Effective Date: September 27, 2026 Version: 1.2

These Platform Terms of Service (the "Terms") are the master agreement between you and Hubabble for your use of the Hubabble platform. Please read them carefully. They cover how your account works, how billing works, how payments to and from your clients flow through our payments partner, how the Hubabble Community works, what we do and do not promise, and who is responsible for what.

We have tried to keep the language clear and human. Where a clause has to be precise to protect you or us, it is precise. Defined terms are capitalized.

1. Who we are and who you are

"Hubabble," "we," "us," and "our" mean Hubabble, LLC, a member-managed multi-member limited liability company organized under Oregon law.

Our principal office and notice address is:

Hubabble, LLC 403 Portway Avenue, Suite 300 Hood River, Oregon 97031

You can reach us about these Terms and about privacy and legal matters at privacy@hubabble.com.

"You" and "your" mean the person or entity that accepts these Terms and opens a Hubabble account. Most often that is an individual coach or a coaching practice entity. It also includes a person who opens an account to take part in the Hubabble Community (Section 9) without running a coaching practice on Hubabble, such as a student, graduate, or trainer whose access a partner organization sponsors. Where a provision only makes sense for a coach (for example, taking payments from clients), it applies to you once you use that feature. If you accept these Terms on behalf of a practice or company, you confirm you are authorized to bind that organization, and "you" means both you and that organization.

2. Acceptance and how these Terms change

2.1 You accept by using Hubabble

You accept these Terms when you click to agree as part of creating your account, at checkout, or when prompted to accept an updated version, and in any case by accessing or using the platform. If you do not agree, do not use Hubabble.

2.2 Recorded assent is a precondition to a binding agreement

These Terms are intended to bind you once your assent is recorded: the version you agreed to, plus the date, time, IP address, and browser user agent at the moment you clicked to agree. When you create your account, the application records your versioned acceptance of these Terms and of the Privacy Policy (the document version, your IP address, your browser user agent, and a timestamp).

2.3 We may update these Terms

We may update these Terms from time to time. When we make a material change, we will give you reasonable notice (for example, by email or an in-product notice) and ask you to accept the new version before you continue using the parts of Hubabble the change affects. The Effective Date and Version line at the top of this document always reflect the current version. If you keep using Hubabble after an update takes effect, that use is governed by the then-current Terms, subject to the recorded-assent precondition above.

3. The service and your account

3.1 What Hubabble is

Hubabble is software that bundles the tools to run a coaching practice: scheduling, video sessions and your video room, a simple CRM for your clients, transactional email, payments, document assembly and e-signature, and coach website templates. It also includes the Hubabble Community, shared spaces where members support each other (Section 9). We provide the software. We do not provide coaching, and we are not a party to the relationship between you and your clients, or between you and other members.

3.2 Your account and your credentials

You are responsible for your account, for keeping your login credentials secure, and for everything done under your account. Tell us promptly at privacy@hubabble.com if you believe your account has been accessed without your permission. You must give accurate account information and keep it current, including your practice time zone, which we require so that sessions and scheduling render correctly for you and your clients.

3.3 Your clients use Hubabble through you

Some of your clients will interact with Hubabble directly, for example by opening a secure personal link to confirm a session, sign a document, or make a payment. They do this on your behalf and within your account. You are responsible for the relationship with your clients and for what you ask them to do through Hubabble.

3.4 Eligibility and no minors

Hubabble is sold to adult coaches, and we presume your clients are adults. You must be at least 18 years old to open an account or to take part in the Hubabble Community. You agree not to use Hubabble to collect or process the personal data of anyone you know to be under 16, and not to onboard a client you know to be under 16. If a person under 16 is included in your account in error, you agree to tell us so we can delete their data.

4. Beta terms

During the beta period, Hubabble is offered to a small number of hand-picked coaches while we finish building. Beta has a few extra terms:

It is early software. Features may change, break, or be removed, and data loss is more likely than it will be at general availability. Keep your own copies of anything important.
We will ask for feedback, and you grant us permission to use feedback you give us to improve Hubabble, without obligation to you.
Beta pricing and any comped or grandfathered arrangement are described in your specific offer and, where applicable, supersede the standard billing terms in Section 5 for the duration stated in that offer.
Availability and support are best-effort during beta and are not subject to any service-level commitment.

