1. Introduction

These Terms of Use govern your access to and use of the website operated by HBI Capital Ltd (“HBI”, “we”, “us”, “our”).

By accessing or using this website, you agree to be bound by these Terms. If you do not agree with them, you should not use this website.

2. About Us

HBI Capital Ltd is a company registered in England and Wales.
Company number: 15597712
Registered office: The Oaks, Kem Mill Lane, Whittle-le-Woods, Chorley, PR6 7DZ

3. Website Information

The content of this website is provided for general information purposes only.

While we make reasonable efforts to ensure that information is accurate and up to date, we make no representations, warranties or guarantees (express or implied) that the content is accurate, complete or current.

We reserve the right to modify or remove content at any time without notice.

4. No Financial or Investment Advice

Nothing on this website constitutes:

• Financial advice
• Investment advice
• Legal advice
• Tax advice
• An offer to lend
• An offer to borrow
• An offer or invitation to invest

Any lending, borrowing or investment activity is subject to separate contractual documentation and appropriate due diligence.

You should obtain independent professional advice before making any financial decision.

5. No Offer or Financial Promotion

The information on this website is not intended to constitute a financial promotion or an invitation to engage in investment activity.

Any engagement with HBI Capital Ltd is subject to applicable regulatory and legal requirements.

6. Limitation of Liability

To the fullest extent permitted by law, HBI Capital Ltd shall not be liable for:

• Any direct or indirect loss
• Loss of profit
• Loss of business
• Loss of opportunity
• Loss of data
• Any consequential or special loss

arising from or connected with the use of this website.

Nothing in these Terms excludes liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded under law.

7. Intellectual Property

All content on this website, including text, logos, branding, graphics and layout, is owned by or licensed to HBI Capital Ltd.

You may:

• View and print content for personal, non-commercial use only.

You may not:

• Copy, reproduce or distribute content
• Modify content
• Use content for commercial purposes

without our prior written consent.

8. Website Availability

We do not guarantee that:

• The website will always be available
• The website will be uninterrupted
• The website will be free from errors or viruses

You are responsible for ensuring your own device security.

9. Links to Third-Party Websites

This website may contain links to third-party websites.

We have no control over the content of those websites and accept no responsibility for them.

10. Privacy and Cookies

Use of this website is also governed by our:

• Privacy Policy
• Cookie Policy

11. Governing Law

These Terms of Use are governed by and construed in accordance with the laws of England and Wales.

Any disputes arising in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

12. Changes to These Terms

We may revise these Terms of Use at any time by updating this page.

The latest version will always be available on our website.