By accessing and using the NextSpotFlash platform at nextspotflash.com, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. These terms constitute a legally binding agreement between you and NextSpotFlash regarding your use of our budget audit preparation services and educational resources.

If you do not agree with any provision of these terms, you must discontinue use of our platform immediately. Your continued access to and use of our services constitutes your ongoing acceptance of these terms and any future modifications we may make.

NextSpotFlash provides comprehensive budget audit preparation services, financial literacy education, and related resources designed to help individuals and organizations better understand financial planning principles. Our platform offers educational content, tools, and guidance for budget preparation and financial analysis.

Our services are primarily educational and informational in nature. We provide learning resources, preparation materials, and guidance to help users develop their understanding of budget auditing processes. We do not provide specific financial advice tailored to individual circumstances, nor do we guarantee specific outcomes from using our services.

• Budget audit preparation methodologies and frameworks
• Financial analysis tools and templates
• Educational content on budgeting best practices
• Learning programs scheduled for late 2025 and 2026
• Resource libraries and documentation

As a user of our platform, you agree to use our services responsibly and in accordance with applicable laws and regulations. You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account.

You agree not to engage in any of the following prohibited activities while using our platform:

• Attempting to gain unauthorized access to our systems or other user accounts
• Using our services for any illegal or unauthorized purpose
• Distributing malware, viruses, or other harmful code
• Engaging in any form of harassment, abuse, or threatening behavior
• Copying, reproducing, or distributing our proprietary content without permission
• Creating false accounts or providing misleading information
• Interfering with the normal operation of our platform or services

You are responsible for maintaining the security of your account credentials. This includes choosing a strong password, keeping your login information confidential, and promptly notifying us of any suspected unauthorized access to your account. We recommend enabling all available security features and regularly updating your password.

All content, materials, and intellectual property on the NextSpotFlash platform, including but not limited to text, graphics, logos, images, software, and educational materials, are owned by or licensed to NextSpotFlash and are protected by copyright, trademark, and other intellectual property laws.

We grant you a limited, non-exclusive, non-transferable, and revocable license to access and use our platform for personal or business educational purposes. This license does not permit you to:

• Modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any content obtained from our platform
• Use our content for commercial purposes without explicit written permission
• Remove or alter any copyright, trademark, or other proprietary notices
• Reverse engineer or attempt to extract source code from our platform

If you submit any content to our platform, including feedback, suggestions, or educational materials, you grant us a worldwide, royalty-free, perpetual license to use, modify, and distribute such content in connection with our services. You represent that you have all necessary rights to grant this license and that your content does not infringe on the rights of third parties.

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated by reference into these Terms of Use. By using our platform, you consent to the collection and use of your information as described in our Privacy Policy.

We may collect various types of information to provide and improve our services, including personal identification information, usage data, and technical information about your device and browser. This information helps us personalize your experience and improve our educational offerings.

We implement appropriate security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no internet transmission is completely secure, and we cannot guarantee absolute security of your data.

Certain features and services on our platform may require payment. All fees are clearly displayed before purchase, and payment is required before access to paid services is granted. We accept various payment methods as indicated during the checkout process.

For subscription-based services, you authorize us to charge your selected payment method on a recurring basis. You are responsible for maintaining current payment information and ensuring sufficient funds are available for automated payments.

Refunds are handled on a case-by-case basis and may be provided at our discretion for specific circumstances, such as technical issues that prevent access to paid content or services not meeting stated specifications. Refund requests must be submitted within 30 days of purchase.

• Educational program refunds: Available up to 14 days after program commencement
• Digital resource refunds: Limited to cases of technical failure or misrepresentation
• Subscription refunds: Prorated for unused portions of paid periods

Our platform and services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We make no representations or warranties regarding the accuracy, completeness, or reliability of any content or services provided through our platform.

The information and services provided through NextSpotFlash are for educational purposes only and should not be considered as professional financial advice. Users should consult with qualified financial professionals before making important financial decisions based on information obtained from our platform.

To the maximum extent permitted by applicable law, NextSpotFlash shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or other intangible losses resulting from your use of our platform or services.

Either party may terminate this agreement at any time. You may discontinue use of our platform and close your account at any time by contacting our support team. We reserve the right to suspend or terminate your access to our platform for violation of these terms or for any other reason at our discretion.

Upon termination, your right to access and use our platform will cease immediately. Any provisions of these terms that by their nature should survive termination will remain in effect, including intellectual property rights, disclaimers, and limitation of liability clauses.

After account termination, we may retain certain information for legal, regulatory, or legitimate business purposes as outlined in our Privacy Policy. You may request deletion of your personal data subject to applicable legal requirements and retention policies.

These Terms of Use are governed by and construed in accordance with the laws of Vietnam, without regard to conflict of law principles. Any disputes arising from or relating to these terms or your use of our platform will be resolved through binding arbitration or in the appropriate courts of Vietnam.

Before initiating formal legal proceedings, we encourage users to contact our support team to attempt to resolve disputes amicably. Many issues can be resolved through direct communication and mutual understanding.

We reserve the right to modify these Terms of Use at any time to reflect changes in our services, legal requirements, or business practices. When we make significant changes, we will notify users through email or prominent notice on our platform at least 30 days before the changes take effect.

Updated terms will be posted on our website with a revised "Last Updated" date. Your continued use of our platform after the effective date of any changes constitutes your acceptance of the modified terms. If you do not agree with the changes, you should discontinue use of our services.

We recommend reviewing these terms periodically to stay informed about your rights and obligations when using our platform.