5. Subscription, billing, and refunds

5.1 Plans and charges

Some Hubabble features require a paid subscription. The plan you choose, its price, and its billing cadence are shown to you at checkout and in your account. By subscribing, you authorize us (through our billing processor) to charge your payment method on a recurring basis until you cancel, plus any applicable taxes. A partner organization may sponsor a free period for its members, for example a longer free period that the partner pays for. If a partner organization sponsors a free period for you, we tell you its length and terms when we set it up, and you are not charged during it. A standard free trial is described in the Refund Policy.

5.2 Renewal and cancellation

Subscriptions renew automatically at the end of each billing period unless you cancel before the renewal date. You can cancel from your account. Cancellation stops future renewals; it does not, by itself, refund the current period except as set out in the Refund Policy.

5.3 Refund Policy by reference

Refunds for your Hubabble subscription are governed by the Hubabble Refund Policy, which is incorporated into these Terms by reference. The Refund Policy controls what is refundable and how to request a refund for amounts you pay to Hubabble.

5.4 Failed payments and taxes

If a charge fails, we may retry it and may suspend paid features until payment succeeds. Prices are exclusive of taxes unless stated otherwise, and you are responsible for any taxes other than taxes on our net income.

6. Taking payments from your clients

Hubabble lets you collect payments from your own clients. Payments are processed by our payments partner, Stripe. This section explains how that works and who is responsible for what. We keep the mechanics plain on purpose; you will not see processor jargon in the product.

To take client payments, you set up Payments in your account. As part of that setup, you enter into an agreement directly with Stripe, including the Stripe Services Agreement and the Stripe Connected Account Agreement, and you authorize the creation and operation of a payments account on your behalf. When you finish onboarding, you accept those Stripe agreements directly. Those agreements are between you and Stripe. Hubabble facilitates the setup but is not a party to your agreement with Stripe and is not your bank or money transmitter.

A few things flow from that setup, and we are required to pass them through to you in plain language:

Stripe is your payout agent. Stripe moves the money your clients pay into your payments account and pays it out to you. It acts on your behalf to do this, under the agreements you accept at onboarding.
Stripe can share your payments-account data with us. Because Hubabble sets up and helps operate your payments account, Stripe may share information about that account with us so we can run the platform, support you, and meet our own obligations as the platform that introduced you to Stripe.
We can recover negative balances and may need reserves. If your payments account goes negative (for example after refunds, disputes, or chargebacks that your balance cannot cover) you remain responsible for the shortfall, and we and Stripe may recover it from you and from future payments to you as your agreements permit. Stripe may also hold a reserve or delay a payout where its rules require.

6.2 Hubabble takes 0% of your client payments

Hubabble does not take a percentage of the money you collect from your own clients; our platform fee on your client payments is currently 0%. If that ever changes, we will tell you in advance and the change will not apply to amounts you have already collected.

The underlying payment processor charges its own per-transaction and per-payout fees. Those processing fees are passed through to you at cost. We do not mark them up, and we do not absorb them. So the money that reaches you is what your client paid, minus only the processor's own fees, never a Hubabble cut.

6.3 Money flows to you, and you are the merchant

When a client pays, the funds settle into your payments account and are paid out to you. You are the seller and merchant of record for your coaching services. You are responsible for delivering what your client paid for, for your own pricing, taxes, and receipts, and for compliance with the payments partner's rules and applicable law.

6.4 Refunds, disputes, and chargebacks are yours

Because you are the merchant, refunds, disputes, and chargebacks on your client payments are your responsibility and your liability, not Hubabble's.

When you refund a client, Hubabble's refund tooling reverses the related transfer and any associated platform fee so the refund comes out of your balance correctly. (For your own clients the platform fee is 0%, so there is nothing for us to keep or return.)
If a client disputes a charge or initiates a chargeback, the disputed amount and any related fees are debited from your balance under the payments partner's rules. You are responsible for responding to disputes and for any resulting losses.
If your balance is insufficient to cover a refund, dispute, or chargeback, you remain responsible for the shortfall, and we and the payments partner may recover it as permitted by your agreements.

6.5 We do not give payments jargon, but it still applies

We translate payment setup into plain language in the product. The underlying agreements you accept with the payments partner still govern your payments account in full, even where we describe them in friendlier terms.

7. Templates and legal information

Hubabble gives you document templates (such as coaching agreements, intake forms, consent and policy documents) and general information to help you run your coaching practice. Hubabble is not a law firm and is not your lawyer, and nothing in the templates or the product is legal advice. The templates are starting points provided for general informational purposes only and on an "as is" basis, without any warranty that they fit your situation or comply with the laws that apply to you or your clients. Laws differ by country, state, and province and change over time, so a template that works for one coach may not work for you. You are responsible for reviewing, editing, and deciding whether any template is right for your practice, and we strongly recommend you have it reviewed by a qualified lawyer licensed where you and your clients are located before you rely on it. Using Hubabble's templates does not create a lawyer-client (or solicitor-client) relationship between you and Hubabble, and your communications through Hubabble are not protected by any legal professional privilege. You are responsible for complying with the laws that apply to your coaching practice and for the agreements you send to your clients.

8. Your responsibilities and acceptable use

8.1 Run a lawful, legitimate practice

You are responsible for your coaching practice, for what you tell your clients, for the services you sell, and for complying with the laws and professional standards that apply to you. You must have the rights you need to any content you upload or send through Hubabble.

8.2 Professional licensing and scope of practice

You represent that you will not use Hubabble to deliver licensed or regulated services (for example therapy, counseling, psychotherapy, medical, mental-health, or other clinical care) that you are not authorized and licensed to provide. You are solely responsible for staying within your scope of practice, for any licensing, registration, supervision, or insurance your work requires, and for any duties you owe to a licensing board or professional body. Hubabble does not verify your credentials and does not assume any of these professional or regulatory duties on your behalf.

8.3 Acceptable use

You agree not to use Hubabble to:

break the law, infringe anyone's rights, or harm anyone;
send spam or unlawful, deceptive, harassing, or abusive messages, or violate anti-spam or telemarketing rules in your messaging to clients;
upload or distribute malware, or attempt to breach, probe, overload, or disrupt the platform or its security;
gain unauthorized access to any account, data, or system, or scrape the platform except as we expressly permit;
impersonate anyone, or misrepresent your affiliation with a person or entity;
use the platform to process payments for goods or services prohibited by the payments partner or by law, or to launder money or evade sanctions;
resell, sublicense, or provide the platform to third parties as a service, except to your own clients in the normal course of your practice; or
use the platform in a way that creates risk or legal exposure for Hubabble or for other coaches or members.

You are responsible for your clients' use of the platform features you expose to them. If you become aware of misuse under your account, you agree to address it promptly. Additional rules apply inside the Hubabble Community; see Section 9 and the Community Guidelines.

9. The Hubabble Community

Hubabble includes a community: shared spaces inside the app where members talk with each other, ask for and offer help, exchange referrals and practice sessions, hear announcements, and, in a community where Hubabble has switched it on, send each other private messages, which we call "Messages" (together, the "Community"). This Section applies whenever you read, post in, send a message in, or otherwise take part in the Community. The Hubabble Community Guidelines (community-guidelines.md) are part of these Terms and explain the day-to-day rules in plain language. If the Guidelines and this Section ever conflict, this Section controls.

9.1 Who runs the Community

Hubabble operates the Community. Some spaces are open to the whole Community. Others belong to a community we host for a partner training organization (a "Partner"), such as the class spaces for a Partner's students. A Partner's community may carry the Partner's name, seal, and colors alongside ours. Co-branding does not make the Partner the operator of the Community or a party to these Terms.

