Effective Date: June 17, 2026 Version: 1.0

These Platform Terms of Service (the "Terms") are the master agreement between you, the coach, 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, 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 individual coach or the coaching practice entity that accepts these Terms and opens a Hubabble account. 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. We provide the software. We do not provide coaching, and we are not a party to the relationship between you and your clients.

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. 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.

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.

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.

9. 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.

9.1 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.

9.2 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.

9.3 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.

9.4 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.

9.5 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.

10. Intellectual property and license

10.1 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.

10.2 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.

10.3 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.

11. Disclaimers

11.1 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.

11.2 "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.

11.3 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.

12. Limitation of liability

To the fullest extent permitted by law, and subject to Section 11.3:

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 11.3, and liability for death or personal injury caused by negligence, fraud, or fraudulent misrepresentation).

13. 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;
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.

14. Suspension and termination

14.1 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.

14.2 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.

14.3 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 9.5 (including append-only records that survive with anonymized references). You remain responsible for amounts owed and for client payment obligations (including refunds, disputes, and chargebacks) that arose while your account was active.

15. 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.

16. 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.

17. General terms

Entire agreement. These Terms, together with the documents they incorporate by reference (the Refund Policy, the Privacy Policy, the DPA, 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, 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.