Legal

Website & Platform Terms of Use

The rules that apply when you visit our website, and the additional terms that apply to authorised users of the KoiZai platform.

Last updated: August 17, 2026

On this page

Please read these terms carefully

These Terms of Use explain the rules that apply when you visit the KoiZai website or access the KoiZai platform as an Authorised User. Website users accept Part A and the relevant provisions of Part C by accessing or using the Website. Platform access is permitted only under an applicable Customer Agreement, and an Authorised User must actively accept these Terms when requested. If you do not agree, do not use the relevant Service.

About these Terms and their scope

1.1

These Terms are issued by KoiZai Limited (“KoiZai”, “we”, “us” or “our”) and govern access to and use of: (a) koizai.com and related public webpages (the “Website”); and (b) the KoiZai advice-management platform and related applications made available to authorised organisations and users (the “Platform”).

1.2

Part A applies to everyone who uses the Website. Part B applies additionally to customers and Authorised Users of the Platform. Part C applies to both the Website and Platform unless stated otherwise.

1.3

Access to the Platform is governed by a signed subscription, enterprise, reseller, implementation or other customer agreement, together with the applicable order form, service levels, data-processing terms, security terms, AI terms and other schedules (together, the “Customer Agreement”). KoiZai must not provide paid Platform access without an applicable Customer Agreement. If documents conflict: (a) the data-processing terms prevail for personal-data matters; (b) the security terms prevail for information-security matters; (c) the applicable order form prevails for the specific subscription, modules, fees and term; (d) the main Customer Agreement prevails over its general schedules; and (e) the Customer Agreement prevails over these Terms. A more specific provision prevails over a general provision concerning the same subject.

1.4

KoiZai’s Privacy Policy, applicable Personal Information Collection Statement, Cookie Notice and other policies expressly linked from the Website apply in addition to these Terms. Those documents explain how personal data is handled; they do not transfer ownership of Customer Data to KoiZai or reduce a right that cannot lawfully be limited.

Definitions

In these Terms:

“Authorised User” means an individual permitted by a Customer to access the Platform.
“Customer” means the advisory firm, financial-services business or other organisation that has arranged access to the Platform.
“Customer Data” means information, documents, records, prompts and other content submitted to, stored in or generated through the Platform for a Customer, including client information and financial-planning records. Customer Data does not include KoiZai Materials, Platform Analytics or data that has been irreversibly anonymised so that no individual, Customer or Authorised User can reasonably be identified.
“KoiZai Materials” means the Website, Platform, software, interfaces, designs, documentation, models, methodologies and other materials owned or licensed by KoiZai, excluding Customer Data.
“Output” means a report, calculation, scenario, draft, response or other result generated by the Platform for a Customer from Customer Data. Output may contain or reflect KoiZai Materials and may not be unique.
“Platform Analytics” means technical, operational and usage information about the performance, security and use of the Platform that does not identify, and cannot reasonably be used to identify, an individual, Customer or Authorised User.
“Subprocessor” means a third party engaged by KoiZai to process Customer Data on KoiZai’s behalf in providing the Platform.
“Services” means the Website, Platform and related services supplied by KoiZai.

Acceptance, authority and eligibility

3.1

By accessing the Services, you confirm that you have legal capacity to accept these Terms. An individual does not bind a Customer merely by using the Platform. The Customer must enter into the applicable Customer Agreement through an authorised representative, and each Authorised User must accept these Terms when prompted and comply with the Customer’s policies and Customer Agreement.

3.2

The Platform is intended exclusively for professional and business use by authorised organisations and their users. These Terms do not create a contract between KoiZai and an end client merely because the end client receives a plan, report or communication produced with the Platform. Any consumer-facing service must be supplied under separate consumer terms and privacy notices.

3.3

KoiZai may retain records reasonably necessary to demonstrate the Customer Agreement and these Terms accepted, the version accepted, the person accepting, the date and time of acceptance and related account information, in accordance with applicable privacy law and KoiZai’s retention policy.

Part A

Website Terms

Website information and no personal advice

4.1

Website content is provided for general information about KoiZai and its technology. It is not an offer, recommendation or solicitation to buy, sell or hold any investment, insurance, fund or other financial product.

4.2

Website content is not personal financial, investment, insurance, tax, accounting or legal advice. It does not take account of any person’s objectives, financial situation, needs or circumstances. You should obtain appropriate professional advice before acting on information that may affect you or your clients.

4.3

We use reasonable care when preparing Website content, but information may be incomplete, out of date or contain errors. Product descriptions, features, availability and pricing may change and do not form a binding offer unless expressly included in a Customer Agreement.

4.4

Forward-looking statements are subject to risks and uncertainties. Actual results, features or timing may differ from statements about anticipated developments.

4.5

Nothing in this section permits KoiZai to make a false, misleading or unsubstantiated statement about the Services. Material claims about functionality, security, localisation, regulatory readiness, AI capability and performance must reflect the Service actually available and the commitments in the applicable Customer Agreement.

Permitted and prohibited use

5.1

KoiZai grants you a limited, non-exclusive, non-transferable and revocable permission to access and use the Website for lawful informational and business-evaluation purposes.

5.2

You must not:

use the Services unlawfully, fraudulently or in a way that infringes another person’s rights;
attempt to gain unauthorised access to any account, system, network, code, model or data;
introduce malware, harmful code or material intended to disrupt, damage or degrade the Services;
scrape, crawl, copy or systematically extract content or data except with KoiZai’s written permission or as permitted by applicable law;
reverse engineer, decompile or attempt to discover source code, algorithms or non-public technical components, except where applicable law does not permit that restriction;
remove notices of ownership, confidentiality, copyright or trade marks; or
misrepresent your identity, authority, relationship with KoiZai or the source of any content.

Intellectual property and limited reuse

6.1

KoiZai and its licensors retain all rights in the KoiZai Materials. KoiZai’s name, logo and other brand elements are trade marks or protected brand assets of KoiZai Limited or their respective owners.

6.2

You may view, download or print reasonable extracts from publicly available Website content for your internal, non-commercial evaluation, provided that you do not alter the content or remove ownership notices. Any other reproduction, distribution, framing, publication, commercial reuse or creation of derivative material requires KoiZai’s prior written permission unless permitted by law.

6.3

You may link fairly to the Website if the link is lawful, does not suggest endorsement or affiliation, and does not frame the Website or misrepresent KoiZai. We may ask you to remove a link that breaches these requirements.

Feedback and submissions

7.1

If you voluntarily provide general product feedback, ideas or suggestions that are not confidential, you grant KoiZai a worldwide, royalty-free, perpetual licence to use and incorporate them into its products and services without an obligation to compensate you.

7.2

Clause 7.1 does not apply to personal data, Customer Data, client records, confidential information, financial plans, documents submitted through the Platform or material owned by a Customer or third party. Those materials are handled under Part B, the applicable Customer Agreement and KoiZai’s privacy and data-processing terms.

Third-party websites and content

8.1

The Website may link to services operated by third parties. Those services are independent of KoiZai and may have their own terms and privacy practices. A link does not mean that KoiZai endorses or guarantees the third party or its content.

8.2

KoiZai is not responsible for third-party websites, products or services, except to the extent responsibility cannot lawfully be excluded or KoiZai has expressly accepted responsibility in a Customer Agreement.

Website availability and changes

9.1

We may update, suspend or withdraw Website content or functionality. We do not guarantee that the Website will always be available, uninterrupted, secure or free from errors.

9.2

Planned material changes to paid Platform services are governed by the applicable Customer Agreement and are not covered solely by this Website clause.

Part B

Additional Platform Terms

Platform access and Customer Agreements

10.1

KoiZai provides Platform access only to Customers that have entered into an applicable Customer Agreement and to Authorised Users approved under that agreement. Access is limited to the subscription term, modules, territories, user numbers and permitted purposes stated in the Customer Agreement.

10.2

If the Customer receives the Platform through an adviser, dealer group, reseller, employer or other service provider, that organisation may administer access and may impose additional lawful requirements. KoiZai is not responsible for advice or services independently provided by that organisation.

10.3

Subject to the Customer Agreement and payment of applicable fees, KoiZai grants the Customer a limited, non-exclusive, non-transferable right during the subscription term to permit its Authorised Users to access and use the contracted Platform modules for the Customer’s internal business purposes. No right to source code, models, methodologies or non-public technical components is granted.

Accounts and security responsibilities

11.1

Each Authorised User must use their own account, keep credentials confidential and use multi-factor authentication where required or made available. Accounts must not be shared.

11.2

The Customer is responsible for approving users, assigning appropriate access rights, promptly removing access when it is no longer required, and ensuring that Authorised Users comply with these Terms and the Customer Agreement.

11.3

You must promptly notify KoiZai through the support or security contact specified by KoiZai if you suspect unauthorised access, loss of credentials, a security incident or improper use. You must not exploit a vulnerability, access another person’s data, disrupt the Services or disclose a vulnerability in a way that creates avoidable harm. Good-faith security research reported in accordance with KoiZai’s published vulnerability-disclosure process will be handled under that process and applicable law.

11.4

KoiZai may require password changes, multi-factor authentication or other proportionate security measures. KoiZai will not ask you to disclose a password to KoiZai personnel.

11.5

KoiZai will maintain technical and organisational measures reasonably designed to protect Customer Data against unauthorised or accidental access, processing, erasure, loss or use. The applicable Security Schedule must describe the material controls, including access control, authentication, encryption, logging, vulnerability management, secure development, backup, resilience and incident response, and must be verified against KoiZai’s actual practices before commitment.

11.6

KoiZai will publish and maintain a responsible vulnerability-disclosure channel, acknowledge good-faith reports within a reasonable period and provide status updates appropriate to the severity of the reported issue.

Customer Data, privacy and permitted processing

12.1

As between KoiZai and the Customer, the Customer retains its rights in and control over Customer Data. Subject to third-party rights and the Customer Agreement, the Customer may use Output generated for it for its lawful internal business and client-service purposes. KoiZai retains all rights in the KoiZai Materials, including software, interfaces, models, methodologies, calculation logic, generic templates and know-how embodied in or used to produce Output. Nothing transfers ownership of Customer Data to KoiZai or ownership of KoiZai Materials to the Customer.

12.2

The Customer grants KoiZai and its approved service providers a limited right to host, copy, transmit, analyse, display and otherwise process Customer Data only as reasonably necessary to:

provide, maintain, secure and support the Platform;
follow lawful instructions from the Customer;
prevent fraud, misuse or security threats;
meet legal and regulatory obligations; and
perform other processing expressly permitted by the Customer Agreement, data-processing terms or applicable privacy notice.

12.3

KoiZai may create and use Platform Analytics and irreversibly anonymised or aggregated service information for security, fraud prevention, capacity planning, analytics and service improvement only where it cannot reasonably identify an individual, Customer or Authorised User. KoiZai will apply proportionate re-identification-risk controls and will not attempt to re-identify such information. Pseudonymised information remains Customer Data and, where applicable, personal data.

12.4

KoiZai will not use identifiable Customer Data, personal data, client records, prompts or Output to pre-train, train, fine-tune or improve a shared or general-purpose AI model. This restriction applies to KoiZai and its providers. KoiZai may use Platform Analytics and information meeting clause 12.3, subject to applicable law and the Customer Agreement.

12.5

The Customer is responsible for ensuring that it has a lawful basis and all necessary notices, permissions and authority to submit and instruct KoiZai to process Customer Data. KoiZai remains responsible for its own compliance obligations and for processing it determines independently, including account administration, billing, security, fraud prevention and legal compliance, as described in the applicable privacy notice.

12.6

Before Customer Data is processed through the Platform, binding data-processing terms must state the parties’ roles, processing purposes, categories of data and data subjects, documented instructions, confidentiality, security measures, approved Subprocessors, hosting locations, cross-border transfers, assistance with access and correction requests, incident procedures, retention, return, export, deletion and audit or assurance arrangements.

12.7

KoiZai will maintain a current list of material Subprocessors and provide the notice and objection process stated in the data-processing terms before appointing a new Subprocessor that will materially affect the processing of Customer Data. KoiZai will impose written privacy, confidentiality and security duties appropriate to the services performed.

12.8

KoiZai will notify the affected Customer without undue delay after becoming aware of a confirmed personal-data or security incident affecting that Customer’s Customer Data. KoiZai will provide information reasonably available to support assessment, notification and remediation, give material updates and cooperate as required by the Customer Agreement, data-processing terms and applicable law.

12.9

KoiZai will retain Customer Data only for the contracted purposes and applicable legal or regulatory requirements. On termination, KoiZai will make Customer Data available for export and securely delete or return it within the periods and subject to the backup and legal-hold provisions stated in the Customer Agreement and data-processing terms.

