Disclaimer

This Disclaimer applies to the use of Fintrack HK and its content. We provide information for general purposes only and do not offer professional financial, legal, or tax advice. The content on our platform is educational in nature and designed to help freelancers and self-employed individuals in Hong Kong understand basic financial organization principles. We strongly recommend that you consult with qualified professionals before making any financial decisions.

General Disclaimer

We make no representations or warranties about the accuracy, completeness, or reliability of the information provided on our platform. While we strive to maintain accurate and up-to-date content, we cannot guarantee that all information reflects current regulations or individual circumstances. The financial and tax landscape in Hong Kong is subject to change, and what applies to one freelancer may not apply to another based on their specific situation, income level, or business structure.

We do not endorse any specific financial products, services, or institutions. Users are solely responsible for verifying all information independently and adapting guidance to their unique circumstances. The principles we outline regarding business account separation, expense tracking, and cash buffer management are general best practices and should be customized to your individual needs.

No Professional Advice

We are not financial advisors, tax consultants, or legal professionals. Nothing on our platform constitutes professional financial, tax, legal, or investment advice. The content about provisional tax payment schedules under IRD rules, MPF voluntary contributions, and income tax obligations is provided as general information only and should not be relied upon as professional guidance.

We strongly advise you to consult with a certified accountant, tax advisor, or financial planner before making decisions regarding tax planning, provisional tax payments, MPF contributions, or business structure. Every freelancer’s situation is unique, and professional personalized advice is essential for proper financial planning and regulatory compliance. We cannot be held responsible for any financial decisions made based solely on information from our platform.

Limitation of Liability

To the maximum extent permitted by law, we shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of our platform or reliance on the information provided. This includes but is not limited to loss of income, business interruption, financial loss, or failure to meet tax obligations. We are not responsible for errors in provisional tax calculations, missed MPF contribution deadlines, or tax assessment issues resulting from decisions made based on our content.

Your use of our platform is entirely at your own risk. We disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We may update this Disclaimer from time to time, and your continued use of our platform constitutes acceptance of any changes we make.