Hubabble's own platform administrators moderate every space. Until Hubabble turns on the roles described in this paragraph for a Partner's community, they are its only moderators. Once Hubabble has turned those roles on for a Partner's community, the Partner may appoint community admins and moderators for that community, including from its own staff. They act inside that community only. A moderator there can hide, remove, lock, or pin content, work the reports about content posted in that community (without learning who reported it, and never reports about messages, which only Hubabble handles), pause a member's access to that community, and give members labels such as "Staff." An admin can also set that community's branding, house rules, labels, spaces (including adding people already in that community to them), default spaces, and join codes, and appoint its moderators. Neither can see your email address, your account, billing, or practice data, or anything about your clients, and neither has any role in another community. The Guidelines govern every community; a Partner's house rules may add to them and never loosen them. Announcements spaces are for news about that community and its program, not advertising; we may turn off announcement emails for a space that is used for promotion. Hubabble can reverse any decision a Partner's admin or moderator makes and can remove those roles at any time. You can ask us to review any moderation decision, including one made by a Partner's admin or moderator (Section 9.7).

9.2 Who can join, and join codes

The Community is for adults: you must be at least 18 to take part. Members are Hubabble coaches and people whose Community access a Partner sponsors (for example, the Partner's current students, graduates, and trainers). Clients of coaches are not Community members and do not see Community content.

When you join the Community, you are added to its Hubabble-wide open spaces, and you can join any other open space yourself. You join a class or members-only space when we or that community's admins add you to it, or when you redeem a join code that was shared with a class or group you belong to. A join code is meant for the group it was issued to. Do not share one outside that group, and do not use one that was not meant for you. We record which code was redeemed, by whom, and when. We may decline, limit, or revoke access to a space, including where a Partner tells us you are no longer part of the group the space was created for.

Taking part in the Community is free. If you create your account from a join code, we put it on our free Community plan. If you already have an account and redeem a join code, we put the account on that plan only if you own it, it has never held any other Hubabble plan, and it has nothing published; otherwise you are simply added to the space. The Community plan includes the Community, not the paid practice tools described in Section 5, though we may turn on a practice tool for an account on it, such as a booking page during a pilot. If we do, these Terms apply to your use of that tool as they do for any coach, including Section 10.2 for the client data it collects.

9.3 Partner-sponsored access

Where a Partner sponsors your Community access, the Partner pays Hubabble a flat fee that covers its people. You are not charged for sponsored Community access, and we do not bill anyone per member. Sponsorship covers the Community only; the coaching-practice tools are subject to their own plans under Section 5.

Sponsorship gives the Partner no ownership of your Hubabble account or your content, and no control over your account. What a Partner's admins and moderators may do with content and access inside the Partner's own community is set out in Sections 9.1 and 9.7. If a Partner's sponsorship ends, or a Partner tells us you are no longer part of its program, we may close the Partner's spaces or keep them available read-only, but we will not delete your account, your profile, or the content you posted in Hubabble-wide spaces for that reason.

What a Partner can see is limited to its own community, and only once Hubabble has turned on the roles in Section 9.1 for it. Its admins and moderators can then see who belongs to that community (your name, photo, labels, and the Community profile you chose for it), what is posted in its spaces, and the reports about content posted there, without the reporter's identity. They never see Messages or reports about them. Members can see the members list of each space they are in, unless that space keeps its list private. A Partner never receives your email address, your account, billing, or calendar data, anything about your clients, or anything from another community, and we do not report your activity to a Partner beyond what its own admins and moderators can see inside its community. A Partner's staff who hold no such role see the spaces they belong to the way any member does. Until Hubabble turns those roles on, the Partner receives none of the above. Before we turn those roles on for a Partner's community you belong to, we will tell you inside that community.

9.4 Your Community content, and the license you give us

"Community Content" means anything you post or share in the Community: posts, replies, reactions, messages you send in Messages, your Community profile (your name, photo, and short bio), and any attachments.

You own your Community Content. So that we can run the Community, you grant Hubabble a worldwide, non-exclusive, royalty-free license, for as long as the content remains in the Community, to host, store, reproduce, format, display, and distribute your Community Content to the members who have access to the space where you shared it (for a message, to the people in that conversation), and to include it (in full or as an excerpt) in the notifications and digests those members receive (emails about messages never include what a message says). This license extends to our subprocessors for the same purpose, and to any app you yourself connect to your Hubabble account (Section 9.11).

