Terms of sale and use

Effective date: 7 November 2026.

1. Who we are and what these terms cover

We are HuBelor Limited, registered in England and Wales under company number 17497104. Our registered office is Hallmark House, 25 Downham Road, Ramsden Heath, Billericay, CM11 1PU, United Kingdom. Our VAT number is GB532136913.

Our websites, platforms and product brands are operated by HuBelor Limited. They are not separate companies. These terms cover our direct sales of digital content, online platforms, subscriptions and services, and the use of websites that link to them.

Contact us through the HuBelor contact form, the support form on the relevant product website, or by post to our registered office. Include the product name and order reference, but do not send passwords or full payment-card details.

2. Conditions and contract formation

2.1 These terms apply to each order for our digital products, subscriptions or services. “Product” includes digital content and access to an online platform. An “order” is the purchase you submit through our checkout or an agreed order form. If you act for an organisation, you confirm you have authority to bind it. A consumer is an individual acting wholly or mainly outside their trade, business, craft or profession; other customers are business customers.

2.2 Before ordering, you can review the description, price, access arrangements, technical requirements and any specific terms, and correct errors. Each order is an offer to purchase on those terms. An automated receipt or payment acknowledgement is not itself acceptance. We accept when we expressly confirm acceptance in writing or begin the agreed supply, whichever happens first. We will provide confirmation and the applicable terms in a form you can retain. If we reject an order, we will explain and promptly refund any payment taken for it.

2.3 For business customers, these terms exclude terms in a customer's purchase order, order confirmation or other document unless an authorised HuBelor representative expressly agrees to them in writing. Merely processing a purchase order does not constitute that agreement.

2.4 An expressly agreed written contract takes priority, followed by the accepted order and its product-specific terms, then these general terms. A variation must be agreed in writing by authorised representatives of both parties, except for changes made under section 9. Product descriptions and information that the law makes binding remain part of the agreement.

2.5 The documents identified above record the agreement for the order. This does not exclude fraud, a statement or promise expressly incorporated into the agreement, or information or representations on which a consumer is entitled by law to rely. It does not replace an existing customer's contract retrospectively.

2.6 Where checkout expressly identifies another legal seller or merchant of record, its terms govern that sale and its payment, tax and refund responsibilities. HuBelor remains responsible for its own obligations as product provider. A payment processor used for HuBelor's direct sales does not become the seller merely by processing payment.

3. Prices and payment

The price, currency, billing frequency and any minimum commitment will be shown before you pay. Our displayed prices include VAT where applicable unless a business-only quotation clearly states otherwise. Any other mandatory charges will be disclosed before the order is placed.

Payments may be handled by Stripe or another provider identified at checkout. Payment providers may require authentication. A failed or disputed payment does not remove your right to raise a genuine complaint. We may restrict unpaid services after notifying you and allowing a reasonable opportunity to resolve the issue.

Unless an accepted order states a different payment schedule, one-off purchases are payable when ordered and subscriptions are payable in advance for each billing period. Any deposit, milestone payment or agreed invoice due date will be stated before you commit. We will provide a payment record and an appropriate VAT invoice where required. We will not apply an additional charge that has not been agreed.

Business customers must pay undisputed sums by the agreed due date and promptly explain any disputed amount so we can investigate it. We reserve any statutory entitlement to interest and recovery costs on overdue commercial debts. These commercial-debt provisions do not apply to consumers. No term removes a right to withhold or set off payment that cannot lawfully be excluded.

4. Subscriptions

Subscriptions renew at the frequency shown when you subscribe until cancelled. Any trial, introductory price, later price or minimum term will be explained before you agree. You can stop renewal through the product's billing controls, where provided, or by sending us a clear cancellation request through its support form or the HuBelor contact form. We will confirm cancellation.

Unless the product terms say otherwise, cancellation takes effect at the end of the period already paid for and access continues until then. We do not normally refund unused parts of that period merely because you stop using the product. This does not affect statutory cancellation rights, remedies for faults or any refund expressly promised to you.

We will explain any change of plan, price adjustment or prorated charge before you confirm it. We will give reasonable advance notice of a renewal price increase and a chance to cancel before it applies. Any legally required reminders and renewal cancellation rights also apply.

5. Digital content and online services

The product page describes what is supplied, how to access it, any download expiry, supported formats or devices, and relevant technical requirements. Unless stated otherwise, you receive a non-exclusive licence to use the product for its stated purpose; you do not acquire ownership of our software or other intellectual property.

Do not resell, redistribute or share licensed content beyond the permission included with your purchase. Your own uploaded content remains yours. You give us only the permission needed to host, process and deliver it as part of the agreed service.

We use reasonable care and skill in providing services. Availability can be affected by maintenance and third-party systems. We will explain any promised service level separately. Information tools are not a substitute for professional advice: the relevant product terms explain source limitations and permitted use. A company-monitoring alert is not itself a credit decision or a recommendation to lend.

