Legal Notice, Terms & Privacy

Terms of Service (Allgemeine Geschäftsbedingungen)

These Terms govern your use of bubby.finance and the Bubby subscription. By creating an account or subscribing you agree to them. German section titles are provided for orientation only.

1. Scope & Contracting Party (Geltungsbereich & Vertragspartner)

These Terms apply to all contracts concluded via bubby.finance between the operator named in the Legal Notice above ("Bubby", "we", "us") and you as the customer. They are written for consumers within the meaning of the Austrian Consumer Protection Act (KSchG). Deviating terms of the customer do not apply unless we have agreed to them in writing. The contract language is English.

2. The Service (Leistungsbeschreibung)

Bubby is an information and signal service. A subscription gives you:

• The current Bubby Strategy portfolio — five US-listed stocks with target weights, published in the app each week after the Monday rebalance. In weeks where the strategy's rules call for no change, the portfolio is republished unchanged.
• The complete historical record of the strategy since 20 April 2026: every rebalance, every trade and the corresponding Bitcoin OP_RETURN proof, including the decryption key once it is released 21 days after the rebalance.
• Weekly emails — a preview on Saturday describing what will happen on Monday (including "no trades"), and a report on days when trades were actually executed.

What Bubby is not:

• Not investment advice and not a personal recommendation. The portfolio is identical for every subscriber and takes no account of your personal situation, objectives, or risk tolerance.
• No portfolio management, no custody. We never hold, manage, or have access to your money or securities.
• No order execution, no brokerage. Whether, when, and how much you trade is your decision alone, made in your own brokerage account and at your own risk.
• Bubby is not a regulated investment adviser, investment firm, or bank.

Bubby runs the same strategy with its own money in its own brokerage account. That is what produces the published track record and the on-chain proofs; it is not an offer to manage yours. Please also read the Risk Disclosure.

3. Account (Benutzerkonto)

• You must be at least 18 years old to create an account or subscribe.
• You must provide accurate information and keep it up to date. Your email address must be verified before you can subscribe; changing the address later requires verifying the new one.
• Keep your login credentials confidential. You are responsible for all activity under your account; tell us immediately if you suspect unauthorised use.
• One account per person. Accounts are personal and may not be transferred.
• We may close accounts that violate these Terms.

4. Subscription & Prices (Abonnement & Preise)

• Standard: €30.00 per month.
• Waitlist: €12.99 per month for customers who joined the waitlist before the public launch on 3 October 2026 (20:15 Vienna time), confirmed their email address via the link we sent (the confirmation itself may happen after launch) or were invited by us, and who subscribe with that same, verified email address. This price is locked for life and will never be increased.
• All prices are in euro and include VAT where applicable.

The subscription is billed monthly in advance and renews automatically each month until cancelled. Payment is by card via Stripe Checkout; card details are entered on Stripe's hosted page and never reach our servers. If a renewal payment fails, Stripe retries it; if payment cannot be collected, the subscription ends and access stops.

We will announce any change to the standard price by email at least 30 days before it takes effect. You may cancel before the new price applies. The waitlist price is never increased.

5. Term & Cancellation (Laufzeit & Kündigung)

The subscription runs for one month and renews automatically for further one-month periods. You can cancel at any time in Settings → Subscription (takes effect at the end of the paid period), or by email to bubbyfinance@zohomail.eu. Until then you keep full access. Fees already paid for the running month are not refunded, except where the law provides otherwise (see section 6). We may terminate the contract for good cause with immediate effect, in particular for a breach of section 7. If we discontinue the service entirely, we will notify you and refund any fees prepaid for the period after discontinuation.

6. Right of Withdrawal (Widerrufsrecht)

As a consumer you have a statutory 14-day right of withdrawal. The details, the model withdrawal form, and the effect of requesting immediate access are set out in the Right of Withdrawal section below.

7. Acceptable Use (Zulässige Nutzung)

The subscription is for your personal, non-commercial use. Using the information to trade in your own brokerage account is what the service is for. You may not:

• share, publish, resell, or otherwise redistribute the portfolio, picks, weights, or other subscriber content in any form — whether for free or for payment, including by forwarding the weekly emails;
• access the service by automated means (scraping, bots, bulk downloads) or attempt to circumvent access restrictions;
• share your login with others or let others use your account;
• interfere with the operation or security of the service.

