IMPORTANT NOTICE

This Referral Fee Disclosure (“Disclosure”) explains how referral relationships, referral compensation, referral fees, lead-sharing arrangements, business introductions, affiliate relationships, and related compensation arrangements may operate between LiBe Holdings SAS (“LiBe,” “Company,” “we,” “our,” or “us”), users, customers, brokers, agents, lenders, service providers, affiliates, partners, vendors, and other third parties.

By accessing or using any LiBe website, platform, service, listing, marketing program, lead-generation system, communication channel, or related offering, you acknowledge and agree to this Disclosure.

1. PURPOSE OF REFERRALS

LiBe may facilitate introductions and referrals between users and third parties, including:

• Real estate brokers
• Real estate agents
• Property managers
• Mortgage lenders
• Banks
• Insurance providers
• Attorneys
• Accountants
• Tax advisors
• Contractors
• Home inspectors
• Appraisers
• Surveyors
• Relocation companies
• Investment professionals
• Property developers
• Marketing providers
• Technology providers
• Other service providers

Such referrals are intended to assist users in identifying service providers that may be relevant to their needs.

2. REFERRAL COMPENSATION DISCLOSURE

LiBe may receive compensation, referral fees, commissions, marketing fees, lead-generation fees, affiliate fees, revenue-sharing payments, or other forms of remuneration from certain third parties.

Likewise, LiBe may pay referral compensation to certain parties where permitted by applicable law.

Compensation may be based upon:

• Introductions
• Leads
• Completed transactions
• Closed sales
• Service purchases
• Marketing arrangements
• Affiliate programs
• Other lawful business relationships

The existence of compensation does not necessarily increase the cost paid by the user, although compensation structures may vary.

3. NO GUARANTEE OR ENDORSEMENT

The fact that LiBe refers a user to a third party does not constitute:

• A recommendation
• A certification
• An endorsement
• A guarantee
• A warranty
• A representation of quality
• A representation of competence

Users remain solely responsible for evaluating third parties.

LiBe does not guarantee:

• Professional qualifications
• Licensing status
• Service quality
• Business performance
• Financial condition
• Results obtained

4. NO AGENCY RELATIONSHIP CREATED

Referral arrangements do not create:

• Agency relationships
• Fiduciary relationships
• Employment relationships
• Partnership relationships
• Joint ventures

between LiBe and referred parties unless expressly stated in a separate written agreement.

5. NO REPRESENTATION OF USERS

LiBe Holdings SAS does not represent users solely because:

• A referral was provided.
• An introduction was made.
• A lead was transferred.
• A service provider was suggested.

Representation relationships, if any, require separate written agreements.

6. LICENSING AND REGULATORY COMPLIANCE

Referral fees shall only be paid or received where permitted by applicable law.

LiBe reserves the right to:

• Refuse compensation
• Modify referral arrangements
• Terminate referral arrangements
• Restrict referrals

where regulatory requirements require such action.

Users acknowledge that referral laws vary significantly among jurisdictions.

7. REAL ESTATE REFERRALS

Real estate referrals may involve licensed brokers, agents, brokerages, or other professionals.

Where required by law:

• Referral compensation may be limited.
• Referral compensation may require licensure.
• Referral compensation may require disclosures.
• Referral compensation may require written agreements.

LiBe intends to comply with applicable legal requirements governing real estate referrals.

8. MORTGAGE AND FINANCIAL REFERRALS

Certain financial services are regulated by local laws.

Users acknowledge that:

• Financing approval is not guaranteed.
• Loan availability is not guaranteed.
• Interest rates are not guaranteed.
• Referral relationships do not affect underwriting decisions.

9. INVESTMENT REFERRALS

Where users are introduced to investment-related opportunities or service providers:

• LiBe is not acting as an investment advisor.
• LiBe is not guaranteeing performance.
• LiBe is not guaranteeing returns.
• LiBe is not recommending securities unless separately authorized and licensed.

All investment decisions remain the responsibility of the user.

10. INTERNATIONAL APPLICABILITY

Referral laws differ among:

• United States
• Puerto Rico
• Canada
• Mexico
• Central America
• South America
• Caribbean jurisdictions

Users acknowledge that local laws may impose:

• Licensing requirements
• Disclosure requirements
• Compensation restrictions
• Consumer protection requirements

LiBe intends to comply with applicable legal requirements in the jurisdictions where it operates.

11. USER DUE DILIGENCE

Users should independently verify:

• Licenses
• Certifications
• Professional qualifications
• Regulatory standing
• Insurance coverage
• Reputation
• Experience

before engaging any referred party.

12. NO LIABILITY FOR THIRD PARTIES

To the fullest extent permitted by law, LiBe shall not be liable for:

• Acts of third parties
• Omissions of third parties
• Professional negligence
• Misrepresentations
• Contract disputes
• Financial losses
• Service failures

arising from relationships between users and referred parties.

13. LIMITATION OF LIABILITY

To the maximum extent permitted by law, LiBe’s liability relating to referrals shall not exceed the amount paid directly to LiBe by the affected user during the twelve (12) months preceding the claim.

LiBe shall not be liable for:

• Indirect damages
• Consequential damages
• Lost profits
• Lost opportunities
• Business interruption

14. MANDATORY LAW SAVINGS CLAUSE

This Disclosure is intended to operate throughout the Americas.

Where local law grants rights, protections, restrictions, disclosures, or obligations that cannot legally be waived, those provisions shall apply.

All remaining provisions shall remain enforceable to the fullest extent permitted by law.

15. GOVERNING LAW

This Disclosure shall be governed by the laws of the Republic of Colombia.

16. JURISDICTION

Except where prohibited by mandatory law, disputes relating to this Disclosure shall be subject exclusively to the courts located in:

Barranquilla, Atlántico, Colombia.

LiBe Holdings S.A.S.

NIT: 902-043-981

Barranquilla, Atlántico, Colombia

Puerto Rico Real Estate Broker License: C-17849

All legal notices, compliance inquiries, complaints, and requests should be submitted to:

legal@letslibe.com

Last Updated: September 7, 2026