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Terms of Service

Terms of Service

PLEASE READ THE FOLLOWING TERMS AND CONDITIONS OF USE CAREFULLY BEFORE USING THIS WEBSITE. Welcome to HBIG! The services on this site are offered to you by Home Builders Inspection Group., the registered owner of the HBIG trademark. For the rest of this text, HBIG will be used, but it is understood that HBIG is a part of Home Builders Inspection Group. When you use HBIG (“WWW.HBIGSA.COM) you understand that you are subject to the following conditions. All users of this site agree that access to and use of this site are subject to the following Terms and Conditions of Use and other applicable law. If you visit or shop at WWW.HBIGSA.COM, you accept and agree to abide by these Terms and Conditions of Use. Please read them carefully. Before placing an order, if you have any queries relating to these Terms and Conditions of Use, please email our customer service team at [email protected]



Please review our Privacy Policy, which also governs your visit to the WWW.HBIGSA.COM site and forms part of these Terms and Conditions of Use, in order to understand our practices. WE WILL NEVER AT ANY TIME SHARE YOUR PERSOONAL INFORMATION.

Inspection Agreement

This is a Legal Binding Agreement. Please read carefully prior to signing. You have every right to consult legal advice before signing any binding agreement.

Inspector{{INSPECTOR_SIGNATURE}} (HBIG) agrees to provide inspection services in accordance with this Agreement and render professional opinions for the purpose of informing the Client(s){{CLIENT_NAME}} listed above (individually or collectively the Client) of major deficiencies in the condition of the above-referenced property{{ADDRESS}}. In consideration for the inspection services, the Client{{CLIENT_NAME}} agrees to pay the inspection fee of {{PRICE}}agreed upon. Additional fees may apply for return visits that may be required to complete an inspection where items or systems were not ready or deemed safe to originally inspect. All return visit fees are charged at a rate set by HGIB. Additional fees for travel and time may apply depending on the quantity of items to inspect and property location.

What is Inspected: In exchange for an Inspection Fee as agreed to (Services Provided), the Inspector (HBIG) will (a) inspect the Property{{ADDRESS}} in accordance with the Standards of Practice 535.227535.233 (Feb, 1 2009) adopted by the Texas Real Estate Commission (TREC) EXCEPT as indicated in the following section (What is Not Inspected) and (b) provide the Client{{CLIENT_NAME}} with a completed Property Inspection Report on the form promulgated by the TREC within 48 hours of the inspection. The Standards of Practice referenced above are incorporated into this Agreement as if set forth fully herein may be viewed online at www.trec.state.tx.us and can be provided to the Client{{CLIENT_NAME}} upon request.

The inspection shall include a non-exhaustive evaluation of all systems identified in the Standards of Practice. While some building code related items may be identified as Deficient in the Property Inspection Form for the purpose of identifying potentially hazardous conditions (See Texas Real Estate Consumer Notice Concerning Hazards or Deficiencies, TREC Form No. OP-I) or to provide further clarification for the Client, the Client understands and agrees that the Inspector (HBIG) does not perform a code compliance inspection. The Inspector (HBIG) will perform an inspection of those items as required by the Standards of Practice that are visible and safely accessible as determined by the Inspector (HBIG). Areas and/or items deemed to be inaccessible and or unsafe to inspect as determined by the Inspector (HBIG) shall be identified in the inspection report as not inspected under the Departure rules. The inspection will be a non-destructive and practical evaluation of major components of the Property{{ADDRESS}} and as are apparent on the date of the inspection. The Inspector (HBIG) will not enter into or climb upon unsafe areas that may potentially endanger the Inspector (HBIG) or damage the area, in his sole judgment. The Inspector (HBIG) is not licensed to providing engineering services. Engineering opinions may only be provided by a licensed engineer.

