Privacy Policy + Terms Of Service
Who we are
Our website address is: https://www.hmlinvestments.com
As a professional financial services institution, HML Investments is committed to protecting your personal information and your right to privacy.
TERMS OF SERVICE
Originally effective November 22, 2022 | Last updated August 17, 2026
PRIVACY STATEMENT
HML Investments Enterprises, Inc. (d/b/a HML Investments)
Originally effective November 22, 2022 | Last updated August 17, 2026
YOUR RIGHTS AND OPTIONS
You do not have to provide personal information to enjoy most of the features of our online and mobile resources. Moreover, you can opt out of certain activities like newsletters and announcements. Residents of California and data subjects whose personal information was obtained while they were in the GDPR Jurisdictions have certain additional rights.
“GDPR Jurisdictions” means the countries composed of the European Economic Area (including Iceland, Liechtenstein, and Norway) and the following countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, and Sweden.
Furthermore, Andorra, Argentina, Canada (only commercial organizations), the Faroe Islands, Guernsey, Israel, the Isle of Man, Jersey, New Zealand, Switzerland, Uruguay, and Japan have received an “adequacy decision” from the European Commission and adhere to the material terms of the GDPR. Switzerland also has its own data protection regime under its Federal Act on Data Protection (“FADP”).
The GDPR no longer has jurisdiction over the United Kingdom. Since the United Kingdom (“UK”) has now formally left the European Union, it is no longer regulated domestically by the material terms of the GDPR. The United Kingdom General Data Protection Regulation (“UK-GDPR”) is the UK’s data privacy law that governs the processing of personal data domestically.
If we are using personal information you provided to us in order to enable us to send you materials, such as newsletters or product alerts via text or email, and you decide you don’t want to receive such materials, you may opt out by following the opt-out instructions in the email or other communication (for example, by responding to the text with “STOP”), or by contacting us using the contact information below. When we receive your request, we will take reasonable steps to remove your name from our distribution lists. You need to understand it may take a period of time to remove your name from our lists after your request, and due to such latency you may still receive materials for a period of time after you opt out. In addition to opting out, you have the ability to access, amend, and delete your personal information by contacting us using the contact information below.
Some browsers have a “do not track” feature that lets you tell websites that you do not want to have your online activities tracked. At this time, we do not specifically respond to browser “do not track” signals.
CHILDREN’S PRIVACY
Federal law imposes special restrictions and obligations on commercial website operators who direct their operations toward, and collect and use information from, children under the age of 13. We take those age-related requirements very seriously, and consistent with them we do not intend for our online and mobile resources to be used by children under the age of 13 without first obtaining the verifiable consent of such child’s parent or legal guardian. Moreover, we do not knowingly collect personal information from minors under the age of 13; only a parent or legal guardian may provide such information after adhering to our verification process for submitting such information via the online and mobile resources.
Our services are directed to real estate investors, builders, and other business borrowers, and are not intended for use by anyone under the age of 18. If we become aware that anyone under the age of 18 has submitted personal information to our online and mobile resources, we will delete that information and will not use it for any purpose whatsoever. If you believe that someone under the age of 18 has submitted personal information to our online and mobile resources, please contact us at info@hmlinvestments.com. We encourage parents and legal guardians to talk with their children about the potential risks of providing personal information over the Internet.
HOW WE PROTECT COLLECTED PERSONAL INFORMATION
We will take all reasonable security precautions to protect the personal information you provide to our online and mobile resources. We have adopted a security program that includes technical, organizational, administrative, and other security measures designed to protect, in a manner consistent with accepted industry standards and applicable law, against anticipated or actual threats to the security of personal information (the “Security Program”). We cannot, however, guarantee that your information, whether during transmission or while stored on our systems or otherwise in our care, will be free from unauthorized access, or that loss, misuse, destruction, or alteration will not occur. Except for our duty to maintain the Security Program under applicable law, we disclaim any other liability for any such theft or loss of, unauthorized access or damage to, or interception of any data or communications, including personal information. We have every reason to believe our Security Program is reasonable and appropriate for our business and the nature of foreseeable risks to the personal information we collect. We further periodically review and update our Security Program, including as required by applicable law.
Nonetheless, as part of our Security Program, we have specific incident response and management procedures that are activated whenever we become aware that your personal information was likely to have been compromised. We further require, as part of our vendor and business partner oversight procedures, that such parties notify us immediately if they have any reason to believe that an incident adversely affecting personal information we provided to them has occurred.
