication channel is strictly prohibited and may be reported to the relevant authorities.
4. False or Misleading Information: Providing inaccurate information when raising a support request or complaint may delay resolution and could result in account review or suspension.

Our Pledge to You

1. We will never ask for your account credentials unexpectedly.
2. We will always respond with professionalism and respect
3. We will never share your communication with unauthorised parties
4. We will keep you informed throughout the resolution of your enquiry
5. We will escalate unresolved issues to ensure timely solutions
6. We will continuously improve our support based on your feedback
7. We will maintain clear and honest communication at every step

Get in Touch

Ready to reach us? For any enquiry, support request, or partnership discussion, contact our team directly via WhatsApp

This page outlines the charges associated with using the Dischub Payment Gateway. We believe in full transparency when it comes to pricing so that every merchant can plan and manage their payment operations with complete confidence. All charges are clearly defined below for both USD and ZWG transactions.

1. Our Commitment: Dischub is committed to providing a fair, transparent, and competitive payment gateway pricing structure. There are no hidden fees. Every charge is clearly communicated before you begin transacting.
2. Scope: These charges apply to all merchants and businesses using the Dischub payment gateway to receive payments from their customers in either USD or ZWG currency.

1 Transaction Charges Overview

Dischub charges a small percentage per transaction processed through the payment gateway. These charges cover the cost of secure payment processing, fraud monitoring, real time transaction tracking, and merchant dashboard access. Below is a full breakdown of charges per currency.

What the Charges Cover

1. Secure payment processing and encryption
2. Real time transaction monitoring and fraud detection
3. Merchant dashboard access and reporting
4. Payment link generation and management
5. Developer API access and integration support
6. Settlement processing and fund disbursement

Charge Summary by Currency

1. USD: Percentage fee per transaction plus a flat settlement fee
2. ZWG: Percentage fee per transaction plus a flat settlement fee in ZWG
3. Both currencies have a minimum settlement threshold before funds are released
4. All fees are deducted automatically at the point of settlement

Important Note on Fees

All transaction fees are non-refundable once a payment has been successfully processed. Settlement fees are charged per transaction at the time of disbursement and are separate from the percentage based transaction charge. Please ensure your pricing accounts for these fees accordingly.

1. No Monthly Fees
2. No Setup Costs
3. Pay Per Transaction Only
4. Full Fee Transparency

Transparent. Affordable. Merchant Friendly.

2 Detailed Charges by Currency

Below is the complete breakdown of payment gateway charges for each supported currency. Please review both sections carefully to understand exactly what will be deducted from each transaction and when your funds will be settled.

USD Charges

The following charges apply to all transactions processed in United States Dollars through the Dischub payment gateway. A percentage is deducted per transaction and a flat settlement fee is applied at the time of each disbursement.

1. Transaction Fee:       2.0 % per transaction
2. Settlement Threshold:  $ 250.0
3. Settlement Fee:        $ 7.50 per transaction
4. Currency:              United States Dollar (USD)
5. Settlement:            Funds released once threshold is reached
6. Fee Deduction:         Automatically applied at point of settlement

ZWG Charges

The following charges apply to all transactions processed in Zimbabwe Gold (ZWG) through the Dischub payment gateway. A percentage is deducted per transaction and a flat settlement fee in ZWG is applied at the time of each disbursement.

1. Transaction Fee:       2.0 % per transaction
2. Settlement Threshold:  8750.0 ZIG
3. Settlement Fee:        263 ZIG per transaction
4. Currency:              Zimbabwe Gold (ZWG)
5. Settlement:            Funds released once threshold is reached
6. Fee Deduction:         Automatically applied at point of settlement

Side by Side Comparison

3 Settlement Process and Policies

Understanding how and when your funds are settled is important for managing your business cash flow effectively. Dischub follows a clear and consistent settlement process for all merchants using the payment gateway.

How Settlement Works

1. Transaction Processing: When a customer makes a payment through your Dischub payment link or API integration, the funds are received and held securely in your merchant account.
2. Threshold Requirement: Funds will only be released for settlement once your account balance reaches the minimum settlement threshold for the applicable currency, either USD or ZWG.
3. Fee Deduction: At the point of settlement, the applicable transaction percentage fee and the flat settlement fee are automatically deducted from the amount being disbursed to your account.
4. Disbursement: Once all deductions have been applied and the threshold has been met, the net amount is disbursed to your registered merchant account promptly.

Settlement Policies

1. Transaction fees are non-refundable once payment is processed
2. Settlement fees are deducted automatically at disbursement
3. Funds are held until the minimum threshold is reached
4. Fraudulent transactions may be reversed before settlement
5. Merchants are responsible for accurate account details for disbursement
6. Dischub reserves the right to review settlements flagged for suspicious activity

Need Help with Gateway Charges?

If you have any questions about our payment gateway charges, settlement process, or need help getting started, please reach out to our team directly via WhatsApp