Terms & Conditions

1. Definitions

In these Terms and Conditions, the following terms have the meanings assigned below:

• "Peakrim," "we," "us," "our" refers to Peakrim, a financial education provider registered and operating in Bangkok, Thailand, with its principal place of business at 42 Charoen Nakhon Road, Khlong San, Bangkok 10600.
• "Program" refers to any of the educational programs offered by Peakrim, including Inflation-Adjusted Goal Setting, Comparative Investment Vehicle Analysis, and Legacy Planning Foundation.
• "Participant," "you," "your" refers to the individual who enrolls in, purchases, or uses any Peakrim program or website.
• "Session" refers to each individual meeting or consultation forming part of a Program.
• "Materials" refers to all documents, tools, calculators, workbooks, matrices, and any written content provided to Participants as part of a Program.
• "Website" refers to the Peakrim website and all associated pages and content.

2. Nature of Services

Peakrim provides structured financial education programs designed to build financial literacy and analytical understanding. All programs are educational in nature and are intended to help Participants develop knowledge, frameworks, and practical tools for thinking about personal financial matters.

Peakrim is not a licensed financial advisor, investment broker, insurance agent, legal advisor, or tax consultant under Thai law. Programs do not constitute, and should not be construed as, personalised financial advice, investment recommendations, legal guidance, or regulated services of any kind.

Participants are encouraged to seek qualified professional advice before making any financial, investment, legal, or tax decisions. Where appropriate, Peakrim may recommend suitable professionals, but such referrals do not constitute an endorsement or assume any responsibility for the services of third parties.

3. Enrollment & Registration

Enrollment in any Peakrim program requires prior contact with Peakrim via telephone, email, or the contact form on our website. Enrollment is confirmed only upon receipt of full payment and written confirmation from Peakrim.

Participants must be at least 18 years of age to enroll independently. Individuals under 18 may participate only with the written consent of a parent or legal guardian, who assumes full responsibility under these Terms.

You agree to provide accurate, complete, and current information at the time of enrollment. Peakrim reserves the right to decline or cancel an enrollment at its discretion, in which case any payments received will be refunded in full.

Each Program enrollment is for a single individual. Programs are not transferable to another person without prior written consent from Peakrim.

4. Fees & Payment

Program fees are as published on the Peakrim website at the time of enrollment:

• Inflation-Adjusted Goal Setting: ฿4,000 (two sessions)
• Comparative Investment Vehicle Analysis: ฿8,500 (four sessions)
• Legacy Planning Foundation: ฿19,000 (four sessions)

All fees are quoted in Thai Baht (THB) and are inclusive of any applicable taxes unless otherwise stated. Fees are subject to change; the applicable fee is that confirmed in writing at the time of your enrollment.

Payment is due in full prior to the first Session of any Program. Accepted payment methods include Thai bank transfer and cash payment at our office. A payment confirmation will be issued upon receipt of cleared funds.

Peakrim does not store or process payment card data directly. Any card payments facilitated through third-party systems are subject to the security and privacy policies of those providers.

5. Cancellation & Rescheduling

Participants may reschedule a Session by providing at least 48 hours' notice prior to the scheduled time. Rescheduling requests should be made by telephone (+66 2 438 7241) or email. Peakrim will make reasonable efforts to accommodate a new time within the same program cycle.

Sessions cancelled with less than 48 hours' notice, or where the Participant does not attend without prior notice, will generally be forfeited unless exceptional circumstances apply. Peakrim may, at its sole discretion, offer a replacement session where circumstances are considered genuine.

If Peakrim needs to cancel or reschedule a Session due to unforeseen circumstances, Participants will be notified as soon as reasonably possible and a replacement Session will be arranged at no additional cost.

6. Refund Policy

Participants who request a cancellation of their entire Program enrollment before attending any Session are entitled to a full refund, provided the request is made at least five (5) business days before the first scheduled Session.

Cancellations requested fewer than five business days before the first Session, or after any Session has been attended, are not eligible for a full refund. In such cases, Peakrim may, at its discretion, offer a partial refund or credit for a future program where exceptional circumstances are demonstrated.

Refunds, where applicable, will be processed to the original payment method within 10 business days of the confirmed cancellation. Peakrim reserves the right to deduct any reasonable administrative costs incurred.

Where Peakrim cancels an entire Program for reasons within its control, Participants will receive a full refund of fees paid.

7. Program Materials

All Materials provided during a Program are for the personal use of the enrolled Participant only. Materials are included in the program fee and will be provided in digital or printed format as agreed during the session planning process.

Participants may use Materials for their own personal financial planning and reference. Materials may not be reproduced, shared, redistributed, published, or used for commercial purposes without the prior written consent of Peakrim.

