Terms of Service

Last updated: August 7, 2024

Agreement to Terms

These Terms of Service ("Terms," "Agreement") constitute a legally binding agreement between you ("User," "you," or "your") and HSB Hub ("Company," "we," "our," or "us") governing your access to and use of our asset management education platform, website, and related services (collectively, the "Services").

By accessing, browsing, or using our Services in any manner, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, you must not access or use our Services.

These Terms apply to all users of our Services, including visitors, registered learners, corporate clients, and any other individuals or entities that access or use our platform. We reserve the right to modify these Terms at any time, and such modifications will be effective immediately upon posting on our website.

Description of Services

HSB Hub provides comprehensive web-based learning environments dedicated to asset and resource management education. Our Services are designed to equip corporate teams and individual practitioners with practical frameworks, scenario-based exercises, and collaborative discussion opportunities to improve allocation decisions across capital, physical assets, and human resources.

Educational Programs and Content

Our Services include, but are not limited to:

  • Structured educational programs covering various aspects of asset management
  • Evidence-based frameworks and methodologies for resource allocation
  • Scenario-driven analysis and case study materials
  • Interactive learning modules and assessment tools
  • Collaborative discussion platforms and peer learning opportunities
  • Professional development resources and certification programs
  • Corporate training solutions and team-oriented learning modules
  • Webinars, workshops, and other educational events
  • Progress tracking and performance analytics

Important Educational Disclaimer

Critical Notice: Our Services are exclusively educational in nature and do not constitute personalized financial consulting, investment advice, or professional advisory services. We do not provide individualized financial recommendations or investment guidance. All content is provided for educational purposes only and should not be construed as professional advice tailored to specific circumstances.

Platform Access and Availability

We strive to maintain continuous availability of our Services, but we do not guarantee uninterrupted access. Our Services may be temporarily unavailable due to maintenance, updates, technical issues, or circumstances beyond our control. We reserve the right to modify, suspend, or discontinue any aspect of our Services at any time with or without notice.

User Responsibilities and Conduct

By using our Services, you agree to comply with all applicable laws, regulations, and these Terms. Your responsibilities include:

Account Management and Security

  • Providing accurate, complete, and current information during registration and throughout your use of our Services
  • Maintaining the confidentiality and security of your account credentials
  • Immediately notifying us of any unauthorized access to your account
  • Taking responsibility for all activities that occur under your account
  • Regularly updating your account information to ensure accuracy
  • Using strong passwords and following recommended security practices

Acceptable Use Standards

  • Using our Services only for lawful purposes and in accordance with these Terms
  • Respecting the intellectual property rights of HSB Hub and third parties
  • Engaging respectfully and professionally in community discussions and peer interactions
  • Refraining from sharing or distributing course materials without explicit permission
  • Not attempting to gain unauthorized access to our systems or other users' accounts
  • Avoiding any conduct that could damage, disable, or impair our Services
  • Not using our Services for any commercial purposes without prior written consent
  • Complying with all applicable data protection and privacy laws

Prohibited Activities

You expressly agree not to:

  • Violate any applicable laws, regulations, or third-party rights
  • Engage in harassment, abuse, or discriminatory behavior toward other users
  • Upload, post, or transmit any harmful, offensive, or inappropriate content
  • Attempt to reverse engineer, decompile, or disassemble our platform
  • Use automated systems or bots to access our Services without permission
  • Interfere with or disrupt the integrity or performance of our Services

Intellectual Property Rights

All content, materials, and resources provided through HSB Hub, including but not limited to educational content, frameworks, methodologies, text, graphics, logos, images, audio, video, software, and other materials (collectively, "Content"), are the exclusive property of HSB Hub or its licensors and are protected by copyright, trademark, patent, and other intellectual property laws.

Our Rights

HSB Hub retains all rights, title, and interest in and to our Services and Content. This includes:

  • Proprietary educational frameworks and methodologies
  • Course materials, assessments, and learning resources
  • Platform software, technology, and user interfaces
  • Trademarks, service marks, and brand elements
  • Databases, analytics, and aggregated user data
  • All improvements, modifications, and derivative works

Limited License to Users

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use our Services and Content solely for your personal educational purposes. This license does not permit you to:

  • Reproduce, distribute, modify, or create derivative works from our Content
  • Publicly display, perform, or transmit our Content
  • Use our Content for commercial purposes or financial gain
  • Remove or alter any copyright, trademark, or other proprietary notices
  • Share login credentials or provide access to unauthorized users

User-Generated Content

You retain ownership of any content you create or submit through our Services, such as discussion posts, assignments, or feedback. However, by submitting such content, you grant us a worldwide, royalty-free, non-exclusive license to use, reproduce, modify, and display your content in connection with operating and improving our Services.

Payment Terms and Billing

Access to certain features and content of our Services may require payment of fees. All payment terms and conditions will be clearly communicated at the time of enrollment or subscription.

Fees and Charges

  • All fees are stated in the currency specified at the time of purchase
  • Fees are due and payable in advance unless otherwise specified
  • We reserve the right to change our fees with reasonable notice
  • Additional charges may apply for premium features or services
  • All fees are exclusive of applicable taxes, which are your responsibility

Payment Processing

  • Payments are processed through secure third-party payment processors
  • You authorize us to charge your designated payment method
  • You are responsible for maintaining valid payment information
  • Failed payments may result in suspension of access to paid Services

Refund Policy

Refund policies vary by program and will be clearly specified in your enrollment agreement. Generally:

  • Refund requests must be submitted within specified timeframes
  • Refunds may be subject to administrative fees or penalties
  • Completed courses or accessed content may not be eligible for refunds
  • Corporate training programs may have different refund terms

Disclaimers and Limitations of Liability

Educational Purpose Disclaimer

Important Notice: Our Services are provided exclusively for educational purposes. We do not provide personalized financial advice, investment recommendations, or professional consulting services. All content is general educational material and should not be relied upon as a substitute for professional advice tailored to specific circumstances.

No Warranties

Our Services are provided "as is" and "as available" without warranties of any kind, either express or implied. We disclaim all warranties, including but not limited to:

  • Warranties of merchantability, fitness for a particular purpose, and non-infringement
  • Warranties regarding the accuracy, reliability, or completeness of our Content
  • Warranties that our Services will be uninterrupted, secure, or error-free
  • Warranties regarding the results or outcomes of using our Services

Limitation of Liability

To the maximum extent permitted by applicable law, HSB Hub and its affiliates, officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

  • Loss of profits, revenue, or business opportunities
  • Loss of data or information
  • Business interruption or operational delays
  • Personal injury or property damage
  • Any other damages arising from your use of our Services

Maximum Liability Cap

In no event shall our total liability to you for all damages exceed the amount you have paid to us for the Services in the twelve (12) months preceding the event giving rise to the claim.

Indemnification

You agree to indemnify, defend, and hold harmless HSB Hub and its affiliates, officers, directors, employees, agents, and representatives from and against any and all claims, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from or relating to:

  • Your use of our Services or violation of these Terms
  • Your violation of any applicable laws or regulations
  • Your infringement of any third-party rights
  • Any content you submit or transmit through our Services
  • Your negligent or wrongful conduct
  • Any misrepresentation made by you

We reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you, and you agree to cooperate with our defense of such claims.

Termination of Services

Termination by You

You may terminate your account and discontinue use of our Services at any time by contacting us or following the account closure procedures provided in your account settings. Upon termination, your access to paid Services will continue until the end of your current billing period.

Termination by Us

We reserve the right to terminate or suspend your access to our Services immediately, with or without cause, and with or without notice, for conduct that we believe:

  • Violates these Terms or our policies
  • Is harmful to other users, third parties, or our business interests
  • Involves fraudulent or illegal activities
  • Creates liability or legal exposure for us
  • Is otherwise inappropriate or unacceptable

Effect of Termination

Upon termination of your account:

  • Your right to access and use our Services will immediately cease
  • We may delete your account and associated data
  • You remain liable for all charges incurred prior to termination
  • Provisions of these Terms that should survive will remain in effect

Governing Law and Dispute Resolution

Governing Law

These Terms and any disputes arising from or relating to our Services shall be governed by and construed in accordance with the laws of England and Wales, without regard to conflict of law principles.

Jurisdiction and Venue

Any legal action or proceeding arising from or relating to these Terms or our Services shall be brought exclusively in the courts of England and Wales, and you consent to the personal jurisdiction of such courts.

Dispute Resolution Process

Before initiating any formal legal proceedings, we encourage you to contact us directly to resolve any disputes informally. We are committed to working with you to address concerns and find mutually acceptable solutions.

General Provisions

Entire Agreement

These Terms, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and HSB Hub regarding your use of our Services and supersede all prior agreements and understandings.

Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions will remain in full force and effect, and the invalid provision will be modified to the minimum extent necessary to make it valid and enforceable.

Waiver

Our failure to enforce any provision of these Terms or to exercise any right shall not constitute a waiver of such provision or right. Any waiver must be in writing and signed by an authorized representative of HSB Hub.

Assignment

You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign these Terms and our rights and obligations hereunder at any time without notice to you.

Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, labor disputes, or government actions.

Contact Information

If you have any questions about these Terms of Service or need assistance with our Services, please contact us:

Phone: +44 203 149 2673

Email: info@hsbhub.com

Address: 45 Kennington Park Road, London SE11 4JY, UK

We are committed to addressing your questions and concerns promptly and will respond to your inquiries in a timely manner.