Terms of Service

Last updated: 11 November 2026

1. Who we are

Dreams Biz Hub (dreamsbizhub.com) is run by Online Dreams Retailers LLC, a Wyoming limited liability company, 1621 Central Ave, #69264, Cheyenne, WY 82001, USA ("we", "us"). By creating an account or using the site, you agree to these terms.

2. Your account

• You need to be at least 18, or the age of majority where you live, to create an account and buy a plan.
• Give a real email address and keep your password private. You're responsible for what happens in your account.
• One account is for one business owner. Please don't share your login or resell access to the tools.

3. Plans and prices

• Free: the Invoice Maker with the standard template, and the Payslip Maker for up to 3 payslips in any 7 days, at no cost. Documents made on the Free plan show a small "Made with Dreams Biz Hub" line.
• Tools: US$9 a month or US$90 a year. Includes the Payslip Maker, Timesheets, Cash Flow Predictor, premium invoices and Diamond, our AI helper, with up to 15 questions a day.
• Pro: US$15 a month or US$135 a year. Everything in Tools, plus Task Master, the monthly business report and Diamond with no daily limit (a fair-use safety limit applies to stop misuse).
• Business Setup Masterclass: a one-time payment for lifetime access to the masterclass and its toolkit, including 3 months of the Tools plan. Masterclass Plus includes a full year of the Tools plan. Prices are shown on the homepage at the time you buy.

Founding price for Pro: Pro is US$15 a month (or US$135 a year) until 11 July 2027, then US$25 a month. If you join Pro before that date, you keep the price you joined at, monthly or yearly, for as long as your subscription stays active. If you cancel and later join again after the change, the price at that time applies.

Prices are in US dollars. Your bank may add its own foreign-exchange or card fees. Any taxes that apply are added at checkout. If we change a price, the change applies from your next renewal, and we'll tell you before it happens.

4. Free trial of Tools

New members can try the Tools plan free for 7 days, once per person. A card is needed to start the trial. Your members area shows how many days are left. If you don't cancel before the trial ends, your Tools plan starts and your card is charged the plan price (US$9 a month or US$90 a year, whichever you chose). You can cancel during the trial from Menu → Manage billing and receipts and you won't be charged. Pro and the masterclass don't include a free trial.

4b. Billing and renewals

Payments are processed securely by Stripe. We never see or store your full card number. Monthly and yearly plans renew automatically at the end of each period, using the card on file, until you cancel. Stripe emails you a receipt for each payment.

5. Cancelling

You can cancel any time from Menu → Manage billing and receipts in your members area. When you cancel, your plan stays active until the end of the period you've already paid for, then your account moves to the Free plan. Your account and free tools stay available.

6. No refunds

Because our tools and masterclass are digital and available the moment you pay, all sales are final and payments are not refundable. This includes monthly and yearly plans, part-used periods, the Business Setup Masterclass and Masterclass Plus. You can try the free Invoice Maker before buying, and you can cancel a plan at any time so you're not charged again.

The only exceptions are:

• Billing mistakes: if you were charged twice, or charged after you had already cancelled, we'll refund the extra payment.
• Where the law requires it: if a consumer law where you live gives you a refund right that can't be waived, we'll follow it.

If you think there's a billing mistake, email hello@dreamsbizhub.com from your account email and we'll look into it straight away. Please contact us before disputing a charge with your bank.

7. Changing plans

When you upgrade, you get the new plan straight away and pay only the difference for the rest of your current period. When you move to a cheaper plan, or from yearly to monthly, the change starts at the end of your current period.

8. The tools are a helping hand, not professional advice

Payslip deductions, overtime, cash-flow forecasts, reports and Diamond's answers are estimates based on the information you enter and on the rules we know of at the time. Tax and labour rules change and differ from place to place. Always check important figures with an accountant, a lawyer or your government's official website. Diamond is an AI helper and can make mistakes. We aren't responsible for decisions you make based on the tools.

9. Your information and content

What you enter in the tools belongs to you. We only use it to run the tools for you, as explained in our Privacy Policy. The site's design, tools, text, masterclass and toolkit belong to Online Dreams Retailers LLC. You may use them for your own business, but please don't copy, resell or share them.

10. Fair use

Please don't misuse the site: no trying to break in, overload it, scrape it, or use it for anything illegal or to harm others. We may suspend or close an account that does, and we'll refund any unused paid time unless the account broke these terms.

11. Availability

We work hard to keep the site running and we check it automatically every few hours, but we can't promise it will never be down or never have a bug. We may improve, change or remove features over time, and we'll give notice before removing anything you pay for.

12. Limit of liability

As far as the law allows, the site is provided "as is", and our total responsibility to you for any claim is limited to the amount you paid us in the 12 months before the claim. We aren't liable for indirect losses such as lost profits or lost data. Nothing in these terms limits rights you have under consumer laws that can't be changed by agreement.

13. Law

These terms are governed by the laws of the State of Wyoming, USA. If there's ever a problem, please email us first; most things can be sorted out quickly.

14. Changes to these terms

If we make important changes, we'll update the date at the top and let members know by email or a notice on the site. Using the site after a change means you accept the new terms.

15. Contact

Online Dreams Retailers LLC · 1621 Central Ave, #69264, Cheyenne, WY 82001, USA · hello@dreamsbizhub.com