Money Education For Young Minds
Welcome to the Oober Cinema
Watch and learn with our fun animations made by and for kids like you
Money Factor: What's Money?
Unit 1: What's Money?
What is 'money'? Check out our video and join other oober kids in a journey of money-discovery and fun! We hope you enjoy.
Money Factor: Goods Vs Bads
Money Gets you goods and services. Goods, in economics, are supposed to increase utility or, in normal English, make you happy. You are surrounded by goods: your toys, your games, your clothes, your shoes, your books and your sport equipment are only a few examples. The trouble is ... there are many BADS too. Wave goodbye to utility... bads are... well... Bad for you!
Money Factor: Shopping with Cavemen (Part 1)
Welcome to Prehistory: no school, no hot baths, no warm beds, no internet and no ice cream. Does this mean no shopping? NO WAY! Hop on the time bike to find out what our ancestors did when they needed something!
Money Factor: Shopping with Cavemen (Part 2)
Money Factor: Barter Boogie
Let's hop on the time bike to see how cavemen coped with finding the goods and services they needed. They had no coins, no banknotes, no warm and safe houses, no playstations, no internet, no chocolate. Does this mean 'no shopping'? NO WAY! Watch this cartoon and enjoy. If you have any questions, get in touch: firstname.lastname@example.org
Money Factor: Commodity Money
What happens when you cannot pay with cards or cash? What if your usual payment methods were not accepted? Today we are learning about commodity money; goods that have value in their own right (like food or clothes or medicines) and that can be used to pay for other goods or/and services. Let's start our journey; hop on the time bike and cycle, cycle, cycle!
Money Factor: Opportunity Cost
We only have 24 hours a #day. There is only so much time, so much room and so many #resources to do what we need and want to do. In economics this is called 'scarcity'. Because of scarcity , we make choices every day about what do to, when, where and how. When we do, we face an #Opportunity #Cost. What we do and what we give up does not just describe our priorities, it also define us and what we stand for.
Money Factor: What is a 'Market'?
You don't need fancy shops and tills to make markets. You only need someone who needs something (demand) and someone able to provide that thing (supply). Supply and demand make a market.
Money Factor: The Invisible Hand
Meet Adam Smith, the father of modern Economics. In his revolutionary book 'The Wealth of Nations, Adam Smith changes the way we think about trade, prosperity and how to run a business. Are you ready? Hold on to The Invisible Hand to find out how it affects our shopping habits, the economy and the politics of a country to this day.
Read this if you are working on Covid-nomics Virtual Treasure Hunt (part 1).
Here's Clue 2 The Invisible Hand, what a great idea: it pushes you to work in your own interest, without fear. Shop and spend global - don't you worry! But this is not the whole story.
Choose what idea this book introduced and proceed in style to glory.
Idea 1: free markets: freedom to trade and do business anywhere
Idea 2: mercantilism; spend at home and trade abroad
Idea 3: relax and go with the flow. If you and your country are meant to be rich you will get rich
Money Factor: The Invisible Hand (Halloween Version)
Trick or Treat? Halloween is the perfect time to get to know the Invisible Hand.
Welcome to our seasonal animation. (Evil laughter now! Can you hear it, young monster?)
Money Factor: The Economy
We are all economists because we all make decisions about the world around us: space, time, money and resources. Let's hop on the time bike to ancient Athens to find out what the word 'Economy' really means.
Money Factor: Me & the Economy
Me and the Economy - a Rap. This ditty was recorded by Year 5 at Queen's Park Primary School, London.
Money Factor:The Dawn of Coinage
In ancient times people swapped goods and services (barter) but when they could not they trusted each other to pay later (credit). Everything worked well so... why did we start using coins? Clue: too many coincidences, not enough trust! Curious? Good, curiosity is the beginning of knowledge! Let's start with this video.
Money Factor: Shopping with the Ancient Greeks
'Wanted: a beautiful, impressive, effective way to tell everyone how artistic, advanced, business-friendly this city is. All original ideas considered. Apply NOW!" This mock advert may make your smile but the ancient Greek needed just as much marketing material to promote their city states as we do today to promote our cities, businesses and ideas. They did not have social media or the internet but they had a powerful tool: the coin! Watch this video to learn all about the marketing job that coins still do today.
Money Factor: Banknotes (or NOT so lightweight money)
Meet the form of money that made travelling and making big payments safe and easy! That's the banknote! Born in China in the XI century it has become a global success. Light, portable but not lightweight!
Money Factor: Inflation
Unit 1: What's Money?
Inflation measures how prices rise. You have probably heard about it because it is a topic that many people discuss. Some people are scared of inflation, others think it is normal, others see it as a genie in a bottle; you never know how it will behave once it's out. What or who causes inflation? Get ready to meet one of the most talked-about and important agents in any economy.
Money Factor: Living with Inflation
Inflation pushes prices up, but what are the costs of living with inflation? Find out the human cost behind the headline-grabbing price rises.
Money Factor: When Inflation hits Rock Bottom
Prices can go down as well as up and when they do, we have deflation. Is it good or bad news? And how do we deal with it? Prepare for wonders and helicopters...
Money Factor: When Inflation hits the Sky
We have learned the main reasons behind ordinary inflation but prices sometimes rise fast and for sudden reasons like wars or revolutions. Long-term mismanagement of an economy can also lead to very high inflation. When this happens, we call it 'hyperinflation'. Economists debate why and how it arises and how to stop up but everyone agrees that hyperinflation is dangerous and must be beaten.
Money Factor: Hyperinflation strikes again
What happens when hyperinflation spirals out of control for years? The answer is 'trouble'. Here are three tales that show how hyperinflation can hurt a country and can even change the course of history.
Money Factor: How to measure Inflation
How do we find out if inflation is growing normally or whether our economies are under the strain of hyperinflation and deflation? Clue: measurements. We can measure how prices rise and fall year in, year out.
Money Factor: Good Deals Vs Bad Deals
Unit 2: Spending Money You Have
'Deals' and 'Sales' are words we see so much and so often when we go shopping but how can we be sure that we get a real 'good deal'? This animation will help us become deal detectives! Hurrah!
Money Factor: Spending Money You Have
What happens when you spend money you actually have? And how can you do that? Get ready to hop on the time bike to explore the beginning of our spending habits. Ready? GO!
Money Factor: Why do we spend?
Why do we spend money? Let's learn about the tricks used to make us spend, spend, spend and let's find out a little more about what kind of spenders we are. This will make us stronger and more powerful spenders.
Money Factor: Adverts and Slogans
Have you ever bought something and then wondered why? ADVERTS & SLOGANS are made to make you want to spend money no matter what; they appeal to your vanity, hopes and dreams and drive you to buy, buy, buy. You can be a smart spender and get what you REALLY want. Here are a few tips! Enjoy
Money Factor: Debit Cards
Debit cards are used every day but what are they and why do we call them 'debit' if we do NOT get in debt when we use them? Step this way for a fun debit card discovery journey...
Money Factor: Spending is like ...
Have you ever ridden an elephant? YES YOU HAVE! Spending can be like riding a powerful animal like an elephant: the elephant is strong and powerful and can lead you in different directions, but you are in charge. You can steer this powerful force in the right direction.
Money Factor: Spending Money You Don't Have
Unit 3: Spending Money You Don't Have
Can you spend money you don't have? Not unless you get credit. Let's hop on the time bike to visit ancient Rome and find out what 'credit' means.
Money Factor: Debt Detectives
When someone lends someone else money, debt is contracted! Debt is not good, debt is not bad but debt is serious. Let's find out a little bit more about debt. Our journey begins in ancient Rome.
Money Factor: Saving Money
Unit 4: Saving Money
Saving gives you wings: it allows you to make your dreams come true. What is your dream? Saving money will take you a little closer to your goal.
Money Factor: Saving Savvy
We hope, we dream, we save - but how can we tell if we've got a good saving deal? Here are a few sneaky tips to make sure you get the best saving options. Go ahead, you oober saving champion!
Money Factor: We save if...
What makes us want to save? Saving is exciting and rewarding but what makes us feel safe enough to save? Here are a few achievements necessary to a saving-safe environment.
Money Factor: Trust is a must
Trust is a must for a strong financial culture. If we don't trust our banks, pension schemes, insurance companies and saving co-ops we won't save - even if we can spare money. What is the root of 'trust' and how can we preserve trust?
Money Factor: Saving Time Horizon
Before you start saving, you should ask yourself this question: 'How long can I save for?' This is called the 'Time Horizon'. Every saver is unique and every saver's time horizon depends on their circumstances. So make sure you select what is right for YOU.
Here are my three tips for a fun and successful Time Horizon assessment.
Money Factor: ISAs (Savvy Savers' Choice)
Every saver is different - that's why there are many different saving products. Let's discover what saving opportunities are available to you, smart saving savvies!
Money Factor: Should you always save money?
We like to say that saving money gives you wings because it helps you make your dreams come true. It also protects you when things go wrong BUT is it always the right choice? There are many things to consider before deciding whether it is time to save or not. Clue? Bank of Mum & Dad Vs Debt.
Money Factor: Investing Money
Unit 5: Investing Money
The word 'investment' sounds very modern but it is ancient and it had not much to do with money at first. Fasten your seatbelts we are off to ancient Rome to find out why we are all investors...
Money Factor: Understanding Risk
Unit 5: Understanding & Measuring Risk
Investors take on risk because they believe that, in the long run, they will be rewarded with extra money (returns on investments). 'Risk' is a blanket term, with many meanings. Let's learn how to measure and describe risk.
Money Factor: The Main Asset Classes
Unit 5: Asset Classes - Equity
When investors understand and measure their risk appetite, tolerance, investment goals and time horizons, they are ready to start investing their assets. These are some of the options available to investors, young and old! Let's start with stocks and shares.
Unit 5: Asset Classes - Bonds
You can sell and buy debt. Debt is an asset class in fact offering investors many different kinds of risk/reward opportunities. You can buy debt issued by established, democratic countries or young countries, you can buy debt issued by large and established companies or small and new companies. You can keep bonds until the issuer gives your money back mor you can sell it on to other investors before that.
Unit 5: Asset Classes - Real estate
Property is the only asset class that is also known as 'Real Estate'. It is one of the most ancient asset classes available. It's easy to understand - after all, if you buy property you can see and touch IT (it's TANGIBLE). Real estate is also one of the most popular asset classes all over the world but it is not always a low-risk investment. Much depends on where the property is and what id does (is it a home? It is a shop? Is it a warehouse?) One thing real estate is NOT is being boring.
Money Factor: The Journey
Unit 5: Crashes and Bubbles
What happens when trust and confidence in an asset class or a sector evaporate? Fasten your seat belt, we are off on a bumpy journey to learn about crashes and bubbles and how they made (and sometimes broke) countries and economies.
Money Factor: From Good Investment to Speculation
Unit 5: Crashes and Bubbles - A History Part 1
Unit 5: Crashes and Bubbles - A History Part 2
What happens when trust and confidence in an asset class or a sector evaporate? Fasten your seat belt, we are off to the South Seas... errr, London actually in 1720, when much has changed since the time of Tulip Mania but the ingredients of a bad, old-fashioned crash are still present. Take cover, you are about to witness the 'South Sea Bubble' burst.
Unit 5: Crashes and Bubbles - A History Part 3
Investors lose faith in the market and sell their stocks and shares at the same time for many different reasons. There are many paths leading to a market crash! BANG! CLANG, OUCH!! Here's the story .... no the history of three market crashes that made history. We are in New York in the Roaring Twenties but the market is about to groan under the weight of wild speculation. Welcome to the Great Crash of 1929. Clue: it will hurt many people for a very long time.
Money Factor: Investment Rules
Unit 6: From Pocket to Portfolio - Part 1
It's time to learn how YOU could be a savvy and shrewd investor. The first thing to learn rule of sensible investment number one: DIVERSIFICATION! Do you want a clue? Eggs and basket... make sure you don't fall over!
Unit 6: From Pocket to Portfolio - Part 2
It's time to learn how YOU could be a savvy and shrewd investor. Now that you know all about diversification, asset classes and have learned how to diversify your investments, you have your own investment strategy. But how does your money go from your pocket to your portfolio? One option is to use a brokerage account, this is the most traditional way. In the olden days, people used to meet their brokers to discuss their investments, these days you can buy and sell any asset class using your brokerage accounts cheaply and conveniently wherever you are, thanks to the internet.
Unit 6: From Pocket to Portfolio - Part 3
Have you ever heard this proverb: 'There is safety in numbers.'? There are some investors who believe that and, instead of picking their own investments themselves, they pool their money with other investors in what we call 'mutual funds'.
Today we learn about the mutual funds where investment experts, known as fund managers, take investment decisions on the investors' behalf: this is called active management.
Unit 6: From Pocket to Portfolio - Part 4
Mutual funds offer investors a chance to gain exposure to different markets in a convenient and relatively cheap way. Not all mutual funds use fund managers to make choices about their investments though. Many - and they are getting increasingly popular - follow a benchmark like the FTSE 100. We call these mutual funds 'passively managed' because they buy and sell the same assets as the benchmarks they follow and so they need far less experienced fund management. And, because they are tracking benchmarks , they charge very low fees. These mutual funds are also known as 'trackers' or 'index-linked' funds and for many investors they represent the building blocks of their portfolios.
Unit 6: From Pocket to Portfolio - Part 5
Is there an alternative to buying collective funds like mutual funds for investors keen on diversification and professional management? The answer is YES! Enter Exchange Traded Funds (EFTs), the investment product launched in the 1990s to offer the best of both worlds: the liquidity of shares with the professional management of mutual funds for a fraction of mutual funds' costs. ETFs started as simple or 'plain vanilla' alternative to mutual fund management but they are not always simple or cheap. ETFs today offer a range of investment opportunities from low-cost index tracking to exposure to exotic investments. As ever; remember this mantra: investments = risks.
Unit 6: From Pocket to Portfolio - Part 6
How do you know you are making the right investment choices? You don't! Investing money involves taking risks but you can always manage risks by hiring experts to help you along the way. Meet the intermediary that does just that: it's the financial advisor. You can hire an advisor to give you personal help. If you do that, their investment advice you get is tailored to suit your specific circumstances.
You can use instead online services known as 'robo-advisors', which are much cheaper and much faster than personal advisers but they provide advice based on a set of questions, which allows them to identify what investor 'type' you are. Some thing this service is less personal. What do you think?
Money Factor: The Power of Investments
PREMIUM Unit 7: Do Well by Doing Good (?)
Are potential ROI the only metric investors use to judge the success (or lack thereof) of an investment? Many believe there are extra-financial factors to bear in mind, such as the environmental and societal impact of their investments. Should morality be part of investing? Or are good values and conservation practical business practices too? In this unit we explore the theory that there is good value in good values. Let's begin with 'ethical/sustainable' investments. This is a password-protected Premium Feature. You will find the videos and class challenges in the Unit 7 section. Have you lost your password? Get in touch with Cecilia: email@example.com or text: 07713627018
PREMIUM Unit 7: Do Well by Doing Good (?) Part 2
Sustainable Investments are making headlines these days. Some fete them as the key to a new and more just investment mentality, some are skeptical. Some are confused and believe a few myths and legends. In this class we are going to debunk a few. This is a password-protected Premium Feature. You will find the videos and class challenges in the Unit 7 section. Have you lost your password? Get in touch with Cecilia: firstname.lastname@example.org or text: 07713627018
Money Factor Stories - Zaid's Birthday Party
Or don't put all your eggs in one basket
Zaid just got £100 for his birthday. What can he do? He has many dreams, hopes and ideas but he needs help. Here are three simple and smart steps to help him make his dreams come true
Money Factor Stories- Zaid's Birthday Party (Part 2)
Money Factor Stories: Shopping with Pirates
Or watch inflation
Two pirates, one BIG treasure chest, many shopping trips... Imagine what can happen. Or don't. Just watch this video and learn what happens to prices when many people shop
Now, let me know
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All intellectual property rights in or arising out of or in connection with the Site, Services or Content shall be owned by us.
