UMMUHUB LTD

TERMS OF SERVICE

Title

Last Updated: 22 March 2026

Company No. 16624424  |  Registered in England & Wales 3rd Floor, 2 Harley Street, London, England, W1G 9PA

Quick-Reference Summary

This summary is for convenience. The full terms below are legally binding.

TOPIC Key Point
Who we are UMMU HUB LTD , the World’s First Female Only Epigenetic Platform. We provide DNA and epigenetic testing, life stage specific supplements, and an AI wellness coach for women.
What you agree to By purchasing a test kit, supplement, or subscription, or by using our App, you agree to these Terms.
Not medical advice Nothing on our platform is medical advice, diagnosis, or treatment. DNA results, epigenetic scores, supplement recommendations, and AI coaching are for general wellness only.
Test kits Physical saliva collection kits. You must follow instructions carefully. Samples cannot be returned once submitted. See Section 5.
Supplements Supplement purchases are governed by standard product sale terms. See Section 6. Always consult a healthcare professional before starting a new supplement, especially during pregnancy.
UMMU AI Coach A wellness AI trained on female genetics and epigenetics. Not a clinician. Not medical advice. Section 7.
Eligibility Account holders must be 18 or over. Services are primarily designed for women. Parents and guardians may manage health tracking for their children, including male children, under their account.
Subscriptions 14 day statutory cooling off right. App Store and Play Store subscriptions managed via Apple and Google. DMCCA 2024 rules expected Autumn 2026. Section 9.
Liability We limit liability as permitted by UK law. We cannot limit liability for death or personal injury from our negligence, fraud, or consumer statutory rights. Section 12.
ADR Centre for Effective Dispute Resolution, CEDR: cedr.com | 020 7536 6000.
Governing law English law. Courts of England and Wales.
Changes 30 days' notice of material changes. Cancel without penalty if you do not accept.

1. About Us and These Terms

UMMU HUB LTD ("UMMU HUB", "we", "us", "our") is a private limited company incorporated in England and Wales, company number 16624424, registered office at 3rd Floor, 2 Harley Street, London, England, W1G 9PA.

 

We operate www.ummuhub.com and a mobile application ("App") trading as "UmmuHub" — the World's First Female-Only Epigenetic Platform. Our Services are primarily designed for women and their specific biology. Parents and guardians may also use the platform to manage health and wellness tracking for their children, including male children, though many of our features are calibrated for female physiology. Our Services comprise:

  • DNA and Epigenetic Test Kits — saliva-based testing analysing genetic traits and epigenetic markers relevant to women's health across Fitness, Fertility, Pregnancy, Post-Partum, and Longevity categories.
  • Re-Test Kits — repeat epigenetic testing to track changes in your biological age over time.
  • Personalised Supplements — life-stage specific formulations (including Pre-Natal, 1st/2nd/3rd Trimester, Post-Natal, Fertility, Longevity, and others) built from your DNA and epigenetic results.
  • UMMU AI Health Coach — an AI wellness coach trained specifically on female genetics, epigenetics, and hormonal patterns.
  • Wellness Subscription — a subscription service providing ongoing access to testing, insights, and supplement protocols.

These Terms of Service ("Terms") govern your use of our website, App, and all Services. By purchasing a product, creating an account, or using any part of our Services, you agree to these Terms. If you do not agree, you must not use the Services.

 

The following documents form part of our agreement with you:

  • Our Privacy Policy (www.ummuhub.com/privacy-policy), incorporated by reference.
  • Any specific subscription plan or product terms presented at the point of purchase.

IMPORTANT: UMMU HUB is not a medical device, does not provide medical advice, and is not a regulated healthcare service. DNA results, epigenetic scores, biological age assessments, supplement recommendations, and AI coaching are for general wellness and informational purposes only. Always consult a qualified healthcare professional about any health concern, particularly regarding fertility, pregnancy, or hormonal health.

2. Eligibility and Account Registration

2.1  Who Can Use Our Services

  • You are at least 18 years old.
  • You are accessing the Services for your own personal wellness as an adult woman, or as a parent or guardian managing health and wellness tracking for a child in your care. Note: the majority of our testing, supplement, and AI coaching features are calibrated for female biology — results and recommendations for male users may have limited applicability for those features.
  • You are legally capable of entering into binding contracts under English law.
  • You are accessing the Services from a jurisdiction where their use is lawful.
  • You have not previously been suspended or removed from our Services.

