1.1. We are Kabing Ltd (trading as bubbl.), a company registered in England and Wales under company registration number 12125399. Our registered office is at Summit House, 13 High Street, Wanstead, London, United Kingdom, E11 2AA.
1.2. If you have any questions about bubbl., please contact us by:
1.2.1. sending an email to hello@bubbl.life
2.1. These terms and conditions of use (together with the documents referred to in it) (“Terms”) explain how you may use our website https://bubbl.life and any of its content (“bubbl.”) and if applicable your use of any of the services offered via bubbl. (“Services”).
2.2. These Terms apply between bubbl. (“we, us or our”) and you, the person accessing or using bubbl. (“you or your”).
2.3. Different sections of these Terms will apply depending on how you use bubbl. and where applicable our Services. If you are:-
2.3.1. browsing bubbl. only – Clause 3 Using bubbl. General Terms;
2.3.2. a User of bubbl. or any of our Services: Clause 3 Using bubbl. General Terms and Clause 4 User Additional Terms;
2.3.3. Using bubbl. as you have been authorised to do so by a User (“Trusted Contact”) to access the User’s account: Clause 3 Using bubbl. General Terms and Clause 5 Trusted Contact Additional Terms.
2.4. You should read the relevant sections of the Terms carefully that apply to you before using bubbl.. By using bubbl. or otherwise indicating your consent, you agree to be bound by these Terms. If you do not agree with any of these Terms, you should stop using bubbl. immediately.
3.1. There are other terms that may apply to you
3.1.1. These Terms refer to the following additional terms, which also apply to your use of bubbl.:
(a) Our Privacy Policy. See further under How we may use your personal information.
(b) Our Cookie Policy, which sets out information about the cookies on our site.
3.2. We may make changes to these terms
We amend these Terms from time to time. Every time you wish to use our site, please check these Terms to ensure you understand the terms that apply at that time.
3.3. We may make changes to bubbl.
We may update and change bubbl. from time to time to reflect changes to our users’ needs and our business priorities. We will try to give you reasonable notice of any major changes.
3.4. We may suspend or withdraw our site
3.4.1. We do not guarantee that bubbl., or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of bubbl. for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal.
3.4.2. You are also responsible for ensuring that all persons who access bubbl. through your internet connection are aware of these Terms and other applicable terms and conditions, and that they comply with them.
3.5. We may transfer this agreement to someone else
We may transfer our rights and obligations under these Terms to another organisation. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under the contract.
3.6. bubbl. is only for users in UK
bubbl. is directed to people residing in the United Kingdom. We do not represent that content available on or through our site is appropriate for use or available in other locations.
3.7. How you may use material on our site
3.7.1. We are the owner or the licensee of all intellectual property rights in bubbl., and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
3.7.2. You may print off one copy, and may download extracts, of any page(s) from bubbl. for your personal use and you may draw the attention of others to content posted on bubbl..
3.7.3. You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
3.7.4. Our status (and that of any identified contributors) as the authors of content on bubbl. must always be acknowledged (except where the content is user-generated).
3.7.5. You must not use any part of the content on bubbl. for commercial purposes without obtaining a licence to do so from us or our licensors.
3.7.6. If you print off, copy, download, share or repost any part of bubbl. in breach of these Terms, your right to use bubbl. will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.
3.8. No text or data mining, or web scraping
3.8.1. You shall not conduct, facilitate, authorise or permit any text or data mining or web scraping in relation to bubbl. or any Services provided via, or in relation to, bubbl.. This includes using (or permitting, authorising or attempting the use of):
(a) any “robot”, “bot”, “spider”, “scraper” or other automated device, program, tool, algorithm, code, process or methodology to access, obtain, copy, monitor or republish any portion of the site or any data, content, information or services accessed via the same.
(b) any automated analytical technique aimed at analysing text and data in digital form to generate information which includes but is not limited to patterns, trends and correlations.
3.8.2. This clause shall not apply insofar as (but only to the extent that) we are unable to exclude or limit text or data mining or web scraping activity by contract under the laws which are applicable to us.
3.8.3. The provisions in this clause should be treated as an express reservation of our rights in this regard, including for the purposes of Article 4(3) of Digital Copyright Directive ((EU) 2019/790).
3.8.4. You agree not to:
(a) misuse or attack bubbl. by knowingly introducing viruses, trojans, worms, logic bombs or any other material which is malicious or technologically harmful (such as by way of a denial-of-service attack), or
(b) attempt to gain unauthorised access to bubbl., the server on which bubbl. is stored or any server, computer or database connected to bubbl..
3.9. Do not rely on information on bubbl.
3.9.1. The content on bubbl. is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on bubbl..
3.9.2. Although we make reasonable efforts to update the information on bubbl., we make no representations, warranties or guarantees, whether express or implied, that the content on bubbl. is accurate, complete or up to date.
