Terms of Service

Last updated: May 13, 2026

These Terms of Service govern your use of WealthFlow Academy and its services. By accessing and using our website, you agree to be bound by these terms and all applicable laws and regulations. If you do not agree with any part of these terms, you may not use our services.

Acceptance of Terms

Your use of our platform constitutes your acceptance of these Terms of Service in their entirety. We reserve the right to modify these terms at any time without prior notice. Your continued use of our services following any changes indicates your acceptance of the updated terms. We recommend reviewing these terms periodically to stay informed of any updates. If you do not accept any modifications we make, you must discontinue your use of our platform immediately. Our services are provided for personal, educational purposes related to personal finance management and money allocation techniques specifically designed for Causeway Bay households. By using our platform, you confirm that you are at least 18 years of age and have the legal capacity to enter into binding agreements.

User Obligations

You agree to use our platform only for lawful purposes and in a way that does not infringe upon the rights of others or restrict their use and enjoyment of our services. You are responsible for maintaining the confidentiality of your account information and password. You agree to accept responsibility for all activities that occur under your account. You will not engage in any conduct that restricts or inhibits anyone’s use or enjoyment of our platform. Prohibited behavior includes harassing or causing distress or inconvenience to any person, transmitting obscene or offensive content, and disrupting the normal flow of dialogue. You must not attempt to gain unauthorized access to our systems, upload viruses, or engage in any form of hacking or data theft. We reserve the right to terminate your account if you violate any of these obligations.

Intellectual Property Rights

All content on our platform, including text, graphics, logos, images, audio clips, digital downloads, and software, is the exclusive property of our organization or our content suppliers and is protected by international copyright laws. You may not reproduce, distribute, transmit, display, or perform any content from our platform without prior written permission. You may download material from our platform for personal, non-commercial use only, provided you retain all copyright and proprietary notices. You are granted a limited license to access and use our educational materials for the purpose of improving your personal finance knowledge and money allocation skills. Any unauthorized use of our intellectual property is strictly prohibited and may result in legal action. You retain ownership of any content you submit, but grant us a perpetual, worldwide, royalty-free license to use such content.

Limitation of Liability

Our platform and services are provided on an “as is” and “as available” basis without any warranties of any kind, either express or implied. We do not guarantee that our services will be uninterrupted, error-free, or free from viruses or harmful components. To the fullest extent permitted by law, we shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of our platform or services. This includes loss of profits, data, or business opportunities. We do not provide financial advice, and any information on our platform should not be considered as such. You should consult with qualified financial professionals before making investment or money allocation decisions. We are not responsible for the accuracy, completeness, or timeliness of any information provided. Your use of our services is at your own risk and discretion.

Termination

We may terminate or suspend your account and access to our services at any time, with or without cause, and without notice or liability. Reasons for termination may include violation of these terms, non-payment of fees if applicable, or any conduct we deem inappropriate or harmful to our platform. Upon termination, your right to use our services ceases immediately. You remain responsible for any obligations incurred prior to termination. We may delete your account and associated data following termination. If you wish to terminate your account, you may do so by contacting our support team. Termination does not relieve you of any obligations you have incurred or any liabilities you have accumulated. The provisions of these Terms of Service that are intended to survive termination, including those regarding intellectual property and limitation of liability, shall remain in effect after termination of your account.

Modifications to Services

We reserve the right to modify, suspend, or discontinue our services or any part thereof at any time. We may add or remove features, change pricing, or alter the functionality of our platform without prior notice. We will not be liable for any modification, suspension, or discontinuation of our services. Your continued use of our platform following any changes constitutes your acceptance of those changes. We strive to provide consistent and high-quality services, but we cannot guarantee that all features will remain available indefinitely. Any updates or modifications will be implemented with consideration for our users’ experience, though we cannot always provide advance notification.

Governing Law

These Terms of Service are governed by and construed in accordance with the laws of Hong Kong, and you irrevocably submit to the exclusive jurisdiction of the courts located in Hong Kong. This choice of law and jurisdiction applies regardless of your location. If any provision of these terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. Your access to and use of our platform is unauthorized in any jurisdiction that does not give effect to all provisions of these terms. We may update these Terms of Service from time to time, and you are responsible for reviewing them periodically to stay informed of any changes.