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Terms of Service

Last updated: 2026-10-17

This page is a draft and has not been reviewed by legal counsel. Wording and jurisdiction must be confirmed before launch.

1. About this service

MoneySpark AI ("the Service") organises Hong Kong credit card information and makes recommendations based on your spending. The Service is an information tool: it does not constitute financial, investment, tax or credit advice, and it does not apply for cards on your behalf or make credit decisions.

2. Sources and accuracy

  • Card data (reward rates, spend caps, annual fees, minimum income requirements, welcome offers and so on) is read from our local card database, which is compiled from public sources.
  • Issuer terms may change at any time. The issuer's official website and your contract always take precedence.
  • We do not guarantee that the data is up to date, and we are not liable for losses caused by inaccuracies.

3. How we rank

Results are ranked by reward structure and the spending criteria you give us, not by commission. Some application links are affiliate links (via the Creatory affiliate network): if you apply successfully through them, we may receive a commission from the network. This does not change your application terms or costs, and it does not influence ranking or content. Beyond this affiliate arrangement, we accept no paid promotion or sponsored placement from any card issuer.

4. Acceptable use

  • You may not scrape, copy or resell the Service's content in bulk by automated means.
  • You may not use the Service for anything unlawful or for misleading others.

5. Intellectual property

Issuer names, trademarks and card images belong to their respective owners. The Service's name, interface and recommendation logic belong to us.

6. Limitation of liability

To the fullest extent permitted by law, the Service is provided "as is". We are not liable for any loss arising from your use of, or inability to use, the Service. You should verify information yourself and seek professional advice where needed.

7. Changes and governing law

Any update to these terms will be published on this page. These terms are governed by the laws of the Hong Kong Special Administrative Region.