These Terms and Conditions outline the rules and regulations for the use of our products, services, and website (collectively referred to as “Services”). By accessing or using our Services, you agree to comply with these terms. If you do not agree with any part of these terms, please refrain from using our Services.

  1. Use of Services:

    a. You must be at least 18 years old or have the legal capacity to enter into agreements to use our Services.

    b. You agree to use our Services for lawful purposes only and in accordance with these Terms and Conditions.

    c. You are responsible for maintaining the confidentiality of any account information and passwords associated with our Services.

  2. Intellectual Property:

    a. The content provided through our Services, including but not limited to text, graphics, logos, images, and software, is the property of HSBLCO and is protected by applicable intellectual property laws.

    b. You may not reproduce, distribute, modify, display, or create derivative works of any content provided through our Services without our prior written consent.

  3. User Content:

    a. By submitting any content (such as reviews, comments, or other materials) through our Services, you grant HSBLCO a non-exclusive, royalty-free, worldwide, and perpetual license to use, modify, reproduce, display, and distribute that content.

    b. You are solely responsible for the content you submit and must not violate the rights of any third party.

  4. Privacy:

    a. Your use of our Services is also governed by our Privacy Policy. Please review our Privacy Policy to understand our practices concerning the collection and use of your information.

  5. Disclaimer of Warranties:

    a. Our Services are provided on an “as-is” and “as-available” basis. HSBLCO makes no warranties, expressed or implied, regarding the accuracy, completeness, or suitability of the information and materials provided through our Services.

  6. Limitation of Liability:

    a. HSBLCO and its affiliates, officers, employees, or agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly.

  7. Termination:

    a. HSBLCO reserves the right to terminate or suspend your access to our Services at any time, without notice, for any reason.

  8. Changes to Terms and Conditions:

    a. HSBLCO reserves the right to update or modify these Terms and Conditions at any time. Any changes will be effective immediately upon posting on our website.

  9. Governing Law:

    a. These Terms and Conditions are governed by and construed in accordance with the laws of USA. Any disputes arising under or in connection with these terms shall be subject to the exclusive jurisdiction of the courts in USA law.

If you have any questions about these Terms and Conditions, please contact us at

By using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.