保障筆記

Terms of Service

保障筆記 (hk.insurance.guide) · Last updated: 23 June 2026

1. Educational Content Only

保障筆記 provides general educational information about Hong Kong insurance and personal finance. Our content is not financial, insurance, legal, or tax advice, and does not constitute a recommendation of any product. Always consult a licensed adviser before making decisions. We sell no products.

2. Use of YouTube API Services

Our backend tool uses YouTube API Services to upload our own videos to our own YouTube channel. By using our service you agree to the YouTube Terms of Service, and you acknowledge data handling under the Google Privacy Policy. Our own data practices are described in our Privacy Policy.

3. Intellectual Property

All original videos, graphics, and notes published by 保障筆記 are our property. You may share links to our content; you may not reproduce or resell it without permission.

4. No Warranty & Limitation of Liability

Content is provided “as is” without warranty of accuracy or completeness. We are not liable for any loss arising from reliance on the information provided.

5. Changes

We may update these Terms from time to time. Continued use after changes constitutes acceptance.

6. Contact

Questions about these Terms: message us on Instagram at @hk.insurance.guide.