Privacy Policy

HKFinancePrep is an independent exam-practice service operated by an individual (sole proprietor) based in Hong Kong. The operator is the data user responsible for personal data handled by hkfinanceprep.com and the HKFinancePrep app. For privacy questions, data access or correction requests, and deletion support, contact info@hkfinanceprep.com.

• Account data — name, email address, account identifier, authentication metadata, and sign-in details handled through Clerk.
• Quiz and usage data — answers, scores, timestamps, selected chapters, topic performance, saved questions (bookmarks), served-question history, drill activity, and statistics.
• Payment metadata — Golden Pass plan, expiry date, checkout status, payment confirmation, receipts, discounts, and Stripe identifiers. Card details are handled by Stripe; we do not see or store full card numbers. If you purchase through the App Store or Google Play, RevenueCat processes the purchase/subscription event and shares a transaction identifier and entitlement status with us so your Golden Pass can be activated; we do not see or store your Apple ID, Google account, or full payment card details in that flow.
• Support communications — emails, receipts, screenshots, or other information you send us when asking for help.
• Technical and security data — device/browser information, IP address, user agent, logs, diagnostics, fraud-prevention signals, and error data generated by our app, hosting, authentication, payment, and security providers.
• Local device data — browser/app storage may hold theme, language, shuffle preference, in-progress quiz state, mock-exam state, saved local state, and offline question cache.

• Authenticate users, secure accounts, and prevent misuse.
• Deliver quizzes, mock exams, saved-question features, bookmarks, drill modes, offline caching, and performance statistics.
• Process Golden Pass payments, upgrades, expiry, renewal requests, credits, refunds, and support issues.
• Maintain, debug, secure, improve, and monitor the service.
• Respond to support, privacy, payment, legal, or security requests.
• Comply with legal, accounting, tax, chargeback, platform, fraud-prevention, and regulatory obligations.

We do not sell personal data to advertisers. Processors may process data outside Hong Kong under their own security, legal, and operational controls. We take reasonable steps to use reputable providers and appropriate safeguards.

• We retain personal data for as long as needed to provide the service, maintain your account, resolve support issues, comply with legal/payment/accounting obligations, prevent fraud or abuse, and handle disputes.
• You may request deletion by using Account → Delete Account or by emailing info@hkfinanceprep.com.
• Note on Deletion Scope: In-app deletion removes app account data controlled by HKFinancePrep from active app systems, including quiz history, saved bookmarks, and served-question records tied to your account, and requests deletion of your Clerk account.
• Some information may remain where retention is required or permitted for legal, tax, accounting, fraud-prevention, chargeback, security, backup, dispute, support, or provider compliance reasons.
• Stripe, Clerk, hosting providers, app stores, and other processors may retain limited records under their own policies and legal obligations.
• Local browser/app data may remain on your device until you clear browser storage, app cache, or reinstall the app.

We use browser/app storage for theme and language preference, quiz options, in-progress quiz and mock-exam state, saved local state, and offline question caching. Authentication and payment providers may use cookies or similar technologies needed for sign-in, checkout, fraud prevention, and security. We do not use advertising or cross-site behavioural advertising cookies.

We use reasonable technical and organisational measures, and rely on established providers, to help protect personal data. No online service, network, database, device, or storage system can be guaranteed completely secure. You are responsible for keeping your account credentials secure.

HKFinancePrep is intended for adults preparing for professional licensing examinations. We do not knowingly collect personal data from children or users under 18. If you believe a minor has provided personal data, contact us so we can review and delete it where appropriate.

We may send service, account, payment, security, support, and legal notices. We do not currently sell personal data or share it with advertisers. If we introduce direct marketing, newsletters, promotional email, or retargeting, we will update this policy and provide any consent or opt-out mechanism required by law before using your personal data for that purpose.

Under the Personal Data (Privacy) Ordinance (Cap. 486), you may request access to and correction of personal data we hold about you. Send requests to info@hkfinanceprep.com. We will respond within 40 days as required by law. A reasonable fee may be charged for access requests where permitted.

We may update this policy from time to time. The revised effective date will reflect changes. Continued use of the service after an update means you accept the updated policy, except where law requires another process.

Questions? Email us at info@hkfinanceprep.com.