3.10. We are not responsible for websites we link to
3.10.1. Where bubbl. contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them.
3.10.2. We have no control over the contents of those sites or resources.
3.11. User-generated content is not approved by us
3.11.1. bubbl. may include information and materials uploaded by other users, including to bulletin boards and chat rooms. This information and these materials have not been verified or approved by us. The views expressed by other users on our site do not represent our views or values.
3.11.2. If you wish to complain about content uploaded by other users, please contact us on hello@bubbl.life.
3.12. Our responsibility for loss or damage suffered by you
3.12.1. We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.
3.12.2. Except as expressly set out in these Terms, we make no representations, warranties or guarantees of any kind in respect of bubbl. or any content available through bubbl. and all conditions, warranties and representations express or implied are hereby excluded to the full extent permitted by law.
3.12.3. We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty or otherwise arising under or in connection with (i) use of, or inability to use, bubbl.; or (ii) use of or reliance on any content displayed on bubbl..
3.12.4. Please note that we only provide our site for domestic and private use. You agree not to use bubbl. for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
3.13. Your privacy and personal information
Your privacy and personal information are important to us. Any personal information that you provide to us will be dealt with in line with our Privacy Policy, which explains what personal information we collect from you, how and why we collect, store, use and share such information, your rights in relation to your personal information and how to contact us and supervisory authorities in the event you have a query or complaint about the use of your personal information.
3.14. Events beyond our control
We are not liable to you if we fail to comply with these Terms because of circumstances beyond our reasonable control.
3.15. Governing Law
3.15.1. The laws of England and Wales apply to these Terms, although if you are resident elsewhere you will retain the benefit of any mandatory protections given to you by the laws of that country.
3.15.2. Any disputes will be subject to the non-exclusive jurisdiction of the courts of England and Wales. This means that you can choose whether to bring a claim in the courts of England and Wales or in the courts of another part of the UK in which you live
4.1. Our Services
We provide various Services via bubbl. which allow you to create a digital record to which personal, legal, asset, financial and other information may be uploaded and stored on bubbl..
4.2. Become a User
4.2.1. To access the Services on bubbl. you will need to become a User by registering for an account. You will need to complete our registration process by providing the certain information such as your name, email address and payment details.
4.2.2. If access to bubbl. has been paid for by one of our professional providers such as your accountant or solicitor (“Professional Provider”) we will not be required to collect your payment information when registering for your account.
4.2.3. If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.
4.2.4. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms.
4.2.5. If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at hello@bubbl.life.
4.2.6. You must notify us as soon as possible if any of your account details change. You are solely responsible for keeping your account details up to date.
4.2.7. Your privacy is important to us so please refer to our Privacy Policy with details of the personal information we collect and how this will be used. You will have the ability to change your personal data preferences via your account settings within the bubbl platform.
4.3. Your right to cancel
4.3.1. As you have purchased our Services online you have 14 days after the date we confirm registration of your account to change your mind about a purchase, provided that you do not uploaded User Content to bubbl. during that time.
4.3.2. If you change your mind contact us on billing@bubbl.life. We refund you as soon as possible and within 14 days of you telling us you’ve changed your mind. We refund you by the method you used for payment. We will charge don’t charge a fee for the refund.
4.4. Uploading information and documents to bubbl.
4.4.1. Once you have completed the registration procedures to become a User of bubbl., you may upload information and documents to a secure area of your account (“User Content”).
4.4.2. You may authorise your Trusted Contacts to access all or parts of the User Content. You can chose which of User Content is available to your Trusted Contact via your account. Your Trusted Contact will have the ability to review User Content but they will be unable to amend or make any changes to User Content. Your Trusted Contact will only be permitted access to the User Content on receipt of the necessary documentation required by clause 5.1
4.4.3. You are solely responsible for ensuring that you have all the necessary rights to upload User Content to bubbl., including without limitation all rights required to enable access to and use of User Content by your Trusted Contacts.
4.4.4. User Content is and will remain owned and controlled by you and you acknowledge that you have responsibility for User Content and the accurate and completeness of User Content.
4.4.5. You grant to us a royalty-free, worldwide, irrevocable, perpetual licence to host and store User Content on bubbl. and to make User Content available to Trusted Contacts.
4.4.6. You may not uploaded any User Content that (i) contains defamatory, threatening, abusive, or otherwise offensive material; (ii) incites hatred or illegal discrimination; or (iii) violates any law or rights of third parties, or any licence or agreement by which you are bound.
4.5. Payment
4.5.1. If you are required to pay for your account as this is not covered by your Professional Provider the price of becoming a User will be set out during your bubbl. account registration setup.
