Terms of Use
Please read these terms carefully before using our financial education services and budget strategy resources
1. Acceptance of Terms
By accessing and using DigitalIntellectWave's website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. If you do not agree with these terms, please discontinue use of our services immediately.
These terms apply to all visitors, users, and others who access or use our financial education platform, budget strategy resources, and related services provided through digitalintellectwave.com.
2. Description of Services
DigitalIntellectWave provides educational content and resources focused on financial literacy and budget strategy. Our services include online learning programs, educational materials, and financial planning guidance designed to help individuals develop better money management skills.
Service Limitations
- We do not provide personalized financial advice or investment recommendations
- Our content is for educational purposes only and should not replace professional financial consultation
- Results from our programs may vary based on individual circumstances and commitment
- We do not guarantee specific financial outcomes or improvements
3. User Responsibilities and Conduct
As a user of our services, you agree to use our platform responsibly and in accordance with applicable laws. You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account.
Prohibited Activities
- Sharing your account credentials with unauthorized parties
- Attempting to access restricted areas of our website or systems
- Using our content for commercial purposes without written permission
- Posting or transmitting harmful, offensive, or illegal content
- Interfering with the proper functioning of our website or services
4. Intellectual Property Rights
All content, materials, and resources available through DigitalIntellectWave, including but not limited to text, graphics, logos, images, audio clips, video content, and software, are protected by intellectual property laws and remain the exclusive property of DigitalIntellectWave or its licensors.
You may access and use our content for personal, non-commercial educational purposes only. Any reproduction, distribution, modification, or commercial use of our materials requires prior written consent from DigitalIntellectWave.
Important: Unauthorized use of our copyrighted materials may result in immediate termination of your access and potential legal action.
5. Payment Terms and Refund Policy
Payment for our educational programs is required prior to accessing premium content. We accept various payment methods as indicated during the checkout process. All fees are non-refundable unless specifically stated otherwise in our refund policy.
Refund Conditions
- Refund requests must be submitted within 14 days of purchase
- Refunds are considered on a case-by-case basis for technical issues preventing access
- Completed courses or substantially accessed materials are not eligible for refunds
- Processing time for approved refunds is typically 5-10 business days
6. Privacy and Data Protection
We respect your privacy and are committed to protecting your personal information. Our collection, use, and disclosure of personal data is governed by our Privacy Policy, which forms an integral part of these Terms of Use.
By using our services, you consent to the collection and use of your information as outlined in our Privacy Policy. We implement appropriate security measures to protect your data, but cannot guarantee absolute security of information transmitted over the internet.
7. Disclaimers and Limitation of Liability
Our educational content is provided "as is" without warranties of any kind. While we strive to provide accurate and up-to-date information, we do not warrant the completeness, accuracy, or usefulness of any information provided through our services.
DigitalIntellectWave shall not be liable for any direct, indirect, incidental, special, or consequential damages resulting from your use of our services, including but not limited to financial losses, business interruption, or loss of data.
Financial Education Disclaimer: Our content is for educational purposes only and does not constitute financial advice. Always consult with qualified professionals before making financial decisions.
8. Termination
We reserve the right to terminate or suspend your access to our services at any time, without prior notice, for conduct that we believe violates these Terms of Use or is harmful to other users, us, or third parties.
You may terminate your account at any time by contacting us directly. Upon termination, your right to access our services will cease immediately, though certain provisions of these terms will survive termination.
9. Governing Law and Dispute Resolution
These Terms of Use are governed by the laws of Thailand. Any disputes arising from these terms or your use of our services will be subject to the exclusive jurisdiction of Thai courts.
We encourage resolving disputes through direct communication before pursuing formal legal action. Please contact us first if you have concerns about our services or these terms.
10. Updates to Terms
We may update these Terms of Use periodically to reflect changes in our services or applicable laws. Updated terms will be posted on our website with a new effective date. Continued use of our services after changes constitute acceptance of the revised terms.
We recommend reviewing these terms periodically to stay informed about your rights and obligations when using our services.
Questions About These Terms?
If you have questions about these Terms of Use, please contact us:
Email: [email protected]
Phone: +6674288578
Address: 51 ทับ 11 หมู่ 13 Nong Na Kham,
Mueang Udon Thani District, Udon Thani 41000,
Thailand