2.2  Creating an Account

When registering, you agree to provide accurate, current, and complete information; keep your account information up to date; keep your password confidential; not share your account; and notify us at support@ummuhub.com immediately if you suspect unauthorised account use. You are responsible for all activity under your account.

 

2.3  One Account Per Person

You may hold only one active account. Creating multiple accounts to circumvent restrictions or subscription limits is a breach of these Terms.

3. Not Medical Advice — Critical Disclaimer

READ THIS SECTION CAREFULLY. It describes a fundamental limitation on how you may use our Services.

3.1 All Services — including DNA results, epigenetic scores, biological age assessments, Reproductive Biological Age scores, supplement recommendations, UMMU AI coaching, and any other outputs — are for general informational and wellness purposes only.

 

3.2 Nothing on our platform constitutes or should be relied upon as:

  • Medical advice of any kind.
  • A medical diagnosis of any condition, disease, or disorder — including any fertility condition, hormonal disorder, or pregnancy complication.
  • A clinical assessment of your fertility, reproductive health, or biological age for medical purposes.
  • A recommendation for or against any medical treatment, medication, procedure, or contraceptive method.
  • A substitute for consultation with a qualified healthcare professional, midwife, gynaecologist, or specialist.

3.3 Our Biological Age and Reproductive Biological Age scores are wellness metrics derived from epigenetic algorithms. They are not clinical assessments and must not be used to make decisions about fertility treatment, conception, contraception, or obstetric care.

 

3.3a Our Fertility epigenetic category — including Reproductive Biological Age — is not a fertility test and does not predict your ability to conceive. Our Heart Age score is not a diagnosis of heart disease and must not be used to inform decisions about cardiac medication or treatment. Our epigenetic wellness scores are not equivalent to, and must not be treated as substitutes for, clinical blood tests or assessments by a qualified healthcare professional.

 

3.4 Our supplement recommendations are based on your genetic profile and are intended to support general wellness. They are not prescriptions, do not replace medical dietary advice, and must not replace prescription medication or clinical supplementation advice. This is particularly important during pregnancy — always consult your midwife or obstetrician before starting any supplement.

 

3.5 UMMU AI is a wellness tool. It does not have access to your full medical history and cannot assess your individual clinical circumstances. It is not a substitute for clinical consultation.

 

3.6 If you are experiencing a medical emergency, call 999 immediately. If you have health concerns, consult your GP.

 

3.7 UMMU HUB is not regulated by the Medicines and Healthcare products Regulatory Agency (MHRA), the Care Quality Commission (CQC), or any other healthcare regulator.

4. Privacy and Data Protection

The collection, use, and protection of your personal information — including your genetic data, epigenetic data, reproductive health data, and all other health-related data — is governed by our Privacy Policy at www.ummuhub.com/privacy-policy, incorporated into these Terms by reference. In summary:

  • We process genetic and epigenetic data only with your explicit consent.
  • We never use your genetic, epigenetic, fertility, pregnancy, or hormonal data for advertising targeting.
  • We never sell your personal data.
  • Your physical saliva sample is destroyed by our laboratory partner after analysis.
  • You can withdraw consent, request deletion of your data, and exercise all rights in the Privacy Policy at any time.

5. DNA and Epigenetic Test Kits

5.1  What Is Included

Each test kit contains a saliva collection tube, detailed collection instructions, and a pre-paid return envelope (for UK customers; international customers are responsible for return postage). Some kits include access to specific testing categories as set out in the product description at the time of purchase.

 

5.2  Your Obligations

To ensure accurate results, you must:

  • Follow the sample collection instructions carefully, including not eating, drinking, or smoking for 30 minutes before collection.
  • Provide a sufficient saliva sample as instructed.
  • Return the sample within the timeframe specified in the instructions.
  • Ensure the sample is not contaminated.

We cannot be responsible for inaccurate or invalid results caused by failure to follow sample collection instructions correctly.

 

5.3  Sample Processing and Turnaround

DNA results typically take 3–4 weeks from receipt of your sample at the laboratory. Epigenetic results may take up to 8 weeks due to the complexity of the analysis. We will notify you by email when your results are available. These are estimated turnaround times and may vary due to laboratory capacity.

