Toolkit Terms of Use

By downloading or using any HM Associates toolkit, you agree to the following terms:

• Educational Use Only 
  Toolkits provide general guidance and quick‑win actions for SMEs. They are not professional, legal, financial, or technical advice.

• No Liability 
  HM Associates is not responsible for any decisions, actions, or outcomes resulting from the use of these toolkits.

• No Redistribution 
  Toolkits are for your personal or organisational use only. You may not copy, publish, or distribute them without written permission.

• Accuracy and Updates 
  We aim to keep our toolkits accurate and up to date, but we make no warranties regarding completeness, suitability, or accuracy. Content may be updated without notice.

Your Responsibility
Always assess whether the actions or recommendations in the toolkit are appropriate for your organisation and seek professional advice where necessary.