We may suspend or terminate access in case of abuse.

8. Intellectual Property (Geistiges Eigentum)

The Bubby Strategy, its rules and selections, the published portfolios, the track record, the software, design, and texts, and the Bubby name and logo are our property or licensed to us. Your subscription grants you a personal, non-exclusive, non-transferable licence to use the content for your own investment decisions during the subscription term. No other rights are granted. The Bitcoin OP_RETURN proofs and the keys we release are public and may be used freely to verify the record.

9. Availability & Changes (Verfügbarkeit & Änderungen)

We provide the service with reasonable care but do not guarantee uninterrupted availability. Maintenance, technical faults, and outages at third parties we depend on (market data, our broker, hosting, email delivery) can delay or interrupt the service. Publication follows the US stock-market calendar; on US market holidays the weekly rebalance and its publication shift to the next trading day. We may change, improve, or discontinue features. Material changes that reduce the scope of the service will be announced by email at least 30 days in advance; you may cancel before they take effect.

10. Liability (Haftung)

Bubby provides information, not results. We do not guarantee that the strategy will be profitable, that past performance will continue, or that the information is complete, accurate, or timely at all times. Every trading decision you make is your own responsibility. We are not liable for losses, lost profits, or other damage resulting from your investment decisions, nor for damage caused by outages of third-party services outside our control.

To the extent permitted by law, our liability is limited to damage caused intentionally or by gross negligence. This limitation does not apply to personal injury, to liability under the Austrian Product Liability Act (PHG), or to any mandatory consumer-protection liability that cannot be excluded by contract; those rights remain unaffected.

11. Data Protection (Datenschutz)

How we process personal data is described in the Privacy Policy below.

12. Final Provisions (Schlussbestimmungen)

• Austrian law applies, excluding its conflict-of-law rules and the UN Convention on Contracts for the International Sale of Goods (CISG). If you are a consumer residing in another EU member state, the mandatory consumer-protection provisions of your country of residence remain applicable.
• Information on the European Commission's platform for online dispute resolution (ODR) is available at https://ec.europa.eu/consumers/odr. We are neither obliged nor willing to participate in dispute resolution proceedings before a consumer arbitration board.
• Changes to these Terms will be announced by email at least 30 days before they take effect. If you do not agree, you may cancel before then.
• Should any provision be or become invalid, the remaining provisions remain in force.

Right of Withdrawal (Widerrufsbelehrung)

If you are a consumer, you have the following right of withdrawal under the Austrian Distance and Off-Premises Contracts Act (Fern- und Auswärtsgeschäfte-Gesetz, FAGG).

Right of withdrawal

You may withdraw from your subscription contract within 14 days without giving any reason. The withdrawal period is 14 days from the day the contract is concluded, i.e. the day you complete the subscription checkout.

How to withdraw

To exercise the right, inform us of your decision by an unambiguous statement — for example an email to bubbyfinance@zohomail.eu or a letter to the address in the Legal Notice. You may use the model form below, but it is not mandatory. Sending your withdrawal before the 14-day period ends is sufficient to meet the deadline.

Model withdrawal form

To: Bubby, Neusiedl am See, Austria — bubbyfinance@zohomail.eu

I/we hereby withdraw from the contract concluded by me/us for the provision of the following service: Bubby subscription.

Ordered on: ____________

Name of consumer(s): ____________

Address of consumer(s): ____________

Email address used for the account: ____________

Signature of consumer(s) (only if sent on paper): ____________

Date: ____________

Consequences of withdrawal

If you withdraw, we will refund all payments we have received from you without undue delay and no later than 14 days from the day we receive your withdrawal. We will use the same payment method you used for the original transaction (a refund to your card via Stripe), and you will not be charged any fees for the refund.

Immediate start of the service and loss of the right of withdrawal

The value of the service lies in the portfolio being available to you right away. When you subscribe, you therefore expressly request that we start providing the service immediately, before the 14-day withdrawal period has expired, and you acknowledge the following: once the current week's portfolio has been made available to you in the app, the service has been fully provided for that billing period and your right of withdrawal is lost (§ 18 (1) 1 FAGG).

If you withdraw before the portfolio has been made available to you, you receive a full refund.