What is Not Inspected (Agreed Departures): The following specific limitations apply but should not be considered as a totally exhaustive list (See the TREC Standards of Practice for additional limitations). Unless expressly stated otherwise, Inspector (HBIG) does not test, inspect, report on or offer opinions on: soil analysis or adequacy of design; aesthetic items such as wall, ceiling or trim paint; cosmetic deficiencies such as wall paper or texture deficiencies; floor coverings, cabinetry, countertops and or trim work deficiencies; window treatments, and the like; items where access is limited or prevented by furniture, personal belongings, or similar obstructions; life expectancies & repair estimates; drafting of chimneys; inaccessible portions and or components of all mechanical, electrical and plumbing systems; gas line sizing and/or piping connections; cleaning cycles of self-clean ovens, timer functions on ovens and microwaves; determination of water quality; all forms of plastic water supply piping and associated connectors; determining the presence of Kitec or any other plastic piping product; determining absence or presence of Chinese drywall; all freestanding appliances; sewage disposal systems including grinder or ejector pumps and associated equipment; general pests, termites or other wood destroying organisms, rodents, and/or diseases ( unless otherwise itemized in the Services Provided section of this agreement); testing of air conditioning when exterior temperature are below 65 degrees F within the past 12 hours, testing of heating systems when temperatures are above 85 degrees F at the time of inspection{{INSPECTION_DATE}}{{INSPECTION_TIME}}; exterior walks, driveways, and patios; sub-surface water/springs, caves, fault lines, potential flooding conditions that would not be readily detectable or apparent at the time of inspection{{INSPECTION_DATE}}{{INSPECTION_TIME}}, potential floodplain or flood areas; items listed with the Consumer Product Safety Commission identified as unsafe and/or determined to be under a recall by manufacturer; items or areas identified by the EPA as a potential household concern; ADA ( Americans with Disabilities Act ) compliance; any and all environmental issues, including: pollutants, mold, mildew, fungi, radon gas, lead based paint, gases, volatile organic compounds, airborne contaminations; inspection of roof covering underlayments, concealed flashing details, installation and appropriateness of fasteners securing any and all types of decks or roofing; flood testing of building drains and/or shower pans, lavatories and bath tub overflows; turn on or turn off any gas, water supply or irrigation valves; test temperature and pressure valves on water heaters; turn on or off any electrical breakers; common areas in planned communities, condominiums or townhouses; exterior veneer coverage ( paints, stains and/or other surface coatings ); exterior landscape lighting; mechanical or powered gates; fencing and or exterior retaining walls. The Inspector (HBIG) does not determine the operational capacity, quality, or suitability for a particular use of any system or component in the home or on the property. This Inspection does not cover latent defects not reasonably and readily observable or detectable during the inspection process nor those that may be covered by recent repairs, remodeling, painting, or defects that may be concealed or obstructed by stored items or furniture.

Client{{CLIENT_NAME}} specifically agrees to hold Inspector (HBIG) harmless from any claims or liability regarding any areas that have been purposely concealed, covered, touched up or otherwise hidden on the premises and or unreported or withheld from the Sellers Disclosure documents.

Client{{CLIENT_NAME}} agrees the sole recourse is against the responsible parties thru civil action. The inspection intends to reduce but will not eliminate risk; therefore, the standard inspection does not identify all defects or problems (visible or concealed). The Client{{CLIENT_NAME}} agrees that such non-reporting does not constitute any actionable representation or omission and specifically waives any and all claims at law or in equity, in connection with any such reporting.

This agreement and report will not include, and should not be read or interpreted, to determine the insurability or merchantability of any item or items inspected.

Moisture and/or Indoor Air Quality (IAQ): The Inspector (HBIG) is not responsible for the discovery or reporting on the presence of any type of airborne or surface contaminants, mold, mildew or concealed moisture intrusion. Such services are beyond the scope of this inspection. If comments are made concerning (past and/or present) moisture intrusion, plumbing leaks, roof leaks, and/or any type of moisture damage; the Client{{CLIENT_NAME}} has the responsibility to contact a specialist for further investigations and/or testing services.

