Terms of Service

1. Acceptance of Terms

By creating an account, accessing, or using CCW Hub (the "Platform"), you agree to be bound by these Terms of Service, our Privacy Policy, and all applicable laws and regulations. If you do not agree to these terms, you must not use the Platform.

These Terms constitute a legally binding agreement between you and CCW Hub LLC ("CCW Hub," "we," "us," or "our"). Your continued use of the Platform signifies your acceptance of these Terms and any future modifications.

2. Description of Service

CCW Hub is a multi-tenant SaaS platform that connects certified firearms instructors ("Instructors") with individuals seeking firearms training ("Students"). Our services include:

• For Instructors: Tools to create and manage class listings, accept bookings, process payments, manage locations, communicate with students, and track earnings.
• For Students: Search and discovery of firearms classes, online booking and payment, class reminders, and access to booking history.
• Payment Processing: Secure payment processing via Stripe Connect, including payment collection, platform fee deduction, and instructor payouts.
• Communications: Email notifications, booking confirmations, class reminders, and messaging between instructors and students.

CCW Hub is a technology platform only. We do not provide firearms instruction, verify instructor credentials beyond basic documentation review, or assume responsibility for the quality or safety of classes offered through the Platform.

3. User Accounts

3.1 Account Registration

To use certain features of the Platform, you must create an account. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain and promptly update your account information
• Maintain the confidentiality of your password and account credentials
• Immediately notify us of any unauthorized access to your account
• Accept responsibility for all activities that occur under your account

3.2 Eligibility

To create an account, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding contracts
• Not be prohibited from using the Platform under any applicable laws
• Not have been previously banned or suspended from the Platform

3.3 Instructor Accounts

Instructors must additionally:

• Possess all required certifications, licenses, and permits to legally offer firearms instruction in their jurisdiction
• Maintain current liability insurance with minimum coverage as specified by their state
• Provide proof of credentials and insurance upon request
• Immediately notify CCW Hub of any certification or license suspensions, revocations, or changes

3.4 Account Suspension and Termination

We reserve the right to suspend or terminate your account at any time, with or without notice, for violations of these Terms, fraudulent activity, or any conduct that we deem harmful to the Platform or other users.

4. Booking and Payments

4.1 Class Bookings

Students may book classes through the Platform by selecting a class, providing required information, and submitting payment. A booking is confirmed when the student receives a confirmation email.

By confirming a booking, the student enters into a direct contract with the Instructor for the provision of training services. CCW Hub acts solely as a payment processor and technology platform facilitator.

4.2 Payment Processing

All payments are processed securely through Stripe. By making a payment, you agree to Stripe's Terms of Service and authorize CCW Hub to charge your payment method for the full booking amount.

Payment is due in full at the time of booking. We accept major credit cards, debit cards, and other payment methods supported by Stripe.

4.3 Payment Security

CCW Hub does not store your complete credit card information. All payment data is encrypted and securely transmitted to Stripe for processing. We are PCI-DSS compliant through our payment processor.

5. Platform Fees

5.1 Revenue Split

CCW Hub operates on an 80/20 revenue split model for all class bookings:

• Instructor Share: 80% of the gross booking amount (before payment processing fees)
• Platform Fee: 20% of the gross booking amount

The platform fee covers technology infrastructure, payment processing, customer support, marketing, and ongoing platform development.

5.2 Payment Processing Fees

In addition to the platform fee, Stripe charges standard payment processing fees (approximately 2.9% + $0.30 per transaction). These fees are deducted from the instructor's 80% share.

Example: For a $100 class booking:

• Platform receives: $20.00 (20%)
• Instructor receives before Stripe fees: $80.00 (80%)
• Stripe processing fee: ~$2.62 (2.9% of $80 + $0.30)
• Instructor net payout: ~$77.38

5.3 Fee Changes

We reserve the right to modify platform fees with 60 days' advance notice to all active Instructors. Fee changes will not apply to bookings already confirmed at the time of the change.

