Terms of Service

Last updated: April 17, 2026

Acceptance of Terms

These Terms of Service govern your use of Reserve Wise 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, and your continued use of our platform following any changes constitutes your acceptance of the updated terms. We encourage you to review this document regularly to stay informed about any modifications.

User Obligations

As a user of our platform, 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 our website. Prohibited behavior includes harassing or causing distress or inconvenience to any person; obscene or abusive language; insulting, intimidating, or humiliating remarks; and disrupting the normal flow of dialogue in our community. You are responsible for maintaining the confidentiality of any account information and passwords and agree to accept responsibility for all activities that occur under your account. You further agree to provide accurate and truthful information when using our services and to keep your information current and complete at all times.

Intellectual Property Rights

All content on our website, including but not limited to text, graphics, logos, images, and software, is the property of our organization or its content suppliers and is protected by international copyright laws. You may not reproduce, duplicate, copy, sell, resell, or exploit any portion of our services without express written permission from us. Your use of our content is limited to personal, educational, and informational purposes related to savings planning and financial awareness in Hong Kong. All trademarks and service marks displayed on our website are owned by us or our respective owners. Unauthorized use of any materials on our website may violate copyright, trademark, and other applicable laws and could result in legal consequences.

Limitation of Liability

Our website and services are provided on an “as-is” basis without warranties of any kind, either express or implied. We do not guarantee that our services will be uninterrupted, error-free, or free from viruses or other harmful components. To the fullest 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 loss of data, loss of profits, or business interruption. We make no representation that the content on our website is accurate, complete, or error-free. Any reliance on our materials is at your own risk, and we are not responsible for any financial decisions made based on information provided on our platform.

Termination of Access

We reserve the right to terminate or restrict your access to our services at any time and for any reason, including violations of these terms. Upon termination, your right to use our services will cease immediately. We are not liable to you or any third party for any termination of your access or any consequences resulting therefrom. If we terminate your access due to a violation of these terms, you remain liable for any damages or liabilities you have incurred. We may also terminate or suspend services without notice if required by law or in response to legal proceedings. Your obligations under these terms will survive any termination of your access to our website and services.