Terms & Conditions

1. Definitions

In these Terms and Conditions, the following words carry the meanings set out below:

• "Agreement" means these Terms and Conditions, together with any registration confirmation we send you.
• "We", "Us", "Our" means Khao Wealth, located at 263 Mittraphap Road, Mueang, Khon Kaen 40000, Thailand.
• "You" / "Participant" means any individual who visits our website or registers for a workshop programme.
• "Workshop" / "Programme" means any financial education session, multi-session programme, or weekend workshop offered by Khao Wealth.
• "Materials" means worksheets, workbooks, slides, handouts, or any other educational content produced or distributed by Khao Wealth in connection with a workshop.
• "Website" means the website operated by Khao Wealth at khaowealy.biz.
• "Content" means all text, images, documents, and other materials published on the Website.

2. Acceptance of Terms

By accessing the Website or registering for a workshop, you confirm that:

• You are at least 18 years of age.
• You have the legal capacity to enter into this Agreement.
• You have read, understood, and agree to be bound by these Terms and Conditions.

If you do not agree to any part of these terms, please do not use our Website or register for our workshops. Use of the Website after any posted update to these terms constitutes acceptance of the revised terms.

3. Description of Services

Khao Wealth provides in-person financial education workshops for adults, primarily those aged 40 and above, in Khon Kaen, Thailand. Our current programme offerings are:

• Reading the Provident Fund Statement — a two-session workshop covering Thai provident fund statements, allocation options, and contribution structures.
• The Quiet Practice of Compounding — a three-evening programme exploring the mathematics of compounding over long time horizons.
• Health, Wealth, and the Conversation Between Them — a weekend workshop on household finances, healthcare planning, and long-term care considerations.

Our workshops are educational in nature. We are educators, not financial advisors, insurance brokers, or investment managers. Nothing presented in our workshops constitutes financial, legal, medical, or insurance advice. We do not recommend or endorse specific financial products, insurance policies, or investment vehicles.

Workshop availability, schedules, and pricing are subject to change. Details published on the Website are provided as a guide; confirmed session information is communicated at the time of registration.

4. Participant Responsibilities

By registering for a workshop or using the Website, you agree to:

• Provide accurate information when making an enquiry or completing a registration.
• Treat fellow participants, facilitators, and venue staff with courtesy and respect.
• Arrive at workshop sessions at the designated time, or notify us in advance if you are unable to attend.
• Refrain from recording sessions (audio or video) without our prior written consent.
• Not reproduce or distribute Materials for commercial purposes.
• Not use the Website for unlawful purposes or in any way that disrupts its availability to others.
• Not transmit any content through the contact form that is abusive, misleading, or in violation of applicable Thai law.

If you choose to bring your own financial statements to a workshop, you do so voluntarily. We strongly encourage all participants to redact identifying numbers before sharing any documents within a group setting. Khao Wealth takes no responsibility for personal financial documents brought by participants.

5. Intellectual Property

All content on the Website and all Materials used in our workshops — including text, graphics, worksheets, workbooks, curriculum structure, and presentation slides — are the intellectual property of Khao Wealth unless otherwise attributed.

We grant you a limited, personal, non-transferable licence to access the Website for your own use. Participants who receive printed Materials during a workshop are permitted to use those Materials for personal study only. You may not reproduce, sell, sublicense, or publish Materials in any form without our prior written permission.

Nothing in these terms transfers ownership of any intellectual property to you.

6. Payment and Enrolment

Workshop fees are quoted in Thai Baht (THB). Fees are as published on the Website at the time of enquiry, though we reserve the right to adjust pricing for future programme dates. Current fees are:

• Reading the Provident Fund Statement: 5,400 THB
• The Quiet Practice of Compounding: 8,200 THB
• Health, Wealth, and the Conversation Between Them: 11,200 THB

Payment instructions are provided following your enquiry or registration confirmation. A place in a workshop is considered confirmed only upon receipt of payment in full.

Refund policy: If you wish to cancel your enrolment, please notify us by email at [email protected] as soon as possible. Cancellations received more than 14 days before the workshop start date will receive a full refund. Cancellations between 7 and 14 days before the start date will receive a 50% refund. Cancellations with less than 7 days' notice are not eligible for a refund, though we will endeavour to transfer your enrolment to a future date where a suitable session is available.

If we cancel or reschedule a workshop for any reason, you will be offered a full refund or transfer to an alternative date.

