Disclaimer

Last updated: April 2, 2026

This Disclaimer applies to the use of Cent Tracker and its content. We provide information for general purposes only. The content available through our service, including spending tracking tools, expense categorization features, and payment method guidance, is intended to help you develop greater awareness of your personal spending habits. We do not provide personalised financial advice, investment recommendations, or professional financial guidance.

General Disclaimer

We make no representations or warranties about the accuracy, completeness, or reliability of any information provided through our platform. While we strive to offer useful tools for tracking daily expenses and identifying spending patterns, we cannot guarantee that all features will function without interruption or error. The spending journal feature, expense categorisation system, and payment method tracking tools are designed to increase your awareness of micro-expenses such as bubble tea purchases, coffee transactions, MTR top-ups, and other daily spending. However, we do not warrant that using these tools will necessarily result in reduced spending or changed financial behaviour.

Your use of our service is entirely at your own risk. We are not responsible for any financial decisions you make based on data generated by our tracking system, nor are we liable for any consequences arising from reliance on our spending analysis or categorisation of expenses. The information presented about payment methods—whether cash, Octopus cards, or mobile payment platforms—is educational only and does not constitute a recommendation or endorsement of any particular payment system.

No Professional Advice

We do not provide financial, investment, tax, or legal advice. Nothing on our platform should be construed as professional guidance. Our spending journal and micro-expense tracking tools are designed as awareness instruments only, not as substitutes for consultation with qualified financial advisors, accountants, or other professional service providers. If you require professional financial advice regarding your personal budget, savings goals, or investment decisions, please consult with a qualified professional.

The monthly spending analysis and pattern identification features we offer are meant to help you understand your consumption habits. They are not intended to provide investment advice or professional financial planning. We encourage you to use our tools in conjunction with your own judgment and professional consultation when making significant financial decisions.

Limitation of Liability

To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or use, arising out of or in connection with your use of our service, even if we have been advised of the possibility of such damages. This includes any errors or omissions in our content, interruptions in service availability, or issues with the accuracy of expense tracking and categorisation.

We are not responsible for any technical issues, data loss, or service interruptions that may affect your ability to track expenses or access your spending records. We do not guarantee that all information about payment methods, MTR Octopus top-ups, or other Hong Kong-specific services will remain current or accurate. Your reliance on any such information is entirely at your own discretion and risk.

We may update this Disclaimer from time to time. Please check back regularly for changes to these terms. Your continued use of our service following any modifications constitutes your acceptance of the updated Disclaimer.