Materials are provided as educational reference documents. They reflect general frameworks and publicly available data as of the time of preparation. Peakrim does not warrant that Materials are free of errors, complete, or applicable to every individual financial situation.

8. Intellectual Property

All content on the Peakrim website and in Peakrim programs — including but not limited to text, program design, methodology, Materials, graphics, and branding — is the intellectual property of Peakrim and is protected under applicable Thai copyright and intellectual property law.

Nothing in these Terms grants Participants any right to reproduce, modify, distribute, or create derivative works from Peakrim content beyond the personal use described in Section 7.

The "Peakrim" name and logo are proprietary identifiers of Peakrim. Use of these identifiers without prior written permission is not permitted.

9. Participant Obligations

By enrolling in a Program, you agree to:

• Attend Sessions at the agreed times and engage in good faith;
• Treat Peakrim educators and staff with courtesy and respect;
• Not record Sessions (audio or video) without prior written consent;
• Refrain from using Sessions for the purpose of obtaining product sales, investment solicitations, or competitor research;
• Provide accurate information about your financial situation where relevant to program content, understanding that such information is used solely to tailor educational discussion and is held in accordance with our Privacy Policy.

Peakrim reserves the right to terminate a Participant's enrollment at any time if conduct is deemed disruptive, disrespectful, or in violation of these Terms. In such circumstances, no refund will be issued for Sessions already delivered.

10. Limitation of Liability

To the fullest extent permitted by applicable Thai law, Peakrim's total liability to any Participant arising from or in connection with a Program shall not exceed the total fees paid by that Participant for the relevant Program.

Peakrim shall not be liable for any indirect, incidental, special, or consequential loss or damage, including but not limited to loss of income, financial loss, or investment loss, arising from participation in any Program or use of any Materials.

Peakrim does not accept responsibility for financial decisions made by Participants based on Program content. Participants acknowledge that all financial decisions remain their own and that Peakrim's role is educational only.

Nothing in these Terms limits Peakrim's liability for death or personal injury caused by its negligence, or for fraud or fraudulent misrepresentation.

11. No Financial Advice Disclaimer

Peakrim provides financial education only. No content in any Program, Session, Material, or on the Peakrim website constitutes financial advice, investment advice, tax advice, or legal advice.

Past performance data and historical financial information referenced in Programs are used for educational illustration only and do not indicate or suggest future performance of any investment or financial product.

Participants should not make investment, savings, insurance, estate planning, or tax decisions solely on the basis of information received from Peakrim. Independent professional advice should be sought for personalised financial guidance.

12. Website Use

The Peakrim website is provided for general information purposes. We make reasonable efforts to keep information accurate and current, but we do not warrant the completeness, accuracy, or reliability of website content at any given time.

You may not use the Peakrim website for any unlawful purpose, to introduce malicious software, to attempt unauthorised access to any system, or to harvest personal data about other individuals.

Links to third-party websites are provided for convenience. Peakrim does not endorse, and accepts no responsibility for, the content of any external site.

Peakrim reserves the right to modify, suspend, or discontinue any aspect of the website at any time without prior notice.

13. Data & Privacy

Peakrim collects and processes personal data in accordance with the Thai Personal Data Protection Act B.E. 2562 (PDPA) and as described in our Privacy Policy, which is incorporated into these Terms by reference.

By enrolling in a Program or using our website, you acknowledge that you have read and understood our Privacy Policy and consent to the collection and use of your data as described therein.

14. Governing Law & Dispute Resolution

These Terms and Conditions are governed by and construed in accordance with the laws of the Kingdom of Thailand.

In the event of any dispute arising from or in connection with these Terms or any Program, the parties agree to first attempt resolution through good-faith negotiation. Should negotiation fail, the dispute shall be subject to the exclusive jurisdiction of the competent courts in Bangkok, Thailand.

Nothing in this clause prevents either party from seeking urgent injunctive relief where appropriate.

15. Changes to These Terms

Peakrim may update these Terms and Conditions from time to time to reflect changes in our services, applicable law, or operating practices. The date of the most recent revision will be indicated at the top of this page.

Continued use of our website or participation in any Program following the publication of updated Terms constitutes acceptance of the revised Terms. If you do not agree to updated Terms, please contact us before continuing to use our services.

For existing enrolled Participants, changes to Terms will not affect the terms under which a Program was booked and paid for unless otherwise agreed in writing.

16. Contact Us

If you have any questions about these Terms and Conditions, please contact us:

• Post: Peakrim, 42 Charoen Nakhon Road, Khlong San, Bangkok 10600, Thailand
• Phone: +66 2 438 7241
• Email: [email protected]
• Hours: Monday – Friday, 9:00 – 18:00; Saturday, 10:00 – 14:00 (ICT)