Last updated: 16 Dec 2025

These Terms & Conditions (“Terms”) govern your participation in the Money Action Club (“the Club”), which is operated by Money Action Limited (“we”, “us”, “our”).

By signing up for the Club, you confirm that you have read, understood, and agree to be bound by these Terms.

1. About the Money Action Club

The Money Action Club is a membership-based community operated by Money Action Limited.

The Club provides access to:

• Educational workshops and events
• Group discussions and facilitated conversations
• Content related to personal finance, career development, professional growth, and related topics
• A moderated WhatsApp-based community

The Club is designed for learning, discussion, and shared experience, not personalised advice.

2. Eligibility and Membership

Membership is open to individuals who:

• Are aged 18 or over
• Provide accurate and complete information during sign-up
• Agree to these Terms & Conditions and the Privacy Policy

Money Action Limited reserves the right, at its discretion, to accept, refuse, suspend, or terminate membership in order to protect the integrity and purpose of the community.

3. Community Platform – WhatsApp

The primary communication platform for the Club is WhatsApp, a third-party platform operated by Meta Platforms, Inc.

By joining the Club, you acknowledge and agree that:

• Access to the Club community is provided via a WhatsApp group
• The phone number used during sign-up must match the phone number used to join WhatsApp for approval
• Your phone number and WhatsApp profile information may be visible to other members within the group
• WhatsApp’s collection and use of personal data is governed by its own terms and privacy policies

Money Action Limited does not control WhatsApp’s platform, data handling practices, or availability.

4. Community Conduct and Guidelines

Members are expected to:

• Communicate respectfully and professionally
• Participate constructively and in good faith
• Respect differing views and experiences
• Maintain the confidentiality of community discussions

The following are not permitted:

• Harassment, abusive or discriminatory behaviour
• Spam, unsolicited promotions, or selling of products or services
• Sharing misleading, false, or harmful information
• Sharing screenshots or content from the community without consent

Money Action Limited reserves the right to remove content or suspend or terminate membership without notice if these guidelines are breached.

5. Educational Nature of Content

All content, discussions, workshops, and materials provided through the Club are for educational and informational purposes only.

They do not constitute:

• Financial advice
• Investment advice
• Legal advice
• Tax advice
• Other professional advice

Money Action Limited does not provide regulated financial advisory services and does not represent itself as a licensed financial adviser.

Members are solely responsible for their own decisions and actions and should seek professional advice appropriate to their individual circumstances where necessary.

6. No Guarantees

Participation in the Money Action Club does not guarantee:

• Financial or investment outcomes
• Career, income, or business results
• Any specific personal or professional outcome

The Club supports clarity, learning, and progress, but outcomes depend on individual circumstances and actions.

7. Personal Data and Privacy

Personal data collected in connection with the Club may include name, email address, phone number, location, and information voluntarily provided by members.

All personal data is collected, used, and handled in accordance with the Personal Data (Privacy) Ordinance (Cap. 486) of Hong Kong.

Further details are set out in our Privacy Policy, which forms part of these Terms.

8. Confidentiality

Members agree to respect the confidentiality of the community.

This includes not sharing messages, screenshots, personal stories, or identifying information outside the Club without explicit consent from the relevant individual.

While reasonable moderation is applied, Money Action Limited cannot guarantee the conduct of all members.

9. Intellectual Property

All materials provided by Money Action Limited, including workshop content, written materials, frameworks, and resources, remain the intellectual property of Money Action Limited unless otherwise stated.

Such materials may not be copied, reproduced, distributed, or used for commercial purposes without prior written consent.

10. Changes to the Club or Terms

Money Action Limited may update, modify, or discontinue any aspect of the Club at its discretion.

These Terms may be updated from time to time.
Material changes will be communicated where appropriate.

Continued participation in the Club constitutes acceptance of the updated Terms.

11. Limitation of Liability

To the fullest extent permitted by law, Money Action Limited shall not be liable for any loss, damage, or claim arising from participation in the Club, including decisions made based on information shared within the community.

Participation is voluntary and at the member’s own discretion and risk.

12. Termination

Members may leave the Money Action Club at any time.

Money Action Limited reserves the right to suspend or terminate membership if these Terms or community guidelines are breached, or if participation is deemed detrimental to the community.

13. Governing Law and Jurisdiction

These Terms & Conditions are governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region.

Any dispute arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of Hong Kong.

14. Contact

For questions regarding these Terms & Conditions, please contact:

Money Action Limited
Email: hello@moneyactioncoach.com
Website: www.MoneyActionCoach.com

Last updated: 19 Jan 2026

Personal Information Collection Statement (PICS)

Money Action Limited (“we”, “us”, “our”) collects personal data in order to operate the Money Action Club, deliver related programs and events, and communicate with members.