You also grant Hubabble a worldwide, non-exclusive, royalty-free license to use your Community Content to develop and improve Hubabble, including to train, fine-tune, and evaluate machine-learning models that power Hubabble features, subject to the notice and opt-out described in our Privacy Policy (Section 16). This license does not cover messages you send in Messages. We will not use content you or a moderator removed before that use, and we will not use anything identifying a coach's clients. Opting out, or removing your content, stops future use; it does not require us to retrain a model already trained. We will not use your Community Content in our marketing or anywhere outside the Community without your separate permission.

Other members may read your content inside the Community. They may not copy, scrape, or republish it outside the Community without your permission, and you agree to the same in return. Reading Community Content through an app you have connected to your own Hubabble account (Section 9.11), for your own use, is not copying or republishing it outside the Community. Sharing what that app shows you with anyone who is not a member of the space it came from, or, for a message, not in that conversation, is.

You are responsible for your Community Content. You confirm that you have the rights you need to post it and that it does not break the law, infringe anyone's rights, or violate the Guidelines. What members share is their own view. We do not endorse it, we do not verify members' credentials, and nothing posted in the Community is professional advice from Hubabble. If members agree a referral, a practice exchange, or any other arrangement between themselves, that arrangement is between them, and Hubabble is not a party to it.

9.5 Client confidentiality is non-negotiable

The Community is a space for coaches, so conversations naturally turn to client situations. Never post information that identifies a client or could reasonably identify one: names, initials plus context, photos, screenshots of messages, session notes, intake answers, health or mental-health details, or anything a client shared with you in confidence. This applies in every space, including a class space or a small group, and in Messages, and it applies even when you are asking for help. Describe situations in general terms only. Posting identifiable client information is a material breach of these Terms, and we may remove the content and suspend your Community access immediately.

9.6 Community rules

In addition to Section 8.3, when you take part in the Community you agree not to:

harass, bully, threaten, demean, or discriminate against anyone;
post content that is unlawful, defamatory, sexually explicit, or hateful, or that promotes violence or self-harm;
send unsolicited promotions, repeat the same message across spaces, or advertise outside the spaces designated for it. The referral and practice exchange is for genuine offers and requests between members, not lead generation or affiliate marketing;
post content that infringes copyright, trademark, or other rights, or share materials you do not have the right to share (including a Partner's course materials);
impersonate anyone, or misrepresent your credentials, your results, or your affiliation with a person or organization;
collect other members' contact details or content for use outside the Community, or add members to a mailing list or campaign without their consent;
offer or deliver licensed or regulated services (such as therapy or clinical care) through the Community, or give advice you are not qualified to give;
send more messages to someone who has told you no, or try to reach someone another way (such as from another account) after you can no longer message them; or
get around a suspension, a moderation action, or a space restriction, including by opening another account.

9.7 Moderation

We may, but are not obligated to, monitor the Community. Where we reasonably believe content or conduct violates these Terms or the Guidelines, creates risk for members or for Hubabble, or where the law requires, we may remove, hide, move, lock, or pin content, edit content for formatting, restrict features, remove you from a space, or suspend or end your Community access, with or without notice. Hubabble's platform administrators can take these actions in every space. Where Hubabble has turned on the roles in Section 9.1 for a Partner's community, that Partner's admins and moderators can take the actions Section 9.1 describes inside that community, and no others, and Hubabble can reverse what they do. Where practical, we will tell you what action was taken and why. You can ask us to review any moderation decision, including one made by a Partner's admin or moderator, by writing to privacy@hubabble.com.

We do not promise to review content before it appears, and we are not responsible for content other members post. Members can report content from inside the Community. Messages are private: we do not monitor or browse them, and the Hubabble team reviews a message only when someone in the conversation reports it, from a copy of that message and the messages just before it that the person reporting could see. A Partner's admins and moderators never handle reports about messages. For a reported message, we may hide it for everyone and take the other actions in this Section. We keep records of reports and moderation actions as described in the Privacy Policy.

