ESSENTIAL NOTICE — PLEASE READ IN FULL: This website provides educational material and general information about money management and financial literacy in Hong Kong. None of the content constitutes professional financial advice, investment guidance, or personalised recommendations for your circumstances. Always consult a qualified financial advisor or licensed professional before making any financial decisions. Your situation is unique, and professional guidance tailored to your needs is essential.
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Terms of Service

Last updated: April 17, 2026

These Terms of Service govern your use of MoneyWise HK and its services. By accessing and using our website, you agree to be bound by these terms and conditions. We are committed to providing reliable financial education resources while maintaining a safe and respectful environment for all users.

1. Acceptance of Terms

By using our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. We reserve the right to modify these terms at any time without prior notice. Your continued use of our services following any changes constitutes your acceptance of the revised terms. If you do not agree with any part of these terms, you must discontinue your use of our website immediately. We encourage you to review these terms regularly to ensure you remain informed of any updates or modifications we make to our service agreements.

2. User Obligations and Responsibilities

Users agree to use our website responsibly and in accordance with all applicable laws and regulations in Hong Kong and internationally. You are responsible for maintaining the confidentiality of any personal information you provide and for all activities that occur under your account. You agree not to engage in any unlawful, threatening, abusive, defamatory, obscene, or otherwise objectionable conduct. We expect all users to respect intellectual property rights, avoid spreading misinformation, and refrain from disrupting the normal operation of our services. Violation of these obligations may result in suspension or termination of your access to our website.

3. Intellectual Property Rights

All content on our website, including text, graphics, logos, images, audio clips, and software, is the property of our organization or our content suppliers and is protected by international copyright laws. You are granted a limited, non-exclusive license to view and print content for personal, non-commercial use only. You may not reproduce, distribute, transmit, display, or perform any content without our express written permission. This includes but is not limited to financial guides, educational materials, and interactive tools. Unauthorized use of our intellectual property is strictly prohibited and may result in legal action to protect our rights.

4. Limitation of Liability

Our website and services are provided on an “as-is” basis without warranties of any kind, express or implied. We do not guarantee the accuracy, completeness, or reliability of any content, and we are not responsible for errors or omissions. To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website. While we strive to provide accurate financial education information, we are not liable for any financial decisions or outcomes resulting from your use of our content or services.

5. Termination of Access

We reserve the right to terminate or suspend your access to our website at any time, with or without cause, and with or without notice. Grounds for termination may include violation of these terms, engagement in prohibited activities, or any conduct we deem harmful to our services or other users. Upon termination, your right to use our website ceases immediately, and all content and information associated with your account may be deleted. We are not liable for any consequences resulting from termination of your access, and you remain responsible for any obligations incurred prior to termination.