For commissioned services, the accepted order or statement of work will set out scope, deliverables, milestones, dependencies and any acceptance criteria. Please supply the information, permissions and access reasonably needed for that work. We will explain any delay caused by a missing dependency and agree material changes to scope, timing or price before carrying out additional chargeable work. Silence or continued use does not by itself waive a right to report a defect.

Unless agreed otherwise, HuBelor and its licensors retain ownership of software, templates, methods and other intellectual property used or created in providing the service. Any assignment of bespoke deliverables must be expressly agreed in writing. Your licence lasts for the period and permitted use described in the order; subscription access ordinarily ends when the subscription ends. Third-party and open-source licence rights remain subject to their applicable terms.

You must have the rights needed for material you supply to us. Do not copy, sublicense, resell or reverse engineer our software except as expressly permitted by the licence or by law. We may make maintenance and security updates, but will not materially reduce an agreed paid service during its committed term without your agreement or an appropriate right to end it and obtain a refund for the unprovided portion.

6. Consumer cancellation and refunds

If you buy as a consumer at a distance, you will usually have 14 days to change your mind. For services and digital content, this normally runs from the day after the contract is made. Exceptions and any additional rights will be explained where applicable.

To cancel, send a clear statement through our contact form or by post. You may use: “I give notice that I cancel my contract for [product], ordered on [date]. Name: [name]. Address: [address]. Order reference: [reference]. Date: [date].” Sign a paper cancellation form if you use one; you do not have to use this wording or a particular form. It is sufficient to send your cancellation before the deadline expires. We will acknowledge an online cancellation without delay in a form you can retain.

For downloaded or streamed digital content, we may ask for your express consent to start supplying it during the cancellation period and your acknowledgement that your cancellation right will be lost once supply begins. We will record and confirm that agreement. Merely accepting these general terms does not provide that consent.

For services started during the cancellation period at your express request, a lawful proportionate charge may be payable for work supplied before cancellation. The right to cancel a fully performed service is lost only where the required consent and acknowledgement have been obtained.

For cancellation under the cooling-off right, we reimburse the payments due back to you without undue delay and within 14 days after being informed of your decision, subject only to any lawful charge for services already supplied at your express request. We use the original payment method unless you expressly agree otherwise, and charge no refund fee. Separate statutory remedies for a defective supply follow their applicable time limits.

Faulty or misdescribed digital content, and services not provided with reasonable care and skill, carry separate statutory remedies. Contact us so we can arrange the appropriate repair, replacement, repeat performance, price reduction or refund. These terms do not replace or restrict those rights. We do not impose a contractual short deadline that removes a consumer remedy for failing to report a fault. Where faulty digital content damages your device or other digital content because we failed to exercise reasonable care and skill, your statutory right to repair or compensation also remains available.

7. Accounts and acceptable use

Keep account details accurate and credentials secure. Only access data and accounts you are entitled to use. Do not interfere with our systems, bypass access controls, upload unlawful material or use our products to harass or discriminate. Organisations are responsible for managing their authorised users and permissions.

We may suspend access where reasonably necessary to address a security risk, unlawful use or a serious breach. We will explain the reason and give an opportunity to resolve it where appropriate, unless doing so would create a security risk or breach the law. If we permanently discontinue a prepaid service without your fault, we will refund the unused prepaid period or provide another remedy agreed with you.

8. Liability and the fee cap

8.1 Rights that remain protected. Nothing in this agreement excludes or limits liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot lawfully be excluded or limited. Nothing limits a regulator's powers or a person's statutory data-protection rights where the law does not permit that limitation.

8.2 Monthly or annual payable fees. Subject to sections 8.1 and 8.3, our total aggregate liability to you arising out of or in connection with the affected product under the contract is limited to the fees payable for one monthly billing period for a monthly plan, or one annual billing period for an annual plan. The fee is the contractual fee, including applicable VAT and agreed discounts, for the billing period in which the first event giving rise to the claim occurred. For an annual plan paid in instalments, it is the annual fee, not a single instalment. The cap is not multiplied by the number of users, claims or legal grounds and does not reset on renewal of the same contract. If a claim concerns more than one separately charged product, the relevant fees for those affected products are added; unrelated purchases are excluded.

8.3 Consumers. We are responsible for foreseeable loss caused by our breach or failure to use reasonable care and skill. The cap in section 8.2 applies only to liability that can lawfully and fairly be limited. In particular, it does not restrict rights or remedies under the Consumer Rights Act 2015 for digital content or services, including any entitlement to recover the full price paid where the law provides that remedy. It does not remove statutory cancellation or refund rights. A contractual refund expressly promised elsewhere in these terms is also payable notwithstanding the cap.

8.4 Scope. Where legally effective, the cap covers liability in contract, tort (including negligence), misrepresentation other than fraudulent misrepresentation, breach of statutory duty and otherwise. It applies to contractual confidentiality and data-processing claims between the parties only to the extent the law permits. For a one-off purchase, our total aggregate liability arising out of or in connection with that purchase is limited to the fee payable for that purchase, including applicable VAT and agreed discounts, subject to sections 8.1 and 8.3. This cap is not multiplied by the number of claims or legal grounds.