THE CALIFORNIA CONSUMER PRIVACY ACT
When we collect personal information from California residents, we become subject to, and those residents have rights under, the California Consumer Privacy Act, as amended by the California Privacy Rights Act (“CCPA”). This section of our statement is used to allow us to fulfill our CCPA obligations and explain your CCPA rights. For purposes of this section, the words “you” and “your” mean only such California residents.
What do we collect from California residents?
We collect the following categories of personal information: identifiers such as name, address, email address, telephone number, IP address, and other similar identifiers; personal information described in subdivision (e) of Section 1798.80 (California customer records statute) such as name, address, telephone number, and financial account information; commercial information such as products or services inquired about or obtained; internet and other electronic network activity information such as browsing history, search history, and information regarding your interaction with our website and advertisements; geolocation data including approximate geographic location derived from IP address; professional or employment-related information; and audio, electronic, or other similar information such as recorded telephone calls.
We may disclose this information for one or more business purposes permitted by the CCPA. We do not sell your personal information for monetary consideration. We do disclose certain identifiers and internet activity information to advertising and analytics providers in connection with our digital advertising, which may constitute “sharing” for cross-context behavioral advertising under the CCPA. You may opt out of such sharing using the “Do Not Sell or Share My Personal Information” link on our website or by contacting us at info@hmlinvestments.com.
Certain personal information we collect in connection with brokering loans may be exempt from the CCPA because it is subject to the federal Gramm-Leach-Bliley Act and its implementing regulations, or to the Fair Credit Reporting Act. Where an exemption applies, the rights described in this section may not extend to that information.
Rights of California residents
You have the following rights under the CCPA:
The right to know what personal information we have collected about you, the categories of sources, the purposes for collecting it, and the categories of third parties to whom we disclose it.
The right to access the specific pieces of personal information we hold about you.
The right to request correction of inaccurate personal information.
The right to request deletion of personal information we have collected from you, subject to legal exceptions.
The right to opt out of the sale or sharing of your personal information.
The right to limit our use and disclosure of sensitive personal information.
The right not to be discriminated against for exercising any of these rights.
It’s important to us that you know that if you exercise these rights, we will not discriminate against you by treating you differently from other California residents who use our sites and mobile resources or obtain our services but did not exercise their rights.
You may exercise your right to know or access up to two times every 12 months. To do so, contact us at info@hmlinvestments.com. We may ask you to fill out a request form. The CCPA only allows us to act on your request if we can verify your identity or your authority to make the request, so you will also need to follow our instructions for identity verification. An authorized agent may submit a request on your behalf with your written permission and proof of the agent’s authority.
If you make a verifiable request per the above, we will confirm our receipt and respond within the time frames prescribed by the CCPA.
How long we keep your information
We retain personal information for as long as necessary to fulfill the purposes described in this statement, including to service and administer loans we have brokered, to maintain business records, and to comply with our legal, licensing, tax, and recordkeeping obligations. Retention periods vary by category of information and by the applicable legal requirement.
THE EU GENERAL DATA PROTECTION REGULATION
We do collect or otherwise obtain personal information from data subjects located in the GDPR Jurisdictions. We fulfill our GDPR obligations with respect to our workforce and job applicants, our customers (and their own end-clients), and our vendors and business partners through a series of separate notices, contracts, or other terms provided to them at the time, and in the manner and form, that the GDPR and local law within each GDPR Jurisdiction requires.
We describe, in the immediately following section of this statement, how we comply with the GDPR for personal information collected from visitors to and users of our online and mobile resources while they were in a GDPR Jurisdiction. Thus, for purposes of that section, the words “you” and “your” mean only such GDPR Jurisdiction-based visitors and users.
What do we collect from you in the GDPR Jurisdictions and how do we use it?
We collect from you the categories of personal information already described. The lawful basis on which we rely for such collection, later use, and disclosure is what the GDPR refers to as legitimate interest. As stated elsewhere in this statement, we do not sell any of your personal information to third parties for monetary consideration, nor do we use it for automated decision making.
Cross-border data transfers and third-party processors
If we transfer personal information from the GDPR Jurisdictions to a location that has not been deemed by the European Commission to have adequate privacy protections, we do so in the manner the GDPR permits.
