Terms of Service

Last Updated: November 20, 2025

These Terms of Service (“Terms”) govern your use of the HKCM website, materials, study groups, and any related services (“Services”). By accessing or using our Services, you agree to these Terms. If you do not agree, please discontinue use immediately.

1. Educational Purpose Only

All content provided by HKCM—including PDFs, guides, tutorials, study groups, and discussions—is for educational purposes only. We do not provide financial advice, trading recommendations, or investment services.

Any actions you take based on the educational materials are your own responsibility.

2. Eligibility

You must be at least 18 years old, or the legal age in your jurisdiction, to use our Services.

3. User Responsibilities

By using our Services, you agree to:

Use the materials only for lawful and educational purposes
Not misuse or redistribute content without permission
Not engage in harassment, spam, or disruptive behavior in study groups
Provide accurate information when contacting us

4. WhatsApp Study Group Participation

When joining our WhatsApp study group:

Communications may be visible to other group members
You are responsible for the content you share
We may remove participants who violate group rules
You may leave the group at any time

We are not responsible for the actions or messages of other group participants.

5. Intellectual Property

All materials, including PDFs, text, graphics, design elements, layout, and branding, are the property of HKCM or its licensors.

You agree not to:

Copy, distribute, or reproduce materials without permission
Claim ownership of any HKCM content
Use materials for commercial purposes

6. Disclaimer of Warranties

Our Services are provided on an “as-is” and “as-available” basis. We make no guarantees regarding:

Accuracy or completeness of educational materials
Availability or uninterrupted access to the website
Outcomes from applying the information

You acknowledge that markets involve risk and that educational content cannot ensure any results.

7. Limitation of Liability

To the fullest extent permitted by law, HKCM is not liable for:

Any losses, financial or otherwise, resulting from the use of our materials
Decisions you make based on educational content
Issues caused by external platforms such as WhatsApp
Damages arising from interruptions, errors, or unauthorized access

8. Modifications to Services

We may modify, suspend, or discontinue any part of the Services at any time, with or without notice. We are not liable for any changes or service interruptions.

9. Changes to These Terms

We may update these Terms periodically. The latest version will always be posted on this page. Continued use of our Services constitutes acceptance of the updated Terms.

10. Contact Us

If you have questions about these Terms, feel free to contact us:

HKCM Support Team
Email: jielei666@gmail.com