Hold On! · Terms of Service

Last updated: October 21, 2026  |  Effective: October 21, 2026  |  v1.0
Terms of Service Privacy Policy Community Guidelines

Welcome to "Hold On!" (the "App"). The App is developed and operated by ChinSion Technology (Hangzhou) Co., Ltd. ("we", "us"). Please read and fully understand these Terms of Service (the "Terms") before using the App. By ticking the consent box, signing in, or using the App, you confirm that you have read, understood and agreed to be bound by these Terms.

Please note: the App is a reference tool for spending decisions. It is not a wallet, a bookkeeping tool, a lending service or a financial product. Every result comes from other users' personal opinions. Results are not financial advice and do not restrict any purchase you make. The App provides no payment, transfer, lending or escrow functions, and moves no money of any kind.

1. Scope of these Terms

These Terms form the agreement between you and us regarding your use of the App. They include the main text and any rules or announcements we have published or may publish later, including the Privacy Policy and the Community Guidelines. All of these documents form an integral part of these Terms and have the same effect. If you do not agree with any part of these Terms, please stop registering for or using the App.

2. The service

3. Accounts and sign-in

4. Rules for posting a request

5. Rules for reviewing

6. Prohibited content and conduct

You must comply with applicable laws and public order. You may not post, upload or distribute:

You may not reverse engineer, crack or tamper with the App; you may not use automation, bulk registration or other technical means to disrupt the service; and you may not exploit bugs for improper gain.

7. Moderation and enforcement

8. Anonymity and traceability

To ease the social pressure of saying no, the App only shows a system-generated alias and geometric avatar in the front end. However, front-end anonymity does not mean the back end is untraceable. We retain the link between alias and account in order to handle reports, pursue violations, and cooperate with lawful investigations by judicial or regulatory authorities. Do not assume that anonymity makes you immune from responsibility.

9. Intellectual property

The App and its software, interface design, icons, text, graphics, trademarks and marks are protected by copyright, trademark and other laws, and are owned by us or the respective rights holders. You may not copy, modify, distribute or commercially use them without written permission. You keep ownership of the requests, reasons and images you post; to provide the service to you and to the community, you grant us a non-exclusive, royalty-free licence to store, display and distribute that content within the App. Uploaded images may be used for content safety review.

10. Data and privacy

We collect, use, store and protect your personal information in accordance with the Privacy Policy, which applies together with these Terms and forms part of them. Please read it carefully.

11. Disclaimers and limitation of liability

12. Changes, suspension and termination

13. Minors

The App is intended for adult users and carries a 17+ App Store age rating. If you are under 18, please read these Terms with a guardian and use the App under their guidance. If you are under 14, please do not register or use the App. The App offers no payment capability, and we do not knowingly collect personal information from minors; if we learn of such a case we will delete it promptly.

14. Changes to these Terms

We may revise these Terms as our business and the law evolve. Revised Terms are published on this page with a new update date; for changes that materially affect your rights we will also notify you in the App. Continuing to use the App after a change takes effect means you accept the revised Terms.

15. Governing law and disputes

These Terms are governed by the laws of the mainland of the People's Republic of China. Disputes arising from these Terms should first be resolved through friendly negotiation; failing that, either party may bring a claim before the competent people's court at the place where ChinSion Technology (Hangzhou) Co., Ltd. is located.

16. Contact us

We will verify and reply as soon as we receive your message.

This English text is provided for convenience only. The Chinese version of these Terms is the governing text; in case of any inconsistency, the Chinese version prevails.