Privacy Policy

Who we are

Our website address is:

What personal data we collect and why we collect it


When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.

An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: After approval of your comment, your profile picture is visible to the public in the context of your comment.


If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.

Contact forms


If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.

If you have an account and you log in to this site, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.

When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.

If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.

Embedded content from other websites

Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.


Who we share your data with

How long we retain your data

If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.

For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.

What rights you have over your data

If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.

Where we send your data

Visitor comments may be checked through an automated spam detection service.

Your contact information

Additional information

How we protect your data

What data breach procedures we have in place

What third parties we receive data from

What automated decision making and/or profiling we do with user data

Industry regulatory disclosure requirements


Website Terms and Conditions of Use

Access to and use of any part of the website (the “Website”) is provided by Hop Online Ltd to you (the “User”) subject to the following terms and conditions (the “Terms and Conditions”). The information contained in this website is for informational purposes only.

These terms and conditions govern your use of our website; by using our website, you accept these Terms and Conditions in full. If you disagree with these Terms and Conditions or any part of these Terms and Conditions, you must not use our website.

By using our website the User agrees to be bound by these Terms and Conditions. The User also agrees to be bound, as appropriate, by the Terms and Conditions of the other documents which govern the user’s use of the website, including the Privacy Policy and the expression “Terms and Conditions” shall be deemed to include these other materials.

The User further agrees that he has read and understood the Terms and Conditions.

Further Information

Should you require any further information relating to the contents of this website, or have any enquiry relating to the use of the Contents, please email

Changes to the Website

The User acknowledges and accepts that Hop Online may from time to time alter any aspect the Website, or any of the services or products provided through the Website, as it thinks fit and without notice to the User. Hop Online may alter the Terms and Conditions at any time without notice. The User accepts that it will have no claim for breach of contract or otherwise in respect of any such alteration.

Technological Failures

Hop Online shall not be liable in any way for any inaccuracy, error, or delay in or omission of any information; or the transmission or delivery of any information; or for any loss or damage arising out from or occasioned by any such inaccuracy, error, delay, or omission; or for any non-performance or interruption of information due to any act or omission; or for any force majeure (i.e., flood, extraordinary weather condition, earthquake, or other act of God; fire; war; insurrection; riot; labour dispute; accident; action of government; communications failure; power failure; or equipment or software malfunction) or any other cause beyond our reasonable control.

User Conduct

The User warrants that in its use of the website it shall:

  • (a) use our website only for lawful purposes, and in a manner which does not infringe the rights of, or restrict or inhibit the use of the website by, any third party;
  • (b) not engage in any conduct which is unlawful, or which may harass or cause distress or inconvenience to any person;
  • (c) without prejudice to the generality of paragraph (b) above, not upload, post, transmit or distribute any material or information in which the user does not own the intellectual property rights, or any material which is in any way unlawful or which is potentially harmful, threatening, abusive, libellous, pornographic or otherwise obscene, or racially or ethnically or otherwise objectionable; and
  • (d) not upload, post, transmit or distribute any material or information which contains a computer virus, or other code, files or programs intended or having for effect to disrupt or otherwise adversely affect the operation of our website or of other users’ computer systems.


The contents of our website (the “Contents”) including, for the avoidance of doubt, any guidance notes, newsletters and other content capable of being downloaded and viewed independently from our website (except for Legal information), are provided to the User by way of general, background information only. The User should not rely on the accuracy of any part of the Contents, nor should the Contents be considered advice or recommendations, and Hop Online assumes no responsibility and accepts no liability for any reliance placed by the User or any third party on the Contents.

Hop Online use virus checking software to ‘virus check’ documents and files before they are uploaded onto our website but cannot guarantee that documents or files downloaded from our website will be virus free. The User is responsible for conducting its own virus checks on any document or file which is downloaded from our website. Hop Online accepts no liability for any damage to the User’s computer system arising from the transfer of any virus.

Without prejudice to the foregoing generality, Hop Online hereby excludes, insofar as permitted by law, all warranties and representations, express or implied, in respect of any of the Contents, including but not limited to any information, names, images, pictures, logos and icons forming part of them, including but not limited to warranties of satisfactory quality, fitness for a particular purpose, non-infringement of third party rights or any law, compatibility, security and accuracy. The User accepts and acknowledges that Hop Online, its directors, employees, agents, representatives of any sort, and advisers shall not in any way be liable for any damage, loss, costs or expenses arising directly or indirectly from the User’s or any third party’s reliance, viewing or downloading of any of the Contents from the Website, or its reliance on or use of any of the Contents for any purpose.

The Contents may be updated or Hop Online may decide to alter either the information in the website or the structure of the website at any time without giving warning. Opinions or estimates reflect Hop Online’ judgment at the date of the issuance of the information and such opinions and estimates are also subject to change without notice.

The Contents may relate to information about services which are subject to restrictions about persons who may receive such information. The Contents are not directed at anyone in a particular jurisdiction who by virtue of being in that jurisdiction, would be prohibited from receiving or having such information made available to him/her/it. Accordingly, information in the website must not be circulated or copied to anyone where to do so may constitute an infringement of any local laws or regulations.

Neither the website, nor the Contents, constitute or will form the basis of a representation, a contract or a term of any contract. It is essential that before proceeding with any course of action, you take relevant professional advice, particularly professional advice on individual tax and/or estate planning or exchange control in your country of residence and/or domicile.

You are advised that the use of the Internet as a form of communication is not yet secure and information transmitted through the Internet as a communication medium may be intercepted and/or read by third parties. You should not, therefore, rely upon your communication on the Internet as a secure form of communication.


Our Website and its Contents may at points incorporate links to websites and services of third parties. Such links are provided for the User’s convenience only, and their provision does not constitute an authorisation by Hop Online to the User to access such third party websites, nor an endorsement of the content of such third party websites by Hop Online.

The User acknowledges and accepts that Hop Online is not, and shall not be held responsible for any damages, loss, costs or expenses arising from the use of such third party websites, or products or services available through such third party web sites.


Except where expressly indicated otherwise, copyright in all of the Contents of our Website belongs to Hop Online.

Hop Online hereby authorises the User to:

  • (a) view and display the Contents; and
  • (b) download the Contents and store them in its computer (for example in the browser’s cache) and print a single copy of the Contents on the condition that there is no alteration of the Contents by the User and such activities are not utilised for commercial gain.

Save to the extent expressly permitted under the Terms and Conditions, the Contents (including any downloaded Contents) may not be modified, adapted, reproduced, forwarded, transmitted, used for training purposes or otherwise made available by the User in whole or in part to any third party without the express prior consent of Hop Online. The User agrees that it will not claim authorship of the Contents.


The names and logos on the Website identifying Hop Online and/or any third party and their products and services are either (a) proprietary marks of Hop Online or (b) marks which Hop Online is licensed or authorised to use, and nothing in these Terms and Conditions shall confer on the User any licence of or other authorisation to use any such mark or any other intellectual property right of Hop Online or third party, subject always to the above provisions relating to copyright.


Hop Online reserves the right to terminate forthwith, or to refuse to permit, the use of our Website by any User, at any time and at Hop Online’ absolute discretion.


Subject to the express agreement of any additional terms of usage between Hop Online and the User, these Terms and Conditions, constitute the entire agreement of the parties in relation the use of our Website, and these Terms and Conditions supersede any other agreements between the parties in this matter.

If any of these Terms and Conditions should be determined to be illegal, invalid or otherwise unenforceable by reason of the laws of any state or country in which these Terms and Conditions are intended to be effective, then to the extent and within the jurisdiction in which that Term or Condition is illegal, invalid or unenforceable, it shall be deemed modified as may be necessary to make it valid and enforceable, and if this is not possible, it shall be severed and deleted from the Terms and Conditions and the remaining Terms and Conditions shall survive, remain in full force and effect and continue to be binding and enforceable.

The rights of Hop Online and the User under these Terms and Conditions may be exercised as often as necessary. They are cumulative and not exclusive of either party’s rights under the general law, and may be waived only in writing.

Screenshots of this website, quotes taken from our text content, and any references to our brand, domain, or web pages must include a search-engine-followable HTML link.