You agree not to use and/or breach any third party intellectual property rights when using the Site and/or the Services.
We grant you a non-exclusive, non-transferable licence to access the Content through the Site. You agree that the Services and the Content are solely for your educational purposes (and for the avoidance of doubt, nothing in this agreement grants to you any rights whatsoever in or relating to the source code of the Software).
Each party may be given access to Confidential Information from the other party in order to perform its obligations under this agreement. A party's Confidential Information shall not be deemed to include information that:
is or becomes publicly known other than through any act or omission of the receiving party; or
was in the other party's lawful possession before the disclosure; or
is lawfully disclosed to the receiving party by a third party without restriction on disclosure; or
is independently developed by the receiving party, which independent development can be shown by written evidence; or
is required to be disclosed by law, by any court of competent jurisdiction or by any regulatory or administrative body.
Each party shall hold the other's Confidential Information in confidence and, unless required by law, not make the other's Confidential Information available to any third party, or use the other's Confidential Information for any purpose other than the implementation of this agreement.
Each party shall use its best endeavours to ensure that the other's Confidential Information to which it has access is not disclosed or distributed in violation of the terms of this agreement.
Neither party shall be responsible for any loss, destruction, alteration or disclosure of Confidential Information caused by any third party (except, in our case, those third parties sub-contracted by us to perform services related to Subscriber Data maintenance and back-up).
You acknowledge that our Confidential Information includes the Software.
We acknowledge that the Subscriber Data is your Confidential Information.
This clause shall survive termination of this agreement, however arising.
The images of the Products on our Site are for illustrative purposes only. Although we have made every effort to display the colours accurately, we cannot guarantee that your computer’s display of the colours accurately reflect the colour of the Products. Your Products may therefore vary slightly from those images.
The packaging of the Products may vary from that shown on images on our Site.
All Products shown on our Site are subject to availability. We will inform you by e-mail as soon as possible if the Product you have ordered is not available and we will not process your order if made.
If you are a consumer, you may only purchase Products from our Site if you are at least 18 years old and expressly consent to our Terms and Conditions of Business.
If you are not a consumer, you confirm that you have authority to bind any business or organisation on whose behalf you use our Site to purchase Products.
OUR RIGHT TO VARY THESE TERMS
We may revise these Terms from time to time in the following circumstances:
changes in how we accept payment from you;
changes in relevant laws and regulatory requirements; and
changes required to the Services and/or the Products as required by us.
Whenever we revise these Terms, we will keep you informed and give you notice of this by stating that these Terms have been amended and the relevant date at the top of this page.
YOUR CANCELLATION AND REFUND RIGHTS IF YOU ARE A CONSUMER
This clause 11 only applies if you are a consumer.
If you are a consumer, you have a legal right to cancel a Contract (for Products only) under the Consumer Contracts (Information, Cancellation, and additional Changes) Regulations 2013, during the period set out below in clause 11.3. This means that during the relevant period if you change your mind or for any other reason you decide you do not want to keep a Product, you can notify us of your decision to cancel the Contract and receive a refund.
In relation to the Services, the Services will be available promptly once you have paid the Subscription Fee. As such by agreeing to pay the Subscription Fee, you expressly agree that we can provide the Services immediately and before the usual cancellation period expires.
Your legal right to cancel a Contract for Products starts from the date we provide you written confirmation of your Order, which is when the Contract between us is formed. If the Products have already been delivered to you, you have a statutory period of 14 (fourteen) working days in which you may cancel, starting from the day after the day you receive the Products. Working days means that Saturdays, Sundays or public holidays are not included in this period.
To cancel a Contract, you must contact us in writing by sending an e-mail to email@example.com or by sending a letter to 88 A Mildmay Park, London N1 4PR . You may wish to keep a copy of your cancellation notification for your own records.
You will receive a full refund of the price you paid for the Products and any applicable delivery charges you paid for. We will process the refund due to you as soon as possible and, in any case, within 30 calendar days of the day on which you gave us notice of cancellation as described in clause 11.4. If you returned the Products to us because they were faulty or mis-described, please see clause 11.6.
If you have returned the Products to us under this clause 11 because they are faulty or mis-described, we will refund the price of a defective Product in full, any applicable delivery charges, and any reasonable costs you incur in returning the item to us.
We refund you on the credit card or debit card used by you to pay.
If the Products were delivered to you:
you must return the Products to us as soon as reasonably practicable;
unless the Products are faulty or not as described (in this case, see clause11.6), you will be responsible for the cost of returning the Products to us;
you have a legal obligation to keep the Products in your possession and to take reasonable care of the Products while they are in your possession.
Details of your legal right to cancel and an explanation of how to exercise it are provided in the written confirmation of your order.
As a consumer, you will always have legal rights in relation to Products that are faulty or not as described. These legal rights are not affected by the returns policy in this clause 11 or these Terms. Advice about your legal rights is available from your local Citizens' Advice Bureau or Trading Standards office.
Your Order will be fulfilled by the estimated delivery date set out in our written confirmation of your Order, unless there is an Event Outside Our Control. If we are unable to meet the estimated delivery date because of an Event Outside Our Control, we will contact you with a revised estimated delivery date.
Delivery will be completed when we deliver the Products to the address you gave us.
If no one is available at your address to take delivery, we will leave you a note that the Products have been returned to our premises, in which case, please contact us to rearrange delivery.
The Products will be your responsibility from the completion of delivery.
You own the Products once we have received payment in full, including all applicable delivery charges.
PRICE AND CHARGES
The prices of the Services and the Products will be as quoted on our Site from time to time. All prices for the Services and the Products are payable in advance. We take all reasonable care to ensure that the prices of Services and the Products are correct at the time when the relevant information was entered onto the system.
The Subscription Fees and Subscription Periods will be on a monthly, six monthly and annual basis. Monthly and six monthly subscriptions will automatically be renewed at the end of the relevant Subscription Period until you notify us that you wish to terminate your subscription.
Prices for our Services and/or Products may change from time to time, but changes will not affect any Order which we have confirmed with you in our written acceptance of your Order.
The price of the Services and/or the Product includes VAT (where applicable) at the applicable current rate chargeable in the UK for the time being. However, if the rate of VAT changes between the date of your order and the date of delivery, we will adjust the VAT you pay, unless you have already paid for the Products in full before the change in VAT takes effect.
The price of a Product does not include delivery charges. Our delivery charges are as quoted on our Site from time to time.
If we raise an invoice for you to pay, the invoice must be paid within 28 days from the date of the invoice. We reserve the right to charge interest at a daily rate of 3% over the base lending rate of HSB Bank Plc if you fail to make payment on the due date.
HOW TO PAY
You can only pay for the Services and/or Products via the Site using a debit card or credit card. In the case of businesses and organisations we may raise an invoice for the Services and/or Products that you wish to Order.
Payment for the Services and/or the Products and all applicable delivery charges is in advance.
OUR LIABILITY IF YOU ARE A BUSINESS
This clause only applies if you are a business customer.
We only supply the Services and/or Products for educational purposes, and you agree not to use the Services and/or Products for any re-sale purposes.
Nothing in these Terms limit or exclude our liability for:
death or personal injury caused by our negligence;
fraud or fraudulent misrepresentation;
breach of the terms implied by section 12 of the Sale of Goods Act 1979 (title and quiet possession); or
defective products under the Consumer Protection Act 1987.
Subject to clause 15.2, we will under no circumstances whatever be liable to you, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, arising under or in connection with the Contract for:
any loss of profits, sales, business, or revenue;
loss or corruption of data, information or software;
loss of business opportunity;
loss of anticipated savings;
loss of goodwill; or
any indirect or consequential loss.
Subject to clause 15.2 and clause 15.3, our total liability to you in respect of all other losses arising under or in connection with the Contract, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, shall in no circumstances exceed 115% of the price of the Services and/or Products that you Order.
Except as expressly stated in these Terms, we do not give any representation, warranties or undertakings in relation to the Services and/or Products. Any representation, condition or warranty which might be implied or incorporated into these Terms by statute, common law or otherwise is excluded to the fullest extent permitted by law. In particular, we will not be responsible for ensuring that the Services and/or Products are suitable for your purposes.
OUR LIABILITY IF YOU ARE A CONSUMER
This clause only applies if you are a consumer.
If we fail to comply with these Terms, we are responsible for loss or damage you suffer that is a foreseeable result of our breach of these Terms or our negligence, but we are not responsible for any loss or damage that is not foreseeable. Loss or damage is foreseeable if they were an obvious consequence of our breach or if they were contemplated by you and us at the time we entered into the Contract.
We only supply the Services and/or Products for educational purposes, domestic and private use. You agree not to use the product for any commercial, business or re-sale purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
We do not in any way exclude or limit our liability for:
death or personal injury caused by our negligence;
fraud or fraudulent misrepresentation;
any breach of the terms implied by section 17 of the Consumer Rights act 2015 (title and quiet possession);
any breach of the terms implied by sections 9,10 and 13 of the Consumer Rights Act 2015 (description, satisfactory quality, fitness for purpose and samples); and
defective products under the Consumer Protection Act 1987.
EVENTS OUTSIDE OUR CONTROL
We will not be liable or responsible for any failure to perform, or delay in performance of, any of our obligations under these Terms and any Contract that is caused by an Event Outside Our Control. An Event Outside Our Control is defined below in clause 17.2.
An Event Outside Our Control means any act or event beyond our reasonable control, including without limitation strikes, lock-outs or other industrial action by third parties, civil commotion, riot, invasion, terrorist attack or threat of terrorist attack, war (whether declared or not) or threat or preparation for war, fire, explosion, storm, flood, earthquake, subsidence, epidemic or other natural disaster, or failure of public or private telecommunications networks or impossibility of the use of railways, shipping, aircraft, motor transport or other means of public or private transport.
