Educational Purpose Only

The materials, courses, and resources provided by StreamMsg are designed for educational and informational purposes only. Our activity-based budgeting content aims to help individuals understand financial planning concepts and develop practical skills.

Nothing on this website should be interpreted as professional financial advice, accounting guidance, or investment recommendations. We encourage all users to consult qualified professionals before making significant financial decisions.

No Guaranteed Outcomes

While we're proud of the quality education we provide, we need to be clear about something important. Results vary significantly based on individual circumstances, effort, and external factors beyond our control.

• We cannot guarantee job placement or employment opportunities after course completion
• Individual results with financial planning techniques may differ substantially
• Market conditions and personal circumstances significantly affect outcomes
• Past student experiences do not predict your specific results

Information Accuracy

We work hard to keep everything accurate and current. But here's the reality: financial regulations change, budgeting best practices evolve, and the information we provide reflects knowledge at a specific point in time.

All content is provided "as is" without warranties of any kind, whether express or implied. We update materials regularly, but cannot guarantee that every piece of information remains completely current at all times.

Users should verify information independently, especially when making decisions that affect their financial situation. The Philippines financial landscape continues changing, and staying informed through multiple sources makes sense.

Limitation of Liability

StreamMsg, its instructors, and affiliated parties shall not be held liable for any direct, indirect, incidental, or consequential damages arising from:

• Use or inability to use our educational materials
• Financial decisions made based on course content
• Technical issues affecting access to learning resources
• Third-party content or external resource recommendations
• Changes in regulations affecting learned methodologies

By accessing our platform, you acknowledge that education provides knowledge and skills, but application remains your responsibility. We're here to teach concepts and frameworks, not make financial decisions on your behalf.

Professional Advice Limitations

Our courses teach activity-based budgeting principles and financial planning concepts. This educational content does not constitute professional accounting services, tax preparation, legal counsel, or licensed financial planning.

The relationship between StreamMsg and users is purely educational. We teach concepts and methodologies, but you remain responsible for how you apply this knowledge to your unique circumstances.

External Links and Resources

Our platform occasionally references external websites, tools, or resources to supplement learning. We don't control these third-party sites and cannot guarantee their accuracy, availability, or content quality.

These references are provided for convenience and educational value. Visiting external sites or using recommended tools is at your own discretion and risk. We recommend reviewing terms and privacy policies of any external resources you choose to use.

Changes to This Disclaimer

We may update this disclaimer periodically to reflect changes in our services, legal requirements, or operational practices. The "Effective" date at the top indicates when the current version took effect.

Continued use of StreamMsg after updates constitutes acceptance of the revised terms. We encourage checking this page occasionally to stay informed about how we protect both your interests and ours.