Optional systems : such as lawn and garden sprinklers, swimming pools, spas, hot tubs (including related equipment), outbuildings, water wells, sewage disposal (septic) systems, and other built in appliances not specifically listed in the Appliances section of the Property Inspection Report shall not be inspected unless agreed to by the inspector (HBIG). All inspections on Optional Systems are visual and non-exhaustive in nature. These evaluations are opinion based. All concerns should be directed to a specialist in their fields.

Disclaimer of Warranties: The inspection and Property Inspection Report is not a warranty, guarantee (express or implied), insurance policy, or substitute for real estate transfer disclosures, including a Sellers Disclosure Statement, or other legally required disclosures. The Client{{CLIENT_NAME}} understands and agrees that the Property Inspection Report constitutes the Inspector (HBIG)s advice, judgment, and professional opinion with respect to the condition of the Property{{ADDRESS}} as outlined in the report at the time of inspection{{INSPECTION_DATE}}{{INSPECTION_TIME}} only. The Inspector (HBIG) does not insure nor guarantee the future performance{{INSPECTION_DATE}} of the structure or any component within the structure. The Inspector (HBIG) shall not be held responsible or liable for any repairs or replacements with regard to the property, systems, components, or the contents therein.


The Report and Inspection Findings: The written report including any and all photographs or digital recordings taken during the time of inspection{{INSPECTION_DATE}}{{INSPECTION_TIME}} remain the sole property of the Inspection company HBIG. The Client{{CLIENT_NAME}} agrees to distribution of the completed report shall be solely to persons involved with this transaction; including, but not limited to, real estate professionals representing the seller and/or client, attorneys of record representing the seller and/or client, the Title Inspector (HBIG) and/or lender representing the Client{{CLIENT_NAME}}. Distribution, use of or sale of this report to any other parties is expressly prohibited. Client specifically gives permission to the Inspector (HBIG) to distribute the report, per the Clients direction and to discuss report findings, with any and all parties related to this transaction. Please note that the Inspector (HBIG) reserves the right to provide additional addendums, clarifications or modifications to the original inspection report. Any such addendums, clarifications or modifications shall be delivered to the Client{{CLIENT_NAME}} no later than 48 hours from the time of the original inspection report{{CURRENT_DATE}}. Oral opinions provided by the Inspector (HBIG) are partial in context and superseded by the written report and any addendums, clarifications or modifications forwarded to the client as agreed above. At no time can the inspector (HBIG) advise the client if the property is a good/safe investment or that the client should/shouldn’t proceed with the purchase.

Client Responsibilities: Client{{CLIENT_NAME}} agrees to carefully read the ENTIRE inspection report and any and all addendums and to confer with all recommended specialists noted in the inspection report. If a section of the report is deemed as “deficient” ALL components involved in that section need to be evaluated by a licensed professional in that field, as not all deficiencies will be apparent at time of inspection{{INSPECTION_DATE}}{{INSPECTION_TIME}}. All marked deficiencies are to be further evaluated by a professional in the field. Failure by the client{{CLIENT_NAME}} to secure the services of recommended specialists is done so at the sole risk of the Client and the Inspector (HBIG) shall be hereby released from any and all claims for non-disclosure that may be related or consequential to deficiencies noted in the inspection report. 

It is the Clients{{CLIENT_NAME}} responsibility to contact an insurance agent to confirm the property{{ADDRESS}} is fully insurable without reservation as the Inspector (HBIG) does not guarantee or certify the building and or property is insurable.

It is the Clients{{CLIENT_NAME}} responsibility to contact and secure the services and guidance of Legal counsel, counsel from a qualified real estate agent and counsel from contractors and repairmen in negotiating repair needs and/or satisfying that all deficiencies that exist on the property are repaired and/or negotiated to the Client satisfaction prior to closing.

Failure to seek appropriate guidance is solely upon the client{{CLIENT_NAME}}. The inspector (HBIG) is therefore fully released from any and all associated claims that may be charged against the inspector (HBIG) as a result of the clients failure to secure proper guidance.

