Terms of Service
Last updated: May 13, 2026
Acceptance of Terms
These Terms of Service govern your use of FinanceFlow and its services. By accessing and using our website and courses, you agree to be bound by these terms. We provide personal finance management courses and savings plan strategies specifically designed for professionals in Kowloon and beyond. If you do not agree with any part of these terms, you should not use our services.
Your acceptance of these terms is required to create an account, enroll in courses, or access any educational materials. We reserve the right to modify these terms at any time. Your continued use of our services following any changes indicates your acceptance of the updated terms. We recommend reviewing this page periodically to stay informed of any modifications.
User Obligations
When using our services, you agree to provide accurate and complete information during registration and enrollment. You are responsible for maintaining the confidentiality of your account credentials and are liable for all activities conducted under your account. You must not use our platform for any unlawful purposes or in any way that could damage, disable, or impair our services.
You agree not to attempt unauthorized access to our systems, reproduce or distribute our course materials without permission, or engage in any form of harassment or abusive behavior toward our instructors or other users. We expect all users to conduct themselves professionally and respectfully. Violation of these obligations may result in immediate suspension or termination of your account without refund.
Intellectual Property Rights
All course content, materials, videos, guides, and resources provided through our platform are protected by copyright and intellectual property laws. We retain full ownership of all educational materials, course designs, and proprietary strategies shared within our courses. You are granted a limited, non-exclusive license to access and use these materials solely for your personal educational purposes.
You may not reproduce, distribute, modify, or create derivative works from our content without explicit written permission. This includes downloading course materials for redistribution, sharing login credentials with others, or using our strategies for commercial purposes without authorization. We actively protect our intellectual property and will take legal action against unauthorized use or infringement.
Limitation of Liability
Our services are provided on an “as-is” basis without warranties of any kind, express or implied. We do not guarantee that our courses will produce specific financial results or that our strategies will be suitable for your individual circumstances. Financial markets are unpredictable, and past performance does not guarantee future results. You acknowledge that all investment and financial decisions carry risk.
To the maximum extent permitted by law, we are not liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of our services. This includes losses resulting from reliance on our educational content, course materials, or financial advice provided within our platform. You use our services at your own risk and discretion. We strongly recommend consulting with qualified financial advisors before implementing any strategies.
Termination
We reserve the right to terminate or suspend your account at any time, with or without cause, and with or without notice. Reasons for termination may include violation of these terms, engaging in fraudulent activity, non-payment of fees, or any other conduct we deem inappropriate or harmful to our community. Upon termination, your access to all courses and materials will be immediately revoked.
Termination does not relieve you of any obligations or liabilities incurred prior to the termination date. We will not provide refunds for courses or subscriptions following termination, except as required by applicable law. Any provisions of these terms that are intended to survive termination, including intellectual property rights and liability limitations, will remain in effect indefinitely after termination of your account.
Questions About These Terms
If you have questions or concerns about these Terms of Service, we encourage you to reach out. We are committed to addressing your inquiries and ensuring you understand our policies. Our support team is available to provide clarification on any aspect of these terms or our services.