Disclaimer and privacy policy

1. General information only

This website, including all calculators, guided questions, product information and text, is for general education and reference only. It is not insurance, investment, tax, legal or other professional advice, and is not an offer, solicitation or recommendation of any insurance or financial product.

2. Calculators and assumptions

Results are based on what you enter and the assumptions stated in each tool, and are for reference only. Rates of return, inflation and similar figures are assumptions, not guarantees; actual results may differ significantly. Investment involves risk; values can go down as well as up, and past performance is not indicative of future results. Personalised summaries are generated from fixed rules and templates, not a professional analysis of your situation.

3. Insurance product information and comparisons

Comparisons list factual information only, sorted by the value you choose, and do not mean any product is better or more suitable for you. This site does not rate or criticise any insurer. Each product shows its source and update date; premiums, coverage, exclusions and payout conditions are subject to the insurer's latest figures and policy terms. Data marked "Sample" is not a real product. Premiums usually change with age and may change on renewal. Covering more illnesses doesn't mean better cover; insurers may define the same illness and its payout conditions differently.

4. MPF and medical information figures

MPF contributions are estimated using the statutory relevant income limits and contribution rate. Medical fees, medical inflation, cancer statistics and policy updates on the protection facts page are for general education only; the latest official announcements prevail. Statutory figures may change with the Budget and changes in law.

5. Privacy

Everything you enter in the calculators and questions is calculated in your browser only. It is never stored or sent to any server and disappears when you close or reload the page. Downloaded PDF summaries and share images are saved only on your own device.

This site does not use tracking cookies. Fonts are provided by Google Fonts, so your browser connects to Google's servers when loading them.

For personal data you give when booking through WhatsApp, phone or Google Calendar, see the personal data collection statement on the booking page.

6. Third-party links

Links to government websites, insurers and the sister site HK Money Compass are for convenience only. This site is not responsible for their content.

7. Disclosure and operator

This website is run by Cody Chan, an insurance and financial planning consultant. Booking a chat creates no obligation to buy; any product advice must follow a needs analysis based on your situation and the relevant regulations. Where the English and Chinese versions differ, the Chinese version prevails.

Last updated: 2026-11-05