9.8 Copyright complaints and repeat infringers

If you believe content in the Community infringes a copyright you own or control, send a notice to our designated copyright agent:

Copyright Agent, Hubabble, LLC 403 Portway Avenue, Suite 300 Hood River, Oregon 97031, United States privacy@hubabble.com (subject line: "Copyright notice")

Your notice must include: (a) your physical or electronic signature; (b) the copyrighted work you say has been infringed; (c) the content you say is infringing, with enough detail (such as a link) for us to find it; (d) your contact details; (e) a statement that you have a good-faith belief the use is not authorized by the copyright owner, its agent, or the law; and (f) a statement, under penalty of perjury, that the information in the notice is accurate and that you are the copyright owner or authorized to act for them.

When we receive a valid notice, we may remove or disable access to the content and will make a reasonable effort to tell the member who posted it. That member may send us a counter-notice containing: their physical or electronic signature; the content that was removed and where it appeared; a statement, under penalty of perjury, that they have a good-faith belief the content was removed by mistake or misidentification; their name, address, and phone number; and their consent to the jurisdiction of the federal district court for their address (or, if outside the United States, for Hood River County, Oregon) and to accept service from the person who sent the original notice. If we receive a valid counter-notice, we may restore the content in 10 to 14 business days unless the original complainant tells us they have filed a court action.

We end the Community access, and may end the accounts, of members who repeatedly infringe others' rights. Knowingly sending a false notice or counter-notice can make you liable for damages.

9.9 Suspension and removal from the Community

Community access can be suspended or ended separately from your account. A Partner's admin or moderator can pause or end your access to that Partner's community only; Hubabble can pause or end your access to the whole Community. Losing Community access does not, by itself, close your Hubabble account or affect your practice tools. A serious violation may also lead to account suspension or termination under Section 15.2. If your Community access ends, your right to view and post in the Community ends.

9.10 What happens to your content when you leave

You can delete your own posts, replies, and messages at any time while you are a member. When your Community access ends or you close your account, we remove your profile from the Community. Posts, replies, and messages you did not delete stay in their threads and conversations with your name and photo removed and attributed to a former member, so that other members' conversations remain intact. If you would like your remaining posts and messages deleted as well, write to privacy@hubabble.com and we will delete them, except where we need to keep a copy for legal reasons (such as an active dispute or a moderation record). Reports, moderation records, and the audit records described in Section 10.5 are retained as described there and in the Privacy Policy.

9.11 Apps you connect to your account

You can connect an app or service of your choice to your Hubabble account, such as an AI assistant, so it can read the Community on your behalf and, where we offer it, act in the Community as you. A connection happens only at your direction. Before you connect an app, we show you what it will be able to see and do, and you choose whether to allow it. You can disconnect any app at any time from your settings, which ends its access. What a connected app can see is what you can see in the Community, except your Messages, which it can read only if you give it that separate permission when you connect it, and nothing a connected app does may exceed what you may do yourself. You are responsible for what you do through a connected app, including any post or moderation action it makes at your direction, exactly as if you had done it in the app. The app's provider is not our subprocessor; its handling of what it receives is governed by your agreement with that provider, so choose apps you trust. We may withdraw a connection where it is misused. A Partner's learning portal, if we ever offer one, would connect the same way.

10. Data protection: who is responsible for what

How personal data is handled on Hubabble depends on whose data it is. This split is the spine of all our legal documents, and it is stated the same way everywhere.

10.1 Your own data and your visitors' data

For your account and login data, your billing and practice details, and the data of people who visit your coach website, Hubabble is the controller. We process that data to provide and operate the platform, as described in the Hubabble Privacy Policy.

10.2 Your client data: you are the controller, we are the processor

For the personal data of your clients (their contact details, their scheduling and session records, your notes about them, documents they sign, and the like), you are the controller and Hubabble is your processor. You decide why and how that client data is processed; we process it on your documented instructions to provide the platform to you. Your clients interact with Hubabble's surfaces directly, through secure personal links, on your behalf.

