Terms of Service
PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THE WEBSITE.
By using the Website, you signify your agreement to these Terms of Service. If you do not agree to these Terms of Service, you may not use the Website. In addition, when you use any of our current or future services, you will also be subject to our guidelines, terms, conditions and agreements applicable to those services. If these Terms of Service are inconsistent with the guidelines, terms and agreements applicable to those services, these Terms of Service will control.
These Terms of Service ("Agreement") govern your use of the services provided by HODL by Design ("Company") through its website and any associated applications (collectively, the "Service"), operated under the business brand name “Moneysophy”.
By accessing or using the Service, you agree to be bound by this Agreement.
All questions or comments about the Services should be directed to hello@moneysophy.com
1.Eligibility
The Services are not targeted towards, nor intended for use by, anyone under the age of 18. By using the Services, you represent and warrant that you: (a) are 18 years of age or older; (b) have not been previously suspended from using the Services; and (c) have full power and authority to enter into these Terms and that, in doing so, you will not violate any other agreement to which you are a party.
2. Account Registration
In order to access and use certain areas or features of the Services, you may be required to register for an account. If you create an account via our Services, you agree to: (a) provide accurate, current and complete information; (b) maintain and promptly update your account information to keep it accurate, current and complete; (c) maintain the security of your account and accept all risks of unauthorised access to your account and the information you provide to us; and (d) immediately notify us if you discover or otherwise suspect any security breaches related to your account or the Services.
3. Use of the Service
3.1. You must be at least 18 years old or the legal age of majority in your jurisdiction to use the Service.
3.2. The Service provided by the Company includes coaching and online training courses. You understand and acknowledge that the Company does not guarantee specific results or outcomes from participating in the coaching or training courses.
3.3. You agree to use the Service only for lawful purposes and in compliance with all applicable laws and regulations. You shall not use the Service to engage in any illegal activity or to infringe upon the rights of others.
3.4. The Company reserves the right to modify, suspend, or terminate the Service, in whole or in part, at any time and without prior notice.
3.5. The Company may provide you with access to third-party websites, resources, or content. You acknowledge and agree that the Company is not responsible for the availability, accuracy, or legality of such external sites, resources, or content, and does not endorse and is not responsible or liable for any content, advertising, products, or other materials on or available from such sites or resources.
4. Terms of Sale
Access to certain materials, video and other course content on the Services is made available for purchase. Your payment for any access to any Services is subject to the following terms:
4.1. The price for any Services will be made available via the Services at time of purchase. You may pay for access to the Services in full at the time of your purchase or pursuant to any installment payment plan that we make available.
4.2 If you select an instalment payment plan, you hereby grant Company permission to automatically charge the applicable Services fee to your designated payment method at the beginning of each applicable payment period until all payments have been completed. If you select an instalment payment plan, you agree to keep your designated payment method information, including all billing information, current, complete and accurate.
4.3. Only valid payment methods acceptable to us, or our designated payment processors, may be used to purchase access to our Services. By submitting your order to purchase access to our Services, you represent and warrant that you are authorised to use your designated payment method and authorise us, or our designated payment processors, to charge your purchase to that method. If your payment method cannot be verified or is invalid, your order may be suspended or cancelled automatically. You must resolve any problem we, or our designated payment processors, encounter in order to proceed with your order.
4.4. Please consult our refund policy for information regarding any refunds that may be available for any Services. To be eligible for a refund, you must make a refund request to hello@moneysophy within the applicable time period set forth in the Refund Policy.
4.5. Other than in connection with our Refund Policy, all sales are final and we do not offer any refunds or cancellations. If you select an instalment payment plan, you will be obligated to complete all instalment payments.
4.6. A failure to pay an instalment payment related to any of the Services may result in the immediate suspension or termination of all Services. Upon suspension or termination, you will no longer be able to access your account and any Services. To maintain access to your account and all corresponding Services, your account and payments must be current and in good standing for all programs and Services for which you have registered. Pursuant to our Refund Policy, if your account is suspended or terminated for a failure to pay, you will not receive any refund except at our sole discretion and any scheduled automatic renewals will not occur.
4.7. In the event of an error that results in an incorrect charge, we reserve the right to correct such error and revise your order accordingly if necessary (including charging the correct price) or to cancel the order and refund any erroneous amount charged. In addition, we may, in lieu of a refund as provided in this paragraph, opt to provide you with a service credit, with a value equal to the amount charged to your payment method.
5. Intellectual Property
5.1. The Service and all materials, including but not limited to text, graphics, images, logos, videos, and software, provided by the Company are the property of the Company or its licensors and are protected by intellectual property laws.
5.2. You may not copy, reproduce, modify, distribute, transmit, display, perform, publish, license, create derivative works from, or sell any information or materials obtained from the Service without the prior written consent of the Company.
6. Disclaimer of Warranty
THE SERVICES ARE PROVIDED FOR INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE CONSTRUED AS LEGAL, FINANCIAL OR OTHER PROFESSIONAL ADVICE OR, UNLESS OTHERWISE EXPRESSLY STATED, AS COMPANY’S OFFICIAL POSITION ON ANY SUBJECT MATTER. THE SERVICES SHOULD NOT BE RELIED UPON FOR PURPOSES OF TRANSACTING IN SECURITIES OR OTHER INVESTMENTS. COMPANY DOES NOT REPRESENT OR WARRANT THAT (A) THE SERVICES ARE ACCURATE, COMPLETE, RELIABLE, CURRENT OR ERROR-FREE, OR (B) THE SERVICES OR OUR SERVER(S) ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOU SHOULD USE INDUSTRY-RECOGNIZSD SOFTWARE TO DETECT AND DISINFECT VIRUSES FROM ANY DOWNLOAD FROM THE SERVICES.
