General Information
This website (the "Site") is owned and operated by HPI LLC (“HPI LLC,” “we,” “our,” or “us”). By accessing or using this Site, you agree to comply with and be bound by these Terms of Service, as well as our Privacy Policy, Refund Policy, and any other terms, guidelines, or policies that may be presented to you in connection with specific services, products, or sections of the Site. Your use of the Site constitutes your agreement to follow and be bound by these Terms of Service.We reserve the right to modify, update, or revise these Terms of Service at any time. We will post any changes to the Site, and your continued use of the Site after the posting of such changes will constitute your acceptance of the revised Terms.
Intellectual Property Rights
Our License to You.
All content and materials available on the Site, including but not limited to text, graphics, logos, icons, images, and software, are the property of HPI LLC or its affiliates and are protected by copyright, trademark, and other intellectual property laws. HPI LLC grants you a limited, non-exclusive, non-transferable license to access and use the Site solely for personal, non-commercial purposes. You may not modify, copy, distribute, transmit, display, reproduce, publish, license, or sell any materials from the Site without our prior written consent. Unauthorized use of any materials or content on this Site may violate copyright, trademark, and other laws.
Your License to Us.
By submitting any content to us through the Site (such as comments, posts, media, or other materials) or via email or other communication channels, you represent that you either own the content or have the necessary rights and permissions to submit the content. You also confirm that you are at least thirteen years of age or older.
When you submit content, you grant HPI LLC and its affiliates, partners, and licensees a worldwide, royalty-free, perpetual, irrevocable, and non-exclusive license to use, copy, modify, distribute, transmit, publicly perform, display, and create derivative works from such content, in any format, now known or later developed, for any lawful purpose. You further agree that HPI LLC has the right to use your name, email address, or screen name in connection with the use of the content, as we deem appropriate.
In addition, any work created by you specifically for HPI LLC will be deemed a "work made for hire," and all intellectual property rights associated with that work will belong to HPI LLC upon creation. If any such work is not considered a "work made for hire," you agree to assign all rights, title, and interest in the work to HPI LLC, without the need for additional compensation.
Limitations on Linking and Framing.
You may establish a hyperlink to the Site, provided that the link does not imply any affiliation with or endorsement by HPI LLC. You may not frame or inline link any content from the Site or incorporate Site materials into other websites or services without our prior written permission.
Disclaimers
The Site may provide links to third-party websites or online resources. These links are offered solely for your convenience, and HPI LLC does not endorse, sponsor, or assume responsibility for the content, services, or products offered by third parties through these linked sites. Your use of third-party websites, including transactions or interactions with merchants, is at your own risk. We encourage you to review the privacy policies and terms of use of any third-party sites before engaging with their content or services.
Any opinions, advice, statements, services, offers, or other content expressed or made available by third parties, including information providers, on the Site are those of the respective authors or distributors, and do not reflect the views or opinions of HPI LLC. We do not guarantee the accuracy, completeness, or usefulness of any third-party content. Furthermore, HPI LLC does not endorse or take responsibility for the accuracy, reliability, or timeliness of any opinions or statements made by third parties on the Site unless provided by an authorized HPI LLC representative in their official capacity.
The information, products, and services available on the Site, including those provided by third parties, are offered “as is” and without warranties of any kind, either express or implied. To the fullest extent permitted by applicable law, HPI LLC disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee that the Site will be uninterrupted, error-free, or free of viruses, harmful components, or defects. We make no representations regarding the accuracy, timeliness, reliability, or completeness of the Site's content or any content on linked third-party sites.
You agree to defend, indemnify, and hold harmless HPI LLC, its affiliates, subsidiaries, agents, officers, directors, and employees, from and against any and all claims, damages, liabilities, costs, and expenses (including legal fees) arising out of or related to your breach of any obligation, warranty, representation, or covenant set forth in these Terms of Service. This includes, but is not limited to, any claims arising from your use of third-party services or products, or any content you post or submit to the Site.
Limitation of Liability
To the maximum extent permitted by applicable law, HPI LLC, its affiliates, partners, and service providers, will not be liable for any direct, indirect, incidental, special, punitive, or consequential damages resulting from the use or inability to use the Site, including any loss of data, income, or profits, whether or not we were advised of the possibility of such damages. This includes damages related to reliance on any content on the Site or linked third-party sites. In jurisdictions that do not allow the exclusion of certain types of damages, this limitation may not apply to you, and our liability will be limited to the fullest extent allowed by applicable law.
UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, SHALL HPI LLC, OUR AFFILIATES, PARENT COMPANIES, SUBSIDIARIES, LICENSORS, OR SERVICE PROVIDERS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN CONNECTION WITH THE USE OF, OR THE INABILITY TO USE, THE SITE OR ANY CONTENT, SERVICES, OR PRODUCTS PROVIDED THROUGH THE SITE. THIS INCLUDES, WITHOUT LIMITATION, DAMAGES ARISING FROM USER CONTENT, THIRD-PARTY MATERIALS, OR ANY PRODUCTS OR SERVICES OBTAINED THROUGH THE SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
THIS LIMITATION OF LIABILITY SHALL APPLY TO ALL CLAIMS, INCLUDING THOSE ARISING IN TORT, CONTRACT, NEGLIGENCE, OR OTHERWISE, AND SHALL APPLY EVEN IF THE REMEDY PROVIDED HEREIN FAILS OF ITS ESSENTIAL PURPOSE.
HPI LLC SPECIFICALLY DISCLAIMS ANY LIABILITY FOR ANY DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT BY USERS OR THIRD PARTIES, INCLUDING BUT NOT LIMITED TO OTHER SITE USERS. IF YOU ARE DISSATISFIED WITH THE SITE OR ANY CONTENT, SERVICES, OR PRODUCTS AVAILABLE THROUGH THE SITE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO CEASE USING THE SITE AND DISCONTINUE ANY PURCHASES OR USE OF THE PRODUCTS, SERVICES, OR CONTENT.
THE SITE AND ALL CONTENT, MATERIALS, AND SERVICES PROVIDED ON IT ARE CONTINUALLY UNDER DEVELOPMENT AND HPI LLC MAKES NO WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, AS TO THE ACCURACY, COMPLETENESS, OR APPROPRIATENESS FOR ANY PARTICULAR PURPOSE. THE SITE AND ALL MATERIALS PROVIDED ON OR THROUGH IT ARE PROVIDED "AS IS," AND WE EXPRESSLY DISCLAIM ALL WARRANTIES, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
HPI LLC, ITS OWNERS, OFFICERS, DIRECTORS, EMPLOYEES, SUBSIDIARIES, AFFILIATES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, AND AGENTS ARE NOT FINANCIAL ADVISORS AND NOTHING CONTAINED ON THE SITE IS INTENDED TO BE OR SHOULD BE CONSTRUED AS FINANCIAL, TAX, ACCOUNTING, OR RELATED ADVICE.
ANY EDUCATIONAL CONTENT PRESENTED ON THE SITE IS INTENDED FOR A GENERAL AUDIENCE AND DOES NOT CONSTITUTE SPECIFIC ADVICE FOR ANY INDIVIDUAL. THE INFORMATION PROVIDED IN PROGRAMS, BLOGS, OR ANY OTHER CONTENT IS BASED ON SOURCES AND INFORMATION REASONABLY BELIEVED TO BE ACCURATE AS OF THE TIME IT WAS CREATED. HOWEVER, THE MATERIAL DEALS WITH SUBJECTS THAT CAN CHANGE RAPIDLY AND IS SUBJECT TO MODIFICATIONS DUE TO NEW TECHNOLOGICAL ADVANCEMENTS, MARKET CONDITIONS, AND CHANGES IN LAWS AND REGULATIONS. AS SUCH, WE CANNOT GUARANTEE THE ACCURACY OR COMPLETENESS OF THE MATERIAL AND DISCLAIM ANY WARRANTY THAT THE CONTENT IS FREE FROM ERRORS, OMISSIONS, OR INACCURACIES.
THIS CONTENT SHOULD BE USED AS A GENERAL GUIDELINE AND NOT AS THE FINAL SOURCE OF CURRENT INFORMATION. USERS ARE ADVISED TO CONSULT THEIR OWN LEGAL, FINANCIAL, OR OTHER PROFESSIONAL ADVISORS BEFORE MAKING DECISIONS BASED ON ANY CONTENT FOUND ON THE SITE.
ANY CASE STUDIES, EXAMPLES, OR ILLUSTRATIONS SHARED ON THE SITE OR THROUGH OUR SERVICES ARE PROVIDED FOR ILLUMINATIVE PURPOSES ONLY. HPI LLC DOES NOT GUARANTEE THAT USERS WILL ACHIEVE SIMILAR RESULTS, AND RESULTS MAY VARY SIGNIFICANTLY DUE TO FACTORS SUCH AS THE INDIVIDUAL'S MARKET, EFFORTS, AND OTHER VARIABLES BEYOND OUR CONTROL. THE RESULTS YOU EXPERIENCE MAY DIFFER FROM THE EXAMPLES SHOWN OR DISCUSSED, AND WE DISCLAIM ANY RESPONSIBILITY OR LIABILITY FOR YOUR PARTICULAR OUTCOMES.
THE INFORMATION AND MATERIALS PROVIDED ON THE SITE, INCLUDING ANY DIGITAL PRODUCTS OR SERVICES, ARE SOLD AND PROVIDED ON AN "AS IS" BASIS. HPI LLC DOES NOT GUARANTEE ANY INCOME OR SPECIFIC RESULT FROM THE USE OF THESE PRODUCTS, SERVICES, OR CONTENT. ANY RESULT YOU ACHIEVE IS YOUR RESPONSIBILITY AS THE END USER.
TO THE FULLEST EXTENT ALLOWED BY LAW, HPI LLC SHALL NOT BE LIABLE FOR ANY DAMAGES, COSTS, OR EXPENSES, WHETHER DIRECT OR INDIRECT, CONSEQUENTIAL, SPECIAL, INCIDENTAL, OR OTHERWISE, INCLUDING, BUT NOT LIMITED TO, DAMAGES OR COSTS ARISING OUT OF BUSINESS INTERRUPTION, LOSS OF DATA, LOSS OF PROFITS, OR ANY OTHER ECONOMIC LOSS, EXCEPT TO THE EXTENT SUCH DAMAGES ARE CAUSED BY HPI LLC'S GROSS NEGLIGENCE OR WILLFUL MISCONDUCT. IN NO EVENT SHALL OUR LIABILITY EXCEED THE AMOUNT PAID BY YOU FOR ANY PRODUCTS OR SERVICES THAT GIVE RISE TO THE CLAIM.
Online Commerce
Certain areas of the Site may allow you to purchase products or services from third-party merchants or vendors. HPI LLC is not responsible for the quality, accuracy, timeliness, or reliability of these products or services. If you make a purchase from a merchant via the Site or through a linked third-party site, you acknowledge that any personal information you provide (such as credit card information, contact details, or shipping address) may be collected by both the merchant and HPI LLC. Please note that third-party merchants may have their own privacy policies and data collection practices, which may differ from ours. HPI LLC disclaims any responsibility or liability for the privacy practices or policies of third-party merchants.
When you purchase products or services through the Site, you may be subject to the terms and conditions of the merchant, which will be specific to the product or service you purchase. These additional terms and conditions could include refund policies, warranties, and other requirements that govern your purchase or use of the product or service. We strongly recommend reviewing any merchant's website for additional information, including their privacy policies and terms of service, before completing any transaction.
By using the Site to purchase third-party products or services, you release HPI LLC and its affiliates from any claims, damages, or losses that may arise from your purchase or use of these products or services. You agree not to assert any claims against HPI LLC or its affiliates in connection with your transactions with third-party merchants.
You are financially responsible for all purchases made by you or anyone acting on your behalf through the Site. You agree to use the Site and its services for legitimate, non-commercial purposes only. You also agree not to make any purchases for fraudulent, speculative, or deceptive purposes, or to artificially inflate demand for any product or service. You may only purchase goods or services for yourself or for another individual for whom you are legally authorized to make the purchase. If you make a purchase on behalf of a third party that requires you to submit their personal information (e.g., for shipping or billing purposes), you confirm that you have obtained their express consent to provide this information to us or the third-party merchant.
Interactive Features
The Site may include forums, chat rooms, and other interactive features where users can post comments or content. You are solely responsible for the content you post or submit, and you agree not to post any unlawful, defamatory, offensive, or infringing material. By using interactive features, you agree not to:
- Restrict or interfere with other users’ ability to use the Site.
- Impersonate any person or misrepresent your affiliation.
- Engage in activities that violate local, state, or federal laws, including hacking or unauthorized access to systems. Post any content that infringes on others' intellectual property rights.
Registration and Account Security
In order to access certain features, you may be required to provide demographic or personal information. By registering, you agree to provide accurate and complete information, and you authorize HPI LLC to verify the provided information. Failure to provide accurate information may result in the suspension or termination of your account. You are responsible for maintaining the confidentiality of your account login credentials. If you suspect unauthorized activity, you agree to notify us immediately and ensure that you log out of your account at the end of each session.
Termination
HPI LLC reserves the right to suspend or terminate your access to the Site at any time, without notice, for any reason, including violations of these Terms of Service. Upon termination, you must immediately stop using the Site, and any content or materials downloaded or printed from the Site must be destroyed.
Refund Policy
Refunds, if applicable, are subject to the specific terms and conditions of the product or service purchased. Each offering on the Site will outline its own refund or cancellation policy, which you should review prior to making any purchase.
Dispute Resolution and Governing Law
These Terms will be governed by and construed in accordance with the laws of New York State, excluding its conflict of laws principles. Any disputes related to these Terms shall be resolved through binding arbitration in New York, New York, and you consent to such jurisdiction and venue. If any provision of these Terms is held to be invalid or unenforceable, the remainder of the provisions shall remain in full force and effect.
Class Action Waiver
You agree that any disputes will be resolved individually, and not as part of any class action, consolidated, or representative proceeding. You waive any right to participate in class actions, private attorney general actions, or similar proceedings.
Severability
If any provision of this agreement is deemed unenforceable, it will be severed, and the remaining provisions will remain in effect. If the Class Action Waiver is found unenforceable, this entire section will be invalid, and disputes will be resolved in court.