Ask Koi, automation and AI-enabled features

13.1

Ask Koi and other automated or AI-enabled features support analysis, workflow and adviser decision-making within their documented intended use. They do not replace professional judgement and do not constitute personal financial, investment, insurance, legal, accounting or tax advice from KoiZai to an end client.

13.2

AI-generated or automated Output may be incomplete, inaccurate, biased, inconsistent or unsuitable, particularly where source data is incomplete, incorrect, outdated or used outside its intended context. An appropriately qualified and authorised person must review relevant inputs, sources, assumptions, calculations, Output and supporting records before relying on it or communicating it to a client.

13.3

The Customer and its advisers remain responsible for:

understanding the client’s objectives, circumstances and needs;
determining suitability and meeting applicable conduct, disclosure and record-keeping requirements;
applying professional judgement and approving all advice and recommendations;
checking material calculations, assumptions and data; and
maintaining appropriate human oversight of automated workflows and decisions.

13.4

Users must not present AI-generated content as having been independently approved by KoiZai or use an automated output as the sole basis for a regulated, high-impact or legally significant decision where human review is required.

13.5

Where an Authorised User or end client interacts directly with an AI-enabled feature, the interface must prominently identify that AI is being used and state that Output may be inaccurate. For a high-risk use, the disclosure must be shown at the relevant interaction and not only once during onboarding.

13.6

KoiZai will maintain a risk-based AI governance programme appropriate to the intended use of each AI-enabled feature. It will include documented ownership, use-case classification, model and provider due diligence, pre-release validation, end-to-end and calculation testing, human-oversight design, security and privacy controls, material-change assessment, ongoing monitoring, incident escalation and decommissioning.

13.7

For AI-enabled features used in advice preparation or another high-impact context, KoiZai will maintain records reasonably sufficient to identify the relevant feature or model version, material configuration, input and Output, testing status and approval or review steps, subject to the Customer Agreement, privacy law and retention requirements.

13.8

The Customer must not use an AI-enabled feature outside its documented intended use, bypass required human-review controls, input data it is not authorised to use, attempt to extract model or other customers’ information, or use Output to discriminate unlawfully or make a solely automated decision where human review or another safeguard is required.

Professional and regulatory responsibilities

14.1

KoiZai supplies technology and related services. Unless expressly stated in a Customer Agreement, supported by the required authorisation and implemented with appropriate controls, KoiZai does not act as the Customer’s financial adviser, broker, insurer, trustee, fiduciary, dealer or agent; recommend or distribute a financial product to an end client; or execute, route or transmit an investment or trading instruction.

14.2

The Customer is responsible for ensuring that its use of the Platform, configuration, workflows, documents, advice and communications comply with the laws, professional standards and regulatory requirements that apply to its business and jurisdictions.

14.3

Localised content, language support, templates or calculations do not by themselves confirm legal or regulatory compliance in a particular jurisdiction. Customers must validate the Platform’s configuration and outputs for their intended use.

14.4

Before enabling a feature for investment recommendations, investment advice, investment research, product distribution, execution or another potentially regulated activity, KoiZai and the Customer must complete the regulatory, risk and control assessment required for the intended jurisdiction and use. A disclaimer does not replace any licence, authorisation, suitability, disclosure, governance or conduct obligation that applies to the activity actually performed.

Connected services and third-party providers

15.1

The Platform may connect with third-party products, data sources or services selected by KoiZai or the Customer. Use of those services may be subject to separate terms, charges, licences and privacy practices.

15.2

KoiZai is not responsible for an interruption, error or loss caused solely by a third-party service outside KoiZai’s reasonable control, but this does not limit obligations KoiZai has expressly accepted for integration management, security or subcontracting under a Customer Agreement.

15.3

Where a third-party provider processes Customer Data for KoiZai, KoiZai remains responsible for selecting and overseeing that provider to the extent stated in the Customer Agreement and data-processing terms. KoiZai will not rely on clause 15.2 to exclude responsibility for its own failure to exercise the contractually required care in selecting, configuring, securing or managing a provider or integration.

Platform availability, support and changes

16.1

Service availability, maintenance windows, support channels, response targets, backups, disaster recovery and service credits are governed by the applicable Customer Agreement and service-level terms.