7. Workshop-Specific Terms

Our workshops are conducted in small groups to allow for thoughtful discussion. Group sizes are kept to a maximum of 14 participants per session.

• We reserve the right to cancel a workshop if minimum participant numbers are not reached. In such cases, registered participants will receive a full refund.
• Workshop content is educational and does not constitute a course leading to a certificate or qualification.
• We do not guarantee that participation in a workshop will lead to any particular financial outcome. Personal financial decisions remain your own.
• The facilitator may adjust session content to reflect the needs and experience of the group. Minor variations from the published description do not constitute a material change.
• Participants are responsible for their own travel and accommodation arrangements.

8. Disclaimers

The Website and all Content are provided on an "as is" basis. While we take care to ensure information is accurate and current, we make no representations as to the completeness, accuracy, or fitness for a particular purpose of any content published on the Website.

Our workshops and Materials are educational in nature. The information presented reflects general educational content and does not constitute personalised financial advice. Past data or examples used in our programmes are for illustrative purposes only and should not be taken as a prediction of future results.

We are not registered as a financial advisor, securities dealer, or insurance intermediary in Thailand or any other jurisdiction. If you require professional financial or legal advice, we encourage you to consult a qualified professional.

9. Limitation of Liability

To the extent permitted by applicable Thai law, Khao Wealth shall not be liable for any indirect, incidental, or consequential loss arising from your use of the Website or participation in our workshops, including but not limited to:

• Financial decisions made following attendance at a workshop.
• Loss of data, income, or business opportunity.
• Temporary unavailability of the Website.
• Errors or omissions in educational content.

Our total liability to you in connection with these terms shall not exceed the amount you paid for the workshop in question, or, where no payment has been made, shall not exceed 1,000 THB.

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

10. Indemnification

You agree to indemnify and hold harmless Khao Wealth, its facilitators, and any associated personnel from any claim, loss, damage, or expense (including reasonable legal costs) arising from:

• Your use of the Website in violation of these terms.
• Your conduct during a workshop session.
• Any false or misleading information you provide during registration.
• Your violation of any applicable law or third-party right.

11. Termination

We reserve the right to cancel your workshop registration or restrict your access to Website features if you are found to be in material breach of these terms, including but not limited to conduct that disrupts a session or misuse of the contact form.

In the event of cancellation due to a breach on your part, we are not obligated to issue a refund.

Provisions that, by their nature, survive the end of an agreement will continue to apply after any termination — including Sections 5 (Intellectual Property), 8 (Disclaimers), 9 (Limitation of Liability), and 10 (Indemnification).

12. Dispute Resolution

These terms are governed by the laws of the Kingdom of Thailand. If a dispute arises between you and Khao Wealth in connection with these terms or a workshop, we ask that you first contact us directly at [email protected] so that we may seek to resolve the matter informally.

If informal resolution is not possible within 30 days of written notice, the dispute shall be subject to the exclusive jurisdiction of the courts of Khon Kaen Province, Thailand.

We acknowledge your rights as a consumer under the Consumer Protection Act B.E. 2522 and related Thai legislation; nothing in these terms is intended to limit those rights.

13. General Provisions

• Entire agreement: These terms, together with any registration confirmation, constitute the entire agreement between you and Khao Wealth regarding the subject matter herein.
• Severability: If any provision of these terms is found to be unenforceable, that provision will be modified to the minimum extent necessary, and all other provisions will remain in full effect.
• Waiver: Our failure to enforce any right or provision of these terms on one occasion does not constitute a waiver of that right on future occasions.
• Assignment: You may not assign your rights under these terms without our prior written consent. We may assign our rights to a successor entity without restriction.
• Notices: Notices sent to us should be addressed to [email protected] or to our postal address. We will communicate with you using the email address you provide at registration.
• Language: These terms are written in English. In the event of any conflict with a translated version, the English text shall prevail.

14. Changes to These Terms

We may update these Terms and Conditions from time to time to reflect changes in our services, applicable law, or how we operate. When we make material changes, we will update the "Last Updated" date at the top of this page. We encourage you to review these terms periodically.

Your continued use of the Website, or your registration for a workshop after a revision has been published, constitutes your acceptance of the updated terms.

15. Contact

If you have questions about these Terms and Conditions, or wish to raise a concern, please contact us:

Khao Wealth
263 Mittraphap Road, Mueang, Khon Kaen 40000, Thailand
Email: [email protected]
Phone: +66 80 539 2746