Terms of Service

Last updated: May 13, 2026

These Terms of Service govern your use of FinGoal Academy and its services. By accessing and using our website, you agree to be bound by these terms and conditions. If you do not agree with any part of these terms, you must discontinue your use of our services immediately. We reserve the right to modify these terms at any time, and your continued use of our platform constitutes acceptance of any changes made.

Acceptance of Terms

By registering for our personal finance management courses and financial goal-setting programs, you acknowledge that you have read, understood, and agree to comply with these Terms of Service. Your use of our website and services is subject to these terms, as well as all applicable laws and regulations in Hong Kong and internationally. We provide our courses and educational materials on an “as-is” basis, and we do not warrant that the content will always be error-free or uninterrupted. Your access to our platform is a privilege, not a right, and we may suspend or terminate access at our discretion if you violate these terms.

User Obligations and Conduct

You agree to use our services only for lawful purposes and in a way that does not infringe upon the rights of others or restrict their use and enjoyment of the platform. Prohibited conduct includes harassment, discrimination, posting false information, attempting to gain unauthorized access to our systems, and distributing malware or viruses. As a user, you are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to provide accurate and complete information during registration and to update this information as necessary. We are not responsible for unauthorized access to your account if you fail to safeguard your password or login credentials.

Intellectual Property Rights

All content on our platform, including course materials, videos, text, graphics, logos, images, and software, is the intellectual property of our organization or our content providers and is protected by copyright and intellectual property laws. You are granted a limited, non-exclusive license to access and view this content for personal, educational use only. You may not reproduce, distribute, modify, create derivative works from, or publicly display any of our proprietary materials without our explicit written permission. Unauthorized use of our intellectual property may result in legal action and liability for damages. If you believe your intellectual property rights have been infringed, you may notify us through the appropriate legal channels.

Limitation of Liability

We strive to provide accurate and helpful financial education, but we do not guarantee that all information is error-free or suitable for your specific circumstances. You acknowledge that financial decisions based on our course materials are made at your own risk. To the fullest extent permitted by law, we disclaim liability for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services, including loss of profits, data, or goodwill. Our total liability to you shall not exceed the amount you paid for the course or service in question. We are not responsible for third-party content, links, or recommendations, and your use of such resources is at your own discretion and risk.

Termination of Services

We reserve the right to terminate or suspend your access to our services at any time, with or without cause, and with or without notice. Reasons for termination may include violation of these terms, unauthorized use of our platform, payment disputes, or other conduct we deem inappropriate. Upon termination, your right to access our courses and materials ceases immediately. You remain responsible for any outstanding fees or obligations at the time of termination. We will not be liable for any loss of access to course materials, progress, or personal information resulting from termination. If we terminate your account due to a violation, you may not register for our services again without our explicit consent.