EXCEPT AS EXPRESSLY PROVIDED TO THE CONTRARY IN A WRITING BY COMPANY, THE SERVICES ARE PROVIDED ON AN “AS IS” BASIS WITHOUT WARRANTIES OF ANY KIND, AND, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, COMPANY DISCLAIMS ALL STATUTORY AND IMPLIED WARRANTIES, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.
7. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW: (A) IN NO EVENT SHALL THE COMPANY PARTIES BE LIABLE FOR ANY SPECIAL, INDIRECT OR CONSEQUENTIAL DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF USE, LOSS OF PROFITS OR LOSS OF DATA, WHETHER IN AN ACTION IN CONTRACT, TORT (INCLUDING AS A RESULT OF COMPANY’S NEGLIGENCE) OR OTHERWISE, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THESE TERMS OR THE USE OF OR INABILITY TO USE THE SERVICES; AND (B) IN NO EVENT SHALL THE AGGREGATE LIABILITY OF THE COMPANY PARTIES, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING AS A RESULT OF COMPANY’S ALLEGED NEGLIGENCE), PRODUCT LIABILITY, STRICT LIABILITY OR OTHER THEORY, ARISING OUT OF OR RELATING TO THESE TERMS OR THE USE OF OR INABILITY TO USE THE SERVICES EXCEED ANY COMPENSATION YOU PAY, IF ANY, TO COMPANY FOR ACCESS TO OR USE OF THE SERVICES.
YOU ACKNOWLEDGE AND AGREE THAT COMPANY HAS OFFERED THE SERVICES, SET ITS PRICES, AND ENTERED INTO THESE TERMS IN RELIANCE UPON THE WARRANTY DISCLAIMERS AND THE LIMITATIONS OF LIABILITY SET FORTH IN THESE TERMS, AND THAT THE WARRANTY DISCLAIMERS AND THE LIMITATIONS OF LIABILITY SET FORTH HEREIN FORM AN ESSENTIAL BASIS OF THE BARGAIN BETWEEN YOU AND COMPANY. COMPANY WOULD NOT BE ABLE TO PROVIDE THE SERVICES ON AN ECONOMICALLY REASONABLE BASIS WITHOUT THESE LIMITATIONS.
8. Indemnification
You agree to defend, indemnify and hold harmless Company, our independent contractors, service providers and consultants, and our and their respective directors, officers, employees and agents (collectively, the “Company Parties”) from and against any claims, damages, costs, liabilities and expenses (including, but not limited to, reasonable attorneys’ fees) arising out of or related to (a) your use of the Services, (b) any Feedback you provide, (c) your breach of any of these Terms, or (d) your violation of the rights of any third party.
Confidentiality Policy
At HODL by Design ("Company"), operated under the business brand name “Moneysophy” we value the privacy and confidentiality of our users. This Confidentiality Policy outlines how we collect, use, and protect your personal information.
1. Information Collection
1.1. We may collect personal information from you when you register an account, use our services, communicate with us, or participate in surveys or promotions. This information may include your name, email address, contact details, and other relevant information.
1.2. We may also collect non-personal information, such as your device information, IP address, and browsing data, to enhance our services and improve your user experience.
2. Use of Information
2.1. We may use your personal information to:
Provide and maintain our services to you
Process transactions and fulfil your orders
Respond to your inquiries and provide customer support
Send you relevant information, updates, and promotional offers
Improve our services, products, and website
Conduct research, analysis, and market surveys
2.2. We may use aggregated, anonymised data for statistical and analytical purposes.
3. Information Protection
3.1. We implement industry-standard security measures to protect your personal information from unauthorised access, disclosure, alteration, or destruction. However, no data transmission over the internet or electronic storage method can be guaranteed to be 100% secure.
3.2. We will retain your personal information for as long as necessary to fulfil the purposes outlined in this Confidentiality Policy, unless a longer retention period is required or permitted by law.
4. Information Sharing
4.1. We may share your personal information with trusted third parties, including service providers, business partners, and financial institutions, to facilitate the provision of our services and fulfil our obligations to you. These third parties are obligated to maintain the confidentiality of your information.
4.2. We may disclose your personal information if required by law, regulation, or legal process, or if we believe such disclosure is necessary to protect our rights, property, or safety, or the rights, property, or safety of others.
5. Cookies and Tracking Technologies
5.1. We use cookies and similar tracking technologies to enhance your user experience, analyze usage patterns, and deliver personalized content and advertisements. You can control cookies through your browser settings or other applicable controls.
6. Your Rights
6.1. You have the right to access, correct, update, and delete your personal information. If you would like to exercise any of these rights, please contact us using the information provided below.
7. Updates to this Confidentiality Policy
7.1. We reserve the right to update or modify this Confidentiality Policy at any time. Any changes will be effective immediately upon posting on our website. It is your responsibility to review this policy periodically to stay informed of any updates.
8. Contact Us
8.1. If you have any questions, concerns, or requests regarding this Confidentiality Policy, please contact us:
Name of Designated Agent: Sophie Hau
Address: HODL by design, One Capital Place, Room 7B, Luard Rd, 18, Wan Chai, Hong Kong SAR
Email Address: hello@moneysophy.com