If an Event Outside Our Control takes place that affects the performance of our obligations under a Contract:
we will contact you as soon as reasonably possible to notify you; and
our obligations under a Contract will be suspended and the time for performance of our obligations will be extended for the duration of the Event Outside Our Control. Where the Event Outside Our Control affects our delivery of Products to you, we will arrange a new delivery date with you after the Event Outside Our Control is over.
This agreement will terminate (i) automatically at the end of the Subscription Period in which you notify us that you wish to terminate the Contract (unless you agree to continue with Services and pay a further Subscription Fee) and (ii) if you or we are in material breach of any of its terms and if the breach is not remedied within the period of twenty working days after written notice of it has been given to the party in breach.
If we are in material breach as a result of circumstances within our control, you will be entitled to pro-rata return of the Subscription Fee. If you are in material breach of this agreement you will not be entitled to a refund of your Subscription Fee.
On termination of this agreement for any reason:
all licences granted under this agreement shall immediately terminate;
subject to the exceptions in this sub-clause, you will take reasonable steps to delete the Software and Contents from your electronic media and electronic storage devices so that you no longer have an electronically functional copy of the Software or any part of the Contents;
we may destroy or otherwise dispose of any of the Subscriber Data in our possession unless we receive, no later than ten days after the effective date of the termination or expiry of this agreement, a written request for the delivery to you of a print-out of the then most recent back-up of the Subscriber Data. We shall use reasonable commercial efforts to deliver the print-out to you within 30 days of receipt of such a written request, provided that you have, at that time, paid all fees and charges outstanding at and resulting from termination (whether or not due at the date of termination). You shall pay all reasonable expenses incurred by us in delivering such print-out; and
termination shall not affect or prejudice the accrued rights of the parties as at termination, or the continuation after termination of any provision expressly stated to survive or implicitly surviving termination.
COMMUNICATIONS BETWEEN US
When we refer, in these Terms, to "in writing", this will include e-mail.
If you wish to contact us in writing, or if any clause in these Terms requires you to give us notice in writing, you can send this to us by e-mail or by pre-paid post to OoberK Limited at 80-83 Long Lane, London EC1A 9ET or firstname.lastname@example.org. We will confirm receipt of this by contacting you in writing, normally by e-mail. If you are a consumer and exercising your right to cancel under clause 11, please see that clause 11 for how to tell us this.
If we have to contact you or give you notice in writing, we will do so by e-mail or by pre-paid post to the address you provide to us in your order.
If you are a business, please note that any notice given by you to us, or by us to you, will be deemed received and properly served immediately when posted on our Site, 24 hours after an e-mail is sent, or three days after the date of posting of any letter. In proving the service of any notice, it will be sufficient to prove, in the case of a letter, that such letter was properly addressed, stamped and placed in the post and, in the case of an e-mail, that such e-mail was sent to the specified e-mail address of the addressee.
OTHER IMPORTANT TERMS
We may transfer our rights and obligations under a Contract to another organisation, but this will not affect your rights or our obligations under these Terms. We will always notify you in writing or by posting on the Site if this happens.
You may only transfer your rights or your obligations under these Terms to another person if we agree in writing.
This Contract is between you and us. No other person shall have any rights to enforce any of its terms, whether under the Contracts (Rights of Third Parties Act) 1999 or otherwise.
Each of the paragraphs of these Terms operates separately. If any court or relevant authority decides that any of them are unlawful or unenforceable, the remaining paragraphs will remain in full force and effect.
If we fail to insist that you perform any of your obligations under these Terms, or if we do not enforce our rights against you, or if we delay in doing so, that will not mean that we have waived our rights against you and will not mean that you do not have to comply with those obligations. If we do waive a default by you, we will only do so in writing, and that will not mean that we will automatically waive any later default by you.
If you are a consumer, please note that these Terms are governed by English law. This means a Contract for the purchase of Services and/or Products through our Site and any dispute or claim arising out of or in connection with it will be governed by English law. You and we both agree to that the courts of England and Wales will have exclusive jurisdiction.
If you are a business, these Terms are governed by English law. This means that a Contract, and any dispute or claim arising out of or in connection with it or its subject matter or formation (including non-contractual disputes or claims), will be governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.
Terms of website use
Information about us
www.ooberkidsrepublic.com is a site operated by OoberK Limited ("We"). We are registered in England and Wales under company registration number 07673671 and our postal address is 88A Mildmay Park , London N1 4PR.
Accessing our site
Access to our site is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our site without notice (see below). We will not be liable if for any reason our site is unavailable at any time or for any period.
From time to time, we may restrict access to some parts of our site, or our entire site, to users who have registered with us.
You are responsible for making all arrangements necessary for you to have access to our site. You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms, and that they comply with them.
Intellectual property rights
We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
You may print off one copy, and may download extracts, of any page(s) from our site for your personal reference and you may draw the attention of others within your household or organisation to material posted on our site.
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.
Our status (and that of any identified contributors) as the authors of material on our site must always be acknowledged.
You must not use any part of the materials on our site for commercial purposes without obtaining a licence to do so from us or our licensors.
Reliance on information posted
Commentary and other materials posted on our site are not intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our site, or by anyone who may be informed of any of its contents.
Our site changes regularly
We aim to update our site regularly, and may change the content at any time. If the need arises, we may suspend access to our site, or close it indefinitely. Any of the material on our site may be out of date at any given time, and we are under no obligation to update such material.
The material displayed on our site is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we, other members of our group of companies and third parties connected to us hereby expressly exclude:
All conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity.
Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our site or in connection with the use, inability to use, or results of the use of our site, any websites linked to it and any materials posted on it, including:
loss of income or revenue;
loss of business;
loss of profits or contracts;
loss of anticipated savings;
loss of data;
loss of goodwill;
wasted management or office time; and
whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable, provided that this condition shall not prevent claims for loss of or damage to your tangible property or any other claims for direct financial loss that are not excluded by any of the categories set out above.
This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.
Information about you and your visits to our site
Transactions concluded through our site
Contracts for the supply of services and/or products formed through our site or as a result of visits made by you are governed by our terms and conditions of supply which will need to be agreed before you can order.
Acceptable use and Uploading material to our site
You may use our site only for lawful purposes. You may not use our site:
In any way that breaches any applicable local, national or international law or regulation.
In any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect.
For the purpose of harming or attempting to harm minors in any way.
To send, knowingly receive, upload, download, use or re-use any material which does not comply with our content standards set out below.
To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam).
To knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware.
You also agree:
Not to reproduce, duplicate, copy or re-sell any part of our site in contravention of the provisions of this policy.
Not to access without authority, interfere with, damage or disrupt:
any part of our site;
any equipment or network on which our site is stored;
any software used in the provision of our site; or
any equipment or network or software owned or used by any third party.
We may from time to time provide interactive services on our site, including, without limitation:
Other interactive features.
The interactive services are fully moderated. Every contribution submitted (contribution) will be checked by us for compliance with our content standards below (Content Standards) as soon as reasonably practicable after it is published. We will try to publish as many contributions as we can but we cannot guarantee that all contributions will be published or at all. We also cannot guarantee how quickly contributions will be posted on the Board as this will depend on other editorial commitments.
Although the interactive services are fully moderated, we are under no obligation to you or any other person to oversee, monitor or moderate the interactive services or any other service we provide on our site and we may stop moderating the interactive services at any time. We reserve the right to remove, or to disable access to, any contribution which we deem to be potentially defamatory of any person or which we deem unlawful or in violation of any third party rights. We expressly exclude our liability for any loss or damage arising from the use of the interactive services by any person in contravention of this policy.
We will do our best to assess any possible risks for users (and in particular, for children) from third parties when they use any interactive service provided on our site, and we will decide in each case whether it is appropriate to use moderation of the relevant service (including what kind of moderation to use) in the light of those risks. However, we are under no obligation to oversee, monitor or moderate any interactive service we provide on our site, and we expressly exclude our liability for any loss or damage arising from the use of any interactive service by a user in contravention of our content standards, whether the service is moderated or not.
The use of any of our interactive services by a minor is subject to the express consent of their parent or guardian. We advise parents who permit their children to use an interactive service that it is important that they communicate with their children about their safety online, as moderation is not foolproof. Minors who are using any interactive service should be made aware of the potential risks to them.
Where we do moderate an interactive service, we will normally provide you with a means of contacting the moderator, should a concern or difficulty arise.
These content standards apply to any and all material which you contribute to our site, and to any interactive services associated with it.
You must comply with the spirit of the following standards as well as the letter. The standards apply to each part of any contribution as well as to its whole.
Be accurate (where they state facts).
Be genuinely held (where they state opinions).
Comply with applicable law in the UK and in any country from which they are posted.
Contributions must not:
state personal information (real names, addresses, phone numbers, email address) to other users on the Site;
Contain any personal information regarding the user;
Contain any material which is defamatory of any person.
Contain any material which is obscene, offensive, hateful or inflammatory.
Promote sexually explicit material.
Promote discrimination based on race, sex, religion, nationality, disability, sexual orientation or age.
Infringe any copyright, database right or trade mark of any other person.
Be likely to deceive any person.
Be made in breach of any legal duty owed to a third party, such as a contractual duty or a duty of confidence.
Promote any illegal activity.
Be threatening, abuse or invade another's privacy, or cause annoyance, inconvenience or needless anxiety.
Be likely to harass, upset, embarrass, alarm or annoy any other person.
Be used to impersonate any person, or to misrepresent your identity or affiliation with any person.
Give the impression that they emanate from us, if this is not the case.
Advocate, promote or assist any unlawful act such as (by way of example only) copyright infringement or computer misuse.
Suspension and termination
We will determine, in our discretion, whether there has been a breach of this policy through your use of our site. When a breach of this policy has occurred, we may take such action as we deem appropriate.
Failure to comply with this policy constitutes a material breach of its terms upon which you are permitted to use our site, and may result in our taking all or any of the following actions:
Immediate, temporary or permanent withdrawal of your right to use our site.
Immediate, temporary or permanent removal of any posting or material uploaded by you to our site.
Issue of a warning to you.
Legal proceedings against you for reimbursement of all costs on an indemnity basis (including, but not limited to, reasonable administrative and legal costs) resulting from the breach.
Further legal action against you.
Disclosure of such information to law enforcement authorities as we reasonably feel is necessary.
We exclude liability for actions taken in response to breaches of this policy. The responses described in this policy are not limited, and we may take any other action we reasonably deem appropriate.
Whenever you make use of a feature that allows you to upload material to our site, or to make contact with other users of our site, you must comply with the content standards set out in this policy. You warrant that any such contribution does comply with those standards, and you indemnify us for any breach of that warranty.
