General Disclaimer

The information provided by SpotNext Digital ("we," "us," or "our") on spotnextdigital.com (the "Service") is for general informational and educational purposes only. All information on the site is provided in good faith, however we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the Service.

Under no circumstance shall we have any liability to you for any loss or damage of any kind incurred as a result of the use of the site or reliance on any information provided on the site. Your use of the site and your reliance on any information on the site is solely at your own risk.

Educational Purpose Only

The budget optimization materials, financial planning resources, and related educational content provided through SpotNext Digital are intended for educational and informational purposes only. These materials are designed to help individuals develop financial literacy skills and understanding of budget management concepts.

Participants in our educational programs should understand that learning financial concepts requires time, practice, and individual application. Results may vary significantly based on personal circumstances, dedication to learning, and individual financial situations.

Professional Advice Limitations

The information on this website does not constitute professional financial, investment, legal, or tax advice. SpotNext Digital is not a licensed financial advisor, investment firm, or professional service provider in Thailand or any other jurisdiction.

• We do not provide personalized financial planning services or individual investment recommendations
• Our content should not replace consultation with qualified financial professionals
• Individual financial decisions should always be made in consultation with appropriate licensed professionals
• Tax implications and legal considerations vary by jurisdiction and individual circumstances

Before making any financial decisions, we strongly recommend consulting with qualified professionals who are licensed to provide advice in your specific jurisdiction and familiar with your individual circumstances.

No Guarantees or Warranties

SpotNext Digital makes no guarantees, representations, or warranties regarding the effectiveness of our educational materials or programs. We do not guarantee specific outcomes, financial results, or success rates for participants in our educational offerings.

Our educational content is provided "as is" without warranty of any kind, either express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

Individual results from educational programs depend on many factors including personal dedication, existing knowledge, time invested in learning, and individual financial circumstances. Past educational outcomes do not predict future results for any individual participant.

Information Accuracy and Currency

While we strive to provide accurate and up-to-date information, financial markets, regulations, and best practices evolve continuously. Information on our website may become outdated or may not reflect current market conditions or regulatory changes in Thailand or internationally.

We reserve the right to modify, update, or remove content at any time without prior notice. Educational materials are updated periodically, but we cannot guarantee that all information reflects the most current developments in financial practices or regulations.

Limitation of Liability

In no event shall SpotNext Digital, its directors, employees, partners, agents, suppliers, or affiliates be liable for any indirect, incidental, punitive, consequential, or special damages arising from or related to your use of the service.

• Financial losses resulting from application of educational concepts
• Missed opportunities or investment decisions based on our educational content
• Technical issues that may affect access to educational materials
• Reliance on information that may be incomplete or outdated
• Any damages resulting from interruption of service or educational programs

Our total liability for any claims arising from your use of our educational services shall not exceed the amount you have paid for specific educational programs, if any.

External Links and Third-Party Content

Our Service may contain links to third-party websites or services that are not owned or controlled by SpotNext Digital. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

You acknowledge and agree that SpotNext Digital shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.

Compliance with Local Laws

Users are responsible for ensuring their use of our educational services complies with applicable laws and regulations in their jurisdiction. While SpotNext Digital operates with consideration for Thai market contexts, our educational content may be accessed internationally.

Different countries have varying regulations regarding financial education, investment advice, and professional services. Users should consult local legal and regulatory requirements before applying concepts learned through our educational programs.