Including but not limited to

what does this actually mean?

It means that the things named are part of something larger, and the larger thing may also have other parts. For example, the alphabet includes, but is not limited to, the letters A through E, as well as J, K, and W.

"Including but not limited to" is language typically found in contracts. It enables the contract writer to make claims later without having given all details of their description at the time the agreement was made. Sometimes the wording is "including without limitation."

See the meaning of the phrase "Including, but not limited to".