Terms & Conditions

1. Definitions

• "Institute", "we", "us", "our" — maleeinsad, registered at 108 Rama IV Road, Thung Maha Mek, Sathon, Bangkok 10120, Thailand.
• "Learner", "you" — any individual who enrols in or participates in a programme offered by the Institute.
• "Programme" — any course, workshop, session, or related service offered by the Institute, including the three programmes currently listed on our website.
• "Agreement" — these Terms and Conditions together with any enrolment confirmation or correspondence confirming your place.
• "Content" — all course materials, worksheets, printed guides, session recordings, and other materials provided in connection with a programme.

2. Acceptance of Terms

By submitting an enquiry, confirming enrolment, or making a payment, you confirm that you are at least 18 years of age, have the legal capacity to enter this agreement, and agree to be bound by these terms. If you are enrolling on behalf of another person, you warrant that you have their authority to do so.

3. Programme Descriptions and Availability

Programme descriptions on our website are provided for general information. The Institute reserves the right to make reasonable changes to session schedules, formats, and materials where necessary. Such changes will be communicated to enrolled learners in advance.

Programmes are subject to minimum enrolment. If a cohort does not reach the minimum, the Institute may postpone or cancel it, in which case enrolled learners will receive a full refund of fees paid.

4. Enrolment

Enrolment is confirmed upon receipt of a written confirmation from the Institute following an introductory conversation. A place is not reserved until confirmation is provided. For the Comprehensive Wealth and Legacy Academy, enrolment is limited to six learners per cohort and is subject to a brief suitability assessment.

5. Fees and Payment

Programme fees are quoted in Thai Baht (THB) and are as published on our website at the time of enrolment confirmation. Fees are due in full within 7 days of enrolment confirmation unless a staged payment arrangement has been agreed in writing.

Payment is accepted via bank transfer to the Institute's Bangkok account. Details are provided in the enrolment confirmation. Fees are inclusive of all programme components as described — sessions, consultation calls, printed materials, and follow-up periods. No additional charges apply unless agreed in writing.

6. Cancellation and Refund Policy

Cancellation by Learner

• Cancellation more than 14 days before the programme start date: full refund of fees paid.
• Cancellation 7–14 days before start: 50% refund of fees paid.
• Cancellation fewer than 7 days before start or after the programme has commenced: no refund, though a credit toward a future cohort may be considered at the Institute's discretion.
• Cancellation requests must be submitted in writing to [email protected].

Cancellation by Institute

If the Institute cancels a programme, enrolled learners will receive a full refund within 14 days. The Institute's liability is limited to refund of fees paid and does not extend to consequential losses.

7. Learner Responsibilities

Learners are expected to attend sessions with reasonable regularity and engage with course materials in good faith. You agree to:

• Treat other participants and instructors with respect
• Not share, reproduce, or distribute course content without written permission from the Institute
• Maintain the confidentiality of information shared by other learners during group sessions
• Use course content for personal educational purposes only, not for commercial redistribution

8. Intellectual Property

All course materials, worksheets, written guides, and session content are the intellectual property of maleeinsad. Learners are granted a personal, non-transferable licence to use materials for their own educational purposes during and after enrolment. Reproduction or distribution for commercial purposes is not permitted without prior written consent.

9. Nature of Educational Content — Important Disclaimer

The content delivered through maleeinsad programmes is educational in nature. It is designed to help learners understand financial, tax, and estate planning concepts as they apply in Thailand. It does not constitute financial advice, legal advice, or tax advice specific to your individual circumstances, and should not be treated as such.

Where practitioners share observations in consultation sessions, these are offered in an educational context. Learners should seek formal professional advice before making significant financial, legal, or tax decisions. The Institute does not accept liability for decisions made on the basis of programme content alone.

10. Limitation of Liability

To the extent permitted by Thai law, the Institute's total liability to a learner in connection with any programme shall not exceed the total fees paid by that learner for the programme in question. The Institute shall not be liable for indirect, consequential, or speculative losses. Nothing in these terms excludes liability for fraud, death, or personal injury caused by our negligence.

11. Confidentiality

Personal financial information shared by learners in individual consultation sessions or written worksheets is treated as confidential by the Institute and by the practitioners involved. It will not be shared with other learners or third parties except where required by law or where the learner has given explicit consent.

12. Programme Changes and Force Majeure

The Institute may reschedule sessions or change delivery format (e.g. from in-person to online) in response to circumstances beyond its control, including public health requirements, natural events, or government directives. In such cases, the Institute will provide reasonable notice and make reasonable alternative arrangements. Rescheduling does not entitle learners to a refund unless the change is material and the learner cannot reasonably accommodate it.

13. Termination

The Institute reserves the right to remove a learner from a programme without refund in cases of serious misconduct, breach of confidentiality, or behaviour that materially disrupts the experience of other participants. Such decisions will be communicated in writing with reasons provided.

14. Governing Law and Dispute Resolution

These terms are governed by the laws of the Kingdom of Thailand. In the event of a dispute, the parties agree to first seek resolution through good-faith discussion. If resolution cannot be reached informally within 30 days, disputes shall be submitted to the jurisdiction of the courts of Bangkok, Thailand.

15. General

• Entire agreement: These terms, together with any enrolment confirmation, constitute the entire agreement between the parties.
• Severability: If any provision is found unenforceable, the remaining provisions continue in force.
• Waiver: Failure to enforce any term does not constitute waiver of the right to enforce it later.
• Assignment: The Institute may assign its rights under these terms in connection with a business transfer. Learners may not assign their enrolment without the Institute's written consent.

16. Changes to These Terms

We may update these terms from time to time. Changes will be posted on this page with an updated date. Terms applicable at the time of enrolment confirmation govern that enrolment.

17. Contact