Terms of Service

Last updated: May 13, 2026

These Terms of Service govern your use of Wealth Harbor 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.

Acceptance of Terms

By using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. We reserve the right to modify these terms at any time without prior notice. Your continued use of our website following any changes constitutes your acceptance of the new terms. It is your responsibility to review these terms periodically for updates. We encourage you to check back regularly to ensure you are aware of any modifications that may affect your rights and obligations when using our platform and accessing our educational resources.

User Obligations

You agree to use our website and services in compliance with all applicable laws and regulations. You are responsible for maintaining the confidentiality of any account information and passwords. You may not engage in any conduct that restricts or inhibits anyone’s use or enjoyment of our services. This includes but is not limited to harassment, defamation, or uploading viruses. You are solely responsible for any content you provide or transmit through our platform. We reserve the right to remove content that violates these terms or any applicable laws without liability.

Intellectual Property Rights

All content on our website, including text, graphics, logos, images, and software, is the property of our organization or our content suppliers and is protected by international copyright laws. You are granted a limited license to access and use our content for personal, non-commercial purposes only. You may not reproduce, distribute, transmit, or exploit any materials without our express written permission. This includes our course materials, educational resources, and financial planning guides designed specifically for families in Tsim Sha Tsui and the broader Hong Kong community. Unauthorized use of our intellectual property is prohibited.

Limitation of Liability

Our website and services are provided on an “as-is” basis without warranties of any kind, express or implied. We do not warrant that our services will be uninterrupted or error-free. To the fullest extent permitted by law, we are not liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use our website or services. This includes loss of profits, data, or business opportunities. Our total liability shall not exceed the amount you paid for our services. Some jurisdictions do not allow limitation of liability, so this provision may not apply to you.

Termination

We reserve the right to terminate or suspend your access to our services at any time and for any reason, including violation of these Terms of Service. Upon termination, your right to use our services will immediately cease. We are not liable to you or any third party for termination of your access. You may terminate your use of our services at any time by ceasing to access our website. Any provisions of these terms that by their nature should survive termination, including intellectual property rights and liability limitations, shall survive any termination or expiration of these terms.