Enforceability: If any portion of this Agreement is found to be invalid or unenforceable by any court or arbitrator, the remaining terms shall remain in force between the parties.

Subrogation Clause: The Client{{CLIENT_NAME}} specifically waives all subrogation rights or interests that may be afforded to the seller, lenders, spouses, legal partners, beneficiaries, insurance companies or any other party that may hold an interest in the property and/or estate inspected under this agreement. The Client specifically agrees to hold harmless, fully defend and satisfy any and all such claims that may arise against the Inspector (HBIG) out of the performance of the inspection and inspection report provided.

Claim Notice Procedure: The Client{{CLIENT_NAME}} understands and agrees that any claim(s) or complaint(s) arising out of or related to any alleged act(s) or omission(s) of the Inspector (HBIG), in connection with the services provided, shall be reported to the Inspector (HBIG) in writing and in reasonable detail within ten (10) business days of discovery. Unless there is an emergency condition, the Client agrees to allow the Inspector (HBIG), without hindrance, a reasonable period of time to investigate the claim(s) or complaint(s) by, and among other things, a re-inspection of the condition(s) or item(s), before the Client or anyone acting on behalf of the Client{{CLIENT_NAME}}, repairs, replaces, alters, or modifies the system(s) or component(s) that are the subject matter of the claim or complaint. If said components and/or systems are repaired, replaced, or evaluated by any other professional prior to reinspection by the original inspector (HBIG) the client{{CLIENT_NAME}} takes full responsibility for the deficiency of said item. The Client{{CLIENT_NAME}} understands and agrees that the Clients{{CLIENT_NAME}} failure to timely notify the Inspector (HBIG) and allow adequate time to investigate the conditions prior to any repairs or alterations as stated above, shall constitute a complete waiver and relinquishing of any and all claims that the Client{{CLIENT_NAME}} (complainant) may have against the Inspector (HBIG), as relating to the alleged act(s) or omission(s), unless otherwise prohibited by law. The Client agrees that no claim, demand, or action, whether sounding in contract or in tort, may be brought to recover damages against the Inspector (HBIG) more than (90) calendar days after the date of the inspection report.

Required Notice to Client{{CLIENT_NAME}}: State law mandates under article 6573a, section 1102.364, that you are given notice and availability to the Texas Real Estate Inspection Recovery Fund in cases of inspector (HBIG) negligence. For further information on this fund please contact the Texas Real Estate Commission @ 1101 Camino La Costa, Austin, TX 78752.

Exemption from liability under DTPA Act: The Client hereby acknowledges that the Inspector (HBIG) is licensed by the state of Texas and is recognized in the industry and by the state of Texas as a Professional Inspector (HBIG) for the purposes of DTPA (Deceptive Trade Practice). The professional opinions of the Inspector (HBIG) provided in verbal or written format are considered professional opinions, therefore exempted from liability under DTPA section 17.49

Arbitration of Disputes: All parties agree that if a dispute or claim arises from this agreement or the inspection performed by the Inspector (HBIG) and it cannot be amicably settled through direct communication, that any and all disputes shall be settled thru mediation under the guidelines set forth under Texas law. Both parties shall share equally in the cost of mediation. In the event mediation is unsuccessful, both parties voluntarily agree to binding arbitration by a single, conflict free, mutually agreeable arbitrator, and shall use the procedural rules, but not the administration of the American Arbitration Association per Construction Industry Arbitration.

If the parties are unable to agree on the appointment of a mediator and/or arbitrator, either party, without waiving the right to enforce binding arbitration, may petition a court of general jurisdiction in Bexar County, Texas to appoint a mediator and/or arbitrator. Any arbitration proceeding shall be held in Bexar County, Texas. The Client and the Inspector (HBIG) shall share equally in the costs of the arbitrator, subject to the arbitrators right to award such costs as provided below. The Client expressly waives all rights to a trial by jury in lieu of mediation and/or arbitration to settle any and all claims.

Fees and Costs associated with Disputes: In the event the Client files a claim or initiates a mediation or arbitration proceeding against the Inspector (HBIG), the Client agrees to pay any and all fees, including but not limited to: mediator or arbitrator fees, costs of expert witnesses, legal defense fees, lost wages, deposition fees and any and all other such expenses incurred by the Inspector (HBIG), if the Client is not the prevailing party in the dispute on ALL claims.

Limitation of Liability:

Client understands that this is not a technically exhaustive inspection. A technically exhaustive inspection is available, it involves the hiring of specialists licensed in each area being inspected These inspections take approximately 12 weeks to schedule, do not carry any limits of liability as noted in this Agreement and are offered at a minimum starting fee of $5,000.00 (Five thousand dollars).

Client{{CLIENT_NAME}} understands that the inspection fee{{PRICE}} paid to the Inspector (HBIG) for a NON-technically exhausting inspection is nominal given the risk of liability associated with performing inspections if such liability could not be limited. 

Accordingly, by agreeing below, Client{{CLIENT_NAME}} agrees that the Inspector (HBIG) is not performing a technically exhaustive inspection and that the maximum liability incurred by the Inspector (HBIG) for any and all claims relating to damages or errors or omissions SHALL BE LIMITED TO A REFUND OF THE ENTIRE FEE{{PRICE}} PAID TO THE INSPECTOR (HBIG) FOR THE INSPECTION. 

This limitation applies to any and all damages sought by Client{{CLIENT_NAME}}, including actual, consequential, exemplary, special or incidental damages, attorneys fees, costs, and expenses. This limitation of liability is binding upon the Clients heirs, successors, assigns, and any other party claiming rights under this Agreement, including those claiming by, through, or under Client{{CLIENT_NAME}}.

Choice of Law: This Agreement shall be construed, governed, and enforced in accordance with the laws of the State of Texas.

Entire Agreement: This Agreement represents the entire agreement between the Client{{CLIENT_NAME}} and the Inspector (HBIG). No oral agreements, understandings, or representations shall change, modify, or amend any part of this Agreement. No changes or modifications to this Agreement shall be enforceable unless they are in writing and signed by both the Client{{CLIENT_NAME}} and the Inspector (HBIG).

Acceptance: This Agreement is solely between the Inspector (HBIG) and the Client{{CLIENT_NAME}} for whom the inspection was performed. Due to the rapid pace that many real estate transactions occur at, it is not technically possible in some cases for Clients to always attend inspections. If the Client is not present during the inspection process, and/or fails to sign and return a fully executed copy of the last page of this Agreement prior to or at the time of inspection{{INSPECTION_DATE}}{{INSPECTION_TIME}}, the Clients acceptance of the Property Inspection Report constitutes an implied acceptance of this entire Agreement in full.

Payment: Payment of the above sums{{PRICE}} are due before the onsite inspection. In the event of any default in payment, unpaid sums shall bear interest at the lesser of the highest legal rate or 1.5% per month. All returned checks are subject to a $50 returned check fee. Client shall be held responsible for all necessary collection fees including but not limited to legal fees, collection agencies etc. on any unpaid fees or returned checks.

Cancellation & Re-scheduling Policy: Cancellations require a 24-hour notice to the Inspector (HBIG) or a minimum 50% cancellation fee{{PRICE}} is charged to the client. Rescheduling an inspection requires a 24-hour notice to the Inspector (HBIG) or a minimum 25% rescheduling fee{{PRICE}} is charged to the client in addition to the original inspection fees{{PRICE}} quoted.

HBIG will never sell credit card information, emails or clients names or any information pertaining to the client, we have partnered with certain venders that may offer discounts on their products or services should our clients be interested.

The Client{{CLIENT_NAME}} has read and understands the content, terms, and conditions of this Agreement, including, but not limited to, the limitations of liability, complaint procedures, arbitration clause, subrogation clause and limitation periods. The Client has the right to have this Agreement reviewed by an attorney of his/her choice prior to signing and the right to choose another Inspector (HBIG) if the terms and conditions of this Agreement are unsatisfactory.

The Client{{CLIENT_NAME}} certifies to the Inspector (HBIG) to have the legal authority to enter this contract on behalf of a spouse, life partner and/or any other third party. The Client agrees to fully assume any and all obligations or legal liability to successfully defend the Inspector (HBIG) against any and all claims that may arise or be charged against the Inspector (HBIG) by such spouses, partners or other third parties that may have a legal interest in the property or this agreement.

Electronic Communications and Notice

When you visit WWW.HBIGSA.COM or send e-mail to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by e-mail or by posting notices on the WWW.HBIGSA.COM site. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.


The collective work includes works that are licensed to WWW.HBIGSA.COM. Copyright 2021 WWW.HBIGSA.COM, ALL RIGHTS RESERVED. Permission is granted to electronically copy and print hard copy portions of this site for the sole purpose of placing an order with WWW.HBIGSA.COM or purchasing WWW.HBIGSA.COM products. You may display and, subject to any expressly stated restrictions or limitations relating to specific material, download or print portions of the material from the different areas of the site solely for your own non-commercial use, or to place an order with WWW.HBIGSA.COM or to purchase WWW.HBIGSA.COM products. Any other use, including but not limited to the reproduction, distribution, display or transmission of the content of this site is strictly prohibited unless authorized by WWW.HBIGSA.COM. You further agree not to change or delete any proprietary notices from materials downloaded from the site.


Www.HBIGSA.COM, HBIG, and other marks indicated on our site are trademarks or registered trademarks of HBIG. In the UNITED STATES and other countries. HBIG graphics, logos, page headers, button icons, scripts, and service names are trademarks of HBIG. HBIG trademarks may not be used in connection with any product or service that is not HBIG, in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits HBIG All other trademarks not owned by HBIG. or its affiliates that appear on the WWW.HBIGSA.COM site are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by HBIG.

License and Site Access

HBIG grants you a limited license to access and make personal use of the WWW.HBIGSA.COM site, and not to download (other than page caching) or modify it, or any portion of it, except with the express written consent of HBIG. This license does not include any resale, commercial or counterfeit use of the WWW.HBIGSA.COM site or its contents; any collection and use of any product listings, descriptions, or prices; any derivative use of the WWW.HBIGSA.COM site or its contents; any downloading or copying of account information for the benefit of another merchant; or any use of data mining, robots, or similar data-gathering and extraction tools.

The WWW.HBIGSA.COM site or any portion of it may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any or another commercial purpose without the express written consent of HBIG. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of HBIG without express written consent. You may not use any meta tags or any other “hidden text” utilizing HBIG name or trademarks without the express written consent of HBIG. Any unauthorized use terminates the permission or license granted by HBIG. You are granted a limited, revocable, and nonexclusive right to create a hyperlink to the WWW.HBIGSA.COM home page, so long as the link does not portray HBIG or our products or services in a false, misleading, derogatory, or otherwise offensive matter. You may not use any HBIG logo or other proprietary graphic or trademark as part of the link without express written permission.

 Risk of Loss

All items purchased from HBIG are made pursuant to a shipment contract. This means that the risk of loss and title for such items passes to you upon our delivery to the carrier.

Typographical Errors

In the event that a WWW.HBIGSA.COM service is mistakenly listed at an incorrect price, WWW.HBIGSA.COM reserves the right to refuse or cancel any orders placed for product listed at the incorrect price. WWW.HBIGSA.COM reserves the right to refuse or cancel any such orders whether or not the order has been confirmed and your credit card charged. If your credit card has already been charged for the purchase and your order is canceled, WWW.HBIGSA.COM shall issue a credit to your credit card account in the amount of the incorrect price.

