Terms of Service
Last updated: April 6, 2026
These Terms of Service govern your use of Cent Sense and its services. By accessing and using our spending journal education platform, you agree to be bound by these terms and conditions. If you do not agree with any part of these terms, you may not use our services.
Acceptance of Terms
By using our platform, 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. Your continued use of our services following any changes constitutes your acceptance of the new terms. We recommend reviewing these terms periodically to stay informed of any updates. If you have questions about any terms, we encourage you to seek clarification before proceeding. Your use of our services implies your complete agreement with all provisions outlined here. We may provide notice of significant changes through our website or other communication channels.
User Obligations and Responsibilities
As a user of our spending journal platform, you agree to use our services responsibly and lawfully. You are responsible for maintaining the confidentiality of any login credentials and for all activities that occur under your account. You agree not to engage in any behavior that could harm our platform, violate laws, or infringe upon others’ rights. This includes unauthorized access attempts, data manipulation, or distributing harmful content. You acknowledge that tracking your personal spending habits is your own responsibility, and we provide educational tools only. You agree to use our services only for legitimate personal finance education and awareness purposes. We expect all users to conduct themselves with integrity while using our platform.
Intellectual Property Rights
All content, design, and functionality of our platform, including but not limited to text, graphics, logos, and software, are the exclusive property of our organization and protected by international copyright and intellectual property laws. You may not reproduce, distribute, modify, or transmit any content from our platform without explicit written permission. Your personal spending journal data remains your own intellectual property, and we claim no ownership over your recorded expenses or personal financial information. However, you grant us the right to process and analyze this data to provide educational insights and spending awareness features. You may not use our platform’s content for commercial purposes or competitive advantage. We respect all intellectual property rights and expect the same from our users.
Limitation of Liability
Our platform is provided on an “as-is” basis without warranties of any kind, express or implied. We do not guarantee that our services will be uninterrupted, error-free, or completely secure. We are not responsible for any direct, indirect, incidental, or consequential damages arising from your use of our platform. This includes financial losses, data loss, or missed opportunities resulting from your spending decisions. While we strive to provide accurate educational content about micro-expenses and spending patterns, we make no guarantees about the outcomes of implementing our awareness techniques. You acknowledge that financial decisions remain your responsibility. We are not liable for any third-party services, payment systems, or Octopus card integrations you may use in conjunction with our platform.
Termination of Services
We reserve the right to suspend or terminate your access to our platform at any time, with or without cause, and with or without notice. Termination may occur if you violate these terms, engage in prohibited activities, or if we determine continued service would be inappropriate. Upon termination, your right to use our platform immediately ceases. You may request deletion of your personal spending data in accordance with applicable privacy laws. We will make reasonable efforts to notify you of termination, but are not obligated to do so. Termination does not relieve you of any obligations incurred prior to the termination date. We may also discontinue our services entirely at our discretion, with notice provided to active users when possible.
Questions About These Terms
If you have any questions or concerns regarding these Terms of Service, we encourage you to reach out to us. We are committed to addressing your inquiries promptly and professionally. Your feedback helps us improve our platform and ensure our terms are clear and fair to all users. We welcome your input on how we can better serve the Hong Kong community in developing spending awareness and financial education. Thank you for being part of our mission to help residents understand and manage their micro-expenses.