Terms & Conditions

 

Last updated: June 2026

Welcome to the HM Associates website (“the Site”). By accessing or using this Site, you agree to be bound by these Terms & Conditions and our Privacy Policy. If you do not agree with any part of these terms, please discontinue use of the Site.

The terms “we”, “us”, and “our” refer to HM Associates. The term “you” refers to any visitor, user, or viewer of the Site.

1. Use of This Website

You may use this Site for lawful purposes only. The content on this Site is provided for general information and educational purposes. We may update, modify, or remove content at any time without notice.

You are responsible for ensuring that any information, products, or services available through this Site meet your specific requirements.

2. Intellectual Property

Unless otherwise stated, all content on this Site — including text, design, layout, graphics, logos, and downloadable materials — is owned by or licensed to HM Associates.

You may not reproduce, distribute, modify, or republish any content without our prior written permission, except for personal, non‑commercial use.

All trademarks reproduced on this Site that are not our property are acknowledged.

3. Accuracy and Disclaimer

We aim to provide accurate, up‑to‑date information, but we make no warranties or guarantees regarding:

  • accuracy

  • completeness

  • reliability

  • suitability

  • availability

All content is provided “as is” for general guidance only.

Nothing on this Site constitutes professional, legal, financial, or technical advice. You use the information at your own risk.

We expressly exclude liability for any errors, omissions, or inaccuracies to the fullest extent permitted by Hong Kong law.

4. Limitation of Liability

To the maximum extent permitted by law, HM Associates is not liable for:

  • any direct, indirect, incidental, or consequential loss

  • loss of data, revenue, or business

  • errors, interruptions, or delays in the Site

  • reliance on any information provided on the Site

  • third‑party actions, links, or services

Your sole remedy for dissatisfaction with the Site is to stop using it.

5. External Links

This Site may contain links to third‑party websites. These links are provided for convenience only.

We do not endorse, control, or take responsibility for:

  • the content of linked websites

  • their accuracy

  • their privacy practices

  • their security

You access third‑party websites at your own risk.

6. User Submissions

If you submit information through forms on this Site (e.g., newsletter sign‑ups, toolkit downloads, contact forms), you agree that:

  • the information is accurate

  • you have the right to provide it

  • we may use it in accordance with our Privacy Policy

We reserve the right to refuse or remove submissions that are unlawful, offensive, or inappropriate.

7. Course Terms of Use

By enrolling in any HM Associates course, you agree to the following terms:

  • Educational Purpose Only
    Courses are designed to provide general guidance for SME leaders. They do not replace professional, legal, financial, or technical advice.

  • No Guarantees of Outcome
    Every organisation is different. We do not guarantee specific results, performance improvements, or business outcomes.

  • Your Responsibility
    You are responsible for evaluating the suitability of the course content for your organisation and for implementing any actions safely and appropriately.

  • Intellectual Property
    All course materials — including videos, worksheets, downloads, and frameworks — are owned by HM Associates. You may not copy, share, or redistribute them without permission.

  • Third‑Party Platforms
    Courses are delivered through Udemy. Your use of Udemy is subject to Udemy’s own Terms of Use and Privacy Policy.

Updates and Changes
We may update course content from time to time to improve clarity or reflect new practices. Access to updates is governed by Udemy’s policies.

8. Privacy and Data Protection

Your use of this Site is also governed by our Privacy Policy, which explains how we collect, use, store, and protect your personal data.

We comply with the Hong Kong Personal Data (Privacy) Ordinance (PDPO) and follow GDPR‑aligned principles where appropriate.

By using this Site, you acknowledge that you have read and understood our Privacy Policy.

9. Cookie Policy

This Site uses cookies and similar technologies to:

  • improve website performance

  • understand visitor behaviour

  • remember preferences

  • provide a better browsing experience

Cookies may include:

  • essential cookies (required for basic site functionality)

  • analytics cookies (anonymous usage statistics)

We do not use cookies for advertising or cross‑site tracking.

You may disable cookies in your browser settings. Some features may not function properly without cookies.

10. No Warranties

We do not guarantee that:

  • the Site will be available at all times

  • the Site will be free from viruses or harmful components

  • downloads will be error‑free or uninterrupted

You are responsible for using appropriate antivirus and security measures.

11. Governing Law

These Terms & Conditions are governed by the laws of Hong Kong SAR. Any disputes arising from your use of the Site will be subject to the exclusive jurisdiction of the Hong Kong courts.

12. Changes to These Terms

We may update these Terms & Conditions from time to time. Any changes will be posted on this page with an updated “Last updated” date.

Your continued use of the Site constitutes acceptance of the revised terms.

13. Contact Us

If you have any questions about these Terms & Conditions, please contact us:

Email: don@marketevolver.com
Address: HM Associates, 8/D Rialto Mansion, 183 King’s Road, Hong Kong