Term; Termination

These Terms and Conditions of Use are applicable to you upon your accessing the site and/or completing the registration or shopping process. These Terms and Conditions of Use, or any part of them, may be terminated by WWW.HBIGSA.COM without notice at any time, for any reason. You agree that HBIG shall not be liable to you or to any person as a result of any such suspension or termination. The provisions relating to Copyrights, Trademark, Disclaimer, Warranty Disclaimer, Limitation of Liability, Indemnification and Miscellaneous, shall survive any termination. If you are unsatisfied with any of these Terms and Conditions of Use, please discontinue using WWW.HBIGSA.COM.

Use of Site

Harassment in any manner or form on the site, including via e-mail, chat, or by use of obscene or abusive language, is strictly forbidden. Impersonation of others, including a WWW.HBIGSA.COM or other licensed employee, host, or representative, as well as other members or visitors on the site is prohibited. You may not upload to, distribute, or otherwise publish through the site any content which is libelous, defamatory, obscene, threatening, invasive of privacy or publicity rights, abusive, illegal, or otherwise objectionable which may constitute or encourage a criminal offense, violate the rights of any party or which may otherwise give rise to liability or violate any law. You may not upload commercial content on the site or use the site to solicit others to join or become members of any other commercial online service or other organization.

Copyright Complaints

HBIG respects the intellectual property of others. If you believe that your work has been copied in a way that constitutes copyright infringement, please contact us immediately at [email protected]


You shall indemnify and forever save harmless HBIG, its partners, affiliates, parent company, and suppliers and each of their respective directors, officers, employees, consultants, agents and suppliers from and against any and all claims, demands, actions, suits, losses, costs, charges, expenses, damages and liabilities (including legal fees) which may be incurred by reason of or in connection with your use of this site.

Third-Party Links

In an attempt to provide increased value to our visitors, WWW.HBIGSA.COM may link to sites operated by third parties. However, even if the third party is affiliated with WWW.HBIGSA.COM, WWW.HBIGSA.COM has no control over these linked sites, all of which have separate privacy and data collection practices, independent of WWW.HBIGSA.COM. These linked sites are only for your convenience and therefore you access them at your own risk. Nonetheless, WWW.HBIGSA.COM seeks to protect the integrity of its web site and the links placed upon it and therefore requests any feedback on not only its own site but for sites, it links to as well (including if a specific link does not work).

Revision of Terms

HBIG may revise these Terms and Conditions of Use at any time by updating this posting. You should visit this page from time to time to review the then-current Terms and Conditions of Use because they are binding on you and your continued use of this site signifies your acceptance of these revised Terms and Conditions of Use. Certain provisions of these Terms and Conditions of Use may be superseded by expressly designated legal notices or terms located on particular pages of this site.

Entire Agreement

These Terms and Conditions of Use together with HBIG privacy policy, terms of service policy, and refund policy constitute the complete and entire agreement between you and HBIG pertaining to the use of this site and supersede any prior agreements, whether written or oral.

Site Policies, Modification and Severability

Please review our other policies, such as our privacy policy, posted on the WWW.HBIGSA.COM site. These policies also govern your visit to the WWW.HBIGSA.COM site. We reserve the right to make changes to our site, policies, and these Terms and Conditions of Use at any time. Any changes or revisions will be effective immediately upon their posting on the WWW.HBIGSA.COM site. Your use of the WWW.HBIGSA.COM site will be subject to the version of Terms and Conditions of Use posted on this site at the time of such use. Accordingly, you are advised to review the Terms and Conditions of Use prior to using the WWW.HBIGSA.COM site.

YOUR CONTINUED USE OF THIS SITE FOLLOWING THE POSTING OF ANY CHANGES OR REVISIONS WILL CONSTITUTE YOUR ACCEPTANCE OF SUCH CHANGES OR REVISIONS. IF YOU DO NOT AGREE TO ANY CHANGES OR REVISIONS TO THESE CONDITIONS OF USE, YOU MAY NOT USE THE WWW.HBIGSA.COM AND ARE TO DISCONTINUE USE OF THE SITE IMMEDIATELY. If any of these conditions shall be deemed invalid, void, or for any reason unenforceable, that condition shall be deemed severable and shall not affect the validity and enforceability of any remaining condition.