5.4 Instructor Payouts

Instructor earnings are automatically transferred to their connected Stripe account within 7 business days of class completion. To receive payouts, Instructors must:

• Complete Stripe Connect onboarding
• Provide valid bank account information
• Maintain an account in good standing
• Comply with all applicable tax reporting requirements

6. Cancellation and Refunds

6.1 Instructor Cancellations

If an Instructor cancels a confirmed class:

• Students must receive a full refund within 5 business days
• Instructors must provide at least 48 hours' notice whenever possible
• The platform fee is waived for instructor-initiated cancellations
• Repeated cancellations may result in account suspension or termination
• Instructors may be subject to penalties for cancellations without reasonable notice

6.2 Student Cancellations

Instructors set their own cancellation policies, which are clearly displayed during the booking process. Typical policies include:

• Flexible: Full refund if cancelled 7+ days before class; 50% refund if cancelled 3-6 days before; no refund within 2 days
• Moderate: Full refund if cancelled 14+ days before; 50% refund if cancelled 7-13 days before; no refund within 6 days
• Strict: Full refund if cancelled 30+ days before; 50% refund if cancelled 14-29 days before; no refund within 13 days

Refunds are processed to the original payment method within 5-10 business days.

6.3 Exceptional Circumstances

In cases of emergency, illness, or extenuating circumstances, students may request special consideration from the Instructor. CCW Hub may mediate disputes but has no obligation to override an Instructor's cancellation policy.

7. Instructor Responsibilities

7.1 Certification and Compliance

Instructors agree to:

• Maintain all required federal, state, and local certifications and licenses
• Carry current liability insurance with minimum coverage as required by law
• Comply with all firearms laws and regulations in their jurisdiction
• Provide accurate information about credentials and experience
• Immediately notify CCW Hub of any certification changes, suspensions, or legal issues

7.2 Class Delivery and Safety

Instructors agree to:

• Conduct classes as scheduled and described in listings
• Provide a safe, professional learning environment
• Follow industry-standard safety protocols
• Screen students for eligibility where required by law
• Issue certificates of completion for qualifying courses
• Maintain accurate attendance records

7.3 Listing Accuracy

Instructors agree to:

• Provide accurate, complete, and truthful class descriptions
• Clearly state class requirements, prerequisites, and physical demands
• Update pricing, schedules, and availability promptly
• Not make false or misleading claims about credentials or course benefits
• Accurately represent class duration, curriculum, and outcomes

7.4 Student Communication

Instructors agree to:

• Respond to student inquiries within 24 hours
• Send class confirmations and reminders through the Platform
• Provide clear instructions about class location, parking, and what to bring
• Communicate any changes or cancellations promptly

8. Student Responsibilities

As a Student using the Platform, you agree to:

• Provide accurate information when booking classes
• Meet all age, legal, and eligibility requirements for class participation
• Arrive on time and prepared with required materials or documentation
• Follow all safety instructions and range rules provided by Instructors
• Treat Instructors, facilities, and other students with respect
• Comply with the Instructor's cancellation policy
• Pay all fees associated with bookings
• Not attend classes if legally prohibited from firearms possession
• Disclose any physical or medical conditions that may affect participation
• Not record or photograph classes without instructor permission

Students who violate safety rules, behave disruptively, or are ineligible to participate may be removed from classes without refund.

9. Intellectual Property

9.1 CCW Hub Content

The Platform and its original content, features, and functionality (excluding user-generated content) are owned by CCW Hub and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.

You may not:

• Copy, modify, distribute, or create derivative works from our content
• Reverse engineer or attempt to extract source code from the Platform
• Use our trademarks, logos, or branding without written permission
• Scrape, crawl, or data mine the Platform
• Remove or alter copyright notices or proprietary markings

9.2 User-Generated Content

By posting content on the Platform (class listings, photos, reviews, messages, etc.), you grant CCW Hub a non-exclusive, worldwide, royalty-free, perpetual, transferable license to use, display, reproduce, modify, and distribute your content for the purpose of operating and promoting the Platform.

You represent and warrant that:

• You own or have the right to post the content
• Your content does not infringe any third-party intellectual property rights
• Your content complies with these Terms and applicable laws

9.3 Instructor Course Materials

Instructors retain ownership of their proprietary course materials, curricula, and training content. Students may not reproduce, distribute, or commercially use instructor materials without express written permission.

10. Limitation of Liability

10.1 Platform Disclaimer

THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT.

CCW Hub does not warrant that:

• The Platform will be uninterrupted, secure, or error-free
• Defects will be corrected
• The Platform is free from viruses or harmful components
• Information on the Platform is accurate, complete, or current

10.2 Third-Party Services

CCW Hub is a technology platform connecting independent contractors (Instructors) with Students. We do not:

• Employ or supervise Instructors
• Verify instructor credentials beyond basic documentation review
• Control how Instructors conduct their classes
• Guarantee the quality, safety, or effectiveness of instruction
• Assume responsibility for injuries, damages, or losses arising from class participation

Instructors are solely responsible for their own conduct, instruction quality, and compliance with laws and regulations.

10.3 Limitation of Damages

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CCW HUB, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOST PROFITS, DATA LOSS, PERSONAL INJURY, PROPERTY DAMAGE, OR BUSINESS INTERRUPTION, ARISING FROM:

• Your use or inability to use the Platform
• Any conduct or content of third parties on the Platform
• Unauthorized access to your account or data
• Classes or instruction provided by Instructors
• Any other matter relating to the Platform

10.4 Liability Cap

IN NO EVENT SHALL CCW HUB'S TOTAL LIABILITY TO YOU FOR ALL CLAIMS EXCEED THE GREATER OF $100 OR THE AMOUNT YOU PAID TO CCW HUB IN THE 12 MONTHS PRECEDING THE CLAIM.

10.5 State-Specific Provisions

Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability for incidental or consequential damages. In such jurisdictions, our liability will be limited to the maximum extent permitted by law.

11. Dispute Resolution

11.1 Informal Resolution

Before filing a formal legal claim, you agree to contact us at legal@ccwhub.com to attempt to resolve the dispute informally. We commit to working with you in good faith to reach a fair resolution.

11.2 Binding Arbitration

If informal resolution fails, you agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Platform shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) in accordance with its Commercial Arbitration Rules.

Arbitration terms:

• Arbitration will be conducted in Detroit, Michigan (or another mutually agreed location)
• The arbitrator's decision will be final and binding
• Each party will bear its own costs and attorneys' fees unless the arbitrator awards otherwise
• The arbitrator may award any relief available in a court of law

11.3 Class Action Waiver

YOU AGREE THAT ANY ARBITRATION OR LEGAL PROCEEDING SHALL BE CONDUCTED ON AN INDIVIDUAL BASIS AND NOT AS A CLASS ACTION, CONSOLIDATED ACTION, OR REPRESENTATIVE ACTION. YOU WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION.

11.4 Exceptions to Arbitration

Either party may seek injunctive or equitable relief in court to protect intellectual property rights or prevent unauthorized use of the Platform.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Michigan, without regard to its conflict of law principles.

If the arbitration agreement is found to be unenforceable, you agree to submit to the exclusive jurisdiction of the state and federal courts located in Wayne County, Michigan.

13. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of material changes via:

• Email to your registered email address
• Prominent notice on the Platform
• In-app notification for active users

Material changes will take effect 30 days after notification. Your continued use of the Platform after the effective date constitutes acceptance of the modified Terms.

If you do not agree to the modified Terms, you must stop using the Platform and may terminate your account.

14. Contact Information

For questions, concerns, or notices regarding these Terms, please contact us: