Terms of use

Agreement and operator

In these Terms, ‘we’, ‘us’ and ‘our’ refer to the provider of the Central Quants service.

These Terms govern Central Quants at centralquants.com. Creating an account requires agreement to the Terms; a purchase also incorporates the product, term and total shown in its accepted checkout quotation. The Privacy Notice explains personal-data handling and does not waive your statutory privacy rights. If you do not agree, do not create an account or purchase.

The English version is the reference version if translations differ, except where applicable law requires another result. A difference cannot remove mandatory consumer or privacy rights. Please tell us about translation errors.

What the site is

Central Quants provides interview-preparation questions, answers, explanations, drills, learning paths, firm information and authorized study downloads. Material may be created with automated tools and reviewed, but errors can remain. It is educational information, not investment, financial or employment advice, and does not guarantee an interview, job or exam result.

Firm names and trademarks identify the relevant firms or topics. They do not imply sponsorship, endorsement, affiliation or that a firm supplied or verified a question. Trademarks and third-party materials remain subject to their respective rights. Contact us with a specific rights or accuracy concern.

Accounts

You must be at least 18 and able to enter a contract to register or purchase. Provide accurate registration information and an email address you control. Verification completes registration. The site does not routinely verify age. Free accounts currently receive the published free collection; registration or anonymous preview may be paused for operational reasons.

One account is for one person and one bound device at a time. A new-device login normally requires an emailed code and replaces the previous device’s access. Keep passwords and verification codes private, change an issued password when required, and contact us promptly if you suspect compromise. You are responsible for your authorized use; suspected compromise will be reviewed rather than automatically treated as your misconduct.

Personal study licence and limits

We grant a personal, non-exclusive, non-transferable licence to use the collection your account is authorized to access for your own interview preparation. You may read and make reasonable personal notes or printouts. While eligible, you may download the Essential 100 pack through the official download links in PDF, Markdown or ZIP and keep that authorized pack for private study after membership expires. This permission does not extend to exporting the full bank or sharing the pack.

The free collection currently contains 25 questions. Paid access depends on the purchased subscription and published collection. Online first openings are limited to 40 new question bundles in a rolling 24 hours (20 units each, 800 units total). Reopening a content version actually viewed before uses no new-question allowance while access remains current; a substantive revision counts as new. Separate rolling ten-minute network/account/preview request limits may temporarily refuse requests with a retry time. Authorized pack downloads are handled separately from the new-question allowance.

The licence does not transfer ownership. We reserve rights in our software, branding and protected content to the extent those rights exist; third-party rights and statutory exceptions remain unaffected.

What you may not do

• Collect or export the bank in bulk or automate access beyond the official features and authorized pack downloads.
• Redistribute, publish, sell or share protected questions, solutions or download packs without permission, except where applicable law permits.
• Share accounts or credentials, impersonate another person or misuse referral codes.
• Remove or defeat content marks, access controls, recording or usage limits to enable unauthorized use.
• Interfere with the service, exploit vulnerabilities, access another person’s data or disrupt other users. Report suspected vulnerabilities privately using our contact details.

Content protection

Online content may carry visible identifiers, invisible marks and account-specific variants described in the Privacy Notice. We may use these and access records to investigate unauthorized copying. A match is assessed with other available evidence and possible account compromise; it is not conclusive proof of wrongdoing. Security restrictions and appeals follow the process below.

Purchases, custom payments and discounts

Membership is available through recurring subscriptions: HK$79 every two weeks, HK$149 every month, HK$469 every four months, or HK$659 every six months. The full amount is charged at the selected interval until cancelled. The interval, renewal amount and any scholarship or referral discount are shown before confirmation. Monthly equivalents for longer subscriptions are comparisons, not monthly charges. Payment is processed by Stripe.

Referral codes apply only to the monthly subscription. Under the current policy, the discount applies to every payment for the duration of that subscription, until cancelled. Cancel through Manage subscription on the billing page to stop the next renewal; access continues until the paid period ends. A failed renewal does not extend access beyond the paid period. Stopping use alone does not cancel a subscription. Contact us if you cannot access subscription management.

Access starts when payment is confirmed by the provider and the site activates the corresponding entitlement. A success-page redirect alone is not confirmation. Another membership cannot be purchased through this checkout while an existing paid membership or subscription is active. Existing one-time purchases retain their original fixed access period and do not become recurring. The account and study records are not deleted merely because access expires. If a confirmed payment does not activate access, contact us with its order reference.

A custom payment records the amount you choose; it does not purchase, extend or renew membership and does not by itself promise a separate product or service. Any separately agreed purpose must be confirmed with us before paying. Review the base amount, discount and final total before confirmation. Referral codes affect the accepted order quotation; they have no cash value and create no commission or payout entitlement. A code may change or be disabled for future orders without rewriting an already accepted order.

