Disclaimer

Last updated: February 2026

1. General Disclaimer

The information provided on the Hibba Limited website at https://hibba.co (the "Website") is for general informational purposes only. While we endeavour to keep the information up to date and correct, Hibba Limited makes no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the Website or the information, products, services, or related graphics contained on the Website for any purpose.

Any reliance you place on such information is strictly at your own risk. Hibba Limited shall not be liable for any loss or damage, including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from the use of or reliance on the information presented on this Website.

2. Property Investment Disclaimer

IMPORTANT NOTICE: Please read this section carefully before using any property investment tools or information on our Website.

Hibba Limited provides technology solutions for the real estate sector, including property market analysis tools, investment calculators, yield estimation tools, and data-driven property insights (collectively, "Property Investment Tools"). These tools and any associated content are provided strictly for educational and informational purposes only.

2.1 Not Financial Advice

The Property Investment Tools and all related information, data, projections, estimates, and analysis presented on our Website:

• Do not constitute financial advice, investment advice, tax advice, legal advice, or any other form of professional advice.
• Do not constitute a recommendation, solicitation, or offer to buy, sell, lease, or otherwise deal in any property, financial instrument, or investment product.
• Do not constitute a guarantee, forecast, or prediction of future property values, rental yields, capital growth, investment returns, or market performance.
• Should not be relied upon as the sole basis for making any property investment, financial, or business decision.

2.2 Investment Risk

Property investment involves significant risk. You should be aware that:

• The value of property can go down as well as up, and you may get back less than you invest.
• Past performance of property markets is not a reliable indicator of future results.
• Property investments are inherently illiquid and may not be easily or quickly converted to cash.
• Rental income is not guaranteed and may be affected by vacancy periods, tenant defaults, maintenance costs, and changing market conditions.
• Changes in government policy, taxation, planning regulations, interest rates, and economic conditions can significantly affect property values and returns.
• Property transactions involve substantial costs including stamp duty, legal fees, survey fees, and agent commissions that may reduce overall returns.

2.3 Seek Professional Advice

Before making any property investment or financial decision, you should obtain independent professional advice from appropriately qualified and regulated professionals, including but not limited to:

• A financial adviser authorised and regulated by the Financial Conduct Authority (FCA).
• A qualified surveyor registered with the Royal Institution of Chartered Surveyors (RICS).
• A solicitor or licensed conveyancer for legal matters.
• A qualified tax adviser or accountant for tax implications.
• A mortgage broker or lender for financing considerations.

Hibba Limited is not authorised or regulated by the Financial Conduct Authority (FCA). We do not hold any FCA permissions and do not provide regulated financial advice or services.

2.4 Data Accuracy

The data used in our Property Investment Tools is sourced from third-party providers and publicly available sources. While we take reasonable steps to ensure the data is accurate and up to date, we cannot guarantee its completeness, accuracy, or timeliness. Data may be subject to delays, errors, or omissions, and market conditions can change rapidly. You should independently verify all data and information before relying on it.

3. No Guarantees on Accuracy

Hibba Limited makes every effort to ensure that the information on this Website is accurate and current. However, we do not warrant or guarantee that:

• The content on the Website is accurate, complete, or up to date at all times.
• The Website will be available at all times or that access will be uninterrupted.
• The Website is free from errors, defects, viruses, or other harmful components.
• Any results or outcomes obtained from the use of our tools, services, or information will be accurate or reliable.
• Any defects in the Website will be corrected in a timely manner.

Information on the Website, including technical specifications, service descriptions, case studies, and industry insights, may contain typographical errors, inaccuracies, or omissions. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update information at any time without prior notice.

4. Professional Advice Recommendation

The content on our Website, including blog posts, case studies, industry insights, white papers, and service descriptions, is provided for general informational and educational purposes. It is not intended to replace professional advice tailored to your specific circumstances.

For matters relating to IT strategy, cybersecurity, data protection, cloud infrastructure, regulatory compliance, or any other technical or business matter, we strongly recommend consulting with qualified professionals who can assess your individual needs and provide advice appropriate to your situation.

While Hibba Limited provides professional IT consulting services, any information presented on the Website outside of a formal engagement does not create a professional-client relationship and should not be treated as personalised advice.

