Disclaimer
Last updated: May 13, 2026
General Disclaimer
This Disclaimer applies to the use of SmartSpend Academy and its content. We provide information for general purposes only and make no representations or warranties regarding the accuracy, completeness, or reliability of the information presented on our platform. All materials, including course content, articles, and resources, are provided on an “as-is” basis without any express or implied warranties.
We do not guarantee that our services will meet your expectations or be uninterrupted, error-free, or secure. While we strive to maintain the highest standards of quality and accuracy, we are not responsible for any errors, omissions, or inaccuracies in the content. Users rely on the information provided at their own risk, and we cannot be held liable for any decisions or actions taken based on our materials.
No Professional Advice
The content on our platform, including personal finance management courses and smart spending habit guidance, is educational in nature and should not be construed as professional financial, legal, or investment advice. We are not licensed financial advisors, accountants, or legal professionals, and our courses are designed to provide general knowledge to young adults in Sha Tin and beyond.
Before making any significant financial decisions, including investments, loans, or major purchases, we strongly recommend consulting with qualified professionals such as certified financial planners, accountants, or legal advisors. Individual circumstances vary, and what works for one person may not be suitable for another. We encourage users to conduct their own research and seek professional guidance appropriate to their specific situation and goals.
Limitation of Liability
To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of our platform or inability to access our services. This includes but is not limited to damages for loss of profits, data, business opportunities, or any other intangible losses, even if we have been advised of the possibility of such damages.
Our total liability for any claim arising out of or relating to these terms or our services shall not exceed the amount you have paid to us in the twelve months preceding the claim. Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of these limitations may not apply to you. We reserve the right to modify these terms and limitations at any time, and such modifications will be effective upon posting to our platform.