Any material you upload to our site will be considered non-confidential and non-proprietary, and we have the right to use, copy, distribute and disclose to third parties any such material for any purpose. We also have the right to disclose your identity to any third party who is claiming that any material posted or uploaded by you to our site constitutes a violation of their intellectual property rights, or of their right to privacy.
We will not be responsible, or liable to any third party, for the content or accuracy of any materials posted by you or any other user of our site.
We have the right to remove any material or posting you make on our site if, in our opinion, such material does not comply with the content standards set out in this policy.
Viruses, hacking and other offences
You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack.
By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.
We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any material posted on it, or on any website linked to it.
Linking to our site
You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.
You must not establish a link from any website that is not owned by you.
Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page. We reserve the right to withdraw linking permission without notice. The website from which you are linking must comply in all respects with the content standards set out in this policy.
If you wish to make any use of material on our site other than that set out above, please address your request to email@example.com.
Links from our site
Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them.
Jurisdiction and applicable law
The English courts will have exclusive jurisdiction over any claim arising from, or related to, a visit to our site although we retain the right to bring proceedings against you for breach of these conditions in your country of residence or any other relevant country.
OoberKidsRepublic are pending UK registered trademarks of OoberK Limited.
If you have any concerns about material which appears on our site, please contact firstname.lastname@example.org.
Thank you for visiting our site.
For more information about child-friendly use of the internet, consider consulting resources such as the following;
keeping children safe online
OoberK Limited ("We") are committed to protecting and respecting your privacy.
For the purpose of the Data Protection Act 1998 (the Act), the data controller is OoberK Limited of 88a Mildmay Park, N1 4PR London
INFORMATION WE MAY COLLECT FROM YOU
We may collect and process the following data about you:
Information that you provide by filling in forms on our site www.ooberkidsrepublic.com (our site). This includes information provided at the time of registering to use our site, subscribing to our service, posting material or requesting further services. We may also ask you for information when you enter a competition or promotion and when you report a problem with our site.
If you contact us, we may keep a record of that correspondence but only for as long as reasonably practicable. All our information and data is stored strictly in accordance with the Data Protection Act 1998 and we will not retain information for longer than legally required.
We may also ask you to complete surveys that we use for research purposes, although you do not have to respond to them.
Details of transactions you carry out through our site and of the fulfilment of your orders.
Details of your visits to our site including, but not limited to, traffic data, location data, weblogs and other communication data, whether this is required for our own billing purposes or otherwise and the resources that you access.
We may collect information about your computer, including where available your IP address, operating system and browser type, for system administration and to report aggregate information to our advertisers. This is statistical data about our users' browsing actions and patterns, and does not identify any individual.
A cookie is a small file of letters and numbers that we store on your browser or the hard drive of your computer if you agree. Cookies contain information that is transferred to your computer's hard drive.
The cookies we use are:
Strictly necessary cookies. These are cookies that are required for the operation of our website. They include, for example, cookies that enable you to log into secure areas of our website, use a shopping cart or make use of e-billing services.
Analytical/performance cookies. They allow us to recognise and count the number of visitors and to see how visitors move around our website when they are using it. This helps us to improve the way our website works, for example, by ensuring that users are finding what they are looking for easily.
Functionality cookies. These are used to recognise you when you return to our website. This enables us to personalise our content for you, greet you by name and remember your preferences (for example, your choice of language or region).
Targeting cookies. These cookies record your visit to our website, the pages you have visited and the links you have followed. We will use this information to make our website and the advertising displayed on it more relevant to your interests. We may also share this information with third parties for this purpose.
You can block cookies by activating the setting on your browser that allows you to refuse the setting of all or some cookies. However, if you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or parts of our site.
Except for essential cookies, all cookies will expire after 48 hours.
WHERE WE STORE YOUR PERSONAL DATA
All information you provide to us is stored on our secure servers. Any payment transactions will be encrypted. Where we have given you (or where you have chosen) a password which enables you to access certain parts of our site, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.
Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.
USES MADE OF THE INFORMATION
We use information held about you in the following ways:
To ensure that content from our site is presented in the most effective manner for you and for your computer.
To provide you with information, products or services that you request from us or which we feel may interest you, where you have consented to be contacted for such purposes.
To carry out our obligations arising from any contracts entered into between you and us.
To allow you to participate in interactive features of our service, when you choose to do so.
To notify you about changes to our service.
We may collect information you and to report aggregate information. This is statistical data about our users, and does not identify any individual.
We will not transfer your personal data to any third parties.
DISCLOSURE OF YOUR INFORMATION
We may disclose your personal information to any member of our group, which means our subsidiaries, our ultimate holding company and its subsidiaries, as defined in section 1159 of the UK Companies Act 2006.
We may disclose your personal information to third parties:
In the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets.
If OoberK Limited or substantially all of its assets are acquired by a third party, in which case personal data held by it about its customers will be one of the transferred assets.
If we sell or transfer or licence the aggregate information of our users. This is statistical data about our users', and does not identify any individual.
We will not process your personal data for marketing purposes except as set out above.
Our site may, from time to time, contain links to and from the websites of our partner networks, advertisers and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.
ACCESS TO INFORMATION
The Act gives you the right to access information held about you. Your right of access can be exercised in accordance with the Act.