8.5 Business losses. For business customers only, and subject to section 8.1, we exclude liability for indirect or consequential loss. Separately, we exclude loss of profit, revenue, anticipated savings, business opportunity or goodwill, whether direct or indirect, to the extent the law permits. For consumers, products bought for personal use do not carry responsibility for business losses. These provisions do not make a consumer's personal loss a business loss merely because it has financial consequences.

8.6 Application. Any applicable statutory requirement of reasonableness or fairness continues to apply to these provisions. The cap does not reduce your agreed payment obligations or entitle either party to recover the same loss twice.

9. Changes, complaints and law

We may update these terms for future orders. For an ongoing service, we will explain material changes in advance and any available right to end the service before they take effect. We will not retrospectively remove accrued rights.

Please contact us first if something is wrong, with the product name, reference and outcome you are seeking. We will investigate and explain our response. Where applicable, our final complaint response will identify a relevant alternative dispute-resolution body and state whether we are required or willing to use it. This does not prevent either party from seeking a remedy in court. These terms are governed by the law of England and Wales. For business customers, the courts of England and Wales have exclusive jurisdiction, including for non-contractual disputes connected with the agreement. Consumers retain mandatory protections and any right to bring proceedings in the courts available to them where they live.

10. Confidentiality and personal information

Each party must protect the other's information that is identified as confidential or would reasonably be understood to be confidential, and use it only for the agreement. It may be shared with people and service providers who need it for that purpose and are bound by suitable confidentiality duties, or as required by law. This restriction does not apply to information lawfully public, already lawfully held without restriction, independently developed, or lawfully received from another source. The duty continues after the agreement ends while the information remains confidential. We will not use your name or logo as a customer endorsement without permission.

Our privacy notice explains our handling of personal information; it is not a request for blanket consent to processing. Each party must comply with the data-protection obligations applicable to its role. Where we process personal information on a business customer's instructions, appropriate data-processing terms, including processing details and required safeguards, must be agreed before that processing begins. These general terms alone do not replace that agreement.

11. Suspension and ending the agreement

Either party may end the affected agreement by written notice for a material breach that cannot be remedied, or that remains unremedied 14 days after a notice explaining the breach and requesting a remedy. This is additional to cancellation rights in sections 4 and 6 and any right to end the contract under law. Temporary protective suspension under section 7 must be proportionate and must not continue longer than reasonably necessary.

We may end an ongoing service for non-payment after notifying you of the overdue amount and giving a reasonable opportunity to pay or resolve a genuine dispute. We may discontinue an ongoing service without your breach by giving at least 30 days' notice and refunding any prepaid amount for the period we will not supply. Shorter notice may be necessary where continued supply would be unlawful or creates a serious security risk; that does not remove applicable refund rights.

When an agreement ends, access ends as stated in the relevant cancellation or termination notice. Amounts properly due for supply already made remain payable, subject to any right of refund or set-off. Where the service holds your content, its export, account-closure and retention arrangements govern its return and deletion; we will provide a reasonable opportunity to retrieve it where lawful and practicable. Accrued rights and provisions intended to continue, including confidentiality and liability, survive. We will not exercise a termination or suspension right where insolvency legislation prohibits it.

12. Events outside reasonable control

A party affected by an event outside its reasonable control must promptly explain the effect, take reasonable steps to reduce disruption and resume performance as soon as reasonably possible. To the extent permitted by law, it is not liable for delay or failure directly caused by that event despite those steps. This does not excuse a failure to take reasonable protective measures or pay amounts already due. If substantial disruption continues for 30 days, either party may end the affected service by written notice; we will refund prepaid charges for supply not provided. Consumers retain any right to cancel earlier or obtain another statutory remedy.

13. Notices and administration

You can send notices through our contact form or by post to our registered office, identifying the account or order. We will send material contractual notices to your account contact address or another address agreed with you in a form you can retain; posting a change on a website alone is not a substitute where direct notice is required. Keep your contact details current. A statutory cancellation sent within its deadline remains valid even if our acknowledgement arrives later. These arrangements do not replace court rules for serving proceedings.

Neither party may transfer its obligations to another person without the other's written agreement, except that HuBelor may transfer an agreement as part of a business transfer if this does not reduce your contractual protections. We will notify you; a consumer may end an ongoing agreement and receive a refund for the unprovided period if the transfer materially disadvantages them. We may use subcontractors while remaining responsible for our contractual obligations.

A delay in exercising a right does not by itself waive it. If a provision is unenforceable, the remaining provisions continue so far as they can operate lawfully; this does not authorise rewriting an unfair consumer term to make it binding. No person other than the contracting parties has a right to enforce this agreement under the Contracts (Rights of Third Parties) Act 1999, without affecting rights available independently of that Act. The agreement does not create a partnership or agency.

Each party must comply with laws applicable to its performance and use of the service, including applicable anti-bribery, anti-fraud and tax-evasion laws. Nothing requires you to waive a legal right to report misconduct or cooperate with an authority.