Educational Purpose Only

All content, courses, tutorials, and materials provided through chat-msg are designed for educational purposes. We aim to teach project budget management principles, financial planning concepts, and resource allocation strategies. However, these materials should not be considered professional financial advice, accounting guidance, or business consulting.

Our educational content reflects general practices and methodologies. Your specific situation may require consultation with qualified professionals including certified accountants, financial advisors, or business consultants before making important financial decisions.

No Guaranteed Results

We make no promises or guarantees regarding outcomes from applying knowledge gained through our educational programs. While we strive to provide quality educational content based on established practices, individual results will vary significantly based on numerous factors including but not limited to:

• Your existing knowledge and experience level
• The specific nature of your projects or business
• Market conditions and economic factors beyond anyone's control
• Implementation approach and consistency
• Available resources and organizational support

Success in project budget management depends on many variables. We cannot and do not guarantee that applying our educational content will lead to specific financial outcomes, cost savings, or project success.

Information Accuracy and Currency

We make reasonable efforts to ensure the accuracy and relevance of information provided through our educational platform. However, project management practices, financial regulations, and business environments evolve constantly.

You're responsible for verifying information before applying it to real-world situations. This is especially important for financial calculations, regulatory compliance, and industry-specific requirements.

Limitation of Liability

To the fullest extent permitted by applicable law, chat-msg, its instructors, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use our educational services.

This includes but is not limited to:

• Financial losses from project decisions or budget management approaches
• Business interruptions or operational challenges
• Loss of data, profits, or opportunities
• Errors in calculations or planning based on educational materials
• Costs associated with obtaining substitute services or education

Our total liability for any claims related to our services shall not exceed the amount you paid for the specific educational program or service giving rise to the claim.

Professional Advice Limitations

Chat-msg provides educational content about project budget management. We are not a licensed financial institution, accounting firm, or business consulting agency operating in Thailand or any other jurisdiction.

Our instructors and content creators share knowledge based on experience and research. This does not constitute professional advice tailored to your circumstances. For matters involving significant financial decisions, legal compliance, tax implications, or regulatory requirements, you should consult with appropriately licensed professionals.

Nothing in our educational materials should be interpreted as encouraging you to take actions without proper professional guidance. We strongly encourage seeking expert advice before implementing major changes to financial systems or project management approaches.

Third-Party Resources and Links

Our educational materials may reference or link to external resources, tools, software, or websites. These references are provided for educational convenience only. We do not endorse, control, or assume responsibility for third-party content or services.

When you access external resources, you do so at your own risk. We make no representations regarding the accuracy, reliability, or suitability of third-party materials. Different terms and conditions may apply to external services.

Changes and Updates

We reserve the right to modify, update, or discontinue any aspect of our educational services at any time without prior notice. This includes course content, pricing, availability, and these disclaimer terms.

Continued use of our services after changes constitutes acceptance of modified terms. We encourage periodic review of this disclaimer to stay informed about how your use of our educational platform is governed.