Rights of data subjects in the GDPR Jurisdictions
While we attempt to allow all visitors and users of our online and mobile resources to exercise a degree of control over their personal information, under the GDPR we have a legal obligation to do so for you. More specifically, with respect to personal information collected from you while you were in a GDPR Jurisdiction, you have the rights of transparency, access, correction and deletion, portability, information about who processes your data and what, why, and where it is processed, and restriction of or objection to processing.
If you would like to exercise any of these rights, please contact info@hmlinvestments.com. Your ability to exercise these rights is subject to certain conditions and exemptions that you can read about in Articles 12 through 23 of the GDPR. Among those conditions is our right to decline part or all of a request if we cannot satisfy our reasonable doubts and concerns about your identity in a manner that helps us minimize the risk that unauthorized persons might use a GDPR right to access your personal information. We will respond to all requests without undue delay, and in accordance with the time frames, if any, prescribed by the GDPR. If you are not satisfied with how we use your personal information or respond to your requests, you have the right to complain to your data protection regulator.
RIGHTS OF DATA SUBJECTS IN OTHER JURISDICTIONS
In other jurisdictions with similar data privacy regulations, including but not limited to Virginia, Colorado, Connecticut, Utah, Texas, Oregon, Montana, and Florida, we may collect from you the categories of personal information already described. We collect and manage (including disclose) such data in compliance with applicable local laws, which may give you rights to access, correct, delete, or obtain a copy of your personal information and to opt out of certain processing. To exercise any such right, contact us at info@hmlinvestments.com. As noted, we do not sell any of your personal information to third parties for monetary consideration, nor do we use it for automated decision making.
CHANGES TO THIS PRIVACY STATEMENT
This privacy statement was originally drafted on November 22, 2022, and was last updated on August 17, 2026. The English language version of this privacy statement is the controlling version regardless of any translation you may attempt.
We reserve the right to change or update this statement from time to time. Please check our online and mobile resources periodically for such changes, since all information collected is subject to the statement in place at that time.
CONTACTING US
If you have questions about our privacy statement or privacy practices, please contact us at:
HML Investments Enterprises, Inc.
Attn: Legal & Compliance Department
2121 NW 2nd Street, Miami, FL 33127
15650 Devonshire Street, Granada Hills, CA 91344
info@hmlinvestments.com
(818) 308-4443
HOW WE MAY COMMUNICATE WITH YOU
By submitting a form on our website or otherwise providing your contact information to HML Investments, you provide your prior express written consent for HML Investments and its business divisions, affiliates, and authorized service providers to contact you at the telephone number, email address, and mailing address you provided, including by:
Telephone calls, including calls to a wireless telephone number;
Artificial or prerecorded voice messages;
Automatic telephone dialing systems;
SMS and MMS text messages; and
Email and postal mail.
These communications may be for marketing purposes as well as to respond to your inquiry, and you understand and agree that this consent applies even if your number is listed on a state or federal do-not-call list. You are not required to provide this consent as a condition of obtaining any loan, product, or service from us, and you may decline to give consent and still contact us by telephone at (818) 308-4443.
You agree to be contacted on a recurring basis for as long as you participate in our SMS/MMS mobile message marketing program. Message frequency varies. Message and data rates may apply. Reply STOP to any text message to opt out of text messages and HELP for assistance. You are solely responsible for any third-party carrier fees you may incur in connection with being contacted by us.
How to withdraw consent. You may withdraw your consent to any or all of these communication channels at any time by emailing info@hmlinvestments.com and including the phone number and/or email address you wish to have removed, by replying STOP to a text message, or by using the unsubscribe link in any marketing email. We will process your request within the time period required by applicable law. Because of processing latency, you may receive communications for a short period after you submit your request.
If any provision of this section is held unenforceable, the remainder of this section shall remain in full force and effect.
© 2026 HML Investments Enterprises, Inc. All Rights Reserved.
Who we are
Our website address is: https://www.hmlinvestments.com
As a professional financial services institution, HML Investments is committed to protecting your personal information and your right to privacy.
TERMS OF SERVICE
Originally effective November 22, 2022 | Last updated August 17, 2026
- Introduction
Welcome to [HML Investments Enterprises, INC (“we,” “us,” or “our”). These Terms of Service (“ToS” or “Agreement”) govern your access to and use of our services, including [brokering business purpose loans including but not limited to, new construction loans, fix and flip loans, DSCR loans] (collectively, the “Services”). By accessing, using, or interacting with our Services, you (“User,” “you,” or “your”) agree to be bound by these ToS and our Privacy Policy, which is incorporated by reference into this Agreement. If you do not agree to these ToS, you must discontinue your use of the Services immediately.
This Agreement forms a legally binding contract between you and [HML Investments Enterprises Inc]. Please read these ToS carefully. By accepting these ToS, you also acknowledge and accept the Arbitration Agreement contained in Section 15, which waives your right to a jury trial and to participate in class actions.
- Definitions
- “Account”: The account you create when you register to use our Services.
- “Content”: Any and all text, data, images, graphics, user interfaces, visual interfaces, photographs, trademarks, logos, sounds, music, artwork, computer code, and other materials provided through the Services.
- “Data”: Any information, including Personal Data, that you provide or that is collected from you in connection with your use of the Services.
- “Personal Data”: Any information relating to an identified or identifiable individual, as defined under applicable privacy laws.
- “Sales Kick”: The platform provider we use as a subcontractor for processing and enriching your data, operating solely on our behalf and under our control. Sales Kick is not a party to this Agreement.
- “Third-Party Services”: Any services or products provided by entities other than [HML Investments Enterprises, INC] that are made available through our Services.
- Acceptance of Terms
By accessing or using the Services, you affirm that you are at least 18 years of age, or the age of majority in your jurisdiction, and are capable of entering into a legally binding agreement. If you are using the Services on behalf of a legal entity, you represent and warrant that you have the authority to bind that entity to these ToS.
- Modification of Terms
We reserve the right, at our sole discretion, to modify, update, or change these ToS at any time. Such changes will be effective upon posting the updated ToS on our website or platform. You should review these ToS regularly. Your continued use of the Services after any changes to these ToS constitutes your acceptance of the revised ToS. If you do not agree to the new terms, you must stop using the Services immediately.
- Services Overview
- Description of Services
[HML Investments Enterprises, INC] provides [brokering business purpose loans including but not limited to, new construction loans, fix and flip loans, DSCR loans]. These Services are designed to [help real estate investors acquire investment properties].
- Third-Party Subcontractors
To enhance the functionalities of our Services, we use the Sales Kick platform as a subcontractor to process and enrich your data. Sales Kick operates solely under our direction and is not a party to this Agreement. You will not interact directly with Sales Kick, and your data will be processed as part of our integrated service offering.
- Service Availability
While we strive to ensure the continuous availability of our Services, we cannot guarantee that the Services will be uninterrupted or error-free. We reserve the right to modify, suspend, or discontinue any part of the Services at any time without notice.
- User Obligations and Conduct
- Compliance with Laws
You agree to comply with all applicable laws, regulations, and industry standards when using the Services, including but not limited to privacy, data protection, intellectual property, and export control laws.
- User Account Responsibilities
- Account Information: You agree to provide accurate, current, and complete information when creating your Account and to update such information as necessary.
- Security of Account: You are responsible for maintaining the confidentiality of your Account credentials and for all activities that occur under your Account. You must notify us immediately if you suspect any unauthorized use of your Account.
- Prohibited Activities
You agree not to:
- Use the Services for any illegal, unauthorized, or prohibited purpose.
- Infringe on the rights of others, including intellectual property rights.
- Interfere with or disrupt the Services, servers, or networks connected to the Services.
- Use any automated means (e.g., bots, scrapers) to access or collect data from the Services without our express permission.
- Impersonate any person or entity or misrepresent your affiliation with a person or entity.
- Use the Services to transmit any malicious software, viruses, or other harmful code.
- Engage in any activity that could damage, disable, or impair the functioning of the Services.
- Data Privacy and User Consent
- Data Collection and Processing
- Personal Data: We collect and process your Personal Data as part of providing the Services. This may include data you provide directly, data we collect automatically, and data we obtain from third-party sources.
- Data Enrichment: Your data may be enriched through the Sales Kick platform, which processes your information on our behalf to enhance the accuracy, relevance, and utility of the Services we provide to you.
- User Consent
By using our Services, you consent to:
- The collection, processing, and sharing of your data as described in these ToS and our Privacy Policy.
- The use of your data for the purpose of improving, customizing, and optimizing the Services, including through data enrichment and calendar management.
- The sharing of your data with Sales Kick, our subcontractor, solely for the purpose of providing the Services.
- The transfer of your data to and from third-party service providers, as necessary to deliver the Services.
- I understand by submitting an application to book a sales call, I am providing written instructions authorizing [HML Investments Enterprises, INC] and affiliates to obtain my personal credit profile or other information from credit reporting agencies under the FCRA solely to conduct a credit pre-qualification. I further understand that this is a soft pull and will not harm my credit in any way whatsoever.
- Data Sharing and Disclosure
- Subcontractors and Service Providers: We may share your data with subcontractors, including Sales Kick, who assist us in providing the Services. These parties are bound by confidentiality and data protection obligations and will not use your data for any purpose other than to perform the Services on our behalf.
- Legal Compliance: We may disclose your data to comply with legal obligations, such as in response to court orders, legal processes, or government requests.
- Data Security
- Security Measures: We implement reasonable security measures to protect your data from unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.
- User Responsibilities: You are responsible for safeguarding the device and network through which you access the Services. You should ensure that your software and systems are up to date and that you take appropriate precautions to protect your data.
- Intellectual Property Rights
- Ownership
All intellectual property rights in the Services, including but not limited to software, content, trademarks, and logos, are owned by [HML Investments Enterprises, INC] or its licensors. Your use of the Services does not grant you any rights to our intellectual property, except for the limited rights necessary to use the Services in accordance with these ToS.
- License to Use the Services
Subject to your compliance with these ToS, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your personal or internal business purposes.
- Restrictions
You may not:
- Copy, modify, distribute, sell, or lease any part of our Services or included software.
- Reverse engineer or attempt to extract the source code of any software used in the Services, except as expressly permitted by applicable law.
- Use any of our intellectual property, including trademarks, logos, or content, without our express written consent.
- Representations and Warranties
- User Representations and Warranties
You represent and warrant that:
- Authority: You have the legal authority to enter into and comply with these ToS.
- Accuracy of Information: All information you provide in connection with your use of the Services is accurate, complete, and current.
- Compliance with Laws: You will comply with all applicable laws, regulations, and industry standards in your use of the Services.
- No Infringement: Your use of the Services does not and will not infringe on the intellectual property, privacy, or other rights of any third party.
- No Harmful Activities: You will not engage in any activity that is harmful to us, Sales Kick, our other users, or the general public, including the transmission of viruses, malware, or other harmful code.
- Third-Party Client Representations and Warranties
[HML Investments Enterprises, INC] represents and warrants that:
- Compliance with Laws: We will comply with all applicable laws, including data protection and privacy laws, in providing the Services.
- No Conflict: Our provision of the Services does not and will not conflict with any other agreement or legal obligation to which we are subject.
- Data Security: We will implement reasonable security measures to protect your data and ensure that our subcontractors, including Sales Kick, comply with applicable data protection obligations.
- Service Continuity: We will make commercially reasonable efforts to ensure the continuous availability of the Services, subject to the limitations set forth in these ToS.
- Disclaimer of Warranties
Except as expressly provided in these ToS, the Services are provided “as-is” and “as-available” without any warranty of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, or any warranties arising from course of dealing, course of performance, or usage in trade.
- Limitation of Liability
- Exclusion of Damages
To the fullest extent permitted by law, [HML Investments Enterprises, INC], Sales Kick, and their affiliates, officers, agents, employees, and partners shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenues, data, or use, arising out of or related to your use of the Services, even if advised of the possibility of such damages.
- Cap on Liability
In no event shall the total liability of [HML Investments Enterprises, INC], Sales Kick, and their affiliates to you for all claims arising out of or related to these ToS or your use of the Services exceed the amount you paid to us for the use of the Services in the 12 months preceding the claim.
- No Liability for Third-Party Services
We are not responsible for any Third-Party Services made available through the Services. Your use of Third-Party Services is at your own risk, and we make no representations or warranties regarding such services.
- Indemnification
You agree to indemnify, defend, and hold harmless HML Investments Enterprises, INC, Sales Kick, and their affiliates, officers, agents, employees, partners, and licensors from any claim, demand, damages, losses, liabilities, costs, and expenses, including reasonable attorneys’ fees, arising out of or related to:
- Your use of the Services.
- Your breach of these ToS or violation of any applicable laws or the rights of a third party.
- Any claims that your use of the Services infringes the intellectual property rights of a third party.
- Any data or content you provide or create through the Services.
- Termination
- Termination by You
You may terminate your use of the Services at any time by ceasing to use the Services and, if applicable, closing your Account.
- Termination by Us
We reserve the right to suspend or terminate your access to the Services at any time, without notice or liability, for any reason, including if we believe you have violated these ToS or engaged in unlawful behavior.
- Effects of Termination
Upon termination of your access to the Services, your right to use the Services will immediately cease. Any provisions of these ToS that by their nature should survive termination will survive, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.
- Dispute Resolution and Governing Law
- Governing Law
These ToS and any disputes arising out of or related to them will be governed by the laws of [Florida, United States], without regard to its conflict of laws principles.
- Arbitration Agreement
- Arbitration
You and HML Investments Enterprises, INC agree that any dispute, controversy, or claim arising out of or relating to these ToS, the Services, or any relationship between the parties, including claims based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, shall be resolved through binding arbitration using National Arbitration and Mediation.
Notwithstanding the foregoing, this Arbitration Agreement does not apply to, and shall not be construed to require arbitration of, any claim or transaction for which mandatory pre-dispute arbitration is prohibited by applicable federal or state law, including without limitation 15 U.S.C. § 1639c(e) as to consumer credit transactions secured by a dwelling. Any such claim is excluded from the scope of this Arbitration Agreement, and its exclusion shall not render any other provision of this Arbitration Agreement unenforceable. Either party may also bring an individual claim in small claims court, provided the claim remains in that court and proceeds on an individual basis.
The arbitration shall be administered by National Arbitration and Mediation (“NAM”) under NAM’s Comprehensive Dispute Resolution Rules and Procedures in effect at the time the claim is filed, which are available at www.namadr.com. If NAM determines that the dispute constitutes a consumer transaction, NAM’s fee schedule for consumer disputes shall apply.. The arbitration will be conducted by a single arbitrator with experience in resolving disputes related to the type of services provided by HML Investments Enterprises, INC. The arbitrator’s decision shall be final and binding on all parties.
The arbitration shall take place in Miami, Florida or at another mutually agreed location. If the amount in controversy does not exceed $10,000, you may choose to have the arbitration conducted by telephone, video conference, or based solely on written submissions, subject to the discretion of the arbitrator.
The parties shall share the costs of arbitration, including arbitrator fees, equally, unless the arbitrator determines that such apportionment is not appropriate given the circumstances of the case. Each party shall bear its own legal fees and expenses, unless the arbitrator awards legal fees and costs to the prevailing party under applicable law.
You agree that any arbitration or proceeding shall be conducted only on an individual basis and not as a class, consolidated, or representative action. The arbitrator may not consolidate more than one person’s claims or preside over any form of a representative or class proceeding.
If any portion of this Arbitration Agreement is found to be unenforceable, the remaining portions shall remain in full force and effect. However, if the class action waiver in this Arbitration Agreement is found to be unenforceable, the entire Arbitration Agreement shall be null and void.
In the event that this Arbitration Agreement is found not to apply to a dispute, you and HML Investments Enterprises, INC agree that any non-arbitrable disputes shall be resolved exclusively in the state or federal courts located in Miami, Florida, and you consent to venue and personal jurisdiction in such courts.
Any arbitration proceedings, documents, and information exchanged between the parties in connection with such proceedings, and any final arbitration award, shall be strictly confidential, except as necessary to enforce or challenge the arbitration award in a court of law, or as required by law.
- Miscellaneous
- Entire Agreement
These ToS, together with our Privacy Policy, constitute the entire agreement between you and HML Investments Enterprises, INC concerning the Services and supersede any prior agreements, whether written or oral.
- Severability
If any provision of these ToS is found to be unlawful, void, or unenforceable, then that provision shall be deemed severable from these ToS and shall not affect the validity and enforceability of any remaining provisions.
- Waiver
No waiver of any term of these ToS shall be deemed a further or continuing waiver of such term or any other term, and HML Investments Enterprises, INC failure to assert any right or provision under these ToS shall not constitute a waiver of such right or provision.
- Assignment
You may not assign your rights or obligations under these ToS without our prior written consent. We may assign our rights and obligations under these ToS without restriction.
- Force Majeure
We shall not be liable for any failure or delay in our performance under these ToS due to causes beyond our reasonable control, including, but not limited to, acts of God, war, terrorism, strikes, supply chain disruptions, pandemics, power outages, or governmental restrictions.
- Headings
The headings used in these ToS are for convenience only and have no legal or contractual effect.
- Contact Information
For any questions or concerns regarding these ToS, please contact us at info@hmlinvestments.com.
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