Because you are the controller of your client data, you must:

have a lawful basis to collect and process each client's data, and provide your clients with the privacy information the law requires;
obtain any consents required, including explicit, unbundled, and withdrawable consent for sensitive client data such as wellbeing or mental-health intake, and free-form notes about a client (and, in the future, any session recordings or transcripts), which are special-category personal data under GDPR Article 9; and
accept and comply with the Hubabble Data Processing Addendum ("DPA"), which is incorporated into these Terms by reference and governs our processing of your client data on your behalf, including the list of subprocessors and the international-transfer terms.

10.3 The payments partner has two roles

Our payments partner, Stripe, acts in two capacities at once, and we describe this the same way in every document: Stripe acts as a subprocessor when it processes payments on the coach's behalf, and as an independent controller for its own fraud-prevention and legal-compliance purposes.

10.4 Subprocessors

To run the platform we use a small set of trusted vendors as subprocessors. The list below is illustrative. The single canonical source is the Hubabble Subprocessor List (subprocessor-list.md); the DPA and the Privacy Policy reference that list, and if anything below differs from it, the Subprocessor List controls. The vendors include:

Neon (the Postgres database of record),
Vercel (hosting and edge delivery, including Speed Insights telemetry),
Stripe (platform billing, and client payments as described above),
our white-labeled video provider (your video room and video sessions),
Google (per-coach Calendar access for scheduling, when you connect it),
Resend (transactional and e-signature email; our email provider can record delivery and engagement events such as opens and clicks where that is enabled),
AWS S3 in AWS region us-east-1 (US East, N. Virginia) (storage of signed PDF documents),
Inngest (background jobs), and
Cloudflare (DNS and inbound email).

The current subprocessor list, with each vendor's role and its live, imminent, or future status, lives in the Hubabble Subprocessor List, and is referenced by the DPA and the Privacy Policy. We will provide notice of changes as described there.

10.5 Honest note on retention and erasure

To exercise your retention and erasure rights, contact privacy@hubabble.com and we will action your request within the timeframe the law requires. Scheduled automatic deletion runs for documents you specifically stamp: a coach-set "delete after" date on a document is honored by a nightly job that removes it on schedule. Certain records are append-only by design (our audit of account events, the financial ledger, records of legal acceptances, and signed agreements). Those records survive an erasure request with identifying references anonymized rather than being fully deleted, because we and you may need them for legal, financial, and evidentiary reasons.

11. Intellectual property and license

11.1 We own Hubabble; you get a license to use it

Hubabble, including the software, design, the orange-dot motion language, our brand, and our templates as provided, is owned by us and our licensors. We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the platform for your coaching practice while these Terms are in effect and your account is in good standing. You may not copy, modify, reverse engineer, resell, or create derivative works of the platform except as the law allows notwithstanding this restriction.

11.2 Your content stays yours

You and your clients keep ownership of the content you put into Hubabble (your client records, your notes, your documents, your website copy). You grant us the limited license we need to host, process, transmit, back up, and display that content to provide the platform to you and to your clients, and to our subprocessors for the same purpose. When you adopt and edit a template, the edited document you produce is yours to use in your practice. Content you share in the Hubabble Community is also yours; the license you give us for it, which is wider because other members see it, is in Section 9.4.

11.3 Feedback

If you send us feedback or ideas, you grant us a perpetual, royalty-free license to use them to improve Hubabble, with no obligation to you.

12. Disclaimers

12.1 We provide software, not advice

Hubabble provides software tools. We do not provide coaching, legal, medical, mental-health, tax, financial, or other professional advice, and nothing in the platform is such advice. Templates and general information are not a substitute for advice from a qualified professional licensed where you and your clients are located. You are solely responsible for the professional judgments you make in your practice and for the advice and services you give your clients.

12.2 "As is"

To the fullest extent permitted by law, the platform is provided "as is" and "as available," without warranties of any kind, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement, and any warranty that the platform will be uninterrupted, secure, error-free, or that data will never be lost. We do not warrant any result from using the platform or any template.

12.3 Consumer guarantees we cannot exclude

Nothing in these Terms excludes, restricts, or modifies any guarantee, right, or remedy you have under law that cannot lawfully be excluded, including non-excludable consumer guarantees under the UK Consumer Rights Act, EU consumer law, and the Australian Consumer Law. Where such a guarantee applies and cannot be excluded, our liability for breaching it is limited, where the law allows, to re-supplying the service or paying the cost of re-supply.

