Terms & Conditions

Humanity In Business Solutions Ltd

Effective: October 2026

Applies to: humanityinbusiness.com

1. Definitions

In these Terms and Conditions the following definitions apply:

2. Scope and acceptance

These Terms apply to your use of the Website. By accessing the Website, you agree to these Terms in full. Engagements with HIBS are governed by a separate written agreement.

Where you accept these Terms on behalf of a company, partnership, or other legal entity, you represent and warrant that you have authority to bind that entity. References to "you" in these Terms include that entity.

These Terms should be read alongside our Privacy Policy and Cookie Policy, both available at humanityinbusiness.com. In the event of conflict between these Terms and any additional written agreement between you and HIBS, the additional written agreement will prevail.

3. Intellectual property

3.1 HIBS intellectual property

HIBS owns all intellectual property rights in the Website, its methodologies and frameworks, and all Content. Nothing in these Terms grants you any licence or right to use HIBS intellectual property except as expressly permitted.

3.2 Feedback and suggestions

If you provide feedback, suggestions, or ideas about the Website or HIBS's services, you grant HIBS a worldwide, irrevocable, royalty-free licence to use that feedback without restriction or compensation to you. Do not submit feedback that you consider to be your confidential intellectual property without first agreeing confidentiality terms with us.

4. Data protection and privacy

Our collection and use of personal data is governed by our Privacy Policy, available at humanityinbusiness.com/privacy. By using the Website you acknowledge that you have read and understood the Privacy Policy.

HIBS processes personal data in accordance with EU GDPR and, for users in the United Kingdom, UK GDPR. Our registered address is in Bulgaria and we are subject to supervision by the Commission for Personal Data Protection of Bulgaria.

5. Independence statement and limitation of liability

5.1 Independence statement

Humanity In Business Solutions Ltd is an independent Governance Architecture practice. Its work spans advisory, architecture, solutions and assurance.

We do not act as legal counsel. Nothing published on the Website constitutes legal advice. We do not provide regulated financial advice and are not authorised or regulated by any financial regulator in any jurisdiction.

Content on the Website is general information about HIBS and its work. It does not constitute a formal audit opinion, a certification, a legal compliance determination, a regulated financial assessment, or advice on your circumstances.

For independent legal, financial, or regulatory advice, please consult a qualified practitioner authorised to provide such services in your jurisdiction.

5.2 Disclaimer of warranties

The Website and all Content are provided on an "as is" and "as available" basis. To the fullest extent permitted by applicable law, HIBS disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, completeness, and non-infringement.

HIBS does not warrant that:

• The Website will be available on an uninterrupted, timely, or error-free basis.
• Content will be complete, current, or applicable to your specific circumstances.

5.3 Limitation of liability

To the fullest extent permitted by applicable law, HIBS's total aggregate liability to you for all claims arising out of or related to these Terms or the Website, regardless of the form of action, shall not exceed the greater of:

• The total fees paid by you to HIBS in the twelve months preceding the claim; or
• USD 500.

HIBS shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, loss of data, loss of business opportunity, or reputational harm, even if advised of the possibility of such damages.

Nothing in these Terms limits or excludes HIBS's liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by applicable law.

5.4 Insurance

HIBS maintains active Financial Loss Insurance, General Liability Insurance (including product liability), and First-Party Cyber and Data Risks Insurance. Details of coverage are available on request and are listed on our Impressum page.

5.5 Indemnification

You agree to indemnify, defend, and hold harmless HIBS and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or related to:

• Your breach of these Terms.
• Your misuse of the Website or its Content.
• Your violation of any applicable law or third-party rights.

6. Third-party services

The Website relies on third-party services to operate, listed in our Privacy Policy. HIBS is not responsible for the availability, accuracy, or performance of these third-party services beyond our reasonable control.

The Website may contain links to third-party websites. These links are provided for convenience only. HIBS does not endorse, control, or accept responsibility for the content of third-party websites. You access third-party sites at your own risk.

7. Confidentiality

Each party agrees to treat as confidential all information received from the other party that is designated as confidential or that a reasonable person would understand to be confidential given its nature and the circumstances of disclosure ("Confidential Information").

Confidential Information may only be disclosed: (a) to employees, contractors, or agents who need to know it and who are bound by confidentiality obligations at least as protective as those in these Terms; (b) where required by law, regulation, or court order, in which case the disclosing party will, where legally permitted, provide prior notice; or (c) with the prior written consent of the other party.

Confidentiality obligations do not apply to information that: (i) is or becomes publicly available through no fault of the receiving party; (ii) was already known to the receiving party without restriction; (iii) is independently developed without reference to the other party's Confidential Information; or (iv) is received from a third party without restriction.

8. Force majeure

Neither party shall be liable for any failure or delay in performing its obligations under these Terms where such failure or delay results from circumstances beyond the affected party's reasonable control, including but not limited to: natural disasters, epidemics, government actions, sanctions, embargoes, power or telecommunications failures, cyberattacks, denial-of-service attacks, or the failure of third-party service providers. The affected party shall use reasonable efforts to mitigate the impact and shall resume performance as soon as practicable. If a force majeure event continues for more than 60 days, either party may terminate these Terms by written notice.

9. Changes to these Terms

HIBS may update these Terms from time to time to reflect changes in the Website, applicable law, or our business operations. Material changes take effect when they are published on this page.

Your continued use of the Website after updated Terms take effect constitutes acceptance of the revised Terms.

The current version of these Terms is always available at humanityinbusiness.com/terms.

10. General provisions

10.1 Entire agreement

These Terms, together with our Privacy Policy, Cookie Policy, and any additional written agreement between you and HIBS, constitute the entire agreement between the parties in relation to their subject matter and supersede all prior representations, agreements, and understandings.

10.2 Severability

If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect.

10.3 Waiver

Failure to enforce any provision of these Terms on any occasion shall not constitute a waiver of that provision or of any other provision.

10.4 Assignment

You may not assign, transfer, or sub-contract any of your rights or obligations under these Terms without HIBS's prior written consent. HIBS may assign its rights and obligations under these Terms in connection with a merger, acquisition, or sale of all or substantially all of its assets, provided that the assignee assumes all obligations under these Terms.

10.5 Electronic communications

Communications between you and HIBS may be conducted electronically. You agree that electronic communications satisfy any legal requirement for written communication. Notices to HIBS should be sent to info@humanityinbusiness.com. Notices to you will be sent to the email address you have provided to HIBS.

10.6 Language

These Terms are written in English and shall be interpreted and construed in English. In the event of any translation, the English version prevails.

11. Governing law and jurisdiction

These Terms are governed by the laws of Bulgaria. Subject to the paragraph below, any dispute arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of Sofia, Bulgaria.

Users located in the European Economic Area may also bring proceedings in the courts of their country of residence. Nothing in these Terms affects your rights as a consumer under the mandatory laws of your country of residence, where applicable.

For data protection matters, the supervisory authority is the Commission for Personal Data Protection of Bulgaria (cpdp.bg).

12. Contact information

For all queries relating to these Terms and Conditions:

These Terms and Conditions were last updated in October 2026 and supersede all previous versions. They apply to humanityinbusiness.com.