Terms of Use

FinKit is a personal finance platform for Hong Kong, providing free self-service financial calculation tools and educational articles covering mortgage, investment, tax, retirement planning, and related areas.

All tools on the Website perform calculations within your browser. The financial data you enter is never uploaded to our servers.

The calculation results, article content, and information provided on the Website are for reference and educational purposes only and do not constitute any financial, investment, tax, or legal advice.

Each user's financial situation and risk tolerance differ. Before making any financial decision, you should consult a licensed financial adviser, accountant, or other professional, and carefully consider your personal circumstances.

The Website's calculation tools produce estimates based on the data you input and current regulations (such as tax rates, mortgage policies). Actual outcomes may vary due to individual circumstances, market changes, or policy amendments.

• The calculation tools strive to reflect current Hong Kong regulations and market practices, but the Website does not guarantee the absolute accuracy, completeness, or timeliness of calculation results.
• Tax rates, mortgage policies, MPF regulations, and other matters may change at any time. You should refer to official announcements from the government or relevant authorities.
• The Website accepts no liability for any loss or damage arising from the use of or reliance on calculation results.

• All content on the Website (including but not limited to text, images, logos, tool designs, and code) is owned by FinKit or its licensors and is protected by copyright, trademark, and related intellectual property laws of the Hong Kong Special Administrative Region and other applicable jurisdictions.
• You may not copy, modify, distribute, transmit, display, or exploit the Website's content for commercial purposes without prior written permission from FinKit.
• Third-party trademarks and brand names used on the Website (including but not limited to Google Analytics, Vercel, etc.) belong to their respective owners.

When using the Website, you agree to:

• Provide accurate and complete information (when using contact forms or subscription features).
• Not attempt to interfere with, disrupt, or gain unauthorised access to the Website's systems or data.
• Not use automated tools (including but not limited to bots, web crawlers) to make large volumes of requests that affect normal service operations.
• Be responsible for the security of your account (if the Website provides registration functionality).
• Comply with all applicable Hong Kong laws and regulations.

The Website may contain links to third-party websites or services (e.g., banking product pages, partner websites), or embed third-party services (such as Google Analytics, Google AdSense).

• The Website is not responsible for the content, accuracy, or practices of third-party websites.
• Clicking a third-party link takes you away from the Website. Any interaction between you and the third party is governed solely by that third party's terms and privacy policy.
• Third-party services may use cookies or similar technologies to collect information. Please refer to the relevant service's privacy policy.

To the fullest extent permitted by applicable law, FinKit and its owners, officers, employees, or affiliates shall not be liable for:

• Any direct, indirect, incidental, special, or consequential loss or damage arising from the use of or inability to use the Website.
• Decisions or actions taken in reliance on any information or calculation results provided by the Website.
• Service interruptions or data loss caused by technical issues (including but not limited to server failure, network outage, viruses, or malware).
• Any unauthorised third-party access to or modification of your data.

The Website is provided on an "as is" basis without any express or implied warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.

You agree to fully indemnify and hold harmless FinKit from any claims, losses, damages, liabilities, costs, and expenses (including reasonable legal fees) arising from your use of the Website, breach of these Terms, or infringement of third-party rights.

The Website reserves the right to suspend or terminate your access to the Website at any time, without prior notice, for any reason (including but not limited to breach of these Terms).

The Website may amend these Terms from time to time. Material changes will be posted on the Website. We recommend reviewing this page periodically for the latest information. Continued use of the Website after changes are posted constitutes acceptance of the revised Terms.

These Terms are governed by and shall be construed in accordance with the laws of the Hong Kong Special Administrative Region. Both parties agree to submit to the exclusive jurisdiction of the Hong Kong courts. In the event of any discrepancy between the Chinese and English versions, the Chinese version shall prevail.

If you have any questions about these Terms, please contact us through:

• Email: hello@finkit.hk
• Contact form: finkit.hk/contact

• If any provision of these Terms is held invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.
• The Website's failure to enforce any breach of these Terms shall not constitute a waiver of the right to enforce any subsequent breach.
• You may not assign any of your rights or obligations under these Terms; the Website may assign its rights and obligations under these Terms without your consent.