Disclaimer
Last updated: April 6, 2026
This Disclaimer applies to the use of Cent Sense and its content. We provide information, tools, and guidance for general educational purposes only. By accessing and using our platform, you acknowledge that you have read, understood, and agree to be bound by the terms outlined in this disclaimer.
General Disclaimer
We provide spending journal tools, expense tracking guidance, and educational resources designed to help you develop awareness of your daily spending habits. Our platform offers information about micro-expenses, monthly patterns, and personal finance awareness techniques commonly used in Hong Kong. However, all information presented on our platform is for educational and informational purposes only.
We do not guarantee the accuracy, completeness, or timeliness of any content. While we strive to provide helpful guidance for expense awareness and spending pattern recognition, individual financial situations vary significantly. The tools and information we offer may not be suitable for all users or all circumstances. We strongly encourage you to verify any information independently and conduct your own research before making financial decisions based on content from our platform.
No Professional Advice
Nothing on our platform constitutes professional financial, legal, tax, investment, or accounting advice. We are not licensed financial advisors, accountants, or tax professionals. Our content is educational material designed to increase awareness of spending habits and encourage mindful consumption tracking through methods like recording daily purchases, categorizing expenses such as bubble tea, coffee, snacks, and transportation costs, and identifying accumulated spending patterns over one month.
We do not provide personalized financial advice tailored to your individual circumstances. If you require professional financial guidance, budgeting assistance, investment advice, or tax consultation, please consult qualified professionals licensed in your jurisdiction. The methods we describe, including cash versus Octopus card or mobile payment tracking, are presented as awareness tools only and may not be appropriate for your specific situation or financial goals.
Liability Limitations
To the fullest extent permitted by law, we disclaim all liability for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of or reliance on our platform, tools, content, or recommendations. This includes but is not limited to damages from financial losses, missed opportunities, changes in personal spending behavior, or decisions made based on information obtained through our platform.
We are not responsible for any errors, omissions, interruptions, deletions of files or emails, defects, delays in operation, or transmission, unauthorized access, viruses, or other harmful components. Your use of our platform is entirely at your own risk. We make no warranties, express or implied, regarding the functionality, accuracy, or suitability of our tools and content for your specific needs. We may update this disclaimer at any time without notice to reflect changes in our practices or applicable law.