Terms of Service

Acceptance of Terms

By accessing and using hatung.club, you accept and agree to be bound by the terms and provision of this agreement.

Description of Service

Hatung provides free educational resources for building financial habits, including year-long habit trackers, monthly challenges, and guidance materials. Our tools are for informational and educational purposes only.

Educational Content Only

All content, tools, trackers, and guides provided are for educational purposes and general information only. They do not constitute financial, legal, or professional advice. We do not provide financial services, habit coaching, or personalized financial planning.

No Financial Advice

Hatung does not provide financial advice, financial coaching services, or personalized financial recommendations. All information is educational in nature. For specific financial advice regarding money management, always consult with qualified financial professionals.

Habit Tracking Tools

Our habit tracking templates and tools are provided as educational resources to help you learn about building financial routines. Results from using these tools will vary based on individual circumstances, consistency, and personal commitment to habit formation.

User Responsibilities

You agree to:

• Use the service for educational and lawful purposes only
• Provide accurate information when contacting us
• Not misuse or attempt to gain unauthorized access to our systems
• Understand that all content is educational, not personalized advice
• Take personal responsibility for your financial decisions and habit formation
• Seek professional advice for your specific financial situation

No Guarantees of Results

While our resources are designed to support habit formation, we make no guarantees about the effectiveness of habit tracking or the financial outcomes you may experience. Success depends on individual commitment, consistency, and personal circumstances.

Limitation of Liability

Hatung shall not be liable for any direct, indirect, incidental, special, or consequential damages resulting from the use or inability to use our educational resources, even if we have been advised of the possibility of such damages. This includes any financial decisions made based on our educational content.

No Warranties

Our educational resources are provided "as is" without warranties of any kind. We make no representations about the accuracy, completeness, or suitability of the information for any particular purpose or individual situation.

Intellectual Property

The content, tools, and design of this website are owned by Hatung or its licensors and are protected by copyright and other intellectual property laws. You may use our educational resources for personal, non-commercial learning purposes.

Personal Use Only

Our habit tracking templates and resources are intended for personal use only. You may not redistribute, sell, or use these materials for commercial purposes without explicit written permission.

Third-Party Links

Our website may contain links to external educational resources. We are not responsible for the content, privacy practices, or availability of these external sites.

Modifications

We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting. Your continued use of the service constitutes acceptance of the modified terms.

Governing Law

These terms shall be governed by and construed in accordance with Canadian law, without regard to conflict of law principles.

Contact Information

For questions about these Terms of Service, please contact us through our contact form.