Refunds and service problems

Contact contact@centralquants.com with your account, order reference, date and reason. Requests are reviewed manually; there is no self-service refund button. We aim to acknowledge within seven days and give a decision or progress update within 30 days, subject to any shorter legal deadline. Do not send full card details.

We provide remedies required by applicable law for non-delivery, defective or materially misdescribed services and unauthorized or duplicate charges. We do not offer an additional unconditional change-of-mind refund once paid access has begun or an authorized download has been supplied, but this does not remove any statutory cooling-off, withdrawal, cancellation or refund right. Free access does not automatically convert to a charge. Stopping use or deleting an account alone does not request or trigger a refund.

Approved refunds are returned through the payment provider, normally to the original payment method; provider and bank processing times vary. A confirmed full refund ends the access purchased by that order. A custom-payment refund does not end an unrelated membership. A temporary suspension does not by itself decide refund eligibility. A permanent ban is subject to the non-refundable policy in the restrictions section below. If we permanently discontinue your paid service before its term ends, we will offer an appropriate remedy, including a pro-rata refund for unused access where applicable.

Restrictions, appeals and account closure

We may restrict access to protect the service or investigate a suspected breach, and end access for a substantiated serious or repeated breach. For an automated-access suspension case, Account status provides the broad reason, case reference and submission deadline or paused-clock explanation. You may submit one appeal within 14 eligible days. Invalid drafts do not consume the appeal. A timely appeal remains suspended during human review and does not expire while awaiting that review.

A human rejection, or a valid submission deadline reached without an appeal, results in a permanent account ban under the security workflow. Restrictions may extend to verified linked identities on CQ-controlled services and communities, with manual confirmation where needed. Unavailable appeal access, invalid clocks and failed or uncertain notices preserve remaining submission time. Suspected account compromise holds a ban pending review of ownership and responsibility. An accepted appeal or audited correction clears that case restriction and requires a fresh login; expiry and other independent restrictions still apply.

Account status retains essential recovery, cancellation and support functions. You may also contact us if that page is unavailable, if a deadline or decision seems wrong, or to request correction or account closure. A one-appeal interface does not remove statutory rights or prevent reporting an error. Account closure and data deletion are handled under the Privacy Notice; neither automatically refunds a purchase.

Subject to applicable law and the appeal process above, we retain final discretion over account suspensions, bans and access decisions under these Terms. If your account is permanently banned under this policy, payments for that account are non-refundable under our discretionary refund policy, including the unused part of a membership. This does not exclude a refund or other remedy required by law, prevent review by a competent regulator or court, or remove the right to correct an erroneous decision. A suspected breach may justify a temporary suspension while we investigate; it is not by itself a conclusive finding of misconduct.

Service standards and responsibility

We will provide the paid service with the care and skill required by applicable law. We do not guarantee uninterrupted availability, error-free material or a particular career result. Maintenance, security incidents and events beyond reasonable control may interrupt access. Report material errors or service failures so we can investigate and provide any required remedy.

Our responsibility for loss is determined by applicable law, including its rules on causation, foreseeability and mitigation. These Terms impose no fixed monetary cap. Nothing excludes or limits liability for fraud, death or personal injury caused by negligence, mandatory consumer remedies, data-protection obligations or any liability that cannot lawfully be excluded or limited.

Applicable law and disputes

The law applicable to this agreement and the courts competent to hear a dispute are determined under the applicable conflict-of-laws and jurisdiction rules. These Terms do not select an exclusive court or require arbitration. Mandatory consumer and privacy protections remain available, including any right to bring a claim in your home jurisdiction where the law provides it.

You may contact us with the facts and remedy you seek so we can try to resolve a dispute. This is voluntary and does not delay a legal deadline or prevent contacting a regulator or court. If a clause is unenforceable, the remaining Terms continue to the extent permitted by law. Failure to enforce a clause on one occasion does not waive it generally.

Changes to this page

The date at the top identifies this version. Material changes will be highlighted on the website before taking effect where practicable. Changes apply prospectively and do not retrospectively change an accepted purchase’s price, duration or statutory rights. Where agreement is required for a material change, we will seek it. We may update content and features, but must provide an appropriate remedy if a paid service is materially reduced or discontinued.

How to reach us

About these terms, your account, or a mistake you found in a question, get in touch.

Contact: contact@centralquants.com. Use this company email for support and requests about your own records.

A request about your own records — to see them, correct them or have them deleted — goes the same way; the privacy notice's section on what you can ask for says how it is handled.