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. We reserve the right to modify these terms at any time, and continued use of our services constitutes your acceptance of any changes. If you do not agree with any part of these terms, please discontinue use of our platform immediately.

Acceptance of Terms

By registering for our courses and accessing our content, you acknowledge that you have read, understood, and agree to be legally bound by this Terms of Service in its entirety. We provide comprehensive personal finance management and money allocation courses specifically designed for Causeway Bay households and individuals seeking to improve their financial knowledge. Your use of our platform indicates your acceptance of these conditions. If you are under the age of 18, you must obtain parental or guardian consent before using our services. We require all users to provide accurate, current, and complete information during registration and maintain the confidentiality of your account credentials.

User Obligations

You agree to use our services only for lawful purposes and in ways that do not infringe upon the rights of others or restrict their use and enjoyment of the platform. Prohibited behavior includes harassing or causing distress to others, transmitting malicious code, disrupting the normal flow of communication, and engaging in any form of unauthorized access to our systems. You are responsible for maintaining the confidentiality of your login credentials and are liable for all activities conducted through your account. We expect all users to engage respectfully with our content and community. Any violation of these obligations may result in suspension or termination of your account without refund, and we may pursue legal action to recover damages resulting from unauthorized use.

Intellectual Property Rights

All content provided on our platform, including course materials, videos, articles, graphics, and interactive tools, is the exclusive property of our organization and protected by international copyright laws. You are granted a limited, non-exclusive, non-transferable license to access and use this content solely for personal educational purposes. You may not reproduce, distribute, modify, transmit, or create derivative works from any content without explicit written permission. This includes screenshots, recordings, or any attempt to commercialize our materials. We actively monitor and enforce our intellectual property rights. Unauthorized use may result in legal action and damages. Any permitted downloading of materials is for personal use only and must retain all copyright notices and attributions intact.

Limitation of Liability

Our services are provided on an “as-is” and “as-available” basis without warranties of any kind, either express or implied. We do not guarantee that our platform will be uninterrupted, error-free, or free from harmful components. We are not liable for any indirect, incidental, special, consequential, or punitive damages arising from your use or inability to use our services, even if we have been advised of the possibility of such damages. This includes financial losses, lost profits, or data loss. Your sole remedy is the refund of fees paid, if applicable. We disclaim all warranties regarding the accuracy, completeness, or usefulness of any information provided. Users assume full responsibility for their financial decisions based on our educational content, which is provided for informational purposes only and should not be considered professional financial advice.

Termination of Access

We reserve the right to terminate or suspend your access to our platform at any time, with or without cause, and with or without notice. Grounds for termination include but are not limited to violation of these terms, fraudulent activity, non-payment, or any conduct we deem harmful to our community or platform integrity. Upon termination, your right to use our services ceases immediately, and you must cease all access to our content. We may delete your account and associated data. Refunds will be issued in accordance with our refund policy, if applicable. Sections of these terms that by their nature should survive termination, including limitations of liability, intellectual property rights, and dispute resolution, shall remain in effect. Termination does not relieve you of any obligations incurred prior to termination or any liabilities accrued.