Terms & Conditions

By accessing our website or enrolling in a programme, you accept this Agreement in full. If you do not wish to accept these terms, please do not use our website or register for our services.

To enrol in our programmes, you must be at least 18 years of age and have the legal capacity to enter a binding agreement under Thai law or the laws of your country of residence.

If you are enrolling on behalf of another person, you confirm that you have their authority to do so and that they are also aware of and accept these terms.

Sirin Capital provides financial education programmes designed for adults in midlife and beyond, based in or visiting Thailand. Our programmes cover personal budgeting, saving, investment awareness, retirement planning, and Thai banking literacy.

Our three current programmes are:

• ·Finding Your Bearings — a three-session introductory series at ฿4,500.
• ·A Steady Light — a six-week course at ฿6,800.
• ·The Far Beacon Programme — a ten-week guided programme at ฿10,400.

Programmes are primarily delivered in-person at our Phuket premises. Recorded lessons, where included, are made available digitally. We reserve the right to adjust session formats with reasonable notice.

Our services are intended for educational purposes only. They do not constitute regulated financial advice. We always encourage participants to consult a licensed financial professional before making financial decisions.

Enrolment is confirmed once we receive your registration details and applicable payment. We will send a written confirmation to the email address you provide.

You are responsible for attending sessions at the scheduled times. If you are unable to attend a session, please notify us as early as possible. Make-up arrangements are at our discretion and subject to availability.

Printed guides, worksheets, and planning materials are provided as part of each programme and are for your personal use only.

Recorded lessons, where included, may be accessed for a period of six months from the programme end date, after which access may be withdrawn.

Sirin Capital reserves the right to remove a participant from a programme if their conduct is disruptive or harmful to others. In such cases, a partial refund may be offered at our discretion.

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

• ·Provide accurate and truthful information when registering or making an enquiry.
• ·Treat fellow participants and our staff with courtesy and respect.
• ·Use materials provided solely for your personal, non-commercial learning.
• ·Not record sessions without prior written consent from Sirin Capital.
• ·Not share, reproduce, or distribute our materials to third parties.
• ·Not use our website or services for any unlawful purpose.

All content on our website and within our programmes — including course materials, worksheets, planning guides, recorded lessons, written content, and visual design — is the intellectual property of Sirin Capital and is protected under applicable copyright and intellectual property law.

Upon enrolment, we grant you a limited, personal, non-transferable licence to use the materials provided for your own learning. This licence does not permit reproduction, redistribution, or commercial use of any kind.

Feedback or suggestions you share with us may be used to improve our programmes without obligation or compensation to you.

All programme fees are quoted and payable in Thai Baht (฿). Payment is due upon confirmation of enrolment unless a written payment arrangement has been agreed in advance.

We accept bank transfer and cash payment at our Phuket premises. Please contact us to discuss other payment arrangements.

Cancellation by Participant

• ·Cancellation at least 14 days before the programme start date: full refund, less a ฿500 administration fee.
• ·Cancellation between 7 and 13 days before the start date: 50% refund.
• ·Cancellation fewer than 7 days before the start date: no refund, though we will endeavour to place you in a future programme.

Cancellation by Sirin Capital

If we cancel a programme, you will receive a full refund or, if you prefer, a credit toward a future programme. We will provide as much notice as possible.

Our services are provided for educational purposes only. Nothing in our programmes, materials, or communications constitutes regulated financial, investment, legal, or tax advice.

We make no representation that any particular financial outcome will result from participation in our programmes. Personal financial circumstances vary, and we always encourage you to seek guidance from a qualified and licensed professional before acting on anything discussed in our sessions.

Our website and materials are provided in good faith and on an "as available" basis. We do not warrant that the website will be error-free or uninterrupted.

To the extent permitted by Thai law, Sirin Capital shall not be liable for any indirect, incidental, or consequential loss arising from your participation in our programmes or use of our website — including but not limited to financial loss, loss of data, or loss of opportunity.

Our total liability to you for any claim shall not exceed the amount you paid us for the programme in question.

Nothing in these terms limits our liability for death or personal injury caused by negligence, or for fraud or fraudulent misrepresentation.

Either party may end participation in a programme at any time, subject to the refund terms in Section 7.

We reserve the right to withdraw access to our website or materials at any time, with or without notice, if we reasonably believe these terms have been breached.

Sections 6 (Intellectual Property), 8 (Disclaimers), 9 (Limitation of Liability), and 10 (Indemnification) remain in effect after any termination.

These terms are governed by the laws of the Kingdom of Thailand. Any dispute arising from or relating to these terms shall be subject to the exclusive jurisdiction of the Thai courts.

We would always prefer to resolve concerns informally first. If you have a concern, please contact us at [email protected] and we will do our best to reach a fair and considerate resolution promptly.

If informal resolution is not possible, disputes may be referred to mediation or arbitration by mutual agreement before any formal legal proceeding.

Entire Agreement. These terms, together with our Privacy Policy and Cookie Policy, represent the complete agreement between you and Sirin Capital regarding our services.

Severability. If any provision of these terms is found to be unenforceable, the remaining provisions will continue in full effect.

Waiver. Failure to enforce any provision at any time does not constitute a waiver of that provision.

Assignment. You may not transfer your rights or obligations under these terms to another person without our written consent. We may assign our obligations to a successor organisation.

Notices. Any formal notices should be sent to us in writing by email to [email protected] or by post to our registered address.

We may update these terms from time to time to reflect changes in our services or legal requirements. When we do, we will update the "Last Updated" date at the top of this page.

We will make reasonable efforts to notify active participants of material changes via email. Continued use of our website or participation in our programmes after changes take effect means you accept the revised terms.

We recommend reviewing this page periodically to stay informed.