Terms of Service

Acceptance of Terms

These Terms of Service govern your use of Spend Wise and its services. By accessing, browsing, or using our website and tools for expense tracking, budgeting, and spending analysis, you agree to be bound by these terms in their entirety. 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 without prior notice. Your continued use of our services following any changes constitutes your acceptance of the revised terms. We recommend reviewing this page periodically to stay informed of any updates.

User Obligations

You agree to use our services in accordance with all applicable laws and regulations in Hong Kong and your jurisdiction. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. We are not liable for any unauthorized access to your account resulting from your failure to safeguard your password. You must not engage in any unlawful activity, including but not limited to fraud, hacking, or distributing malware through our platform. You agree not to reverse engineer, decompile, or attempt to derive the source code of our services. You commit to providing accurate and truthful information when registering and using our expense tracking tools. Any violation of these obligations may result in immediate suspension or termination of your account without refund.

Intellectual Property Rights

All content on our website, including text, graphics, logos, images, software, and budgeting frameworks, is the exclusive property of our organization or licensed to us. You are granted a limited, non-exclusive, non-transferable license to access and use this content solely for personal, non-commercial purposes. You may not reproduce, distribute, transmit, display, perform, or publish any content without our prior written consent. This includes our spending analysis methodologies, cost-cutting tips, and budgeting app recommendations specific to the Hong Kong market. Any unauthorized use of our intellectual property constitutes infringement and may result in legal action. We protect our proprietary information and reserve all rights not expressly granted to you under this agreement.

Limitation of Liability

Our services are provided on an “as-is” and “as-available” basis without warranties of any kind, express or implied. We do not guarantee the accuracy, completeness, or reliability of any information, including expense tracking data, budgeting advice, or spending pattern analysis. To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use our services. This includes losses related to data corruption, financial decisions based on our tools, or reliance on our content. Your sole remedy for dissatisfaction with our services is discontinuation of use. We encourage users to verify all financial information independently and consult qualified professionals before making significant spending or investment decisions.

Termination of Account

We reserve the right to terminate or suspend your account and access to our services 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, unauthorized use of our platform, fraudulent activity, or failure to comply with applicable laws. Upon termination, your right to use our services ceases immediately, and we may delete your account data after a reasonable retention period. You may also terminate your account by submitting a written request through our support channels. Upon termination for any reason, all provisions of these terms that by their nature should survive termination will continue in effect, including intellectual property rights, limitation of liability, and indemnification clauses. We are not responsible for any consequences resulting from account termination.

These Terms of Service apply to all users of our website and services in Hong Kong and internationally. By using our platform for daily expense record keeping, analyzing spending patterns, or exploring popular budgeting apps, you acknowledge that you have read, understood, and agree to be bound by these terms.