Disclaimer
Last updated: April 6, 2026
This Disclaimer applies to the use of Year Review and its content. We provide information and educational resources for general purposes only. Our platform is designed to help Hong Kong households gather and review their annual financial records, compare spending against goals, and plan for the future. By accessing and using our services, you acknowledge and accept the terms outlined in this disclaimer.
No Professional Advice
The information, tools, and resources provided on our platform are educational in nature and should not be construed as professional financial, legal, investment, tax, or accounting advice. We do not provide personalized financial recommendations tailored to your individual circumstances. While we aim to offer accurate and helpful guidance on annual financial reviews, budget analysis, and goal-setting practices, every household’s financial situation is unique.
Before making significant financial decisions based on information obtained through our platform, we strongly encourage you to consult with qualified professionals including financial advisors, accountants, tax specialists, or legal counsel. These professionals can evaluate your specific situation and provide advice appropriate to your needs. We are not responsible for any financial outcomes resulting from your use of our platform without professional guidance.
Limitation of Liability
To the fullest extent permitted by applicable law, we are not liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use our platform, including but not limited to loss of income, loss of data, or business interruption. This applies even if we have been advised of the possibility of such damages.
Our platform is provided on an “as-is” and “as-available” basis. We make no warranties, express or implied, regarding the accuracy, completeness, timeliness, or reliability of any information presented. While we strive to provide accurate educational content and tools for financial record-keeping, we do not guarantee that our platform will be uninterrupted, error-free, or free from viruses or other harmful components.
Accuracy of Information
We endeavor to provide accurate, up-to-date information about annual financial reviews, expense tracking methodologies, and financial planning principles applicable to Hong Kong households. However, we cannot guarantee the absolute accuracy of all information on our platform. Financial regulations, tax laws, and economic conditions may change, and we may not immediately reflect such changes.
You are responsible for verifying the accuracy and relevance of any information obtained from our platform before relying upon it for financial decisions. We encourage you to cross-reference information with official sources and seek professional advice when needed.
Third-Party Content and Links
Our platform may reference external resources or educational materials. We do not endorse, control, or assume responsibility for the content, accuracy, or practices of third-party websites or resources. Your access to external links is at your own risk, and we are not liable for any damages or losses resulting from such access or use.
User Responsibility
You acknowledge that you are solely responsible for your use of our platform and any consequences thereof. This includes maintaining the confidentiality of any personal financial data you input, protecting your account access, and ensuring compliance with all applicable laws and regulations in Hong Kong and your jurisdiction. We recommend securing your financial documents and personal information appropriately.
Changes to This Disclaimer
We reserve the right to modify this disclaimer at any time without prior notice. Changes become effective immediately upon posting to our platform. Your continued use of our services following any modifications constitutes your acceptance of the updated disclaimer. We recommend reviewing this disclaimer periodically to stay informed of any changes.
Governing Law
This Disclaimer is governed by and construed in accordance with the laws of Hong Kong, without regard to its conflict of law principles. Any disputes arising from or relating to this disclaimer or your use of our platform shall be subject to the exclusive jurisdiction of the courts of Hong Kong.