4.5.2. We accept payment via Stripe including all major credit and debit cards.
4.5.3. We reserve the right to increase our prices from time to time and will notify you via your account of any price changes.
4.5.4. If you do not make any payment to us by the due date we may:-
(a) suspend your account until such overdue payment is made; and/or
(b) charge interest to you on the overdue amount at the rate of 2% a year above the base lending rate of the Bank of England from time to time. This interest shall accrue on a daily basis from the due date until the date of actual payment of the overdue amount, whether before or after judgment. You must pay us interest together with any overdue amount.
4.6. Our Obligations
4.6.1. We will:
(a) provide the Services with reasonable skill and care and at all times in accordance with industry standards and applicable law;
(b) use reasonable efforts in accordance with current industry standard to protect the security of User Content.
4.6.2. Except as expressly set out above we make no representations or warranties of any kind in respect of bubbl. or the Services and all conditions, warranties and representations express or implied are hereby excluded to the fullest extent permitted by law.
4.7. Service Suspension
4.7.1. We may have to suspend the Services to:
(a) deal with technical problems or make minor technical changes; or
(b) update the services to reflect changes in relevant laws and regulatory requirements.
4.7.2. We will contact you in advance to tell you we will be suspending the services unless the problem is urgent or an emergency. If we have to suspend the services for longer than 7 days in any 30 day period we will adjust the price so that you do not pay for Services while they are suspended.
4.7.3. If you do not pay us for the Services when you are supposed to and you still do not make payment within 10 days of us reminding you that payment is due, we may suspend supply of the Services until you have paid us the outstanding amounts. We will contact you to tell you we are suspending supply of the Services. We will not charge you for the services during the period for which they are suspended.
4.8. Termination by you or us
4.8.1. We may terminate your account at any time by writing to you if:
(a) you do not make any payment to us when it is due and you still do not make payment within 10 days of us reminding you that payment is due;
(b) you do not, within a reasonable time of us asking for it, provide us with information that is necessary for us to provide the Services;
(c) you breach these Terms.
4.8.2. We may write to you to let you know that we are going to stop providing the Services. We will let you know at least 30 days in advance of our stopping the Services and will refund any sums you have paid in advance for Services which will not be provided.
4.8.3. You may terminate your account at any time by providing us with 30 days’ notice. The termination of your account will be effect from your next monthly payment. Your subscription will then expire, the following month, 30 days from this date.
4.9. Consequences of termination
4.9.1. Upon termination, your account will remain active during the notice period set out in clause 4.8.3 to allow you to download copies of the documents and information you have uploaded to bubbl.
4.9.2. Once the notice period has expired as set out in clause 4.8.3 your account access will be suspended. After 90 days your account and all the User Content will be securely deleted. If you wish to reactivate your account, during the 90 day period, please email us at support@bubbl.life.
4.9.3. If you wish the User Content to be deleted immediately please contact us at support@bubbl.life.
5.1. Accessing the content of a User
5.1.1. If you are an Trusted Contact, you will be granted access to such User Content as may have been authorised by the User prior to the User’s death or at the point you have the right to use the Users Lasting Power of Attorney or Ordinary Power of Attorney to manage their affairs.
5.1.2. You acknowledge as an Trusted Contact that bubbl. are not responsible for the accuracy of the information and documents uploaded by the User to bubbl. The Trusted Contact will be responsible for clarifying the accuracy of the information uploaded by the User prior to using such information to administer the estate of the User following their death.
5.1.3. In order to have access to the User’s account we will require:
(a) such evidence as we reasonably require:-
(i) to verify the death of the User, such as the Death Certificate;
(ii) to verify your access to the User Content such as receipt of the applicable Lasting Power of Attorney or Ordinary Power of Attorney;
(b) such evidence as we require to verify your identity; and
(c) [payment to us of the applicable fee as may from time to time be displayed on bubbl.life for such access.
5.1.4. Once we have received all of the above from you, you will need to register on bubbl. to enable your access to the User Content.
5.1.5. If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.
5.1.6. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms.
5.1.7. If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at support@bubbl.life.
5.1.8. You as an Trusted Contact must notify us as soon as possible if any of your account details change. You are solely responsible for keeping your account details up to date.
5.1.9. Your privacy is important to us so please refer to our Privacy Policy with details of the personal information we collect and how this will be used. You will have the ability to change your personal data preferences via your account settings on the bubbl. platform.
5.1.10. You acknowledge as an Trusted Contact that the User Content to which you are granted access may be confidential and you agree to not to disclose or use or authorise the disclosure or use of any User Content save as may be required for the purposes of carrying out your duties in respect of the User’s estate.
