Terms & Conditions

1. Definitions

In these Terms and Conditions:

• "We," "Us," "Our" refers to Naga Wealth, a financial education provider operating in Chiang Mai, Thailand
• "You," "Your," "Participant" refers to individuals enrolling in or attending our programs
• "Services" refers to our financial education programs, workshops, and seminars
• "Programs" refers to our educational offerings including the Debt Management Workshop, Real Estate Awareness Seminar, and Comprehensive Financial Wellness Program
• "Agreement" refers to these Terms and Conditions

2. Acceptance of Terms

By enrolling in our programs, accessing our website, or using our services, you 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 services.

You confirm that you are at least 18 years of age and have the legal capacity to enter into this agreement.

3. Service Description

Naga Wealth provides financial education programs designed for individuals over 40. Our services include:

• Educational workshops and seminars on financial topics
• Group learning sessions with structured curriculum
• Educational materials and planning tools
• Access to program resources as specified in each program description

Our programs are educational in nature. We do not provide individualized financial advice, investment recommendations, or financial planning services. We do not sell financial products or earn commissions from recommendations.

4. Program Enrollment and Registration

4.1 Registration Requirements

To enroll in our programs, you must:

• Provide accurate and complete registration information
• Be at least 18 years of age
• Pay the applicable program fee
• Accept these Terms and Conditions

4.2 Enrollment Confirmation

Upon successful registration and payment, you will receive confirmation via email. Your enrollment is confirmed only when you receive this confirmation.

4.3 Program Availability

Program availability is subject to minimum enrollment requirements. We reserve the right to cancel or reschedule programs if minimum enrollment is not met, in which case you will receive a full refund.

5. Payment Terms

5.1 Program Fees

Program fees are stated in Thai Baht (฿) and include:

• All scheduled program sessions
• Educational materials and resources as specified
• Access to any digital resources or tools included in the program

5.2 Payment Methods

We accept payment via bank transfer, credit card, or other methods as specified during enrollment. Full payment is required at the time of registration unless alternative arrangements have been made in writing.

5.3 Refund Policy

Refunds are handled as follows:

• More than 14 days before program start: Full refund minus a 10% administrative fee
• 7-14 days before program start: 50% refund
• Less than 7 days before program start: No refund
• Program cancellation by Naga Wealth: Full refund

Refund requests must be submitted in writing to info@nagawoes.

6. Participant Responsibilities

6.1 Attendance

You are expected to attend all scheduled sessions. While we understand that occasional absences may be unavoidable, we cannot provide make-up sessions or partial refunds for missed sessions.

6.2 Conduct

Participants are expected to:

• Treat educators and other participants with respect
• Maintain confidentiality of other participants' personal information shared during sessions
• Arrive on time and participate constructively
• Not disrupt the learning environment

We reserve the right to remove participants who violate these conduct expectations, without refund.

6.3 Personal Responsibility

You acknowledge that:

• You are responsible for your own financial decisions
• Our programs provide education, not individualized financial advice
• You should consult qualified professionals for specific financial, legal, or tax advice
• Implementation of program content is your own decision and responsibility

7. Intellectual Property

7.1 Our Content

All program materials, curriculum, handouts, tools, and website content are protected by copyright and belong to Naga Wealth or our licensors. You may not:

• Reproduce materials for commercial purposes
• Share materials with non-participants
• Modify or create derivative works
• Use materials to conduct your own programs or training

7.2 Personal Use License

We grant you a limited, non-exclusive, non-transferable license to use program materials for your personal financial planning purposes only.

8. Disclaimers

8.1 Educational Purpose

Our programs are designed for educational purposes only. Content should not be considered as:

• Personalized financial, investment, tax, or legal advice
• Recommendations to purchase or sell specific financial products
• Predictions about future market performance or economic conditions

8.2 No Guarantees

We make no warranties or representations about:

• Specific financial outcomes from applying program content
• Suitability of any particular strategy for your individual circumstances
• Completeness or currency of information, as financial regulations and markets change

8.3 "As Is" Provision

Programs and materials are provided "as is" without warranties of any kind, either express or implied.

9. Limitation of Liability

To the maximum extent permitted by Thai law:

• Naga Wealth shall not be liable for any indirect, incidental, special, or consequential damages
• Our total liability for any claim relating to our services shall not exceed the amount you paid for the relevant program
• We are not liable for financial losses resulting from decisions you make based on program content
• We are not responsible for errors or omissions in program materials

This limitation of liability applies whether the claim is based on contract, negligence, or any other legal theory.

10. Indemnification

You agree to indemnify and hold Naga Wealth, its educators, and staff harmless from any claims, damages, or expenses arising from your violation of these Terms or your use of our services.

11. Program Changes and Cancellations

We reserve the right to:

• Modify program content to reflect current information and regulations
• Change session schedules with reasonable notice to participants
• Substitute educators when necessary
• Cancel programs that do not meet minimum enrollment, with full refunds

We will make reasonable efforts to notify you of significant changes in advance.

12. Confidentiality

Information shared by other participants during group sessions is confidential. You agree not to disclose personal or financial information shared by others outside the program context.

13. Dispute Resolution

13.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of Thailand.

13.2 Jurisdiction

Any disputes arising from these Terms or our services shall be subject to the exclusive jurisdiction of the courts in Chiang Mai, Thailand.

13.3 Informal Resolution

Before initiating formal proceedings, you agree to contact us to seek an informal resolution. Many disputes can be resolved through direct communication.

14. General Provisions

14.1 Entire Agreement

These Terms constitute the entire agreement between you and Naga Wealth regarding our services and supersede any prior agreements or understandings.

14.2 Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.

14.3 Waiver

Our failure to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision.

14.4 Assignment

You may not assign or transfer your rights or obligations under these Terms. We may assign our rights and obligations to another entity.

14.5 Notice

Notices to us should be sent to legal@nagawoes. We will provide notices to you via the email address you provided during registration.

15. Changes to Terms

We may update these Terms from time to time to reflect:

• Changes in our programs or services
• Legal or regulatory requirements
• Industry best practices

Updated Terms will be posted on our website with a new effective date. Your continued use of our services after changes are posted constitutes acceptance of the revised Terms.

16. Contact Information

For questions about these Terms and Conditions, please contact: