Terms of Use

1. Acceptance of Terms

Your use of our services constitutes acceptance of these Terms of Use. If you don't agree with any part of these terms, you shouldn't use our website or services. These terms apply to all visitors, users, and anyone who accesses or uses our service.

We may update these terms periodically. When we do, we'll post the revised terms on this page and update the "Last Updated" date. Your continued use of our services after changes become effective means you accept the revised terms.

2. Description of Services

Systemizefuture provides financial risk assessment and mitigation services to businesses operating primarily in Thailand. Our services include risk analysis, strategic planning support, and advisory consultation related to financial decision-making.

Service Limitations

While we work hard to provide accurate and helpful analysis, we can't guarantee specific outcomes. Financial markets and business conditions change constantly, and past performance or analysis doesn't predict future results. We're here to help you understand risks better, not eliminate them entirely.

3. User Obligations and Conduct

When you use our services, you agree to:

• Provide accurate and complete information when required
• Maintain the confidentiality of any account credentials
• Use our services only for lawful purposes
• Respect intellectual property rights
• Not attempt to interfere with the proper functioning of our services
• Not misrepresent your identity or affiliation
• Comply with all applicable local, national, and international laws

Prohibited Activities

You may not use our services to:

• Transmit any harmful code, viruses, or malicious software
• Attempt unauthorized access to our systems or other users' accounts
• Collect information about other users without their consent
• Engage in any activity that could damage our reputation or business
• Use automated systems or bots to access our services without permission
• Copy, modify, or distribute our content without authorization

4. Intellectual Property Rights

All content on our website—including text, graphics, logos, methodologies, and software—is owned by Systemizefuture or our licensors and is protected by copyright, trademark, and other intellectual property laws.

You may view and download content for personal, non-commercial use only. You can't reproduce, distribute, modify, or create derivative works from our content without written permission. This applies to our proprietary risk assessment methodologies, reports, and analysis frameworks.

User-Generated Content

If you submit feedback, suggestions, or other content to us, you grant us a non-exclusive, worldwide, royalty-free license to use, reproduce, and incorporate such content into our services. We appreciate your input and may use it to improve our offerings.

5. Privacy and Data Protection

We take your privacy seriously. Our collection and use of personal information is governed by our Privacy Policy, which you should read alongside these Terms of Use. By using our services, you consent to our data practices as described in that policy.

We collect information necessary to provide our services effectively. This includes business information you provide, usage data, and communications between us. We don't sell your personal information to third parties.

6. Payment Terms and Billing

If you engage our paid services, you agree to pay all applicable fees. We'll provide clear pricing information before you commit to any paid service. Payment terms vary depending on the service and will be outlined in your service agreement.

Fees and Charges

• All fees are in Thai Baht unless otherwise specified
• Fees are typically due according to the payment schedule in your service agreement
• We may adjust fees with reasonable notice (typically 30 days)
• Late payments may incur additional charges as specified in your agreement

Refunds and Cancellations

Refund policies depend on the specific service. Generally, services already rendered are non-refundable. If you cancel a service, we'll work with you to reach a fair resolution based on the work completed. Contact us directly to discuss any concerns about billing or service delivery.

7. Disclaimers and Limitation of Liability

Our services are provided "as is" without warranties of any kind, either express or implied. We don't warrant that our services will be uninterrupted, error-free, or completely secure.

Professional Advice Disclaimer

While we provide financial risk assessment and advisory services, our recommendations should not be considered as the sole basis for financial decisions. We encourage you to consider multiple sources of information and, when appropriate, consult with legal, tax, or other professional advisors.

No Guarantees

We can't promise specific results from our services. Business outcomes depend on numerous factors beyond our control, including market conditions, your implementation of recommendations, and external economic factors. We provide analysis and recommendations based on information available at the time, but circumstances change.

8. Confidentiality

We understand that you may share sensitive business information with us. We maintain confidentiality of your proprietary information and won't disclose it to third parties without your consent, except as required by law or as necessary to provide our services.

Similarly, we may share confidential methodologies or proprietary analysis with you. You agree not to disclose our confidential information to others or use it for purposes beyond the scope of our engagement.

Exceptions to Confidentiality

Confidentiality obligations don't apply to information that: becomes publicly available through no fault of the receiving party; was already known before disclosure; is independently developed; or must be disclosed by law.

9. Termination

You may stop using our services at any time. We reserve the right to suspend or terminate your access to our services if you violate these Terms of Use or engage in conduct we reasonably believe is harmful to other users or our business.

If we terminate your access for cause, you remain liable for all fees and charges incurred up to the termination date. Provisions of these terms that by their nature should survive termination will continue to apply, including ownership provisions, warranty disclaimers, and limitations of liability.

Effect of Termination

Upon termination, your right to use our services immediately ceases. We may delete your account information, though we may retain certain data as required by law or for legitimate business purposes. If you have outstanding obligations at termination, those remain in effect.

10. Third-Party Links and Services

Our website may contain links to third-party websites or services that aren't owned or controlled by Systemizefuture. We don't endorse or assume responsibility for any third-party sites, information, materials, products, or services.

If you access third-party websites from our site, you do so at your own risk. We encourage you to review the terms and privacy policies of any third-party sites you visit.

11. Indemnification

You agree to defend, indemnify, and hold harmless Systemizefuture, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from: your use of our services; your violation of these terms; your violation of any rights of another party; or any content you submit or transmit through our services.

We reserve the right to assume exclusive defense and control of any matter subject to indemnification by you, in which case you agree to cooperate with our defense of such claim.

12. Governing Law and Dispute Resolution

These Terms of Use are governed by the laws of Thailand. Any disputes arising from these terms or our services shall be subject to the exclusive jurisdiction of the courts in Chiang Rai, Thailand.

Dispute Resolution Process

Before filing any legal action, we encourage you to contact us to try to resolve the issue informally. Many concerns can be addressed quickly through direct communication. If we can't resolve a dispute through discussion, we're open to mediation before proceeding to formal legal action.

13. Changes to Services

We may modify, suspend, or discontinue any aspect of our services at any time, with or without notice. We're not liable to you or any third party for any modification, suspension, or discontinuation of services.

We occasionally update our service offerings based on client needs, technological advances, and business considerations. When we make significant changes, we'll try to provide reasonable notice to active clients.

14. General Provisions

Entire Agreement

These Terms of Use, together with our Privacy Policy and any service-specific agreements, constitute the entire agreement between you and Systemizefuture regarding your use of our services.

Severability

If any provision of these terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that the Terms of Use otherwise remain in full force and effect.

Waiver

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

Assignment

You may not assign or transfer these terms or your rights under them without our written consent. We may assign our rights and obligations under these terms without restriction.

No Agency Relationship

Nothing in these terms creates any agency, partnership, joint venture, or employment relationship between you and Systemizefuture. You have no authority to bind us or make commitments on our behalf.

15. Language and Interpretation

These Terms of Use are written in English. If we provide translations in other languages, the English version controls in case of any inconsistency or dispute about meaning.

Headings in these terms are for convenience only and don't affect interpretation. Words like "including" and "such as" are illustrative and not limiting.