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Consumer Terms

Version 2.0  |  Effective from 11 July 2026

These are our Consumer Terms, for people using Squigggle for personal purposes. If you are signing up on behalf of an organisation, see our Business Terms.

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY

This is a legally binding agreement (these Terms) between you (you or the User) and N90 Labs Limited, a company registered in England and Wales (company number 17006232) whose registered office is at 71-75 Shelton Street, Covent Garden, London WC2H 9JQ (Squigggle, we, us or our).

We provide Squigggle, our online electronic-signature service — which lets you sign documents using an Advanced Electronic Signature (AES, verified by email one-time passcode), AES with identity verification (AES + IDV), or a Qualified Electronic Signature (QES) — together with all updates and upgrades (the Subscribed Services or Services).

You must be at least 18 years old and resident in the United Kingdom to use the Services as a sender. These Terms are for consumers — individuals acting wholly or mainly outside a trade, business, craft or profession. If you are a business, our Business Terms apply to you instead.

IF YOU CLICK ‘ACCEPT’ YOU AGREE TO THESE TERMS AND THEY WILL BE LEGALLY BINDING ON YOU. IF YOU DO NOT AGREE, CLICK ‘REJECT’ AND YOU WILL NOT BE ABLE TO USE THE SERVICES. NOTHING IN THESE TERMS AFFECTS YOUR LEGAL RIGHTS AS A CONSUMER. You may print or save a copy of these Terms.

1. Legal documents

  1. These Terms, together with our Standard Pricing Terms (the prices and plan terms you agree when you buy, available at squigggle.io/pricing), and the policies referred to in them (including our Acceptable Use Policy and Privacy Policy), make up your agreement with us (the Agreement).
  2. If there is any inconsistency, the order of priority (highest first) is: (a) the Standard Pricing Terms; (b) the policies referred to in the Agreement; and (c) these Terms. Later versions take priority over earlier ones.

2. Rights of access and use

  1. In return for paying the relevant fees (where applicable), we grant you a non-exclusive, non-transferable right to access and use the Services for your own personal, non-business use in the United Kingdom, for as long as your subscription or access continues, subject to our suspension and termination rights at clauses 19 and 20.
  2. You may not: (a) modify or interfere with the code of the Services, except as the law allows (for example back-ups under s.50A, or decompiling for interoperability under s.50B, of the Copyright, Designs and Patents Act 1988); (b) try to avoid or interfere with any security features; or (c) pass the Services off as your own or make them available for others to access, other than inviting people to sign your documents.
  3. Inviting someone to view, verify and sign your document (a Signatory) is a normal use of the Services. Signatories sign under our Signatory Terms of Use (squigggle.io/legal/signatory-terms).
  4. Documents you should not sign with Squigggle.It is your responsibility to decide whether an electronic signature is right for your document — including under the law of any country it relates to. Some documents cannot be signed electronically, or need extra steps we do not provide. Examples include: wills; lasting powers of attorney; statutory declarations and affidavits; documents that must be registered at HM Land Registry (such as property transfers, mortgages and longer leases); deeds that need a witness (if you use our witnessing feature, you and your witness are responsible for making sure the witness is physically with you when you sign); and documents meant to be used abroad. We cannot promise that a document signed through Squigggle is validly made or legally enforceable.

3. Your statutory rights

  1. You have legal rights under the Consumer Rights Act 2015 that we cannot and do not exclude. In particular, we must provide the Services with reasonable care and skill (sections 49–52), and any digital content we supply must be of satisfactory quality, fit for purpose and as described (sections 33–46). Where this Agreement gives you anything in addition, that is on top of — and does not reduce — your statutory rights.

4. Your right to cancel (14-day cooling-off)

  1. As a consumer buying online, you normally have 14 days to cancel without giving a reason, starting the day this Agreement is made (the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013).
  2. To cancel, tell us by a clear statement (for example, an email to legal@squigggle.io) before the 14 days end. You may use the cancellation form at the end of these Terms, but you do not have to.
  3. Starting straight away. Because the Service is supplied immediately, when you buy your first Credit you are asked to tick a box (i) asking us to begin straight away and (ii) acknowledging that you lose the right to cancel once the Service has been fully performed. If you give that consent and we fully perform, you lose the right to cancel. If you do not, your 14-day right continues until we do.
  4. If you cancel in time and we have not yet fully performed, we refund what you have paid within 14 days, less a proportionate amount for any service already provided with your consent.

5. Prices and payment

  1. The prices shown to you at the point of sale are inclusive of VAT and of all unavoidable charges. The total you will pay is shown before you confirm.
  2. We take payment through our payment processor at the point of purchase or, for a subscription, in advance for each period. Credits you buy in a prepaid Credit Bundle do not expire.
  3. We may offer optional Add-Ons, including SMS and WhatsApp delivery (used to send invitations and reminders to the people signing your documents). Any Add-On and its price are shown before you buy, and you can cancel it at any time (clause 20).

6. Support and contact

  1. You can contact us at legal@squigggle.io, or about your personal data at privacy@squigggle.io. Formal notices to us must be given by email to legal@squigggle.io or by pre-paid post to our registered office. If we need to contact you, we will usually use the email on your account or an in-product message.
  2. We will use reasonable endeavours to give advance notice of scheduled maintenance, but may not be able to for emergency maintenance or events beyond our reasonable control.

7. Privacy and your personal information

  1. Protecting your personal information matters to us. Our Privacy Policy (squigggle.io/privacy) explains what we collect, how and why we use and share it, your rights, and how to contact us or the Information Commissioner's Office (ICO). The providers (sub-processors) we use to run the service are listed at squigggle.io/legal/sub-processors.
  2. Where you use the Services for your own personal purposes, N90 Labs is the controller of the personal data in the documents you upload, and we handle it in accordance with our Privacy Policy.

8. Collection of technical information

  1. We may collect technical data (such as your device and software details) to provide updates, support and related services, and to improve our products. Where that data is personal information, we use it in accordance with our Privacy Policy (clause 7).

9. Access details

  1. To use the Services you will need a username and password (or another sign-in method we offer). These are personal to you; keep them confidential and do not share them. Tell us promptly if you think someone else has accessed your account.

10. Your responsibilities and acceptable use

  1. You must comply with all applicable laws, our Acceptable Use Policy (squigggle.io/legal/aup), and the rest of the Agreement.
  2. You must not use the Services to: (a) break the law or encourage unlawful activity; (b) send or upload anything defamatory, offensive, obscene or discriminatory; (c) infringe anyone's intellectual property rights; (d) transmit harmful code; (e) try to gain unauthorised access to any system, account or data; or (f) deliberately disrupt anyone's systems or business.

11. Intellectual property rights

  1. All intellectual property rights in the Services are owned by us or our licensors. Paying for the Services only lets you access and use them under the Agreement.
  2. You keep all rights in the documents and data you upload (Customer Data). You grant us (and our sub-processors) a royalty-free, non-exclusive licence to use, copy, host and access your Customer Data to the extent necessary to provide the Services.

12. Customer Data

  1. Customer Data is the data you provide or upload, and data generated from your use of it. It always belongs to you. Except where data-protection law requires, we do not monitor or control its content, and you are responsible for its accuracy, quality and legality and for having the right to upload it. If your Customer Data or documents include special-category information (such as data about health, racial or ethnic origin, religious beliefs, or biometric data) or information about criminal offences, you confirm that you are entitled to include and share it.
  2. If we reasonably believe Customer Data breaches our Acceptable Use Policy, we may remove it, suspend access to it under clause 19, and/or disclose it to law-enforcement authorities — telling you first where reasonably practicable and lawful.
  3. Keeping your documents.You can export your completed documents and audit trails at any time, and you should keep your own copies of your signed documents before closing your account. After your account closes, you can still log in and export your account and general data for 30 days; after that we keep it (no longer accessible) for up to 90 days from closure, and then permanently delete it. We keep the audit trail for each signed document (the record of who signed and when) for 7 years from completion — and up to 12 years for a signed deed — as an evidential record, even after the document itself is deleted. We keep the signed documents themselves for 2 years after your account closes (and longer if the law requires), and then delete them — so please download anything you want to keep. We also keep anything the law requires us to keep for as long as the law requires. This is explained further in our Privacy Policy.

13. Confidentiality and security of Customer Data

  1. We will keep your Customer Data confidential and only disclose or copy it with your consent, as needed to provide the Services, or as required by law. We use appropriate technical and organisational security measures. Where Customer Data is personal data, our Privacy Policy (clause 7) governs how we handle it. Access to the contents of your documents is limited to a small number of authorised staff on a need-to-know basis, is logged, and is subject to confidentiality obligations; we only look at your documents where we need to in order to provide the Services, to comply with the law, or as set out in this Agreement.

14. Changes to these Terms

  1. We may change these Terms or the documents referred to in them (other than the Standard Pricing Terms) from time to time.
  2. If a change is materially to your disadvantage, we will tell you separately (not only by posting online) at least 30 days before it takes effect. You may then end the Agreement before the change takes effect and receive a refund of any unused Credits (at the price you paid) plus a pro-rata refund of any active subscription for the unused part of the current period.

15. Updates to the Services

  1. We may improve and modify the Services, using reasonable endeavours not to materially adversely affect their use by our customers generally. We will tell you if the technical requirements change as a result.

16. External services

  1. The Services may let you reach third-party services or websites we do not control. We are not responsible for them; please read their terms before using them. We may change or remove them from time to time.

