Terms of Service

Acceptance of Terms

These Terms of Service govern your use of Piggy Wisdom and its services. By accessing and using our website, you agree to be bound by these terms and all applicable laws and regulations. If you do not agree with any part of these terms, you may not use our services.

We reserve the right to modify these terms at any time. Your continued use of our website following any changes constitutes your acceptance of the new terms. We recommend reviewing this page periodically to stay informed of any updates. The date of last update is provided at the top of this document to help you track changes.

Our website is intended for educational purposes to help families in Hong Kong understand financial literacy and pocket money management for children. We provide general information and guidance based on common practices and age-appropriate financial education principles.

User Obligations and Responsibilities

When using our services, you agree to use our website only for lawful purposes and in ways that do not infringe upon the rights of others or restrict their use and enjoyment. You are responsible for maintaining the confidentiality of any account information and for all activities that occur under your account.

You agree not to:

• Use our website in any manner that could damage, disable, or impair our services
• Attempt to gain unauthorized access to our systems or networks
• Transmit any harmful, offensive, or illegal content
• Engage in any form of harassment, abuse, or discriminatory behavior
• Violate any applicable laws or regulations
• Interfere with other users’ access to or enjoyment of our website

You acknowledge that the information provided on our website is for educational and informational purposes only. Implementing any financial guidance or recommendations is at your own discretion and responsibility.

Intellectual Property Rights

All content on our website, including text, graphics, logos, images, and software, is the exclusive property of our organization or our content suppliers and is protected by international copyright laws. This includes articles about lai see money traditions, pocket money management strategies, and visual guides for piggy banks and envelope tracking systems.

You are granted a limited, non-exclusive, non-transferable license to view and print content from our website for personal, non-commercial use only. You may not reproduce, distribute, transmit, modify, or create derivative works of any content without our prior written permission.

All trademarks, service marks, and logos displayed on our website are the property of their respective owners. Unauthorized use of these marks is strictly prohibited. We respect the intellectual property rights of third parties and expect our users to do the same.

Limitation of Liability

Our website and all content provided are offered on an “as-is” basis without warranties of any kind, either express or implied. We do not guarantee the accuracy, completeness, or timeliness of information presented. While we strive to provide helpful guidance on children’s financial education and pocket money management, we cannot be held responsible for decisions made based on our content.

To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our website or inability to use our services. This includes loss of data, loss of income, or any other pecuniary loss. We are not responsible for any actions taken by third parties or external services referenced on our website.

We do not warrant that our website will be uninterrupted or error-free. We are not liable for any technical difficulties, service interruptions, or other issues beyond our control that may affect your access to our website or services.

Termination of Access

We reserve the right to terminate or restrict your access to our website at any time, with or without notice, for any reason or no reason. This includes cases where we believe you have violated these terms or engaged in conduct that violates applicable laws or harms our website or other users.

Upon termination of your access, your right to use our website immediately ceases. We may delete your account and any associated data at our discretion. You remain responsible for any activities that occurred under your account prior to termination.

Termination will not affect any rights or obligations that arose prior to the date of termination. Sections of these terms that by their nature should survive termination, including intellectual property rights and limitation of liability, shall continue in effect. We may reinstate your access at our sole discretion or refuse future access without explanation.

General Provisions

These terms constitute the entire agreement between you and us regarding your use of our website. If any provision of these terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

Your use of our website is governed by the laws of Hong Kong, and you irrevocably submit to the exclusive jurisdiction of the courts of Hong Kong. We may update these Terms of Service at any time. Continued use of our website following updates constitutes acceptance of revised terms. Your rights and obligations under these terms are non-transferable and may not be assigned without our written consent.