Effective 22 July 2026生效日期：2026 年 7 月 22 日
By using htpi.me or class.htpi.me ("the service"), operated by Horris Tse in Hong Kong ("HtPi", "I"), you agree to these terms. If you do not agree, please do not use the service.
The service includes published writing, paid membership tiers (溪 Stream, 川 River, 海 Ocean), the members' lab, classes and workshops, and related materials such as recordings and slides.
Provide accurate information, keep your credentials secure, and use one account per person. You are responsible for activity under your account. Email verification is required for password-based accounts.
Paid memberships are billed by card through Stripe, monthly or annually, and renew automatically until cancelled. You can cancel at any time; cancellation takes effect at the end of the current billing period, and no partial refunds are given except where the law requires. Prices may change with advance notice — changes apply from your next renewal.
Class fees are one-off and paid by PayMe, FPS or PayPal as listed on each class page. Member discounts apply while your membership is active. If you cannot attend, contact me before the class date — transfers or refunds are handled case by case and at my reasonable discretion. Access to class materials for participants follows the access policy stated on the classes page.
All site content — writing, recordings, slides, notes and design — belongs to HtPi or its licensors. It is provided for your personal, non-commercial use. Members-only content and participant materials must not be shared, reposted, resold or redistributed.
You own what you post in the lab and elsewhere. By posting, you grant HtPi a non-exclusive licence to host and display it as part of the service. Only post what you have the right to share.
Keep the lab respectful: no unlawful, infringing, deceptive or spam content, and no harassment. I may moderate content (including pinning, locking or removing threads and replies) and may suspend accounts that breach these terms.
You may stop using the service or close your account at any time. Because lab threads are conversations that other members contributed to, your contributions may be retained after closure in anonymised form — attributed to a neutral identifier such as "Former member #4F2A" (consistent for one author, different between authors), with your name and account link removed — so that those discussions stay intact and readable. See the Privacy Policy for details and how to request removal of specific posts.
Testimonials you submit are reviewed before anything is published. Publication uses the name and role you provided, in the language you wrote; a shortened excerpt may be shown with the full text available. You may withdraw a published testimonial at any time by contacting me. Titles and organisations are shown for identification only.
Everything on this site and in its classes — including content about finance, markets, trading, data, automation, or health — is educational and informational only. It is not financial, investment, legal, tax, medical or other professional advice, and no client or advisory relationship is created. Interactive tools and models here are deliberately simplified illustrations, not forecasts of real-world outcomes. Markets and automated systems carry real risk of loss; past performance does not indicate future results. Any decision you make, and anything you build or automate, is at your own risk.
The service is provided "as is" and "as available", without warranties of any kind. To the fullest extent permitted by Hong Kong law, HtPi is not liable for indirect or consequential loss, and its total liability for any claim is limited to the fees you paid to HtPi in the twelve months before the claim arose.
I may suspend or terminate accounts that breach these terms. These terms may be updated from time to time; material changes will be notified, and continued use after a change means you accept it.
These terms are governed by the laws of the Hong Kong Special Administrative Region, and disputes are subject to the jurisdiction of the Hong Kong courts. Where the English and Chinese versions of these terms differ, the English version prevails.
使用 htpi.me 或 class.htpi.me（「本服務」，由 Horris Tse 於香港營運，下稱「HtPi」或「我」），即表示你同意本條款。如不同意，請勿使用本服務。
本服務包括已發佈的寫作、付費會籍（溪、川、海）、會員實驗室、課堂與工作坊，以及錄影、簡報等相關教材。
請提供準確資料、妥善保管登入憑證，並以一人一帳戶使用。你須對帳戶下的活動負責。以密碼註冊的帳戶須完成電郵驗證。
付費會籍經 Stripe 以信用卡按月或按年收費，並自動續訂直至取消。你可隨時取消；取消於當前計費期結束時生效，除法律另有要求外不作按比例退款。價格如有調整會預先通知，並於下一次續訂起生效。
課堂費用為單次收費，按各課堂頁面所列以 PayMe、轉數快或 PayPal 支付。會籍有效期間可享會員折扣。如未能出席，請於課堂日期前聯絡我——調堂或退款按個別情況於合理範圍內處理。參加者對課堂教材的存取，依課堂頁面所述的存取政策。
本站所有內容——文章、錄影、簡報、筆記及設計——均屬 HtPi 或其授權方所有，僅供個人非商業用途。會員專屬內容及參加者教材，不得分享、轉載、轉售或再發佈。
你在實驗室及本站其他地方發佈的內容屬於你。發佈即表示你授予 HtPi 非專屬授權，在本服務內存放及展示該內容。請只發佈你有權分享的內容。
請保持實驗室的尊重氛圍：不得發佈違法、侵權、誤導或垃圾內容，不得騷擾他人。我可對內容作出管理（包括置頂、鎖定或移除討論串及回覆），並可暫停違反條款的帳戶。
你可隨時停用或結束帳戶。由於實驗室的討論串是其他會員共同參與的對話，你的貼文在帳戶結束後可能以匿名形式保留——顯示為中性識別碼（例如「Former member #4F2A」，同一作者相同、不同作者各異），名稱及帳戶連結均被移除——使該些討論保持完整而可讀。詳情及要求刪除個別貼文的方式，見私隱政策。
你提交的迴響會先經審核，刊出時使用你提供的名稱與職銜，並以你書寫的語言呈現；頁面可能顯示節錄，全文仍可查閱。你可隨時聯絡我撤回已刊出的迴響。職銜及機構僅供身分識別。
本站及課堂的一切內容——包括關於金融、市場、交易、數據、自動化或健康的內容——僅屬教育及資訊性質，不構成任何財務、投資、法律、稅務、醫療或其他專業意見，亦不建立任何客戶或顧問關係。站上的互動工具與模型均為刻意簡化的示意，並非對真實世界結果的預測。市場及自動化系統存在實際虧損風險；過往表現不代表將來結果。你所作的任何決定、所建立或自動化的任何系統，風險由你自行承擔。
本服務按「現狀」及「可用狀態」提供，不附帶任何形式的保證。在香港法律容許的最大範圍內，HtPi 不就間接或後果性損失承擔責任，且就任何申索的總責任，以申索發生前十二個月內你向 HtPi 支付的費用為上限。
違反本條款的帳戶可被暫停或終止。本條款可不時更新；重大更改會作通知，更改後繼續使用即表示接受。
本條款受香港特別行政區法律管轄，爭議由香港法院管轄。如本條款的中英文版本有歧異，以英文版本為準。
I use privacy-first analytics (Google Analytics) to see which writing gets read. Cookies load only if you accept — decline and nothing is set. See the Privacy Policy. 本站使用注重私隱的分析工具（Google Analytics），了解哪些文章有人閱讀。只有你按「接受」才會載入 cookies；按「拒絕」則不會設定任何東西。詳見私隱政策。
