Terms of Service

1. Acceptance of Terms

By accessing or using the Squigggle platform ("Service"), operated by 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, you agree to be bound by these Terms of Service ("Terms"). If you are using the Service on behalf of an organisation, you represent that you have the authority to bind that organisation to these Terms.

2. Description of Service

Squigggle provides an electronic signature platform that enables users to upload documents, collect legally binding electronic signatures, and manage document workflows. The Service is operated by N90 Labs Limited (company number 17006232).

Squigggle offers different levels of electronic signature, which we call Signature Levels. The Signature Level that is available today is:

• AES (Standard) — an Advanced Electronic Signature with email one-time-passcode signer verification, a tamper-evident audit trail, a signed PAdES B-LT PDF, and an evidence bundle.

We are developing two further Signature Levels, which are not yet availableand are described on our pricing pages as "coming soon":

• AES with Identity Verification (AES+IDV) — everything in AES, plus identity verification of the signatory using a passport or driving licence.
• QES (Qualified Electronic Signature) — a qualified electronic signature supported by a qualified certificate issued by a qualified trust service provider.

We will only make AES+IDV and QES available once they are live, and we will publish the applicable Signature Levels and prices on our website at that time. Until then, requests to send a document at a Signature Level that is not yet available will be declined. Nothing in these Terms should be read as an offer of, or a representation that we currently provide, any Signature Level other than AES.

Electronic signatures created through the Service are intended to be legally binding in accordance with applicable law, including the UK Electronic Communications Act 2000 and, where relevant, the UK and EU eIDAS frameworks. Squigggle does not provide legal advice, and Section 5 (Electronic Signatures and Legal Validity) applies.

3. Account Registration

To use the Service, you must create an account by providing accurate and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

4. Pricing and Payment

This Section governs all of the ways you can pay to use the Service. All prices are displayed and charged in GBP (£). We may change our prices, and introduce prices for new Signature Levels (such as AES+IDV and QES) when they become available, by giving you at least 30 days' notice. A price change does not affect Credit Bundles you have already purchased or the price of a subscription billing period for which you have already paid. Price changes are governed by this Section 4; Section 14 governs changes to the other provisions of these Terms.

Some rights in this Section apply only if you are a consumer (defined in Section 4.6). If you are a business customer, the consumer cancellation right and the consumer-specific refund rights described below do not apply to you, and our non-refundable terms apply in full, subject to the Unfair Contract Terms Act 1977.

Card payments are processed by Stripe on Stripe-hosted pages; Squigggle does not receive or store your full card details.

4.1 Free documents

Your first three (3)documents are free. The free allowance applies to AES documents only and is counted per sender (by the account's home workspace, or by the verified sender email address for documents sent without an account). A free document is only counted once it has been sent for signature — documents left in draft do not use up your allowance. The free allowance is a one-off lifetime allowance; it does not reset or renew. No payment card is required to use the free allowance.

4.2 Pay-as-you-go

Once your free allowance is used, you can pay per document on a pay-as-you-go basis. AES documents are £1.00 each, payable before the document is sent. You complete payment through Stripe Checkout, and the document is sent for signature only after payment has been taken. If payment fails, the document is not sent and no charge is taken; you may try again.

AES+IDV and QES are not yet available on pay-as-you-go. When they launch, they will be charged per document at the then-current published rates.

You may, on pay-as-you-go, have up to 10 members in your workspace at no additional charge. There is no monthly fee on pay-as-you-go.

4.3 Prepaid Credit Bundles

You may buy AES sending capacity in advance by purchasing a Credit Bundle. Credit Bundles are purchased through Stripe Checkout and are held against your workspace. The current bundles are:

• Starter — 10 credits for £10.00
• Growth — 50 credits for £42.50
• Scale — 100 credits for £75.00
• Volume — 500 credits for £325.00

Today, credits can only be used for AES documents, and sending one AES document uses one (1) credit. When AES+IDV and QES launch, a single document at those levels will use more than one credit; the exact number of credits per document for each new Signature Level will be published on our pricing pages, and we will give at least 30 days' notice, before that level goes live. Credits are used only after your free allowance is exhausted, and only while your workspace is not on the Team subscription (during a subscription, AES sending is unlimited and your credits are preserved for later use).

Credits do not expire. While your account remains open, we do not apply any dormancy, inactivity, or forfeiture period to purchased credits. If we end your account other than because of your breach of these Terms, we will refund the value of any unused credits.

Refunds — Credit Bundles. Except as set out below, Credit Bundle purchases are non-refundable, unused credits are not exchangeable for cash, and we do not refund unused credits if you choose to close your account. This is subject to: (a) your statutory cancellation right as a consumer (see Section 4.6) — if you are a consumer and cancel within 14 days of purchase, we will refund any unused credits, and may deduct a proportionate amount for any credits already used; and (b) any refund we agree to provide at our discretion in the event of an error or a service fault. Nothing in this paragraph affects your statutory rights as a consumer.

4.4 Team subscription (Monthly Plan)

The Team subscription is £19.00 per month and includes:

• unlimited AES document sending for the workspace;
• up to 10 workspace members; and
• the additional Team features described on our pricing pages.

Each additional member beyond 10 is £2.00 per member, per month. Additional-member charges are billed through your subscription; where members are added or removed during a billing period, Stripe applies its standard proration to the change.

The subscription renews automatically at the end of each billing period until it is cancelled. There is no free trial. Only the workspace owner can start or cancel a subscription in the app. Before you subscribe, Stripe Checkout shows you the recurring amount (£19.00 per month, plus any additional-member fees), the billing frequency, that the subscription renews automatically, and how to cancel. We will send a reminder before a renewal where the law requires us to.

Cancellation. You can cancel at any time. Cancellation takes effect at the end of the current billing period — your subscription remains active, with unlimited AES sending, until that date, and is not renewed afterwards. We do not charge you for any period after the one in which you cancel.

What happens after cancellation. Cancelling a subscription is not a termination of your account under Section 12; your account remains open and your documents remain accessible. When the period ends, your workspace reverts to pay-as-you-go (AES at £1.00 per document, with any preserved credits again usable for AES sending). Because pay-as-you-go workspaces are limited to 10 members at no charge, any members beyond the first 10 (removed in reverse order of the date they joined) will be removed when the subscription ends. We recommend reducing your team to 10 members, or resubscribing, before that point.

Refunds — subscription. Cancellation does not entitle you to a refund of the fee for the billing period in which you cancel; instead, you keep access for the remainder of that paid period. We do not provide pro-rata refunds of subscription fees. This paragraph does not apply to a consumer exercising the 14-day cancellation right in Section 4.6, where a proportionate refund may be due, and it does not affect your statutory rights as a consumer.

4.5 Refunds generally

Except as set out in this Section 4 or as required by law:

• Free documents carry no charge and so give rise to no refund.
• Pay-as-you-go charges are non-refundable once the document has been sent for signature. If a payment is taken but the document is not sent (for example, because of a fault), contact us at legal@squigggle.io.
• Credit Bundles are non-refundable, as set out in Section 4.3.
• Team subscription fees are non-refundable for the current period on cancellation, as set out in Section 4.4.

We do not operate an automated refund process; any refund we agree to make is processed manually. Nothing in this Section limits your statutory rights.

4.6 Consumer right to cancel (digital services)

If you are a consumer (an individual acting wholly or mainly outside your trade, business, craft, or profession) and you enter into a contract with us at a distance, you have a right to cancel that contract within 14 days, without giving a reason, under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013. The 14-day period runs from the day the contract is concluded.

To cancel under this Section 4.6, you may tell us in any clear statement — for example, by emailing legal@squigggle.io. You do not have to use the in-app cancellation (the owner-only cancellation described in Section 4.4 governs in-app self-service cancellation only, not your statutory right). You may use the model cancellation form, but you do not have to.

Where you ask us to begin supplying the service during the 14-day cancellation period, the following applies.

• A single AES document. You expressly request that we begin performing the service (sending your document for signature) immediately, before the end of the cancellation period. You acknowledge that, where we have begun performance at your request, you will be required to pay for the service supplied up to the point you cancel, and that you will lose your right to cancel once the service has been fully performed (which, for a single AES document, we consider occurs when the document has been sent for signature and the signing process has been made available to your signer(s)).
• A Credit Bundle. A Credit Bundle is the supply of sending capacity over time. If you are a consumer and you cancel within the 14-day period, we will refund any unused credits, and we may deduct a proportionate amount for any credits you have already used. We do not treat the addition of credits to your workspace as full performance that removes your right to cancel unused credits.
• A subscription. You expressly request that we begin supplying the subscription immediately, before the end of the cancellation period. If you cancel a subscription within the 14-day period after we have begun supplying it, we may charge you a proportionate amount (calculated by reference to the monthly fee and the number of days elapsed) for the service provided up to the point you tell us you want to cancel, and we will refund the balance.

This Section 4.6 does not reduce any rights you have as a consumer that cannot be excluded or limited by agreement.

5. Electronic Signatures and Legal Validity

Electronic signatures created through Squigggle are intended to be legally binding under applicable law, including the UK Electronic Communications Act 2000, the EU eIDAS Regulation, and the US ESIGN Act. However, Squigggle does not provide legal advice. Certain types of documents may require wet-ink signatures or specific forms of electronic signature under applicable law. You are responsible for determining whether electronic signatures are appropriate for your specific use case.

6. Brand Usage and Customer Recognition

6.1 Logo and Name Usage

By creating an account using a business or organisational email address, you grant Squigggle a non-exclusive, royalty-free, worldwide licence to use your organisation's name and logo for the following purposes:

• Displaying your organisation as a Squigggle customer on our website, marketing materials, and sales collateral
• Including your organisation in customer lists, case studies, and testimonials (with your prior written approval for case study content)
• Referencing your organisation in investor presentations and business development materials

6.2 Opting Out

You may opt out of logo and name usage at any time by contacting us at privacy@squigggle.io. We will remove your organisation from our marketing materials within 30 days of receiving your request. This opt-out does not affect any other provisions of these Terms.

7. User Content and Documents

You retain all rights to documents you upload to the Service. Squigggle does not claim ownership of your content. We will only access your documents as necessary to provide the Service, comply with legal obligations, or as described in our Privacy Policy.

8. Data Protection

We process personal data in accordance with our Privacy Policy and applicable data protection legislation, including the UK GDPR and the Data Protection Act 2018. Documents are encrypted at rest and in transit.

9. Acceptable Use

You agree not to use the Service to:

• Upload, transmit, or store any content that is unlawful, harmful, threatening, or otherwise objectionable
• Impersonate any person or entity, or falsely represent your affiliation with a person or entity
• Attempt to gain unauthorised access to the Service or its related systems
• Use the Service for any purpose that is fraudulent or deceptive
• Send documents for signature that you do not have the right to send

10. Intellectual Property

The Service, including its design, features, and content (excluding user-uploaded documents), is owned by Squigggle and protected by intellectual property laws. You may not copy, modify, distribute, or create derivative works based on the Service without our prior written consent.

11. Limitation of Liability

To the maximum extent permitted by law, Squigggle shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service. Our total liability shall not exceed the amount you have paid to Squigggle in the twelve months preceding the claim.

12. Termination and Account Deletion

Either party may terminate this agreement at any time.

If we suspend or close your account — for example, for breach of these Terms or because we cease providing the Service — your right to use the Service ends, and we will keep your signed documents and their audit trails available for you to download for 90 days afterwards, unless we are required to remove them sooner by law.

If you delete your own account, deletion is immediate and permanent: your documents, signed PDFs, audit trails, credits, and account data are erased straight away and cannot be recovered, and any active Team subscription is cancelled. Because this cannot be undone, we let you download a copy of your documents before you confirm — please export anything you wish to keep first. The 90-day download window above does not apply to an account deletion you carry out yourself.

Cancelling a Team subscription is not the same as terminating your account (see Section 4.4): your account remains open on pay-as-you-go and your documents stay accessible.

13. Governing Law

These Terms are governed by the laws of England and Wales. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

14. Changes to Terms

We may update these Terms from time to time. We will notify you of any material changes by email or through the Service. Your continued use of the Service after such changes constitutes acceptance of the updated Terms.

15. Contact

For questions about these Terms, please contact us at legal@squigggle.io.