Introduction

The HOHY Club (Helping Others Help Yourself Club) is a sole proprietorship founded on May 19, 2026, by Mr. Chi Yeung. After retiring, Mr. Yeung established the Club to help address the financial challenges faced by many individuals and families, including rising inflation, job loss, and the increasing cost of living in the United States.

To support its mission, Mr. Yeung allocates 90% of membership fee income to Gold Member (GM) and Fundraiser Member (FM) referral commissions, award programs, member benefit programs, and community initiatives. His goal is to build a highly effective, efficient, and sustainable organization that delivers meaningful value to its members and the communities it serves.

The HOHY Club is committed to operating with transparency, fairness, and accountability. Membership records, referral information, and program data are maintained and regularly updated to ensure accuracy and integrity.

To maintain fairness and avoid conflicts of interest, HOHY Club staff members are not eligible to receive prizes from the Club's Award, Benefit, or Community Programs. Staff members who separately qualify as regular HOHY Club members may participate in the referral commission program under the same applicable rules as other members.

The Club's mission is to help members achieve greater financial well-being while fostering a spirit of mutual support, integrity, and community service.