Terms & Conditions

1. Definitions

Throughout these terms, the following words carry specific meanings.

• "Sakda Thong," "we," "us," "our" — the operator of this website and provider of the financial education programmes described herein, operating from Bangkok, Thailand.
• "You," "user," "participant" — any individual who accesses the website or enrols in a programme.
• "Programme" — any structured course or advisory session offered by Sakda Thong, including Bank Statement Reading, Voluntary Pension Contribution Planning, and Financial Independence Timeline.
• "Content" — all text, materials, worksheets, calculators, and exercises made available through the website or during sessions.
• "Agreement" — these Terms & Conditions, together with our Privacy Policy and Cookie Policy.

2. Acceptance of Terms

By visiting our website or submitting an enrolment enquiry, you confirm that you have read, understood, and agree to be bound by these terms.

Our programmes are intended for adults aged 18 and above. By enrolling, you confirm that you meet this requirement and have the legal capacity to enter into a binding agreement under Thai law.

If you are acting on behalf of an organisation, you represent that you are authorised to bind that organisation to these terms.

3. Service Description

Sakda Thong provides financial education in the form of structured programmes conducted in Bangkok, Thailand. Our programmes cover practical personal finance topics relevant to adults in or approaching the later stages of their working life.

Sessions are delivered in a small group or one-to-one format, with supporting printed and digital materials. Availability is subject to scheduling and capacity.

We reserve the right to modify, substitute, or discontinue individual programmes. Where changes materially affect an enrolment already confirmed, we will inform you in advance and offer a suitable alternative or refund.

4. Enrolment & Accounts

Enrolment begins when you submit a contact or registration form and we confirm your place in writing (email is sufficient). A confirmed enrolment constitutes a binding commitment on both sides.

You are responsible for ensuring that the contact details you provide are accurate. We cannot be held responsible for missed communications resulting from incorrect information.

We do not currently offer user accounts or a member portal. Your participation is managed through direct communication with our team.

5. Your Responsibilities

We ask all participants to engage respectfully and honestly. Specifically, you agree to the following.

Acceptable Use

• Use the website and materials only for your own personal financial education
• Treat facilitators and other participants with courtesy and respect
• Provide accurate personal information when registering

Prohibited Activities

• Recording, reproducing, or distributing session content without prior written consent
• Sharing login credentials or programme materials with third parties
• Using the website in any way that could damage, disable, or impair its operation
• Scraping, harvesting, or systematically extracting content from the site

6. Intellectual Property

All content on this website — including text, layouts, worksheets, calculators, and course materials — is owned by or licensed to Sakda Thong and protected under Thai intellectual property law.

Participants are granted a limited, non-exclusive, non-transferable licence to use the materials provided solely for their own personal learning during the programme period. This licence does not extend to reproduction, commercial use, or onward distribution.

If you wish to reference our materials in any publication or teaching context, please request written permission first.

7. Fees & Payment

Programme fees are quoted in Thai Baht (฿) and include all course materials unless otherwise stated.

Payment

Payment details will be provided upon confirmation of your enrolment. Payment is expected prior to the first session unless an alternative arrangement has been agreed in writing.

Cancellations & Refunds

• Cancellations made more than 7 calendar days before the first session: full refund
• Cancellations made 3–7 days before: 50% refund
• Cancellations within 48 hours: no refund, though rescheduling may be offered at our discretion
• If we cancel or significantly change a session, a full refund or free rescheduling will be offered

8. Service-Specific Terms

9. Disclaimers

Sakda Thong provides financial education — not regulated financial advice. Our programmes are designed to improve participants' knowledge and understanding of personal finance concepts.

Nothing in our sessions, materials, or website constitutes a personal recommendation to buy, sell, or hold any financial product. We do not hold a financial advisory licence under Thai law and do not provide individual investment recommendations.

The website and its content are provided on an "as available" basis. We make reasonable efforts to ensure accuracy, but cannot warrant that all information is current, complete, or free of error.

10. Limitation of Liability

To the extent permitted under Thai law, Sakda Thong's total liability for any claim arising from these terms or the programmes shall not exceed the amount paid by you for the programme in question.

We shall not be liable for indirect, consequential, or speculative losses including lost income, missed investment opportunities, or decisions made based on programme content.

Nothing in these terms limits liability for death, personal injury, or fraud caused by our negligence.

11. Termination

Either party may withdraw from the agreement at any time, subject to the cancellation and refund terms in Section 7.

We reserve the right to exclude a participant from further sessions — without refund — if their conduct is disruptive, disrespectful, or in breach of these terms. We would only exercise this right after first attempting to address the concern directly.

12. Dispute Resolution

These terms are governed by and construed in accordance with the laws of the Kingdom of Thailand. Any disputes shall be subject to the exclusive jurisdiction of the Thai courts.

Before initiating any formal proceedings, we encourage you to contact us directly at [email protected]. Most concerns can be resolved through a straightforward conversation, and we are committed to finding fair outcomes.

If informal resolution is not possible, disputes may be referred to the Consumer Protection Board of Thailand or resolved through the Thai court system.

13. General Provisions

• Entire agreement: These terms, together with the Privacy Policy and Cookie Policy, constitute the full agreement between us.
• Severability: If any clause is found to be unenforceable, the remaining clauses continue in full force.
• Waiver: Failure to enforce any right under these terms shall not constitute a waiver of that right.
• Assignment: You may not transfer your rights or obligations under this agreement without our written consent.
• Notices: Formal notices should be sent to the contact address in Section 15. Email is acceptable for day-to-day correspondence.

14. Changes to These Terms

We may update these terms from time to time. The current version will always be available on this page, with the effective date shown at the top.

For participants mid-way through an enrolled programme, the terms in effect at the time of enrolment confirmation will continue to apply for that programme period, unless a material change is required by law.

15. Contact

Questions about these terms? We are glad to clarify anything that is unclear.