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Terms & Conditions

Last Updated: 15 March 2026 · Effective Date: 15 March 2026

1. Definitions

In these Terms and Conditions:

2. Acceptance of Terms

By accessing our website or enrolling in any Suvarna Wealth course, you confirm that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you should not use our website or enrol in our courses.

You must be at least 18 years of age to enrol in a course. By enrolling, you confirm that you meet this requirement and have the legal capacity to enter into this agreement.

3. Service Description

Suvarna Wealth provides financial education courses for adults 40 years of age and older, conducted in English with content relevant to the Thai financial market. Our courses are educational in nature and do not constitute financial advice, investment advice, or any form of regulated financial services.

Course availability is subject to cohort scheduling. We reserve the right to reschedule or cancel a cohort if minimum enrolment numbers are not met, in which case enrolled participants will be offered an alternative cohort or a full refund.

4. Enrolment and User Accounts

Enrolment in a course is confirmed upon receipt of full payment. You are responsible for providing accurate contact information at enrolment. Access to course materials is granted to the individual enrolee only and may not be shared or transferred.

5. User Responsibilities

When using our Service, you agree to:

The following activities are prohibited:

6. Intellectual Property

All course content, materials, worksheets, and written resources produced by Suvarna Wealth are protected by copyright. You are granted a limited, personal, non-exclusive, non-transferable licence to use these materials for your own educational purposes during and after your course.

You may not reproduce, distribute, publicly display, or create derivative works from Suvarna Wealth course materials without prior written permission.

Personal documents you produce during the course — including cashflow maps, savings plans, foundation documents, and personal plan documents — belong to you entirely.

7. Payment Terms

Course fees are as listed on our website at the time of enrolment, denominated in Thai Baht (THB). Payment is due in full at the time of enrolment confirmation. We accept payment via the methods displayed on our enrolment page.

Refund Policy

Refund requests must be submitted by email to [email protected].

8. Educational Nature of the Service

Suvarna Wealth courses provide financial education only. Nothing in our course content, materials, or mentor conversations constitutes personalised financial advice, investment advice, tax advice, or any form of regulated financial service. We make no representation that course content is appropriate to your individual financial situation, and we strongly encourage participants to consult a qualified financial professional for advice specific to their circumstances.

9. Disclaimers

Our courses are provided on an "as is" basis. While we take care to ensure the accuracy and currency of our course content, we make no warranty that information provided is complete, accurate, or current at all times. Financial regulations, products, and market conditions change, and course content reflects the state of knowledge at the time of the most recent curriculum review.

10. Limitation of Liability

To the maximum extent permitted by Thai law, Suvarna Wealth's total liability for any claim arising from your use of our Service is limited to the total course fees paid by you in connection with the claim. We are not liable for indirect, incidental, or consequential losses, including financial losses arising from decisions made on the basis of course content.

11. Termination

We reserve the right to remove a participant from a course without refund in cases of conduct that materially disrupts other participants or violates these terms. You may withdraw from a course subject to the refund policy in Section 7. Post-completion access to written materials is not affected by withdrawal from group sessions.

12. Dispute Resolution

These Terms and Conditions are governed by the laws of Thailand. In the event of a dispute, we encourage an initial informal discussion to seek resolution. If informal resolution is not possible, disputes will be subject to the jurisdiction of the Thai courts.

13. General Provisions

These Terms and Conditions, together with our Privacy Policy, constitute the entire agreement between you and Suvarna Wealth in relation to your use of our Service. If any provision of these terms is found to be unenforceable, it will be modified to the minimum extent necessary, and the remaining provisions will continue in full force. Our failure to enforce any provision at any time does not constitute a waiver of that provision.

14. Changes to These Terms

We may update these Terms and Conditions from time to time. The "Last Updated" date at the top of this page will reflect any changes. For material changes affecting enrolled participants, we will provide direct notice by email. Continued use of our Service following posted changes constitutes acceptance of the revised terms.

15. Contact

For questions about these Terms and Conditions: