Terms of Service

Please read these Terms of Service carefully before using How-To Hub.

Last Updated: January 2026

1. Acceptance of Terms

By accessing and using How-To Hub (the "Website"), you accept and agree to be bound by the terms and conditions of this agreement. If you do not agree to these Terms of Service, please do not use this Website.

2. Description of Service

How-To Hub provides informational content and how-to guides (the "Service") designed to help Filipinos navigate various topics including government services, financial literacy, technology, and more. The Service is provided free of charge and is supported by advertising.

3. User Responsibilities

3.1 Appropriate Use

You agree to use the Website only for lawful purposes and in a manner that does not:

• Infringe on the rights of others
• Restrict or inhibit anyone's use of the Website
• Attempt to gain unauthorized access to any systems or networks
• Transmit any harmful code, viruses, or malicious software
• Collect or harvest information about users without consent

3.2 Verification of Information

Users are responsible for verifying all information with official sources before taking action, especially for critical matters such as government applications, legal procedures, or financial decisions.

4. Content and Intellectual Property

4.1 Ownership

All content on How-To Hub, including text, graphics, logos, images, and software, is the property of How-To Hub or its content suppliers and is protected by Philippine and international copyright laws.

4.2 Limited License

You are granted a limited, non-exclusive, non-transferable license to access and use the Website for personal, non-commercial purposes. You may not:

• Reproduce, duplicate, copy, or sell any portion of the Website without written permission
• Modify or create derivative works based on the content
• Use the content for commercial purposes without authorization
• Remove any copyright or proprietary notices

4.3 Fair Use

Brief quotations with proper attribution and linking back to the original article are permitted under fair use principles.

5. Disclaimers

5.1 Information Accuracy

While we strive to provide accurate and current information, How-To Hub makes no warranties or representations about the accuracy, reliability, completeness, or timeliness of the content. Information may become outdated, and procedures may change without notice.

5.2 Not Professional Advice

The content on this Website is for general informational purposes only and should not be considered:

• Legal advice or legal opinion
• Medical advice or diagnosis
• Financial, investment, or tax advice
• Professional consultation or services

Always consult with qualified professionals for specific advice tailored to your situation.

5.3 No Guarantees

We do not guarantee that:

• The Website will be available at all times or free from interruptions
• Information will be error-free or complete
• Following our guides will result in specific outcomes
• Third-party links or services will be reliable or accurate

5.4 "As Is" Basis

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

6. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, HOW-TO HUB, ITS OWNERS, EDITORS, WRITERS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY:

• Indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or use
• Damages arising from your use or inability to use the Website
• Reliance on any information obtained from the Website
• Errors, mistakes, or inaccuracies in content

This applies even if we have been advised of the possibility of such damages.

7. Third-Party Links and Services

The Website may contain links to third-party websites, services, or resources. These links are provided for convenience only. We do not endorse and are not responsible for:

• The content, accuracy, or availability of third-party sites
• The privacy practices of external websites
• Any damages or losses arising from your use of third-party services

Use of third-party websites is at your own risk.

8. Advertising and Monetization

How-To Hub displays advertisements to support the free provision of content. By using the Website, you acknowledge that:

• Advertisements are clearly labeled and separate from editorial content
• We use cookies and tracking for advertising purposes (see our Privacy Policy)
• We are not responsible for the content or accuracy of advertisements
• Third-party advertisers may collect data as described in their privacy policies

9. User-Generated Content

If the Website allows user comments, feedback, or submissions:

• You retain ownership of your content but grant us a license to use, display, and distribute it
• You are responsible for your submissions and must not post illegal, offensive, or infringing content
• We reserve the right to remove any content at our discretion
• We are not liable for user-generated content

10. Privacy

Your use of the Website is also governed by our Privacy Policy, which describes how we collect, use, and protect your information.

11. Modifications to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to the Website. Your continued use of the Website after changes constitutes acceptance of the modified terms.

12. Modifications to Service

We reserve the right to:

• Modify, suspend, or discontinue the Website or any part of it at any time
• Change content, features, or functionality without notice
• Remove or update any content at our discretion

13. Termination

We may terminate or suspend your access to the Website immediately, without prior notice or liability, for any reason, including if you breach these Terms of Service.

14. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the Republic of the Philippines, without regard to its conflict of law provisions.

15. Dispute Resolution

Any disputes arising from these Terms or your use of the Website shall be resolved through:

• Good faith negotiation between the parties
• If unresolved, through the appropriate courts in the Philippines

16. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that the Terms otherwise remain in full force and effect.

17. Entire Agreement

These Terms of Service, together with the Privacy Policy and any other legal notices published on the Website, constitute the entire agreement between you and How-To Hub regarding your use of the Website.

18. Contact Information

If you have questions about these Terms of Service, please contact us through our contact page.

Effective Date: January 1, 2026
Last Updated: January 2026
Website: https://howtoph.com