Terms & Conditions

1. Definitions

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

• Agreement — these Terms and Conditions, together with any enrolment confirmation issued by us.
• Charoen Path / We / Us / Our — the financial education organisation operating at 63/5 Chang Phueak Road, Si Phum, Muang, Chiang Mai 50300, Thailand.
• User / You / Your — any individual who visits our website, enquires about our programmes, or enrols in any course we offer.
• Service — the financial education programmes, materials, sessions, and related resources made available by Charoen Path.
• Content — all written materials, worksheets, notebooks, recorded lessons, and any other course materials provided as part of a programme.
• Programme — any one of the structured learning offerings we provide, including Before the Rains, Weathering Well, and The Whole Year Programme.

2. Acceptance of Terms

By visiting our website, submitting an enquiry, or enrolling in a programme, you confirm that:

• You have read and agree to be bound by these Terms and Conditions.
• You are at least 18 years of age and have the legal capacity to enter into this Agreement.
• You are providing accurate information when communicating with us or completing any enrolment form.

If you are enrolling on behalf of another person, you represent that you have the authority to accept these terms on their behalf.

3. Service Description

Charoen Path offers small-group financial education programmes designed for adults in or approaching midlife. Our current programmes are:

• Before the Rains — a three-session introductory programme covering budgeting, saving, and everyday Thai banking. Fee: ฿4,400.
• Weathering Well — a six-week course exploring saving routines, deposit options, and planning for life's foreseeable costs. Fee: ฿7,100.
• The Whole Year Programme — a ten-week guided programme addressing pensions, healthcare planning, and longer-term choices. Fee: ฿10,500.

Sessions are delivered in Chiang Mai, Thailand. We reserve the right to adjust session formats, schedules, or delivery methods where necessary, and will notify enrolled participants in advance. Our programmes are offered in English. We do not guarantee enrolment in any particular cohort or start date.

4. Enrolment & Accounts

Enrolment in a programme is confirmed only after we have received full payment and sent you a written confirmation. Until that point, no place is reserved.

• You are responsible for ensuring that all information you provide during enrolment is complete and accurate.
• If you wish to transfer your place to another person, please contact us at least seven days before the programme start date. Transfers are subject to our approval and the transferred participant accepting these terms.
• We do not maintain personal online accounts for participants. Course materials and recordings are shared directly by our team.

5. User Responsibilities

When using our website or participating in our programmes, you agree to:

• Behave respectfully toward other participants, our instructors, and staff at all times.
• Use all course materials solely for your own personal learning and not for commercial purposes.
• Refrain from recording, photographing, or sharing live sessions without our prior written consent.
• Not misrepresent information you share with us or with other participants in a group setting.
• Not use our website or materials to transmit spam, harmful content, or any unlawful communication.

We reserve the right to ask a participant to leave a programme if their conduct is disruptive or disrespectful to others. In such circumstances, no refund will be issued.

6. Intellectual Property

All content produced by Charoen Path — including but not limited to printed guides, worksheets, planning notebooks, recorded lessons, and website text — remains the intellectual property of Charoen Path. We grant you a limited, personal, non-transferable licence to use these materials for your own private study during and after the programme you have enrolled in.

You may not reproduce, distribute, publish, adapt, sell, or otherwise exploit any content without our prior written permission. Sharing printed or digital materials with individuals who have not enrolled in the relevant programme is not permitted.

7. Payment Terms

All fees are stated in Thai Baht (฿) and are payable in full before your programme begins, unless we have agreed otherwise in writing.

• Accepted methods: Bank transfer and cash (where accepted). Details will be provided on your enrolment confirmation.
• Cancellation by you: If you cancel more than 14 days before the programme start date, we will refund 80% of the fee paid. Cancellations made within 14 days of the start date are not eligible for a refund, except where the programme is cancelled by us.
• Cancellation by us: In the unlikely event that we cancel a programme, you will receive a full refund or be offered a place in the next available cohort.
• No-shows: If you do not attend without prior notice, no refund will be issued.

8. Course-Specific Terms

The following additional terms apply to all Charoen Path programmes:

• Attendance: We ask that you attend all sessions. If you miss a session, we will do our best to share relevant materials, but we cannot guarantee make-up sessions.
• Recorded lessons (available in Weathering Well and The Whole Year Programme): Recordings are for personal use only and must not be shared or distributed.
• Completion: We do not issue formal certificates or qualifications. Our programmes are educational in nature and do not confer regulated financial qualifications.
• Academic integrity: Worksheets and planning tools are for your own personal reflection. We ask that you engage honestly with the materials provided.
• Group size: Programmes are limited to small groups. We may adjust minimum numbers required for a cohort to proceed.

9. Disclaimers

Charoen Path provides financial education — not financial advice. Our programmes are designed to help you understand general financial concepts and planning considerations. They are not a substitute for personalised advice from a licensed financial adviser, accountant, or legal professional.

• We do not recommend specific investment products, funds, or financial institutions.
• Completing our programmes does not mean your financial situation will improve. Outcomes depend entirely on your own circumstances and decisions.
• Our website and materials are provided in good faith, but we cannot warrant that all information is current, complete, or free from error.
• We strongly encourage participants in The Whole Year Programme to discuss retirement and healthcare planning decisions with a licensed professional before acting on any information covered in our sessions.

10. Limitation of Liability

To the fullest extent permitted by Thai law:

• Charoen Path will not be liable for any indirect, consequential, or incidental loss arising from your use of our website or participation in our programmes.
• Our total liability to you for any claim arising from or related to these terms or our services will not exceed the amount you paid for the relevant programme.
• We are not responsible for disruption caused by circumstances outside our control, including illness of instructors, natural events, or public health measures.

11. Indemnification

You agree to hold Charoen Path, its staff, and instructors harmless from any claims, losses, or expenses (including reasonable legal costs) arising from your violation of these terms, your conduct during our programmes, or any misuse of our materials or website.

12. Termination

Either party may end participation in a programme by giving written notice.

• If you choose to withdraw after a programme has begun, the refund terms in Section 7 apply.
• We may end your participation if you breach these terms, including conduct that disrupts the group. In such cases, refunds will not be issued.
• The provisions of Sections 6, 9, 10, 11, and 13 will continue to apply after any termination.

13. Dispute Resolution

We hope that any concern you have can be addressed through a calm and open conversation. If an issue arises, please contact us first at [email protected] and allow us 14 days to respond before taking any further steps.

• Governing law: These terms are governed by the laws of the Kingdom of Thailand.
• Jurisdiction: Any dispute that cannot be resolved informally will be subject to the jurisdiction of the courts in Chiang Mai, Thailand.
• Nothing in this section prevents either party from seeking urgent interim relief from a court where necessary.

14. General Provisions

• Entire agreement: These Terms and Conditions, together with any enrolment confirmation, constitute the full agreement between you and Charoen Path in relation to our services.
• Severability: If any provision of these terms is found to be unenforceable, the remaining provisions will continue in full effect.
• Waiver: Our failure to enforce any provision does not constitute a waiver of our right to enforce it in the future.
• Assignment: You may not assign your rights under these terms to any other person without our written consent.
• Notices: Formal notices should be sent by email to [email protected] or by post to our address in Chiang Mai.

15. Changes to These Terms

We may update these Terms and Conditions from time to time. When we do, the revised version will be published on this page with an updated "Last Updated" date. If you are already enrolled in a programme at the time of a change, we will notify you directly. Continued use of our website or participation in our programmes after any change constitutes your acceptance of the revised terms.

16. Contact

For questions about these Terms and Conditions, please write to: