Habio

Legal

Terms of Service

Last updated: 5 November 2026

Welcome to Habio. By accessing or using our website at habio.ai(the “Service”), you agree to be bound by these Terms of Service. If you do not agree, please do not use the Service.

1. Who we are

Habio is an AI-first international property discovery product operated by Habio Ltd, a company registered in England and Wales under company number 17420351, with its registered office at Studio 19, 113 Liverpool Road, Liverpool, United Kingdom, L23 5TD. We help buyers discover homes for sale across international markets.

2. What Habio provides

Habio helps you discover homes for sale through natural-language search, lifestyle matching, listings sourced from third parties, and information pages about locations. Habio is not a party to any property transaction. We do not represent buyers or sellers, and we do not provide legal, financial, tax, or investment advice.

3. Listings and third-party content

Property listings, photos, prices, and descriptions are supplied by agents, owners, or other third-party sources. We aim to keep this information accurate and current, but we do not warrant it. Always verify details directly with the listing agent or owner before making any decision.

4. Acceptable use

You agree not to:

  • scrape, copy, or republish content from Habio without permission;
  • interfere with the operation of the Service or attempt to access it through automated means without our written consent;
  • submit false, misleading, or unlawful enquiries; or
  • use Habio to violate any applicable law.

5. Enquiries

When you submit an enquiry, we share the details you provide with the relevant listing agent or owner so they can respond. See our Privacy Policy for how we handle your personal data.

6. Currency transfer introductions (MSB)

Habio has a referral arrangement with MSB (trading as MSB Foreign Exchange, msb-fx.com), an independent foreign-exchange and international payments provider. If you buy, or are thinking of buying, a property abroad, we may offer to introduce you to MSB so you can get a quote for moving your money. By using these features you accept the following:

  • It is always optional. You are never required to use MSB, to tick the box on an enquiry form or to submit a currency-transfer form in order to enquire about a property or use any other part of the Service. The tick box is unticked by default.
  • What we share, and only with your consent.If you tick the box on a property enquiry (“Send me details of how Habio’s partner MSB can save me money on any international purchase”) or submit a currency-transfer form, we pass your name, email address and phone number (if given), the property you were looking at and the details of the transfer you told us about (such as amount and currencies) to MSB so that they can contact you. We do not pass on the message you send to a listing agent. If you do not tick the box or submit the form, your details are not shared with MSB.
  • We may be paid. Habio may receive a referral fee or commission from MSB if you become their customer. Habio does not charge you for the introduction.
  • MSB is independent.MSB is a separate company. Any service, quote, exchange rate, fee or contract is between you and MSB, on MSB’s own terms and under MSB’s own regulatory permissions. Habio is not a party to it, does not act for you or for MSB, and is not responsible for MSB’s rates, service or conduct. Read MSB’s terms before you decide to use them.
  • No advice, no guarantee. Habio is not a currency broker, does not give financial advice and does not recommend when to transfer or what rate to accept. Information on Habio about exchange rates or possible savings is general and indicative only; exchange rates change constantly and any saving depends on the rate you are quoted, the amount and your own circumstances. You are free to compare other providers.
  • Stopping. You can ask MSB to stop contacting you at any time, or email hello@habio.ai and we will pass your request on and stop sharing your details.
  • Beware payment fraud. Before sending a deposit or purchase funds, confirm the receiving account details by telephone with your lawyer or agent, using a number you have found independently.

See our Privacy Policy for how MSB and Habio handle your personal data.

7. Intellectual property

The Habio name, logo, design, code, and original content are owned by us or our licensors. You may not use them without permission.

8. Disclaimers

The Service is provided “as is” without warranties of any kind. To the fullest extent permitted by law, we disclaim all implied warranties, including merchantability, fitness for a particular purpose, and non-infringement.

9. Limitation of liability

To the fullest extent permitted by law, Habio and its operators are not liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or data, arising from your use of the Service.

10. Changes

We may update these Terms from time to time. Material changes will be reflected by updating the “Last updated” date above. Continued use of the Service after a change constitutes acceptance.

11. Governing law

These Terms are governed by the laws of England and Wales. The courts of England and Wales have exclusive jurisdiction over any dispute arising from them.

12. Contact

Questions about these Terms? Email hello@habio.ai, or write to Habio Ltd, Studio 19, 113 Liverpool Road, Liverpool, United Kingdom, L23 5TD.