16.2

KoiZai may update the Platform to improve functionality, security, performance or compliance. KoiZai will provide notice of material changes where required by the Customer Agreement or applicable law and will use reasonable efforts to avoid materially reducing contracted core functionality during the subscription term.

16.3

KoiZai will assess material Platform and AI-model changes for security, privacy, regulatory and functional impact before release. If a planned change would materially reduce contracted core functionality, materially alter permitted Customer Data use or create a new material compliance burden, KoiZai will follow the notice, acceptance and termination provisions of the Customer Agreement and clause 21.

Suspension, termination and data exit

17.1

KoiZai may suspend access immediately only where reasonably and proportionately necessary to address a material security threat, suspected unlawful activity, material misuse, risk to another customer or user, or a legal or regulatory requirement. Where practicable, KoiZai will notify the Customer, explain the general reason, limit the suspension to the affected users or functions, review the suspension and restore access promptly when the relevant risk is controlled.

17.2

For an ordinary remediable breach, KoiZai will follow the notice and cure process in the Customer Agreement before terminating paid Platform access. KoiZai may also suspend or terminate access for non-payment or when the Customer Agreement ends, as provided in that agreement.

17.3

Data export, transition assistance, retention and secure deletion following termination are governed by the Customer Agreement and data-processing terms. Those documents must state the export period, available format, transition support, applicable charges, deletion timetable, backup treatment and legal-hold exceptions. KoiZai will not claim ownership of Customer Data merely because an account is suspended or terminated.

17.4

KoiZai will not deliberately prevent a Customer from retrieving Customer Data during the agreed export period, except to the extent access must be restricted for security, law, non-payment or protection of another person’s rights. Any restriction must be applied proportionately, and KoiZai will provide a reasonable alternative export process where lawful and practicable.

Part C

General Legal Terms

Confidentiality

18.1

Each party must protect confidential information received from the other using at least reasonable care and no less care than it uses for its own comparable information. It may use confidential information only for the permitted contractual purpose. Confidential information does not include information that is lawfully public, already known without restriction, independently developed without use of the disclosed information or lawfully received from another source without a duty of confidence.

18.2

Confidential information may be disclosed only to personnel and approved service providers who need it for the permitted purpose and are subject to suitable confidentiality duties, or where disclosure is required by law. Where legally permitted, the receiving party will give reasonable prior notice of compelled disclosure and disclose only what is legally required.

18.3

These confidentiality duties continue during use of the Services and after it ends for the period stated in the Customer Agreement. Trade secrets and personal data remain protected for so long as they retain that character or applicable law requires. More detailed confidentiality obligations in a Customer Agreement prevail over this section.

18.4

On request or termination, each party will return or securely destroy the other party’s confidential information, subject to agreed backup cycles and legal or regulatory retention. Nothing prevents a party from seeking urgent injunctive or equitable relief for actual or threatened misuse of confidential information.

Disclaimers

19.1

To the fullest extent permitted by law, the Website and publicly available content are provided “as is” and “as available”. KoiZai does not give an implied guarantee that Website content will be complete, current, error-free or suitable for a particular purpose.

19.2

Warranties and service commitments for the paid Platform are those expressly stated in the Customer Agreement. Nothing in these Terms excludes a warranty, right or remedy that cannot lawfully be excluded or limited.

Limitation of liability

20.1

Nothing in these Terms excludes or limits liability to the extent that it cannot be excluded or limited under applicable law, including liability for fraud or fraudulent misrepresentation and any other liability that the law requires to remain unlimited.

20.2

Subject to clause 20.1 and to the fullest extent permitted by law, KoiZai is not liable in connection with free Website use for indirect or consequential loss, loss of profit, revenue, business opportunity, goodwill or anticipated savings, or loss caused by reliance on general Website information. This clause does not exclude loss to the extent caused by KoiZai’s fraud, wilful misconduct or liability that cannot lawfully be excluded.

20.3

Liability relating to the Platform, Customer Data, confidentiality, security, AI-enabled features, paid services or a Customer Agreement is governed only by the negotiated liability and indemnity provisions in the applicable Customer Agreement. KoiZai must not provide paid Platform access without those provisions. These Website Terms do not reduce obligations or remedies expressly agreed in the Customer Agreement.