17. Our responsibility to you

  1. If we breach these Terms or are negligent, we are responsible for foreseeable loss or damage you suffer as a result. Loss is foreseeable if, when you accepted these Terms, it was clear it would happen or we both knew it might.
  2. We are not liable for loss that was not foreseeable, loss not caused by our breach or negligence, or any business loss (such as loss of business profits or opportunity).
  3. Limit on our liability.Subject to clause 17.5, our total liability to you for all claims connected with the Agreement is limited to the greater of £1,000 and the total amount you paid us in the 12 months before the event giving rise to the claim.
  4. The Services are provided in the same form to all users; it is your responsibility to make sure they meet your needs and are compatible with your device and software.
  5. Nothing in these Terms excludes or limits our liability for: death or personal injury caused by our negligence; fraud or fraudulent misrepresentation; any compensation you are entitled to under data-protection law; your statutory rights under clause 3; or anything else the law does not allow us to limit.
  6. Subject to clause 17.5, we are not responsible for loss arising from the validity or enforceability of an electronic signature where that loss would not have happened but for your failure to follow our documented signing process for the signature level you chose. This does not affect your statutory rights under clause 3.

18. Failures of networks or hardware

  1. The Services rely on things outside our control, such as your internet connection and device. We will do what we reasonably can to resolve issues, but are not responsible for delays, interruptions or errors caused by the internet, faulty components in your device, or anything else it would not be reasonable to expect us to control.

19. Suspension

  1. We may suspend your access to the Services (or part) if we suspect misuse or a breach of these Terms (we will investigate and then restore or continue suspension), if you fail to pay (we restore access promptly on payment), or if required by law or a regulator or court.

20. Ending this agreement

  1. You can cancel at any time. You may end the Agreement, or cancel a subscription or Add-On, at any time, effective from when you tell us. We will refund a pro-rata amount for the unused part of the current billing period.
  2. Unused Credits. If you close your account with unused prepaid Credits, we will refund the price you paid for those unused Credits.
  3. We may end the Agreement if you seriously or persistently breach it: for a breach that can be put right, we give you written notice and 14 days to fix it; for a serious breach that cannot be put right (for example a breach of our Acceptable Use Policy or clause 10), we may end it immediately.
  4. When the Agreement ends: you must stop using the Services; we may close your account; you are not entitled to a refund except as stated in the Agreement (including clauses 4, 14, 20.1 and 20.2); and Customer Data is handled in accordance with clause 12.3. Ending the Agreement does not affect rights or liabilities already accrued, or any clause meant to survive.

21. Complaints and alternative dispute resolution

  1. If you have a complaint, please contact us first at legal@squigggle.io and we will try to resolve it. If we cannot resolve it to your satisfaction, you may refer it to an accredited alternative-dispute-resolution provider, such as the Centre for Effective Dispute Resolution (CEDR). We are not obliged to use ADR but will consider it in good faith. You can also use the normal court routes (clause 26).

22. Third parties

  1. No one other than you and us (or anyone the rights are validly transferred to) has any right to enforce these Terms.

23. Entire agreement

  1. These Terms set out the complete agreement between you and us and supersede any previous agreements about the same subject.
  2. Neither of us has entered into the Agreement in reliance on any representation not written in it — but this does not exclude or limit our liability to you for any misrepresentation we made to you before you entered into these Terms, and nothing in these Terms limits or excludes liability for fraud.

24. Severance

  1. If any clause is found to be unlawful or unenforceable, the rest of these Terms continue in full force; the offending clause applies with the minimum modification necessary, or does not apply.

25. Transferring this Agreement

  1. We may transfer or assign our rights under the Agreement to another business, on notice to you and making sure you are not adversely affected. You may not transfer your rights without our consent.

26. Governing law and jurisdiction

  1. The laws of England and Wales apply to these Terms. If you live elsewhere in the UK, you keep the benefit of any mandatory protections of the law of the part of the UK where you live.
  2. Disputes are subject to the non-exclusive jurisdiction of the courts of England and Wales — meaning you can choose to bring a claim there or in the courts of the part of the UK where you live.

I CONFIRM THAT I HAVE READ AND UNDERSTOOD THESE TERMS AND CONDITIONS.

Cancellation form

(Complete and return this form only if you wish to cancel within the 14-day period. Based on Schedule 3, Part B of the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013.)

To: N90 Labs Limited, legal@squigggle.io (or 71-75 Shelton Street, Covent Garden, London WC2H 9JQ):

  • I/We [*] hereby give notice that I/We [*] cancel my/our [*] contract for the supply of the following service:
  • Ordered on [*] / received on [*]:
  • Name of consumer(s):
  • Address of consumer(s):
  • Signature of consumer(s) (only if this form is notified on paper):
  • Date:

[*] Delete as appropriate.

Document control

  • Version 1.0 — March 2026 (superseded)
  • Version 2.0 — 11 July 2026 (current version)