5. Third-Party Links

Our Website may contain links to external websites, resources, and services operated by third parties. These links are provided for your convenience and informational purposes only. Hibba Limited:

• Has no control over the content, privacy practices, or availability of third-party websites.
• Does not endorse, sponsor, or recommend any third-party websites, their content, or the products or services they offer, unless explicitly stated.
• Is not responsible for any loss, damage, or inconvenience caused by or arising from the use of third-party websites.
• Makes no representations or warranties regarding the accuracy, completeness, or reliability of information found on third-party websites.

We encourage you to review the terms of service and privacy policy of any third-party website before providing any personal information or conducting any transactions.

6. Client Logos and Trademark Disclaimer

Our Website may display logos, trade marks, trade names, and brand identities of our clients, partners, technology vendors, and other third parties. All such logos and trade marks are the property of their respective owners.

The display of third-party logos and trade marks on our Website:

• Is used solely for identification and informational purposes to illustrate our experience and capabilities.
• Does not imply endorsement, sponsorship, or affiliation by the respective trade mark owners, unless explicitly stated.
• Does not imply that Hibba Limited has any ownership interest in such trade marks.
• Does not constitute a recommendation of those companies' products or services by Hibba Limited.

If you are a trade mark owner and believe that your trade mark is being used on our Website in a manner that constitutes trade mark infringement or is otherwise objectionable, please contact us at info@hibba.co and we will promptly review and address your concern.

7. Technology and Service Information

Information about technologies, platforms, and services mentioned on our Website (including but not limited to cloud platforms, cybersecurity tools, analytics solutions, and programming languages) is provided for informational purposes. Technology capabilities, features, pricing, and availability are subject to change by the respective providers without notice.

Hibba Limited does not guarantee compatibility, performance, or suitability of any specific technology solution for your particular requirements. Technology recommendations should always be evaluated in the context of your specific business needs, existing infrastructure, budget, and regulatory requirements.

8. Testimonials and Case Studies

Any testimonials, case studies, success stories, or client references displayed on our Website reflect the individual experiences of those particular clients. These results are specific to those clients and their unique circumstances, and we do not claim or guarantee that all clients will achieve the same or similar results.

Performance outcomes are influenced by many factors, including but not limited to existing infrastructure, organisational readiness, implementation approach, budget, timeline, and market conditions.

9. Limitation of Liability

To the fullest extent permitted by applicable law, Hibba Limited, its directors, officers, employees, agents, and affiliates shall not be liable for:

• Any direct, indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of, or inability to use, the Website or any content, tools, or services provided therein.
• Any errors, omissions, or inaccuracies in the content on the Website.
• Any personal injury, property damage, or financial loss of any nature whatsoever resulting from your access to and use of the Website.
• Any unauthorised access to or use of our servers and/or any personal information stored therein.
• Any interruption or cessation of transmission to or from the Website.
• Any bugs, viruses, Trojan horses, or the like that may be transmitted to or through the Website by any third party.
• Any loss arising from investment decisions, property transactions, or business decisions made based on information or tools provided on the Website.

Nothing in this Disclaimer excludes or limits our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by the laws of England and Wales.

10. Indemnification

You agree to indemnify, defend, and hold harmless Hibba Limited and its directors, officers, employees, agents, and affiliates from any claims, damages, losses, liabilities, and expenses (including reasonable legal fees) arising out of or related to your use of the Website, your reliance on any information provided on the Website, or your violation of this Disclaimer or any applicable law.

11. Governing Law

This Disclaimer shall be governed by and construed in accordance with the laws of England and Wales. Any disputes arising in connection with this Disclaimer shall be subject to the exclusive jurisdiction of the courts of England and Wales.

12. Severability

If any provision of this Disclaimer is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect. The invalid or unenforceable provision shall be replaced by a valid, enforceable provision that most closely reflects the intent of the original provision.

13. Changes to This Disclaimer

Hibba Limited reserves the right to modify or update this Disclaimer at any time without prior notice. Changes will be effective immediately upon posting the revised Disclaimer on this page. We will update the "Last updated" date at the top of the page to reflect the date of the most recent revision.

Your continued use of the Website following the posting of any changes constitutes your acceptance of those changes. We encourage you to review this Disclaimer periodically.

14. Contact Us

If you have any questions, concerns, or requests regarding this Disclaimer, please contact us at:

Hibba Limited
Registered in England & Wales
London, United Kingdom
Email: info@hibba.co
Website: https://hibba.co

We aim to respond to all enquiries within 5 working days.