20.4

Each exclusion or limitation applies only to the fullest extent permitted by law, must be interpreted subject to any applicable statutory reasonableness or fairness requirement and will be applied having regard to the nature of the Service, the parties’ bargaining positions, insurance and the allocation of responsibility in the applicable Customer Agreement.

Changes to these Terms

21.1

KoiZai may update these Terms to reflect changes in law, regulation, technology, security practices or the Services. The current version will show its effective date.

21.2

If a change materially affects paid Platform use, KoiZai will ordinarily provide at least 30 days’ advance notice through the Platform, by email or by another method permitted under the Customer Agreement. A shorter period may be used where reasonably required for law, regulation or security. A material change will not apply retroactively or override a Customer Agreement except as permitted by that agreement or applicable law.

21.3

For a material change affecting price, liability, Customer Data use, core functionality or another substantive contractual right, KoiZai will obtain affirmative acceptance where required by the Customer Agreement or applicable law. If a Customer does not accept a materially adverse change, it may use the objection or termination rights stated in the Customer Agreement. Continued use constitutes acceptance only where that method is legally effective and the change was clearly notified.

International access

22.1

The Services may be accessible from different jurisdictions, but availability does not mean that every feature is lawful or suitable for use in every location. You are responsible for complying with laws applicable to your access and use.

22.2

Cross-border data processing and local regulatory requirements must be addressed through the Customer Agreement, data-processing terms, approved hosting and transfer arrangements, and the Customer’s compliance assessment. KoiZai may restrict features or access in a jurisdiction until the required legal, privacy, security and regulatory review is complete.

22.3

Hong Kong-governed Terms are not a substitute for mandatory local terms. KoiZai will use a country-specific addendum where reasonably necessary for privacy, financial-services regulation, consumer rights, electronic contracting, data transfers or dispute resolution in a market where the Platform is offered.

Governing law and jurisdiction

23.1

These Terms and any non-contractual dispute arising from them are governed by the laws of the Hong Kong Special Administrative Region.

23.2

Subject to any dispute-resolution process in a Customer Agreement and any rights that cannot lawfully be excluded, the courts of the Hong Kong Special Administrative Region have exclusive jurisdiction.

General provisions

24.1

If any provision is held invalid or unenforceable, it will be modified to the minimum extent necessary or removed, and the remaining provisions will continue in effect.

24.2

A failure or delay in exercising a right does not waive that right. Headings are for convenience and do not affect interpretation.

24.3

The parties do not intend any term of these Terms to be enforceable by a person who is not a party to them. The Contracts (Rights of Third Parties) Ordinance (Cap. 623) is excluded to the fullest extent permitted by law. This does not affect a right or remedy of a third party that exists independently of that Ordinance.

24.4

These Terms may be provided in more than one language. Unless KoiZai expressly states otherwise, the English version prevails if there is an inconsistency, subject to applicable law.

24.5

You may not assign or transfer your rights under these Terms without KoiZai’s prior written consent. KoiZai may assign these Terms as part of a genuine merger, reorganisation or transfer of the relevant business, provided that the assignment does not materially reduce a Customer’s contracted rights. Assignment of a Customer Agreement is governed by that agreement.

24.6

Neither party is responsible for delay caused by an event beyond its reasonable control, except for payment obligations and obligations that can reasonably continue. The affected party must take reasonable steps to reduce the impact and resume performance. Service continuity and disaster-recovery commitments remain subject to the Customer Agreement.

24.7

These Terms, together with the documents expressly incorporated under clause 1, form the agreement concerning their subject matter for Website use. The Customer Agreement forms the agreement for paid Platform use. Nothing limits liability for fraud or fraudulent misrepresentation.

24.8

Notices concerning ordinary Service administration may be given through the Platform or by email. Formal legal notices relating to a Customer Agreement must be given in the manner stated in that agreement.

Contact information

KoiZai Limited
Room 1217, 12/F Leighton Centre, 77 Leighton Road, Causeway Bay, Hong Kong SAR

General enquiries: info@koizai.com

Privacy enquiries and security reports: info@koizai.com, using the subject line “Privacy Enquiry” or “Security Incident” as appropriate. KoiZai will publish dedicated privacy and security contacts before these Terms take effect.

Questions about this document?

Our team is happy to help with anything unclear.

Email the team