The personal data collected may include contact details, demographic information, and information voluntarily provided by you. Such data may be shared with service providers and platform operators (including communication and event tools) for the purposes stated in this Privacy Policy, and may be transferred outside Hong Kong.

You have the right to request access to and correction of your personal data. For details, please refer to the full Privacy Policy below or contact us using the details provided.

Privacy Policy

Money Action Limited (“we”, “us”, “our”) is committed to protecting your personal data and complying with the Personal Data (Privacy) Ordinance (Cap. 486) of Hong Kong (“PDPO”).

This Privacy Policy explains how we collect, use, store, and protect personal data in connection with our website, the Money Action Club, and related workshops, events, and communications.

1. Personal Data We Collect

We may collect the following personal data:

• Name
• Email address
• Phone number (including WhatsApp number)
• City or country of residence
• Demographic information such as age range, gender, and employment status.
• Preferences, interests, and information voluntarily provided through forms or communications

We collect only personal data that is reasonably necessary for the operation of the Money Action Club and related activities.

Providing certain personal data may be optional, however, failure to provide required information may limit our ability to grant access to the Club or specific activities.

2. Purpose of Collection and Use

Personal data is collected and used for purposes directly related to the operation of the Money Action Club, including:

• Administering membership and verifying eligibility
• Managing communications and event invitations
• Providing access to the WhatsApp community
• Delivering workshops, events, and related content
• Responding to enquiries
• Understanding member demographics in order to design, tailor, and improve programs, events, and community experiences.

Demographic information may be analysed in aggregates or anonymised form and is not used to make automated or discriminatory decisions about individual members.

Personal data will not be used for unrelated purposes without your consent, unless required or permitted by law.

3. WhatsApp and Third-Party Platforms

The Money Action Club community is hosted on WhatsApp, operated by Meta Platforms, Inc.

By joining, you acknowledge that:

• Your phone number and profile information may be visible to other members
• WhatsApp’s data handling practices are governed by its own terms and privacy policies
• Money Action Limited does not control WhatsApp’s platform or data processing

You are encouraged to review WhatsApp’s privacy policy before joining.

4. Disclosure and Transfer of Personal Data

We do not sell personal data.

Personal data may be disclosed or transferred, where reasonably necessary, to the following classes of recipients:

• Service providers assisting with administration, communications, or member management
• Communication and messaging platforms (such as email services and WhatsApp)
• Event hosting, registration, or video-conferencing platforms
• Website, database, or cloud service providers
• Professional advisers or regulatory authorities where required by law

Some of these recipients may be located outside Hong Kong. Where personal data is transferred outside Hong Kong, we take reasonable and practicable steps to ensure that such data is handled in a manner consistent with the requirements of the PDPO.

5. Data Retention

Personal data is retained only for as long as necessary to fulfil the purposes for which it was collected, or as required by law.

When no longer required, personal data will be securely deleted or anonymised.

6. Data Security

We take reasonable and practicable steps to protect personal data against unauthorised access, loss, misuse, or disclosure.

However, no system can guarantee absolute security.

7. Your Rights Under the PDPO

Under the PDPO, you have the right to:

• Request access to your personal data
• Request correction of inaccurate or incomplete personal data

Requests should be made in writing using the contact details below.
A reasonable fee may be charged for data access requests as permitted by law.

8. Direct Marketing

We may use your personal data to send information about:

• Money Action Club activities
• Workshops, events, and educational programs
• Community updates and content related to financial and professional growth

By joining the Money Action Club and providing your contact details, you consent (or do not object) to the use of your personal data for the above direct marketing purposes.

You may opt out of receiving direct marketing communications at any time by following the unsubscribe instructions in our messages or by contacting us using the details below.
Your opt-out request will be processed promptly and without charge.

We will not use your personal data for direct marketing beyond the scope described above without obtaining further consent where required under the PDPO.

9. Cookies and Website Analytics

Our website may use cookies or basic analytics tools to improve functionality and understand usage patterns.

You may adjust your browser settings to manage or disable cookies if preferred.

10. Changes to This Privacy Policy

This Privacy Policy may be updated from time to time.

Material changes will be posted on our website with an updated date.
Continued use of our services constitutes acceptance of the updated policy.

11. Contact

For questions, access requests, or concerns regarding this Privacy Policy, please contact:

Money Action Limited
Email: hello@moneyactioncoach.com
Website: www.MoneyActionCoach.com