By accessing and using WiseUpZone's website, services, and educational programs, you agree to be bound by these Terms of Use and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing this site.

WiseUpZone reserves the right to modify these terms at any time without prior notice. Changes become effective immediately upon posting on our website. Your continued use of our services after such changes constitutes acceptance of the new terms.

WiseUpZone provides educational services focused on budget calendar planning and financial literacy. Our services include online courses, educational materials, and personal finance planning tools designed to help users improve their financial management skills.

Our educational programs are designed to provide knowledge and tools that may help improve financial planning skills. Individual results will vary based on personal circumstances, commitment level, and application of learned concepts.

As a user of WiseUpZone services, you agree to use our platform responsibly and in accordance with these guidelines. Your account and activities are your responsibility.

1. Provide accurate and complete registration information and keep it updated
2. Maintain the security of your account credentials and notify us immediately of any unauthorized access
3. Use our services only for lawful purposes and in accordance with these terms
4. Respect intellectual property rights of WiseUpZone and other users
5. Refrain from sharing inappropriate content or engaging in harmful behavior toward other users
6. Not attempt to reverse engineer, copy, or redistribute our proprietary materials

WiseUpZone is committed to protecting your privacy and handling your personal information responsibly. We collect and use information as described in our Privacy Policy, which forms an integral part of these terms.

By using our services, you consent to our collection and use of your information as outlined in our Privacy Policy. We do not sell personal information to third parties and implement security measures to protect your data.

Payment for WiseUpZone services is due as specified during enrollment. We accept various payment methods and process transactions securely through trusted payment processors.

Subscription services automatically renew unless cancelled at least 24 hours before the renewal date. You can manage your subscription settings through your account dashboard or by contacting our support team.

All content, materials, and resources provided through WiseUpZone services are protected by intellectual property laws. This includes but is not limited to course materials, software, design elements, and educational methodologies.

Any content you create or submit through our platform remains your property, but you grant WiseUpZone a license to use such content for service improvement and educational purposes. We respect your intellectual property and expect the same consideration for ours.

WiseUpZone strives to maintain consistent service availability, but we cannot guarantee uninterrupted access. Scheduled maintenance, technical issues, or force majeure events may temporarily affect service availability.

We are not responsible for service interruptions caused by third-party providers, internet connectivity issues, or hardware failures on your end. We provide technical support during business hours to help resolve platform-related issues.

WiseUpZone provides educational services and financial planning tools for informational purposes. We do not provide financial advice, and our services should not be considered as professional financial consultation.

WiseUpZone shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services. This limitation applies regardless of the legal theory under which damages are claimed.

Either party may terminate this agreement at any time. You can cancel your account through your dashboard settings or by contacting our support team. We reserve the right to suspend or terminate accounts that violate these terms.

Upon termination, your access to our services will cease, though you may retain access to downloaded materials as permitted by your license. Certain provisions of these terms will survive termination, including intellectual property rights and limitation of liability clauses.

These terms are governed by Vietnamese law and any disputes will be resolved through appropriate legal channels in Vietnam. We encourage users to contact us directly to resolve any concerns before pursuing formal legal action.

For international users, local consumer protection laws may provide additional rights that cannot be waived by these terms. Nothing in this agreement limits such statutory rights where applicable.