The travel agency said: What does no guarantee for shopping and no guarantee for self-payment mean?

Shopping without guarantee means that you will not be forced to buy anything when there is a shopping store on your itinerary. Self-funded and non-guaranteed means that you will not be forced to spend money if you encounter items that require your own money during the itinerary (for example, horse riding, boat cruises, bonfires, etc.). To put it simply, except for the group payment, deposit, and travel insurance for your trip, the rest of the consumption is entirely optional.