Terms of Service

Last Updated: April 12, 2026

Welcome to examprep.hk (the "Platform"), operated by PICOPICO TECH PTE. LTD. (UEN: 202529124N), a Singapore incorporated private limited company trading as Plainset ("we," "us," or "our"). These Terms of Service ("Terms") govern your use of our website and services. By accessing or using the Platform, you agree to be bound by these Terms.

1. Accounts

Account Creation: You must create an account to access the practice exams. You are responsible for maintaining the confidentiality of your account password and for all activities that occur under your account.

Accurate Information: You agree to provide accurate and complete information (such as a valid email address) when you create an account.

Account Termination: We reserve the right to suspend or terminate your account at our discretion if you violate these Terms, including but not limited to unauthorized sharing of account access.

2. Purchases and Payments

Plans: We offer access through one-time payments for fixed periods (e.g., 1 month, 2 months, or 3 months). These are not recurring subscriptions.

Payment: All payments are processed through Stripe. By making a purchase, you agree to Stripe's terms of service.

Refunds: Due to the digital nature of our content, all purchases are final and non-refundable, except as required by Hong Kong consumer protection laws.

3. Pass Guarantee

Eligibility: Our "Pass Guarantee" is available on all paid plans. To be eligible, you must:

  • Complete a minimum of two (2) full "Simulation Mode" mock exams on our platform for the specific paper you failed.
  • Achieve a score of at least 80% on both simulations.

Claiming: If you do not pass your official exam after meeting the criteria, you must email us at support@examprep.hk within 30 days of receiving your official result. You must provide a clear copy or screenshot of your official result slip.

Remedy: Upon verification, we will extend your access to the relevant materials for one (1) additional month at no extra charge. This is the sole and exclusive remedy under the Pass Guarantee.

4. Intellectual Property

Ownership: All content, including the question bank, logic explanations, and "Plainset" methodologies, is the exclusive property of PICOPICO TECH PTE. LTD. and is protected by international copyright laws.

License: We grant you a personal, non-exclusive, non-transferable license to use the Platform for your own exam preparation.

Restrictions: You are strictly prohibited from copying, distributing, or "scraping" our question bank for commercial use or sharing it with third parties.

5. Acceptable Use

You agree not to:

  • Share your account credentials with others (one account per user).
  • Use automated systems to harvest data from the Platform.
  • Attempt to reverse engineer the Platform's code or AI Recommendation Engine.

6. Disclaimers and Limitation of Liability

No Affiliation: examprep.hk is an independent platform. We are NOT affiliated with, endorsed by, or connected to:

  • The Hong Kong Securities and Investment Institute (HKSI).
  • The Professional Development Programme (PEAK) of the VTC.
  • The Insurance Authority (IA).
  • The Mandatory Provident Fund Schemes Authority (MPFA).
  • Or any other institutions.

"As Is" Basis: The Platform is provided "as is." While we update our question banks to reflect the most likely exam scenarios, we do not warrant that our content is identical to official exam questions or that use of the Platform guarantees a pass.

Limitation of Liability: To the fullest extent permitted by law, PICOPICO TECH PTE. LTD. shall not be liable for any loss of income, exam fees, or indirect damages arising from your use of the Platform.

7. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Republic of Singapore. However, we acknowledge that users in Hong Kong may have certain non-excludable rights under Hong Kong consumer law.

8. Changes to These Terms

We may modify these Terms at any time. Your continued use of the Platform after changes are posted constitutes your acceptance of the new Terms.

9. Contact Us

If you have any questions about these Terms, please contact us at: support@examprep.hk.

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