Disclaimer and privacy policy

1. General information only

This website (including all calculators, articles, market notes, protection facts and card offers) is for general education and reference only. It is not investment, insurance, tax, legal or other professional advice, and is not an offer, solicitation or recommendation of any financial or insurance product.

2. Calculators

Results are based on the information and assumptions you enter and are for reference only. Rates of return are assumptions, not guaranteed returns; actual results may differ significantly. Investment involves risk, values can go down as well as up, and past performance is not indicative of future performance. Calculations do not take into account inflation, tax, fees or your personal circumstances.

3. Data and third-party information

Market data (updated daily) and card offers (updated every two weeks) are taken from the sources listed. They are not real-time and may be delayed or out of date; the latest announcements from the exchanges, the HKMA, card issuers and other official sources prevail. We do not guarantee the accuracy of third-party information.

4. Privacy

The financial information you enter in the calculators is calculated only in your browser and is never sent to any server.

So the check-up can carry on from the last step and build your summary, some results (for example your health score, monthly savings and goal) are saved using your browser's local storage, on your own device only. We cannot see them and they are never uploaded. You can delete them any time with "Erase my data" on the summary page, or by clearing your browser data.

This website does not use tracking cookies. To understand roughly how many people visit, we use Cloudflare Web Analytics to count anonymous visits (for example page views, popular pages, referring sites, approximate region and device type). It uses no cookies, stores nothing on your device, does not identify individual visitors and is not used for advertising.

Fonts are provided by Google Fonts, so your browser connects to Google's servers when loading them.

For personal information you provide when booking by WhatsApp, phone or Google Calendar, see the personal information collection statement on the booking page.

5. Operator

This website is operated by Cody Chan.

6. Language

The English pages are translated from the Chinese originals. Where the two versions differ, the Chinese version prevails.

Last updated: 2026-11-06