Disclaimer

1. No Financial Advice

Nothing on this website — and nothing in any analytical output, report, briefing, or communication produced by HRB GROUP LTD® — constitutes:

• financial advice
• investment advice
• a financial promotion
• a prospectus
• a recommendation
• regulated research
• a regulated benchmark
• any communication within the scope of the Financial Services and Markets Act 2000

All HRB outputs are structural, strategic, and intelligence-based. They are not transactional, predictive, or market-moving in nature and must not be interpreted as signals, forecasts, or inducements to act.

2. No Warranty

All analytical work produced by HRB reflects the practice's assessment at the time of production, based on information available at that time.

HRB GROUP®:

• makes no representation or warranty as to accuracy, completeness, or suitability
• does not guarantee any particular outcome from acting on its work
• does not warrant that analytical outputs will remain valid as conditions evolve

Structural intelligence involves judgment under uncertainty. HRB's frameworks, indices, and assessments are non-deterministic and should not be construed as predictions of future events.

3. No Liability

To the fullest extent permitted by law, HRB GROUP LTD® excludes all liability for any loss or damage arising from:

• use of this website
• reliance on any content contained within it
• reliance on any analytical output, briefing, or communication

This includes, without limitation:

No duty of care is owed to any person unless expressly established in a signed written engagement agreement.

4. Forward-Looking Statements

HRB's analytical outputs may contain forward-looking statements, structural assessments, or scenario analyses. These are expressions of analytical judgment and not:

• predictions
• forecasts
• guarantees
• assurances of future conditions

Actual outcomes may differ materially from those assessed.

5. Third-Party Information

Where HRB references third-party data, research, or publications, reasonable care is taken to ensure accuracy. HRB GROUP® accepts no responsibility for errors in third-party sources. References to third-party material do not constitute endorsement.

6. Jurisdiction

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

7. Contact

For any query regarding this Disclaimer, contact: