Terms of Service

By accessing or using HKlife101.com ("the Website"), you agree to these Terms of Service. If you do not agree, please do not use the Website.

All content, calculators, guides, and comparisons on the Website are provided for general informational and educational purposes only. Nothing on the Website is, or should be construed as, a recommendation, advice, promotion, or solicitation to buy, sell, or hold any insurance product or MPF scheme. The content does not account for your personal circumstances, and figures produced by the calculators are illustrative estimates based on the assumptions you enter — not a quotation, projection, or guarantee.

Information on the Website has not been independently verified and may contain errors or become outdated. Always verify directly with a licensed intermediary or the relevant product provider before making any financial decision.

Creating a forum account requires a valid email address. You're responsible for keeping your login credentials secure. Posts appear under an auto-generated handle; you agree not to attempt to deanonymise other users, impersonate any person or organisation, or use the forum to give or solicit individualised financial advice, sell products, or spam.

We may remove content or suspend accounts that violate these Terms, at our discretion, without prior notice.

You agree not to: scrape or systematically extract data from the Website by automated means without permission; attempt to disrupt or overload the Website's infrastructure; reverse-engineer or misuse the calculators or any underlying code; or use the Website for any unlawful purpose.

The Website's design, text, calculators, and other original content are owned by HKlife101.com or its licensors. You may use the Website for personal, non-commercial reference, but may not reproduce, redistribute, or create derivative works from the Website's content without permission.

The Website is provided "as is" without warranties of any kind, express or implied, including as to accuracy, completeness, reliability, or availability. We do not endorse, recommend, or promote any specific product, provider, or business mentioned on the Website.

To the fullest extent permitted by law, HKlife101.com and its operators accept no responsibility and shall not be liable for any loss, damage, or injury — including direct, indirect, incidental, or consequential damages — arising from your use of, or reliance on, the Website or its content.

The Website may link to third-party sites that we do not control and are not responsible for. We do not guarantee the accuracy or availability of content on linked external sites.

These Terms are governed by the laws of Hong Kong SAR, without regard to conflict-of-law principles.

We may update these Terms from time to time. Continued use of the Website after changes take effect constitutes acceptance of the updated Terms.

Questions about these Terms can be sent through the contact options listed on this site.