Terms of Service

Last updated: May 13, 2026

These Terms of Service govern your use of Wealth Wise and its services. By accessing and using our website and courses, you agree to be bound by these terms. If you do not agree to any part of these terms, you may not use our services. We reserve the right to modify these terms at any time, and your continued use of our platform constitutes acceptance of any changes. Please review these terms regularly to stay informed of updates.

Acceptance of Terms

By registering for our budgeting and personal finance courses, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. We provide educational content designed to help Hong Kong residents improve their financial literacy and money management skills. Your use of our platform indicates your acceptance of all terms and conditions outlined herein. If you are under 18 years of age, you must have parental or guardian consent before using our services. We maintain the right to refuse service to anyone who violates these terms.

User Obligations

You agree to use our services lawfully and in accordance with all applicable laws and regulations. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You commit not to engage in any unlawful or harmful activities, including harassment, fraud, or distribution of malicious content. You agree not to attempt to gain unauthorized access to our systems or interfere with the normal functioning of our platform. You must not copy, reproduce, or distribute our course materials without explicit written permission. Any violation of these obligations may result in immediate termination of your account.

Intellectual Property

All course materials, including text, videos, graphics, and interactive content, are the exclusive property of our organization and protected by copyright laws. You are granted a limited, non-exclusive license to access and use these materials for personal educational purposes only. You may not sell, license, rent, or otherwise commercially exploit our content. Unauthorized reproduction or distribution of our intellectual property is strictly prohibited. We respect third-party intellectual property rights and expect you to do the same. Any infringement claims should be reported through our designated procedures, and we will investigate and take appropriate action when necessary.

Limitation of Liability

We provide our educational services and content on an “as-is” basis without warranties of any kind. To the maximum extent permitted by law, we are not liable for any indirect, incidental, special, or consequential damages arising from your use of our platform. Our liability is limited to the amount you paid for our services. We do not guarantee that our courses will result in specific financial outcomes or that you will achieve particular financial goals. Financial decisions should be made based on your individual circumstances and in consultation with qualified professionals. We are not responsible for technical interruptions, service delays, or data loss beyond our control.

Termination

We reserve the right to terminate or suspend your account immediately if you violate these Terms of Service or engage in conduct we deem inappropriate or harmful. Upon termination, your right to access our services ceases immediately. We may also discontinue our services or specific course offerings at our discretion. Termination does not relieve you of any obligations incurred prior to termination. If we terminate your account due to your violation of these terms, you may lose access to purchased materials without refund. You may request termination of your account at any time by contacting our support team through our platform.