By using the HMLO website you agree to be bound by the terms and conditions relating to its use.

This website contains information of a general nature and is not a substitute for seeking appropriate advice. HMLO makes no representations about the content and suitability for any purpose of the information contained in this website. The information and the website is provided on an ‘as is basis’ without any express or implied warranty of any kind and the information and website are used at your own risk.

To the maximum extent permitted by law, in no event will HMLO be liable for any loss or damage suffered by any person through relying on or otherwise using any information on this website. Such loss or damage includes direct, indirect or consequential loss or damage based in contract, tort (including negligence), and strict liability or otherwise. HMLO accepts no liability for any interference with or damage to a user’s computer system, software or data as a result of connecting with this website, including without limitation, arising from viruses or other harmful codes.

Our site may contain links to other sites.  HMLO does not endorse and is not responsible for the privacy practices or the content of such web sites and they are viewed at your own risk. Any links to other websites contained on this website are provided for convenience only.