Privacy Policy

Your privacy on the Internet is important to us at HMBC is committed to tailoring content to match our user’s individual needs, but we also recognize the importance of protecting the personally identifiable information we may collect about you, our members. HMBC has developed this privacy policy in an attempt to balance our legitimate business interests in collecting and using information with your reasonable expectations of privacy for your personal information provided to us when visiting our website and/or subscribing to our service. Please review the entire policy and feel free to contact us if you have any questions. This policy may change from time to time so please check back periodically so you are familiar with our current privacy policy.

HMBC’s Collection of User Information:

HMBC’s customers are businesses and individuals. HMBC collects user information (“User Information”) in various ways, including (i) personal information (e.g. name, e-mail address, mailing address, industry) that you supply when subscribing to membership of our service through our web sites (“personally identifying information”) and other information that you provide [when you request information from HMBC], and (ii) preference tracking information from our use of “cookies” and other aggregate activity logging.

A cookie is a small amount of data that is sent to your browser from a web server and is stored on your computer’s hard drive. Cookies allow you to enter your password less frequently during an online session. We may use a separate cookie to track each site’s aggregated page views, which tells us which features are most interesting to our members. Our cookies do not store personally identifying information about you. Since cookies are now used as industry standard, most web browsers automatically accept cookies, but you can usually change your browser to decline cookies. Our web sites log IP addresses and browser types (primarily for systems administration purposes), but we do not match IP addresses to any personally identifiable information. This means that your session will be tracked, but you can remain anonymous in the public areas of our sites. You can browse those areas of our sites without entering any personal information and therefore remain anonymous during your visit. HMBC’s web site contains links to other web sites. We encourage you to visit those web sites to learn more about their online privacy as they may differ from this privacy policy. HMBC does not control the privacy policies of other sites to which we may provide hyperlinks.

To the extent that any personal contact information is collected, we use this contact information for business purposes, such as responding to requests for information about HMBC and products and services, providing access to certain products and services, and for registration to HMBC news and updates.

By submitting your information to us and by using the HMBC Web Site, you are consenting to our use of your data as described herein and are consenting to the General Terms and Conditions. If you do not consent, you should not register with HMBC and you should not use the HMBC Web Site.

Use of User Information Collected:

The User Information that we collect may be added to our databases and used for future communications regarding site updates, new products and services, and status of membership subscriptions placed online. The User Information that we collect from cookies and browser identification provides demographic data about our members in the aggregate that we use to improve our service and tailor our offerings. Personal data included in User Information may also be used for marketing and promotional purposes for a statistical analysis of users’ behavior, for product development, for content improvement, or to customize the content and layout of our site.

In addition, we will, on occasion, send emails to visitors about our services or third-party products when you have expressed an interest in them. If you do not want to receive email or other mail from us, either choose to “Opt Out” and remove yourself from continued receipt of e-mail messages or send an email to us at info [at]

Our policy is not to share User Information with third parties other than as specified under the heading “When do we Share User Information with Third-Parties? unless required by law, or unless you explicitly request us to share your User Information with a third-party. We recognize that your User Information is valuable and we take all reasonable measures to protect your User Information while it is in our care and will use it only as we set forth in this policy.

When do we Share User Information with Third-Parties?

We may share your User Information with third-parties under the following circumstances:

* Affiliated Business We Do Not Control
We work closely with certain business partners. If you fill out forms, we may provide your information to our business partners so that they can provide service to you. They may also contact you directly about products and services that may be of interest. Should you choose to access these services through our HMBC Web Site, we will share your information with our business partners who may in turn solicit you in the future. We do stipulate to our business partners that they may not pass your information to other entities.
* Business Transfers
As we continue to develop our business, we might sell or buy assets. In such transactions, customer information generally is one of the transferred business assets. Also, in the unlikely event that HMBC or substantially all of its assets are acquired, visitor and customer information will of course be one of the transferred assets.
* Protection of HMBC and Others
We release visitor and customer information when we believe release is appropriate to comply with the law; enforce or apply our General Terms and Conditions and other agreements; or to protect the rights, property, or safety of HMBC, our users, or others. This includes exchanging information with other companies and organizations for fraud protection.

By submitting your information to us, you are consenting to the uses we describe above. If you do not consent to these uses, we suggest you opt out where available, activate blocking technology if available in your browser, choose not to submit your data to us where we request it from you or otherwise choose not to use this HMBC Web Site.

What websites does this Privacy and Security Policy apply to?

This Privacy and Security Policy applies to HMBC only. There are links on this HMBC Web Site to other websites and this privacy policy does not apply to any other website that has a link on our HMBC Web Site. If you click on a link and leave our HMBC Web Site, you should check the privacy and/or security policy of that website.

How Secure is the User Information?

The importance of security for all User Information associated with our visitors and customers is of utmost concern to us. We exercise reasonable care in providing secure transmission of your information from your PC to our servers and ensuring the security of your information on our systems. Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, while we take steps to protect your information, HMBC can’t ensure or warrant the security of any information you transmit to us or from our online products or services, and you do so entirely at your own risk.

What Choices Do I Have?

You can choose not to provide your User Information to us or you may choose to not fill out any forms on the HMBC Web Site. Should you receive an unwanted email or direct mail piece from HMBC, you have the option to “Opt Out” of future emails or send an email to HMBC as described under “Use of User Information Collected” to be removed from future direct mailings.

How Can I Access and Update My User Information?

Customers who have provided contact information may update their contact information by logging in to update the information submitted on their application.

Conditions of Use, Notices, and Revisions

If you choose to visit any part of the HMBC Web Site, your visit and any dispute over privacy is subject to this notice (“Privacy Policy”) and our General Terms and Conditions, including disclaimers of warranties and application of the law of the United States Virgin Islands. If you have any concern about privacy at HMBC, please send us a thorough description and we will try to resolve it pursuant to the dispute resolution provision of the General Terms and Conditions. You can send an email to info [at]

This Privacy Notice and the General Terms and Conditions may change without notice, and use of information that we gather now is subject to the Privacy Notice in effect at the time of use. If you have concerns, please check this Privacy and Security policy and the General Terms and Conditions before submitting information to the HMBC Web Site.