Educational Purpose Only

All content, courses, materials, and resources provided by SoftOnListOn through softonliston.com are intended strictly for educational and informational purposes. Our budget education programs are designed to help individuals develop financial literacy skills and understand personal finance concepts.

The information we share should not be considered as professional financial advice, investment recommendations, or personalized financial planning services. We present general principles and educational frameworks that students can adapt to their individual circumstances.

No Professional Advisory Relationship

Participation in SoftOnListOn's programs does not create a professional advisory relationship between you and our organization. We are educators, not licensed financial advisors, investment professionals, or certified financial planners.

Information Accuracy and Currency

While we make reasonable efforts to ensure our educational content is accurate and current as of publication, financial regulations, tax laws, and economic conditions change frequently. Information that was accurate when created may become outdated.

• Content reflects general principles rather than current regulatory specifics
• Examples used in courses are hypothetical and for illustration purposes
• Regional variations in financial systems may affect applicability
• Students should verify current regulations in their jurisdiction

SoftOnListOn assumes no responsibility for decisions made based on information that has become outdated or that differs from current conditions in your specific location.

No Guaranteed Outcomes

We do not guarantee any specific financial results, outcomes, or improvements from participating in our educational programs. Your financial situation depends on numerous factors beyond educational content, including personal circumstances, economic conditions, employment status, and individual financial decisions.

Student testimonials and case studies, when shared, represent individual experiences and should not be interpreted as typical results. Each person's financial journey is unique, and outcomes vary significantly based on individual effort, existing circumstances, and external factors beyond anyone's control.

Limitation of Liability

To the fullest extent permitted by applicable law, SoftOnListOn, its instructors, employees, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from:

• Use or inability to use our educational materials or platform
• Financial decisions made based on concepts learned in our programs
• Errors, omissions, or inaccuracies in educational content
• Unauthorized access to or alteration of your account information
• Technical issues affecting platform availability or functionality
• Third-party content, links, or resources referenced in our materials

This limitation applies even if SoftOnListOn has been advised of the possibility of such damages. Some jurisdictions do not allow limitation of liability for certain types of damages, so portions of this limitation may not apply in your location.

Content Provided "As Is"

All educational materials, platform features, and services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied.

We disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, and any warranties arising from course of dealing or usage of trade. We do not warrant that our platform will be uninterrupted, secure, or error-free, or that defects will be corrected.

Third-Party Resources and Links

Our educational materials may reference or link to third-party websites, resources, tools, or services for supplementary learning purposes. These references do not constitute endorsement, and we have no control over the content, privacy practices, or availability of third-party resources.

SoftOnListOn is not responsible for any content, products, services, or practices of third parties. You access third-party resources at your own risk and should review their terms and policies independently.

Personal Responsibility

By participating in SoftOnListOn's programs, you acknowledge that you are solely responsible for your financial decisions and outcomes. Budget education provides frameworks and knowledge, but implementation requires personal judgment, discipline, and adaptation to your unique circumstances.

Regional Considerations

While SoftOnListOn operates from Vietnam and serves students in the Vietnamese market, our educational principles are designed to be broadly applicable. However, specific financial regulations, tax structures, banking systems, and economic conditions vary significantly by country and region.

Students should consider how local regulations and cultural financial practices in their location may affect the application of concepts learned in our programs. What works in one economic environment may require significant adaptation in another.

Changes to This Disclaimer

SoftOnListOn reserves the right to modify this disclaimer at any time to reflect changes in our educational offerings, legal requirements, or business practices. Material changes will be communicated to active students through our platform or via email.

Your continued use of our services after changes are posted constitutes acceptance of the updated disclaimer. We encourage you to review this page periodically, especially before enrolling in new programs.