Effective Date: July 2, 2025
Welcome to HSM Enterprises Company! By accessing or purchasing from our website(s) (the “Site”), you agree to be bound by the following Terms and Conditions. If you do not agree with these terms, please do not use our Site.
1. Use of the Site
You must be at least 18 years old or have the permission of a legal guardian to use our services. You agree to use this site for lawful purposes only.
2. Digital Products
All products sold through our website are digital and delivered electronically. No physical items will be shipped.
After purchase, you will receive an email with download instructions or gain access through a customer portal.
3. Payment & Pricing
All prices are listed in USD and are subject to change without notice. Payment must be made in full at the time of purchase.
We use secure third-party payment processors (e.g., Stripe, PayPal). By purchasing a product, you agree to the terms of those payment providers.
4. Refund Policy
Unless otherwise stated on the product page, all digital product sales are final due to the nature of immediate delivery.
However, we do offer a 14-Day satisfaction guarantee. If you’re unhappy with your purchase, contact us at our contact page within 14 days of purchase for a full refund.
5. Intellectual Property
All content on this site—including ebooks, videos, PDFs, templates, and branding—is the intellectual property of HSM Enterprises Company and is protected by copyright laws.
You may not reproduce, distribute, resell, or exploit our materials in any way unless you receive prior written permission.
Your purchase grants you a personal, non-transferable license to use the material for your own use only.
6. Affiliate Disclosure
We may include affiliate links to third-party products or services. If you click and purchase through these links, we may earn a commission—at no additional cost to you. We only recommend products we genuinely believe in.
7. Limitation of Liability
To the fullest extent permitted by law, HSM Enterprises Company shall not be liable for any damages arising from your use (or inability to use) our digital products or website content.
Our content is for informational purposes only and should not be considered financial, medical, legal, or professional advice.
8. User Conduct
You agree not to misuse the website, reverse-engineer any part of it, upload harmful content, or attempt to gain unauthorized access to our systems.
We reserve the right to terminate your access to our Site or products if you violate these terms.
9. Privacy
Your use of the site is also governed by our Privacy Policy. Please review it to understand how we collect and use your personal data.
10. Modifications to These Terms
We may revise these Terms from time to time. By continuing to use the Site after changes are posted, you accept the updated terms.
11. Governing Law
These Terms are governed by and interpreted in accordance with the laws of Ontario, Canada, without regard to conflict of law principles.
12. Contact Information
If you have any questions about these Terms and Conditions, please contact us at our contact page.