H M C O N S U L T A N T

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Foreign Study Group helps ambitious students achieve their dream of studying at world-class universities across the globe. From university selection to visa guidance, we make your journey smooth, transparent, and successful.

Welcome to HM Consultant. These Terms & Conditions govern your use of our website, hmconsultant.pk, as well as all services, information, and assistance we provide. By accessing our website or seeking our consultancy services, you agree that you have read, understood, and accepted all the terms mentioned on this page. If at any point you do not agree with any portion of these terms, we request that you discontinue the use of our website and services immediately.


 

Acceptance of Services

By using our website, submitting your details, or consulting with our team, you acknowledge that the services provided by HM Consultant are strictly advisory in nature. Our role is to guide, support, and assist you based on our expertise and current immigration or admission guidelines. However, we do not represent any embassy, consulate, immigration department, or university directly, and we do not possess the authority to influence or alter any official decision made by these bodies. Your continued use of our services signifies your acceptance of these limitations and responsibilities.


 

Nature of Information on Our Website

All content displayed on hmconsultant.pk—such as articles, guides, visa information, university details, or general consultancy advice—is intended to provide helpful and educational information to users. Although we make every effort to ensure accuracy and update our content regularly, immigration laws and academic policies can change frequently without prior notice. Therefore, HM Consultant cannot guarantee that every piece of information will always be completely accurate or up-to-date. Users are encouraged to verify critical information through official government or university websites before making final decisions.


 

No Guarantee of Visa or Admission Approval

While our team works professionally to prepare your documents, guide you correctly, and advise you based on experience, we cannot guarantee visa approval, admission offers, scholarship results, or any immigration outcomes. All final decisions are made solely by embassies, visa officers, immigration authorities, and academic institutions. Your eligibility, documentation, financial proof, academic history, interview performance, and embassy rules greatly influence the outcome of your application. By using our services, you acknowledge that HM Consultant cannot be held responsible for any visa refusal, delays, or changes in official policies.


 

User Responsibility for Information Provided

It is the user’s responsibility to ensure that all information, documents, statements, and records submitted to HM Consultant are accurate and authentic. We rely entirely on the documents you provide when preparing your application. If any information is found to be fake, misleading, incomplete, or intentionally concealed, HM Consultant will not be liable for any consequences, including visa refusal, legal complications, fines, or bans from immigration authorities. We reserve the right to refuse service to any client who provides fraudulent or unethical documentation.


 

Payments, Fees, and Refunds

Any service fees charged by HM Consultant will be clearly explained before the start of the service. These fees cover consultancy, document assessment, application assistance, or related services. Since these fees compensate for time, expertise, and administrative work, they are generally non-refundable. Payments made to third parties—such as embassy visa fees, university application fees, SEVIS fees, medical fees, biometric charges, or courier expenses—are not included in our consultancy charges. HM Consultant is not responsible for any payments you make directly to external organizations or for any financial loss arising from their policies.


 

Limitation of Liability

HM Consultant will not be responsible for losses, delays, or inconveniences caused by factors outside our control. This includes embassy processing delays, sudden changes in immigration rules, university policy updates, server downtime, website issues, courier delays, or rejection due to incomplete or incorrect documents provided by the user. Our responsibility is limited to providing guidance and consultancy based on the information you provide and the knowledge available at the time. You agree that the use of our website and services is entirely at your own risk.


 

Intellectual Property Rights

All content available on hmconsultant.pk—including text, images, designs, videos, branding elements, and written guides—is the exclusive property of HM Consultant. This content may not be copied, reproduced, republished, distributed, or modified in any form without our prior written permission. Unauthorized use of our content is strictly prohibited and may result in legal action.


 

Third-Party Websites and External Links

Our website may contain links that lead to external websites such as universities, immigration authorities, government portals, or other informational pages. These websites are not controlled by HM Consultant. We are not responsible for the accuracy, security, privacy practices, or content of any third-party platform. Users who visit external sites do so at their own risk and should review the terms and policies of those websites separately.


 

Use of Cookies

HM Consultant uses cookies to enhance user experience, improve website performance, and understand visitor behavior. These cookies help our website load efficiently and provide personalized features. By using our website, you consent to the use of cookies in accordance with our Cookie Policy. If you prefer not to accept cookies, you may disable them through your browser settings; however, certain features of the website may not function properly as a result.


 

Updates to Terms & Conditions

We may revise, update, or modify these Terms & Conditions at any time as needed. Any changes will be posted on this page with a new “Last Updated” date. By continuing to use our website after updates have been published, you automatically accept the revised terms. Users are encouraged to review this page periodically.


 

Contact Information

If you have any questions, concerns, or clarifications regarding our Terms & Conditions, you may contact us anytime. We are committed to providing clear and transparent communication to all our users.

 

Contact HM Consultant: