1. Acceptance and Scope

These terms create a binding agreement between you and advancefilenode. They cover your use of our website, educational materials, and any services we offer. When you create an account or make a purchase, you're confirming that you've read and accepted these terms.

We might update these terms from time to time. Major changes will be posted on this page with a new effective date. Your continued use after changes means you accept the updated terms. We recommend checking back periodically.

2. User Accounts and Registration

2.1 Account Creation

To access certain features, you'll need to register an account. You must provide accurate information during registration. Keep your login details secure—you're responsible for all activity under your account.

• You must be at least 18 years old to create an account
• Provide truthful and complete registration information
• Maintain the security of your password and account
• Notify us immediately of any unauthorized use
• You're responsible for all activities under your account

2.2 Account Termination

We reserve the right to suspend or terminate accounts that violate these terms or engage in prohibited activities. You can close your account at any time by contacting us at [email protected].

3. Educational Services and Content

3.1 Course Access and Enrollment

When you enroll in our programs, you get access to course materials for the duration specified at purchase. Access periods vary by program—some offer lifetime access, others are time-limited. Check your specific program details before enrolling.

3.2 Content Usage Rights

All course materials, videos, documents, and resources remain our property. You can use them for personal learning but can't redistribute, sell, or share them. This protects the value of our educational content for all students.

• Content is for your personal, non-commercial use only
• Don't reproduce, distribute, or publicly display our materials
• Screenshots and recordings of course content are prohibited
• Sharing login credentials violates these terms
• We may revoke access for violations of usage rights

3.3 Course Modifications

We continuously improve our programs based on industry changes and student feedback. This means we might update content, add new modules, or reorganize materials. These improvements benefit all enrolled students at no extra cost.

4. Payment Terms and Refunds

4.1 Pricing and Payment

All prices are listed in Thai Baht unless otherwise stated. Prices may change, but you'll pay the rate shown when you enroll. Payment is required before accessing course materials. We accept major payment methods as displayed during checkout.

4.2 Refund Policy

We offer a 14-day refund period from the date of purchase, provided you haven't accessed more than 20% of the course content. After this period or once you've accessed substantial content, sales are final. Refunds are processed within 10 business days.

• Refund requests must be submitted via email to [email protected]
• Include your order number and reason for the refund
• We review each request individually within 3 business days
• Refunds return to your original payment method
• Subscription cancellations don't include partial month refunds

5. User Conduct and Prohibited Activities

We've built a respectful learning community. Your behavior matters. Don't use our platform for anything illegal, harmful, or disruptive to other students. This includes harassment, spam, or attempts to compromise our systems.

• No harassment, threats, or abusive language toward other users
• Don't attempt to hack, disrupt, or compromise platform security
• No automated tools or bots to access content
• Don't impersonate instructors, staff, or other students
• No commercial solicitation or advertising without permission
• Don't upload malicious code or harmful content
• Respect intellectual property rights of others

Violations can result in immediate account suspension and loss of access without refund. Serious violations may involve legal action, especially those involving security breaches or harassment.

6. Intellectual Property Rights

6.1 Our Content

Everything on advancefilenode.com—the courses, videos, text, graphics, logos, and software—is protected by copyright and trademark laws. We or our content suppliers own all rights. The advancefilenode name and logo are our registered trademarks.

6.2 Your Content

When you post comments, questions, or participate in forums, you keep ownership of your content. But you grant us a license to use, display, and distribute it as needed for platform operation. Don't post anything you don't have rights to.

6.3 Copyright Complaints

If you believe your copyright has been infringed, contact us at [email protected] with specific details about the copyrighted work and the alleged infringement. We take intellectual property rights seriously and will investigate promptly.

7. Privacy and Data Protection

Your privacy matters to us. We collect and use personal information as described in our Privacy Policy. By using our services, you consent to our data practices. We don't sell your personal information to third parties.

• We collect information necessary to provide educational services
• Your data helps us improve course quality and user experience
• We use industry-standard security measures to protect your information
• You can request access to or deletion of your personal data
• We comply with applicable data protection regulations

8. Disclaimers and Limitations of Liability

8.1 Educational Content Disclaimer

Our courses provide educational information about financial analysis basics. They don't constitute professional financial advice. Results vary based on individual circumstances, effort, and external factors we can't control.

8.2 Service Availability

We strive for continuous platform availability but can't guarantee uninterrupted service. Maintenance, updates, or technical issues may cause temporary disruptions. We're not liable for any losses resulting from service interruptions.

8.3 Limitation of Liability

To the maximum extent permitted by law, advancefilenode and its directors, employees, and partners aren't liable for indirect, incidental, special, consequential, or punitive damages arising from your use of our services. Our total liability for any claims won't exceed the amount you paid for the specific service in question.

9. Third-Party Links and Services

Our platform may contain links to external websites or integrate third-party services. We don't control these external resources and aren't responsible for their content, privacy practices, or terms. Use them at your own risk.

When you click external links, you leave our platform and these terms no longer apply. We recommend reviewing the terms and privacy policies of any third-party sites you visit.

10. Indemnification

You agree to defend and hold harmless advancefilenode, its officers, directors, employees, and agents from any claims, damages, costs, or expenses (including legal fees) arising from:

• Your violation of these terms of use
• Your violation of any rights of another person or entity
• Your use or misuse of our services
• Content you post or transmit through our platform
• Your breach of any representations or warranties

11. Dispute Resolution

11.1 Governing Law

These terms are governed by the laws of Thailand. Any disputes will be resolved in the courts of Chon Buri, Thailand. By using our services, you consent to this jurisdiction.

11.2 Informal Resolution

Before filing any formal claim, contact us at [email protected] to discuss the issue. We're committed to resolving disputes fairly and quickly. Most concerns can be addressed through direct communication.

12. General Provisions

12.1 Entire Agreement

These terms, along with our Privacy Policy and any specific program terms, constitute the complete agreement between you and advancefilenode regarding your use of our services.

12.2 Severability

If any provision of these terms is found unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary while the remaining provisions remain in full effect.

12.3 No Waiver

Our failure to enforce any right or provision in these terms doesn't constitute a waiver of that right or provision. Any waiver must be in writing and signed by us.

12.4 Assignment

You can't transfer or assign your rights under these terms without our written consent. We may assign our rights and obligations to any party at any time without restriction.