Terms & Conditions

1. About Saen Wealth

Saen Wealth is a financial education business registered and operating in Bangkok, Thailand. Our address is 86 Phloen Chit Road, Lumphini, Bangkok 10330. We can be reached by telephone at +66 2 681 4279 or by email at [email protected].

We offer educational programmes, workshops, and materials for adults who wish to deepen their understanding of personal finance, investing, and related topics. We do not hold a licence to provide personal financial advice, and nothing offered by Saen Wealth constitutes regulated financial advice under Thai law.

2. Educational Purpose Only

All programmes, sessions, written materials, and communications from Saen Wealth are intended solely for general educational purposes. They are designed to help participants understand financial concepts, structures, and considerations — not to recommend specific financial products, strategies, or courses of action.

Participants are encouraged to consult a licensed financial adviser, accountant, or legal professional before making financial decisions. In programmes that touch on social security, participants are additionally encouraged to contact the Thai Social Security Office directly regarding their own account details.

Saen Wealth accepts no responsibility for financial decisions made by participants on the basis of materials or discussions from our programmes.

3. Programme Enrolment and Fees

Enrolment in a programme is confirmed once Saen Wealth has received payment in full and issued written confirmation. All fees are quoted and charged in Thai Baht (THB). Published fees include VAT where applicable and will not change after confirmation is issued, except in cases of error.

Enrolment is personal to the named participant and may not be transferred to another person without prior written agreement from Saen Wealth.

Saen Wealth reserves the right to decline or cancel an enrolment at its reasonable discretion, in which case fees paid will be returned in full.

4. Cancellation and Rescheduling

If a participant wishes to cancel their enrolment, they should notify Saen Wealth in writing as early as possible.

• Cancellations received more than 14 days before the first session: a full refund of fees paid.
• Cancellations received between 7 and 14 days before the first session: a 50% refund of fees paid.
• Cancellations received fewer than 7 days before the first session: no refund will be issued, though a credit toward a future programme may be offered at Saen Wealth's discretion.

Participants may request to reschedule a session, subject to availability. Rescheduling requests should be made at least 48 hours before the relevant session.

If Saen Wealth cancels or reschedules a session for reasons within our control, participants will be offered a rescheduled date or a proportionate refund.

5. Programme Materials

Written materials, reference cards, reading lists, and other documents provided as part of a programme are for the personal educational use of the enrolled participant only. They may not be reproduced, distributed, sold, or shared beyond the participant's immediate household without written permission from Saen Wealth.

Copyright in all Saen Wealth materials remains with Saen Wealth unless otherwise stated.

6. Conduct in Sessions

Saen Wealth programmes are conducted in a respectful, considered environment. All participants are asked to engage in a spirit of mutual courtesy and to respect the confidentiality of fellow participants' personal disclosures during group discussions.

Saen Wealth reserves the right to ask a participant to leave a session if their conduct is disruptive, disrespectful, or harmful to other participants. No refund will be issued in such circumstances.

7. Website Use

This website is provided for general information about Saen Wealth and its programmes. While we take reasonable care to keep information current and accurate, we do not warrant that all content on the site is complete, accurate, or up to date at all times.

You may browse, print, or save pages from this website for personal, non-commercial purposes. Republishing, reselling, or systematically extracting content from this website is not permitted without prior written consent.

Links to external websites are provided for convenience only. Saen Wealth does not endorse and accepts no responsibility for the content of external sites.

8. Limitation of Liability

To the fullest extent permitted by Thai law, Saen Wealth's liability to participants or website visitors for any loss or damage arising from the use of our programmes, materials, or website is limited to the fees paid for the relevant programme. We do not accept liability for indirect, consequential, or financial losses.

Nothing in these terms limits our liability for fraud, personal injury caused by negligence, or any other liability that cannot be excluded under Thai law.

9. Governing Law

These terms are governed by the laws of Thailand. Any dispute arising in connection with these terms or our programmes shall be subject to the non-exclusive jurisdiction of the courts of Bangkok, Thailand. We are, however, always willing to seek an amicable resolution before any formal proceedings.

10. Changes to These Terms

Saen Wealth may update these terms from time to time. The date at the top of this page reflects when they were last revised. For participants already enrolled in a programme, the terms in effect at the time of enrolment confirmation apply. We recommend revisiting this page periodically if you intend to enrol in future programmes.