Terms of Service

Last updated: April 13, 2026

These Terms of Service govern your use of FinanceFlow HK and its services. By accessing and using our website, you agree to be bound by these terms and conditions. We provide educational materials on financial planning, budgeting, and banking services in Hong Kong, and your use of our content constitutes acceptance of these terms.

Acceptance of Terms

By using our website and accessing our educational materials, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. If you do not agree with any part of these terms, you must cease using our services immediately. We reserve the right to modify these terms at any time without prior notice. Your continued use of our platform following any changes constitutes your acceptance of the modified terms. These terms apply to all visitors, users, and others who access our website for any purpose.

User Obligations

You agree to use our website only for lawful purposes and in a manner that does not infringe upon the rights of others or restrict their use and enjoyment. You will not engage in any conduct that restricts or inhibits anyone’s use or enjoyment of our website. You are solely responsible for maintaining the confidentiality of any account information and passwords. You agree to notify us immediately of any unauthorized use of your account. We are not liable for any loss or damage arising from your failure to maintain account security or from your unauthorized use by third parties.

Intellectual Property Rights

All content provided on our website, including text, graphics, logos, images, audio clips, and financial information, is the property of ours or our content suppliers and is protected by international copyright laws. You may view and print pages from our website for personal, non-commercial use only. You may not reproduce, distribute, transmit, display, or perform any content from our website without our prior written permission. This includes our guides on emergency funds, Octopus card budgeting, bank account comparisons, and family financial planning materials.

Limitation of Liability

Our website and educational materials are provided on an “as-is” basis without any warranties, express or implied. We do not warrant that our content is accurate, complete, or free from errors. To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our website or materials. The information provided is for educational purposes only and should not be considered professional financial advice. You should consult with qualified financial professionals before making investment or banking decisions based on our content.

Termination

We reserve the right to terminate or suspend your access to our website at any time and for any reason, including violations of these Terms of Service. Upon termination, your right to use our website ceases immediately. We may also remove or delete content from our website at our sole discretion. Termination will not affect your rights to any content you have previously accessed or downloaded in accordance with these terms. The provisions regarding intellectual property, limitation of liability, and indemnification will survive any termination or expiration of these terms.