Educational Purpose Only

The budget foundations content provided through api-glow is strictly for educational purposes. We offer learning materials, guidance, and structured programs to help you develop financial literacy skills. Nothing on this website should be interpreted as personalized financial advice for your specific situation.

Our courses present general principles and concepts that many people find useful when building budget management skills. Your personal circumstances—income level, debt situation, family needs, and financial goals—are unique to you. What works for one student might not suit another.

No Professional Advisory Services

api-glow does not provide professional financial advisory services, accounting guidance, tax preparation, or investment recommendations. Our instructors share educational content based on established budget management principles, but this doesn't constitute professional advice.

Information Accuracy and "As Is" Provision

We work hard to keep our educational materials current and accurate. That said, financial regulations change, economic conditions shift, and new research emerges. The information we provide reflects our understanding at the time of publication.

All content is provided "as is" without warranties of any kind. We make reasonable efforts to ensure accuracy, but cannot guarantee that every piece of information remains completely current or applicable to every situation. Students should verify critical information independently.

• Course materials represent educational content based on generally accepted practices
• Examples and case studies are for illustrative purposes and may be simplified
• Financial regulations in Vietnam may change without notice
• Third-party tools or resources mentioned are not endorsed or guaranteed by us

Results and Outcomes

We can't promise specific financial outcomes from taking our courses. Learning budget management skills is valuable, but actual results depend on many factors outside our control—your income, expenses, discipline in applying concepts, economic conditions, and personal circumstances.

Some students achieve significant improvements in their financial situation after completing our programs. Others find the process takes longer or faces unexpected challenges. Both experiences are normal. Financial progress rarely follows a straight line.

Limitation of Liability

To the fullest extent permitted by Vietnamese law, api-glow and its instructors shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of our educational materials or services.

This includes but is not limited to financial losses, business interruptions, loss of data, or other intangible losses resulting from:

• Your use or inability to use our educational platform or materials
• Financial decisions made based on course content
• Errors or omissions in educational materials
• Unauthorized access to or alteration of your account information
• Third-party content or conduct on the platform

By enrolling in our programs, you acknowledge that you are responsible for your own financial decisions. We provide education—you make choices about how to apply what you learn.

Third-Party Resources and Links

Our courses occasionally reference external resources, tools, or websites that students might find helpful. These references are provided for convenience and educational value only. We don't control third-party content and aren't responsible for its accuracy, availability, or suitability.

Mentioning a third-party resource doesn't mean we endorse it or guarantee its quality. Students should evaluate external resources independently and use them at their own discretion.

Content Accuracy and Updates

We review and update course materials periodically, but can't guarantee that every piece of content reflects the most recent developments in financial regulations or practices. The budget management field evolves, and what's current today might change tomorrow.

If you notice outdated information or potential errors in our materials, please let us know. We appreciate student feedback and use it to improve our courses. However, we reserve the right to modify, update, or remove content at any time without prior notice.

Personal Responsibility

Taking control of your financial situation requires personal responsibility. We provide tools, knowledge, and structured learning—but implementation is up to you. Success in budget management comes from consistent application of principles, not just consuming information.

You acknowledge that financial improvement takes time and sustained effort. There are no shortcuts or guaranteed quick fixes. Our courses can accelerate your learning, but they can't replace the work you need to put in.

Jurisdiction and Governing Law

These terms are governed by the laws of the Socialist Republic of Vietnam. Any disputes arising from your use of api-glow services will be subject to the exclusive jurisdiction of Vietnamese courts in Hòa Bình province.

If any provision of this disclaimer is found unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary. The remaining provisions will continue in full force and effect.