Terms of Service
Last updated: May 13, 2026Acceptance of Terms
These Terms of Service govern your use of Wealth Wise and its services. By accessing, browsing, or using our website and courses, you acknowledge that you have read, understood, and agree to be bound by all provisions contained herein. We provide personal finance management courses and retirement preparation planning services tailored for families in Tsim Sha Tsui and beyond. Your continued use of our platform constitutes your acceptance of these terms. If you do not agree with any part of these terms, you must discontinue use of our services immediately. We reserve the right to modify these terms at any time, and your continued use following any modifications signifies your acceptance of the updated terms. It is your responsibility to review these terms regularly to stay informed of any changes.
User Obligations and Conduct
Users agree to use our services solely for lawful purposes and in ways that do not infringe upon the rights of others or restrict their use and enjoyment of the website. Prohibited behavior includes harassing or causing distress or inconvenience to any person, obscene or abusive language, deliberate intimidation, and disruption of normal flow of dialogue within our platforms. You are responsible for maintaining the confidentiality of any account information and password and for all activities that occur under your account. We will not be liable for any loss or damage arising from your failure to protect your account information. Users must not attempt to gain unauthorized access to our systems, interfere with system functionality, or engage in any form of hacking or data manipulation. Any violation of these conduct requirements may result in immediate suspension or termination of your account without refund.
Intellectual Property Rights
All content provided on our website, including but not limited to course materials, educational resources, text, graphics, logos, images, and software, is the exclusive property of our organization and protected by international copyright laws. We grant you a limited, non-exclusive, revocable license to access and use the content for personal, non-commercial purposes only. You may not reproduce, distribute, transmit, display, or perform any content without our prior written permission. Any unauthorized use of our intellectual property constitutes infringement and may result in legal action. You acknowledge that by using our services, you do not acquire any ownership rights to the materials. We respect intellectual property rights of third parties and expect users to do the same. If you believe any content infringes your rights, please notify us through appropriate channels.
Limitation of Liability
To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use our services. This includes loss of profits, data, or business opportunities. Our total liability for any claim arising from or relating to these terms shall not exceed the amount paid by you, if any, for accessing our services during the twelve months preceding the claim. We provide our courses and educational materials on an “as-is” basis without warranties of any kind, either express or implied. While we strive to provide accurate and helpful information, we cannot guarantee the accuracy, completeness, or suitability of all content for your specific financial situation. You acknowledge that financial decisions should be made in consultation with qualified professionals, and we are not responsible for any financial outcomes resulting from reliance on our materials.
Termination of Services
We reserve the right to terminate or suspend your access to our services immediately, without notice or liability, for any reason, including if you breach any provision of these terms. Upon termination, your right to use our services ceases immediately. You remain responsible for any charges incurred prior to termination. Any provisions that by their nature should survive termination, including intellectual property rights, limitation of liability, and dispute resolution clauses, shall continue in effect. Termination does not relieve you of any obligations incurred before termination. We may also terminate our services or discontinue specific courses at any time, and we will make reasonable efforts to provide advance notice to affected users. Upon termination, you must cease all use of our materials and return or destroy any copies in your possession. The reasons for termination may include but are not limited to violation of these terms, illegal activity, abusive behavior, or non-payment of fees.
Governing Law and Dispute Resolution
These Terms of Service shall be governed by and construed in accordance with the laws applicable to Hong Kong, without regard to its conflict of law principles. You agree to submit to the exclusive jurisdiction of the courts located in Hong Kong for resolution of any disputes. Before pursuing legal action, we encourage you to attempt to resolve disputes through good faith negotiation. If negotiation fails, either party may pursue mediation or arbitration as an alternative to litigation. By using our services, you waive any right to jury trial and agree to resolve disputes on an individual basis. We are committed to resolving customer concerns promptly and fairly. Any legal proceedings arising from these terms must be commenced within one year of the cause of action, or the claim shall be forever barred.