13. Limitation of liability

To the fullest extent permitted by law, and subject to Section 12.3:

Neither party is liable to the other for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost revenue, lost goodwill, or lost or corrupted data, even if advised of the possibility.
Our total aggregate liability arising out of or relating to these Terms or the platform is limited to the greater of (a) the fees you paid Hubabble in the 12 months before the claim and (b) USD 100. This cap is structurally non-zero: even if you paid us nothing (for example on a comped, trial, or beta account), the floor in (b) applies, so the cap never resolves to $0. This limit does not purport to limit liability that cannot lawfully be limited (including the non-excludable consumer guarantees in Section 12.3, and liability for death or personal injury caused by negligence, fraud, or fraudulent misrepresentation).

14. Indemnity

You agree to defend, indemnify, and hold harmless Hubabble and its members, managers, and personnel from and against third-party claims, losses, and reasonable costs (including reasonable legal fees) arising out of or relating to:

your coaching services and your relationship with your clients;
your content and the documents and messages you send through Hubabble, including your Community Content;
your client payments, including refunds, disputes, and chargebacks;
your handling of your client data as controller, including consents and notices; and
your breach of these Terms or of any law in connection with your use of the platform.

We will give you prompt notice of a claim, let you control the defense (with our right to participate with our own counsel), and cooperate reasonably. You may not settle a claim in a way that imposes obligations on us without our consent.

15. Suspension and termination

15.1 You can leave

You can stop using Hubabble and close your account at any time. Cancellation and refund effects are covered in Section 5 and the Refund Policy.

15.2 We can suspend or terminate

We may suspend or terminate your access if you materially breach these Terms, if your use creates legal, security, or payment risk, if required by law or by our payments partner, or if we stop offering the platform. Where it is reasonable and lawful to do so, we will give you notice and a chance to fix the problem first. For serious issues (such as fraud, a security threat, or a legal requirement), we may act immediately.

15.3 What happens after termination

When your account ends, your license to use the platform ends. We will handle your data after termination as described in the Privacy Policy and the DPA, subject to the honest retention realities in Section 10.5 (including append-only records that survive with anonymized references). Your Community Content is handled as described in Section 9.10. You remain responsible for amounts owed and for client payment obligations (including refunds, disputes, and chargebacks) that arose while your account was active.

16. Disputes between you and your clients

Hubabble is not a party to your coaching relationships. Disputes between you and a client (including about services, refunds, or payments) are between you and that client. You are responsible for resolving them and for any liability that results.

17. Governing law and where disputes are heard

These Terms are governed by the laws of the State of Oregon, without regard to its conflict-of-laws rules. You and we agree that the state and federal courts located in Hood River County, Oregon have exclusive jurisdiction over any dispute that is not otherwise required to be resolved elsewhere, and each party consents to that jurisdiction and venue.

18. General terms

Entire agreement. These Terms, together with the documents they incorporate by reference (the Refund Policy, the Privacy Policy, the DPA, the Community Guidelines, the templates clause in Section 7, and your specific plan or beta offer), are the entire agreement between you and us about the platform, and supersede prior understandings on that subject.
Order of precedence. If there is a conflict, your signed agreement with the payments partner governs your payments account, the DPA governs our processing of your client data, Section 9 governs over the Community Guidelines, and these Terms govern everything else.
Assignment. You may not assign these Terms without our consent. We may assign them to an affiliate or in connection with a merger, acquisition, or sale of assets.
No waiver. If we do not enforce a right, that is not a waiver of it.
Severability. If a provision is unenforceable, the rest stays in effect and the unenforceable provision is limited to the minimum extent necessary.
Notices. We may send you notices by email or in-product. You may send us legal notices to the principal office address in Section 1 and to privacy@hubabble.com.
Force majeure. Neither party is liable for delay or failure caused by events beyond its reasonable control.
Relationship. Nothing in these Terms creates a partnership, agency, employment, or joint venture between you and us.