 

5.4  Sample Submissions — No Return

Once you have submitted your saliva sample to the laboratory, it cannot be returned to you. Your physical sample will be destroyed by the laboratory after analysis. You may request a replacement kit free of charge if your sample is lost in transit — contact support@ummuhub.com.

 

5.5  Invalid Samples

If your sample is insufficient or invalid for analysis (due to inadequate volume, contamination, or other laboratory determination), we will notify you and arrange a replacement kit free of charge. We cannot guarantee results for samples that do not meet laboratory quality standards.

 

5.6  Re-Test Kits

Re-Test Kits allow you to submit a further saliva sample to track changes in your epigenetic profile and biological age over time. Re-Test results are compared against your original baseline within your account. Re-Test turnaround times are the same as standard epigenetic testing.

 

5.7  Accuracy of Results

We use accredited laboratory partners and validated genetic and epigenetic analysis methodologies. However, no genetic or epigenetic test is infallible. Results are based on current scientific understanding of the genetic and epigenetic markers we analyse, which continues to evolve. We make no warranty that results will be accurate in all circumstances, and results must not be relied upon for clinical decision-making.

6. Supplements

6.1  Our Supplement Range

Our supplement range includes life-stage specific formulations designed for women: Pre-Natal, 1st Trimester, 2nd Trimester, 3rd Trimester, Post-Natal, Fertility, Longevity, and other formulations. Each formulation is developed from our genetic and epigenetic research and uses clinically studied ingredients.

 

6.2  Important Health and Safety Warnings

Always consult your GP, midwife, or obstetrician before starting any new supplement, particularly during pregnancy, if you are trying to conceive, if you are breastfeeding, or if you are taking prescribed medication. Our supplements are not intended to diagnose, treat, cure, or prevent any disease or medical condition.

Specific warnings:

  • Pregnancy supplements: our trimester formulations are designed to complement — not replace — clinical nutritional guidance during pregnancy. Always discuss your supplement protocol with your midwife or obstetrician.
  • Fertility supplements: our fertility formulations support general reproductive wellness. They are not a fertility treatment and have not been clinically validated to improve conception rates.
  • Drug interactions: some ingredients in our formulations may interact with prescription medications. Consult your GP if you are taking prescribed medication.
  • Allergies: review the full ingredient list before use. If you have known allergies, consult us or your GP.

6.3  Personalised Recommendations

Supplement recommendations generated by our platform are based on your DNA and epigenetic profile. They are for general wellness purposes and do not constitute personalised medical or dietary advice. The same formulation may be recommended to multiple users with similar genetic profiles.

 

6.4  Quality and Ingredients

Our supplements are manufactured using high-quality, clinically studied ingredients from trusted suppliers. All products are manufactured in compliance with applicable UK food supplement regulations. For full ingredient lists and allergen information, refer to the product label and product page on our website.

7. UMMU AI Health Coach

7.1  What UMMU AI Does

UMMU AI is an artificial intelligence wellness coach trained specifically on female genetics, epigenetics, and hormonal patterns. It analyses your genetic results, epigenetic scores, cycle data, and life stage to deliver personalised wellness guidance, answer questions about your results, and help you understand your supplement protocol.

 

7.2  What UMMU AI Does Not Do

UMMU AI is not a clinician. It does not:

  • Provide medical diagnoses or clinical assessments.
  • Have access to your full medical history, current medications, or other clinical information beyond what you share in the App.
  • Replace a GP, midwife, gynaecologist, specialist, or any other qualified healthcare professional.
  • Make decisions about your care — all guidance is informational and for general wellness only.

 

7.3  Accuracy and Limitations of AI Responses

AI-generated responses can be incorrect, incomplete, or inappropriate for your individual circumstances. You must exercise independent judgement when acting on any AI-generated wellness guidance. We are not liable for any harm arising from your reliance on UMMU AI responses for medical, clinical, or safety-critical decisions.

 

UMMU AI is explicitly programmed not to: provide medical diagnoses; recommend or advise against specific prescription medications; advise you to seek or avoid clinical referral on the basis of your epigenetic or genetic scores; or interpret your results in a manner that suggests a clinical condition. If UMMU AI's response ever appears to conflict with advice from your healthcare professional, always follow the advice of your healthcare professional.

 

7.4  AI and Special Category Data

UMMU AI processes your genetic and epigenetic data to generate responses. This involves automated processing of special category data. Under Article 22A UK GDPR (as amended by DUAA 2025), you have the right to request human review of any significant AI-generated output. Contact legal@ummuhub.com.

8. Intellectual Property

8.1  Our Intellectual Property

All intellectual property in the Services — website, App, software, algorithms (including our epigenetic analysis algorithms and female-specific AI models), designs, text, graphics, and branding — is owned by or licensed to UMMU HUB LTD. Nothing in these Terms grants you any ownership rights other than the limited licence in Section 8.2.

 

8.2  Licence to Use the Services

Subject to compliance with these Terms and payment of applicable fees, we grant you a personal, non-exclusive, non-transferable, revocable, limited licence to access and use the Services for your own personal wellness purposes.

 

8.3  Your Data

You retain full ownership of your personal health, genetic, and epigenetic data. By using the Services, you grant us a limited licence to process your data solely to provide the Services to you. This licence terminates when you delete your account and request deletion of your data. We do not claim ownership of your personal data. We will never sell it or use it for advertising.

9. Subscriptions, Pricing, and Payment

9.1  Subscription Plans

We offer free and paid subscription tiers, including our Wellness Subscription which includes a free DNA & Epigenetics test. Features and pricing for each tier are set out on our website. We will give at least 30 days' notice of any material changes to features or pricing.

 

9.2  Pricing

All prices are displayed inclusive of applicable VAT at the time of purchase. For price increases: we give at least 30 days' written notice; increases apply to renewals only, not the current period; you may cancel before a price increase takes effect.

 

9.3  Billing and Payment

Subscription fees are billed in advance on a recurring basis. Payment is processed by our third-party payment processor. If a payment fails, we may retry and may suspend access to paid features until payment is received, with notification to you.

 

Subscription Transparency: Where we offer both subscription and one-time purchase options, neither option is pre-selected by default — you must actively choose your preferred option before adding to cart. The full subscription terms, including renewal period, total cost per period, and how to cancel, are displayed clearly at the point of purchase before you commit. We comply with the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 and DMCCA 2024 requirements for subscription contracts.

 

9.4  Free Trial / Introductory Offer

Where we offer a free trial or introductory offer (including our Free DNA & Epigenetics test with subscription offer), your payment method is charged at the end of the trial/offer period unless you cancel before it ends. We will remind you before charging.

 

Apple App Store / Google Play Store Subscriptions: If you subscribe through the App Store or Google Play Store, all billing, renewals, and cancellations must be managed through your Apple ID or Google account settings at least 24 hours before the end of the current period. See support.apple.com or Google Play Help for instructions. UMMU HUB cannot process refunds or cancellations for App Store / Play Store subscriptions.

 

9.5  DMCCA 2024 Subscription Rules

The Digital Markets, Competition and Consumers Act 2024 introduces enhanced subscription contract rules (mandatory auto-renewal reminders, enhanced cooling-off rights, clearer cancellation processes). These rules are confirmed for Autumn 2026 commencement at the earliest. We are preparing for full compliance and will update these Terms when the date is confirmed. In the meantime, all existing consumer protections apply in full — see Section 15.

10. Cancellation, Refunds, and Statutory Rights

10.1  Statutory 14-Day Cooling-Off Right

Under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, you have a 14-day right to cancel a subscription or digital service contract from the date you entered into it. If you exercise this right, you will receive a full refund of any subscription fee paid.

To cancel within 14 days: email legal@ummuhub.com with subject "Cancellation Notice" or use the cancellation function in your account settings. We will process your refund within 14 days of receiving your cancellation notice.

 

Note: The 14-day right applies to subscriptions and digital services. Physical test kit orders: once you have returned your saliva sample to the laboratory, the testing service has commenced and cancellation rights for that service are extinguished. See Section 10.4 for test kit returns.

 

App Store / Play Store Subscriptions: Your statutory 14-day cancellation rights still apply, but refunds will be processed through Apple / Google according to their respective refund policies.

 

10.2  Cancelling After the Cooling-Off Period

You may cancel your subscription at any time through account settings or by contacting us. Cancellation takes effect at the end of your current billing period. No refund is given for the remainder of the current billing period, except as set out in Sections 10.3 and 10.4.

 

10.3  Refunds for Service Failures

Under the Consumer Rights Act 2015, if we fail to provide the Services with reasonable care and skill and fail to remedy that failure within a reasonable time, you may be entitled to a price reduction or full/partial refund. Contact legal@ummuhub.com.

 

10.4  Test Kit Returns and Refunds

Physical test kits (unopened): you may return an unopened test kit within 14 days of receipt for a full refund, in accordance with your statutory cancellation rights under the Consumer Contracts Regulations 2013.

 

Opened test kits / submitted samples: once you have opened the sealed sample collection tube or submitted your saliva sample, the kit cannot be returned and the testing service is considered commenced. No refund is available for commenced testing services, except where we have failed to deliver results within a reasonable time or where results are invalid for reasons within our control.

 

Supplements (unopened): subject to our returns policy as described on our website. Supplements that have been opened cannot be returned for hygiene reasons, unless faulty or misdescribed.

 

10.5  Cancellation Due to Our Changes

If we make a material change to the Services or increase prices and you do not accept the change, you may cancel within 30 days of notice of the change. We will provide a pro-rata refund of any prepaid fees for the unused period.

11. Acceptable Use

11.1  Permitted Use

You may use our Services solely for lawful, personal, non-commercial wellness purposes, in accordance with these Terms.

 

11.2  Prohibited Conduct

You must not:

  • Provide a saliva sample that is not your own, or misrepresent whose sample you are submitting.
  • Submit a saliva sample on behalf of any other person, including a child, unless you are that person's parent or legal guardian and have given explicit consent on their behalf. As account holder, you take full responsibility for any sample submitted on behalf of a child in your care.
  • Use the Services to make clinical, diagnostic, or treatment decisions without independent medical advice.
  • Violate any applicable law or regulation.
  • Attempt to gain unauthorised access to our systems or other users' accounts.
  • Reverse engineer, decompile, or disassemble any part of the Services, including our AI models or genetic algorithms.
  • Resell, sublicense, or commercially exploit the Services without our prior written consent.
  • Use automated tools to scrape or extract data from the Services.
  • Introduce viruses or other harmful code.

12. Limitation of Liability

This section limits our liability. It does not affect your statutory consumer rights or any liability that cannot be limited under UK law.

12.1 Nothing in these Terms limits or excludes our liability for:

  • Death or personal injury caused by our negligence.
  • Fraud or fraudulent misrepresentation.
  • Breach of your statutory rights under the Consumer Rights Act 2015.
  • Any other liability that cannot be excluded or limited under applicable UK law.

 

12.2 Subject to clause 12.1, we are not liable for:

  • Any harm arising from your reliance on DNA results, epigenetic scores, biological age assessments, supplement recommendations, or AI coaching for medical, clinical, or safety-critical decisions.
  • Any harm arising from failure to follow supplement safety warnings, particularly during pregnancy.
  • Inaccurate results caused by failure to follow sample collection instructions.
  • Loss of profits, revenue, or business; loss of data; indirect or consequential losses.
  • Delays in test result delivery caused by laboratory capacity, sample quality issues, or circumstances beyond our reasonable control.

 

12.3 Subject to clause 12.1, our total aggregate liability to you in any 12-month period shall not exceed the greater of: (a) the total fees you paid to us in the 12 months preceding the claim; or (b) £100.

 

12.4 We are not liable for failure or delay caused by circumstances beyond our reasonable control, including laboratory partner delays, courier failures, force majeure, or third-party API outages.

13. Suspension and Termination

13.1  Termination by You

You may close your account at any time through account settings or by contacting support@ummuhub.com. Any in-progress test kit orders will be fulfilled. Your subscription continues until the end of the current billing period unless you are entitled to a refund under Section 10.

 

13.2  Termination by Us

We may suspend or terminate your access if you materially breach these Terms (with 14 days to remedy if capable of remedy); we reasonably suspect fraud or illegal activity; or we are required to do so by law. If we discontinue the Services entirely, we will give at least 30 days' notice and a pro-rata refund.

 

13.3  Effect of Termination

On termination, your licence to use the Services ends immediately. We retain your data per our Privacy Policy. Your UK GDPR rights regarding data deletion are unaffected. Upon account closure, you may request permanent deletion of your personal data (including all genetic and epigenetic results) within 30 days per our Privacy Policy. Contact privacy@ummuhub.com to initiate deletion. Apple App Store and Google Play Store users may also use native store account deletion APIs where available (iOS 16+ and Android 12+).

