Terms & Conditions

1. Definitions

In these Terms and Conditions:

• "Phutthon Group", "we", "us", "our" refers to Phutthon Group, operating from 145 Nimmanhaemin Road, Suthep, Chiang Mai 50200, Thailand.
• "Programme" refers to any educational session, workshop, or weekend course offered by Phutthon Group.
• "Participant" or "you" refers to any individual who registers for or attends a Programme.
• "Agreement" refers to these Terms and Conditions, which apply to all Participants.
• "Content" refers to all materials, workbooks, checklists, templates, and printed documents provided as part of a Programme.

2. Acceptance of Terms

By registering for or attending any Programme offered by Phutthon Group, you agree to be bound by these Terms and Conditions. If you do not agree, please do not register or attend.

Our programmes are intended for adults aged 18 and over. Phutthon Group reserves the right to decline registration if minimum age requirements are not met.

3. Description of Services

Phutthon Group offers educational programmes in personal finance for adults at 40 and above, delivered in person in Chiang Mai, Thailand. Current programmes include:

• The Foundations of Household Investing (four sessions)
• Reading Insurance with Care (one-day workshop)
• Drawing the Map: A Personal Financial Plan (two-day weekend)

Programme content is educational only. Phutthon Group does not provide investment advice, insurance advice, tax advice, or financial planning advice as defined under Thai law. No Programme results in a recommendation to purchase or sell any financial product.

4. Registration and Confirmation

Registration is complete upon receipt of full payment and written confirmation from Phutthon Group. Session availability is limited; registration does not guarantee placement until confirmed.

If a session you register for is not available, we will contact you to offer the next available date or a full refund.

5. Payment Terms

Programme fees are payable in Thai Baht (THB) as listed on our website at the time of registration. Current fees are:

• Foundations of Household Investing: 5,400 THB
• Reading Insurance with Care: 8,700 THB
• Drawing the Map: A Personal Financial Plan: 11,500 THB

Fees include all session materials and post-programme facilitator access for four weeks. No additional charges apply.

6. Cancellation and Refund Policy

If you cancel your registration:

• 14 or more days before the start date: Full refund of programme fee
• 7 to 13 days before the start date: 50% refund of programme fee
• Less than 7 days before the start date: No refund; you may transfer your place to the next available date

If Phutthon Group cancels or reschedules a session, registered participants will receive a full refund or the option to attend the next available session.

7. Participant Responsibilities

As a Participant, you agree to:

• Attend sessions punctually and engage respectfully with facilitators and other participants
• Use programme materials for personal educational purposes only
• Not record sessions (audio or video) without written permission from Phutthon Group
• Acknowledge that session discussions are confidential and not to be shared in ways that identify other participants

8. Intellectual Property

All programme materials, workbooks, templates, and checklists are the intellectual property of Phutthon Group. Participants are granted a limited, non-exclusive, non-transferable licence to use materials for personal educational purposes.

Materials may not be reproduced, distributed, or adapted for commercial use without written permission from Phutthon Group.

9. Disclaimers

Phutthon Group programmes are educational in nature. Nothing discussed, shared, or provided in any programme constitutes investment advice, insurance advice, financial planning advice, tax advice, or legal advice.

Participants are responsible for their own financial decisions. Phutthon Group accepts no responsibility for decisions made by participants following attendance at any programme.

Programme content is accurate to the best of our knowledge at the time of delivery. Thai financial regulations change periodically; participants should verify current requirements with qualified advisers before acting on any information.

10. Limitation of Liability

To the extent permitted by Thai law, Phutthon Group's total liability to any Participant arising from or related to a Programme shall not exceed the fee paid by that Participant for the Programme.

Phutthon Group shall not be liable for indirect, consequential, or incidental losses arising from participation in any Programme or use of programme materials.

11. Confidentiality

Phutthon Group facilitators will not disclose personal financial information shared by participants during sessions to any third party. Participant discussions are treated as confidential. Personal financial data produced during a session (such as a completed financial planning template) is the property of the participant and is not retained by Phutthon Group.

12. Governing Law and Jurisdiction

These Terms and Conditions are governed by the laws of Thailand. Any dispute arising from these Terms shall be subject to the jurisdiction of the competent courts of Chiang Mai Province, Thailand.

13. Changes to These Terms

We may update these Terms and Conditions from time to time. Changes will be posted on this page with an updated effective date. Registration for any Programme after such changes constitutes acceptance of the updated Terms.

14. Contact

For questions about these Terms:
Phutthon Group
145 Nimmanhaemin Road, Suthep, Chiang Mai 50200, Thailand
Email: [email protected]
Phone: +66 88 562 4197