Terms of Service

Last updated: April 6, 2026

Acceptance of Terms

These Terms of Service govern your use of Year Review and its services. By accessing and using our website, you agree to be bound by these terms. 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 continued use of our website constitutes your acceptance of any changes. Your use of our services is subject to all applicable laws and regulations in your jurisdiction. We provide annual financial review education and guidance for Hong Kong households, helping you gather bank statements and expense records, compare spending against goals, and plan for the future.

User Obligations

When using our services, you agree to provide accurate and truthful information. You are responsible for maintaining the confidentiality of any account credentials or personal financial information you enter into our platform. You agree not to engage in any unlawful activity, including but not limited to fraud, hacking, or distribution of harmful content. You must not attempt to reverse-engineer or gain unauthorized access to our systems or data. You agree to use our financial review tools responsibly and in compliance with all applicable financial regulations. We encourage you to verify all financial advice and information independently before making decisions. You acknowledge that our guidance is educational and not a substitute for professional financial advice from qualified advisors.

Intellectual Property

All content on our website, including text, images, educational materials, and financial review templates, is protected by intellectual property laws. We grant you a limited, non-exclusive license to use this content for personal financial review purposes only. You may not reproduce, distribute, modify, or transmit any content without our prior written permission. All trademarks, logos, and brand identifiers remain the exclusive property of their respective owners. Your financial data and personal records remain your property, and we do not claim ownership of the information you input into our tools. You retain all rights to your spending records, bank statements, and personal financial documents used during the review process.

Limitation of Liability

We provide our services on an “as-is” basis without warranties of any kind, express or implied. We do not guarantee the accuracy, completeness, or timeliness of financial information or projections generated by our tools. To the maximum extent permitted by law, we are not liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services. Our total liability is limited to the amount you have paid for our services. We are not responsible for third-party content or links to external websites. Your use of our financial review guidance is at your own risk, and you assume full responsibility for decisions made based on information provided through our platform. We recommend consulting professional financial advisors before making significant financial decisions.

Termination

We reserve the right to terminate or suspend your access to our services at any time, with or without cause. Upon termination, your right to use our services ceases immediately. We may retain your financial data for a reasonable period in accordance with applicable data protection laws. Sections regarding intellectual property, limitation of liability, and our rights survive termination. You may discontinue using our services at any time by ceasing to access our website. We will not be liable for any loss or damage resulting from termination of services. If you believe your account has been terminated unfairly, you may seek clarification, though such decisions are final. We reserve the right to update, modify, or discontinue our services at any time.