14. Changes to These Terms

Where a change is material, we will give you at least 30 days' written notice by email or in-app notification, explain what is changing and why, and give you the option to cancel without penalty. Non-material changes may be made without notice, though we will update the "Last Updated" date. Continued use after the effective date of a change constitutes acceptance.

15. Your Statutory Consumer Rights

These Terms do not limit or exclude your statutory rights:

  • Services must be provided with reasonable care and skill (Consumer Rights Act 2015, s.49).
  • Physical goods (test kits, supplements) must be of satisfactory quality, fit for purpose, and as described (Consumer Rights Act 2015, ss.9-11).
  • You have a 14-day right to cancel distance contracts (Consumer Contracts Regulations 2013).
  • Consumer protection from unfair trading practices applies (DMCCA 2024, Part 4, Chapter 1 — in force 6 April 2025). Drip pricing prohibitions are in force: the total price at checkout reflects all mandatory fees.
  • DMCCA 2024 enhanced subscription contract rules (renewal reminders, enhanced cancellation rights): expected Autumn 2026 commencement. We will update these Terms when confirmed.

For more information about your consumer rights: citizensadvice.org.uk | 0808 223 1133

16. Governing Law and Dispute Resolution

16.1  Governing Law

These Terms are governed by the law of England and Wales.

 

16.2  Jurisdiction

The courts of England and Wales have exclusive jurisdiction to settle any dispute, subject to Section 16.4.

 

16.3  Alternative Dispute Resolution

If you have a complaint, contact us first at legal@ummuhub.com. We acknowledge within 5 working days and aim to resolve within 30 days. If we cannot resolve it, you may refer the dispute to:

 

Centre for Effective Dispute Resolution (CEDR)

100 St Paul's Churchyard, London, EC4M 8BU

Tel: 020 7536 6000  | cedr.com/consumer

 

CEDR is an approved ADR body under the Alternative Dispute Resolution for Consumer Disputes Regulations 2015. We agree to engage with CEDR's consumer ADR process. Use of CEDR is voluntary for you and does not affect your right to bring court proceedings.

 

16.4  Consumer Statutory Rights

Nothing in these Terms affects your right as a consumer to bring a claim in the courts of England and Wales, Scotland, or Northern Ireland in accordance with your statutory rights.

17. General Provisions

Entire Agreement: These Terms, the Privacy Policy, and any specific product/subscription terms constitute the entire agreement between you and UMMU HUB relating to the Services.

 

Severability: If any provision is unenforceable, it will be modified to the minimum extent necessary, or severed if modification is not possible. Remaining provisions continue in full force.

 

No Waiver: Our failure to enforce any provision does not constitute a waiver. Any waiver must be in writing.

 

Assignment: We may assign our rights to a successor in connection with a merger or acquisition, provided the successor assumes our obligations. You may not assign your rights without our prior written consent.

 

Notices: All legal notices to us: 3rd Floor, 2 Harley Street, London, England, W1G 9PA or legal@ummuhub.com. We send notices to your account email address.

 

Third Party Rights: No third party has any right to enforce these Terms under the Contracts (Rights of Third Parties) Act 1999, except where expressly stated.

 

Complaints Procedure:

  • Data protection complaints: privacy@ummuhub.com — subject "Data Protection Complaint".
  • Service or product complaints: legal@ummuhub.com — subject "Service Complaint".
  • We acknowledge within 5 working days and respond within 30 days.
  • Unresolved complaints: refer to CEDR — see Section 16.3.

18. CONTACT US
Company UMMU HUB LTD
Company Number 16624424
Registered Address 3rd Floor, 2 Harley Street, London, England, W1G 9PA
Legal / Terms legal@ummuhub.com
Data Protection / Privacy privacy@ummuhub.com
Customer Support support@ummuhub.com
Website www.ummuhub.com
ADR Body Centre for Effective Dispute Resolution, CEDR | cedr.com | 020 7536 6000
Title

These Terms of Service were last reviewed and approved on 22 March 2026. © 2026 UMMU HUB LTD. All rights reserved. Registered in England and Wales, company number 16624424.

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