Disclaimer
This Disclaimer applies to the use of MoneyTalk HK and its content. We provide information for general purposes only, and the content on our platform is intended to support conversations and planning around couple financial communication and shared household money management in Hong Kong. Your use of our platform indicates your acceptance of these terms.
General Disclaimer
We provide educational content and resources to help couples establish regular money talks, decide between joint and separate account structures, split expenses fairly based on respective salaries, plan large purchases together with shared savings targets, and review household financial situations as a team each month. However, the information presented is general in nature and may not address your specific circumstances.
We make no warranties, expressed or implied, regarding the accuracy, completeness, or timeliness of the content on our platform. While we strive to provide reliable information about couple financial communication in Hong Kong, household budgeting strategies, and fair expense splitting based on income levels, circumstances and regulations can change. We recommend verifying all information independently, particularly information related to Hong Kong tax laws, banking regulations, or financial policies that may affect your personal situation.
We are not responsible for any errors, omissions, or inaccuracies in the content, nor are we liable for any reliance you place on the information provided. The resources we offer are meant to facilitate dialogue between partners about money matters, not to serve as a substitute for professional guidance or advice.
No Professional Advice
We do not provide financial advice, legal advice, tax advice, or investment recommendations. Our platform is designed to help couples communicate better about money, establish shared savings targets, and review their household financial situation together each month. We are not accountants, financial advisors, lawyers, or tax professionals.
Nothing on our platform should be interpreted as financial, legal, tax, or investment advice. If you require professional guidance regarding your specific financial situation, including decisions about joint versus separate bank account structures in Hong Kong, tax implications of various expense splitting arrangements, or planning for significant purchases, you should consult with qualified professionals such as financial advisors, accountants, or solicitors who are familiar with Hong Kong regulations and your personal circumstances.
We encourage couples to use our resources as a starting point for conversations and planning, but all major financial decisions should be made with appropriate professional input. Your financial situation is unique, and what works for one couple may not be suitable for another.
Liability Limits
To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our platform, including but not limited to damages for loss of profits, goodwill, use, data, or other intangible losses, even if we have been advised of the possibility of such damages.
Our total liability to you for any claims arising from your use of our platform shall not exceed the amount you have paid to us, if any. Some jurisdictions do not allow the exclusion of certain warranties or the limitation of liability, so some of these limitations may not apply to you.
We are not responsible for disputes between partners regarding money management decisions, disagreements about fair expense splitting, or relationship issues that may arise from financial conversations. While we provide frameworks for discussing couple financial communication and shared household money management, we cannot be held liable for the outcomes of those discussions or decisions made by you and your partner.
Changes to This Disclaimer
We reserve the right to modify this Disclaimer at any time. Changes will be effective immediately upon posting to our platform. We recommend reviewing this Disclaimer periodically to stay informed of any updates. Your continued use of our platform following the posting of changes constitutes your acceptance of the modified Disclaimer.
Governing Law
This Disclaimer is governed by and construed in accordance with the laws of Hong Kong, without regard to its conflict of law provisions. By using our platform, you agree to submit to the exclusive jurisdiction of the courts of Hong Kong for the resolution of any disputes arising from your use of our platform or this Disclaimer.