Terms & Conditions

1. Acceptance of Terms

These Terms and Conditions ("Terms") govern your enrollment in and participation with Wrenford's financial education programs ("Programs" or "Services"). By enrolling in our Programs, submitting an inquiry, or using our website, you agree to be bound by these Terms.

If you do not agree with any part of these Terms, you should not enroll in our Programs or use our Services. These Terms apply to all participants, prospective participants, and visitors.

2. Definitions

For purposes of these Terms:

• "Wrenford," "we," "our," or "us" refers to the financial education service provider
• "Participant," "you," or "your" refers to individuals enrolled in Programs
• "Programs" refers to all educational offerings including Foundation Stones, Building Higher, and Full Enclosure
• "Materials" refers to educational content, documents, and resources provided during Programs
• "Services" refers to all educational and advisory services we provide

3. Eligibility and Enrollment

3.1 Age Requirement

Participants must be at least 18 years old to enroll in Programs. By enrolling, you represent that you meet this age requirement and have the legal capacity to enter into this agreement.

3.2 Enrollment Process

Enrollment is completed when you submit an enrollment form and pay applicable fees. We reserve the right to accept or decline enrollment applications based on program capacity and suitability.

3.3 Prerequisites

Certain Programs require completion of prerequisite programs or demonstration of equivalent knowledge. Building Higher requires basic financial literacy. Full Enclosure requires investment understanding. We assess readiness during enrollment consultations.

4. Program Delivery and Participation

4.1 Program Structure

Programs are delivered as described in our materials at the time of enrollment. We provide session schedules, locations, and format details upon enrollment. Group programs have limited enrollment to maintain quality.

4.2 Attendance and Engagement

Regular attendance supports learning outcomes. If you must miss sessions, notify us in advance. We provide session materials for review but cannot guarantee individual make-up sessions for group programs. Private consultation programs offer flexible scheduling.

4.3 Educational Nature

Our Programs provide financial education, not financial advice or product recommendations. Information presented is for educational purposes. We do not recommend specific investments, sell financial products, or provide personalized financial planning beyond educational context.

4.4 Program Modifications

We reserve the right to modify program content, scheduling, or format if necessary. We will notify enrolled participants of significant changes. If modifications substantially alter the program, we will offer refunds or transfers to alternative programs.

5. Fees and Payment

5.1 Program Fees

Current program fees are:

• Foundation Stones: Financial Basics - ฿10,800
• Building Higher: Investment Knowledge - ฿32,500
• Full Enclosure: Comprehensive Financial Strategy - ฿66,000

Fees cover program sessions, materials, and ongoing support access. Fees do not include external resources you may choose to obtain.

5.2 Payment Terms

Full payment is due at enrollment unless alternative payment arrangements have been agreed in writing. We accept payment via bank transfer, credit card, or other methods as specified during enrollment. Payment plans may be available upon request.

5.3 Refund Policy

Refunds are available under these conditions:

• Full refund if cancellation occurs more than 14 days before program start date
• 50% refund if cancellation occurs 7-14 days before program start date
• No refund for cancellations less than 7 days before start date or after program begins
• Exception: Full refund if Wrenford cancels or substantially modifies the program

Refund requests must be submitted in writing to [email protected]. Refunds are processed within 14 business days.

6. Intellectual Property

6.1 Our Content

All program materials, curriculum, presentations, documents, and website content are owned by Wrenford and protected by copyright and intellectual property laws. We grant participants a limited, non-exclusive, non-transferable license to use materials for personal educational purposes only.

6.2 Restrictions

Participants may not:

• Reproduce, distribute, or publicly display program materials
• Use materials for commercial purposes
• Create derivative works from our content
• Share materials with non-participants
• Remove copyright notices or attributions

6.3 Recording Policy

Recording of sessions (audio or video) is prohibited without express written permission. This protects participant privacy and our intellectual property.

7. Participant Conduct

Participants agree to:

• Treat instructors and other participants with respect
• Maintain confidentiality regarding financial information shared by others
• Arrive prepared and engage constructively in discussions
• Refrain from disruptive behavior
• Not use programs to market products or services to other participants

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

8. Disclaimers and Limitations

8.1 Educational Purpose

Programs provide general financial education. Information presented should not be construed as personalized financial advice, investment recommendations, tax guidance, or legal counsel. Participants should consult qualified professionals for advice specific to their situations.

8.2 No Guarantees

We do not guarantee specific financial outcomes from participation. Financial results depend on individual circumstances, decisions, and external factors beyond our control. Past participant experiences do not predict future results.

8.3 Service Availability

Programs are provided "as is." While we strive for high quality, we do not warrant uninterrupted or error-free delivery. Website availability may be affected by maintenance or technical issues.

8.4 Third-Party Content

We may reference third-party resources or examples. We are not responsible for accuracy or availability of external content. Participants should evaluate third-party information independently.

9. Limitation of Liability

To the maximum extent permitted by Thai law:

Wrenford's total liability for any claims related to Programs shall not exceed the fees you paid for the specific program giving rise to the claim. We are not liable for indirect, incidental, consequential, or special damages including lost profits or opportunities.

This limitation applies regardless of the legal theory (contract, negligence, or otherwise) and whether we have been advised of the possibility of such damages.

10. Indemnification

You agree to indemnify and hold Wrenford, its instructors, and affiliates harmless from claims, damages, losses, and expenses (including legal fees) arising from:

• Your violation of these Terms
• Your misuse of program materials
• Financial decisions you make following program participation
• Your violation of third-party rights

11. Privacy and Data Protection

Your personal information is handled according to our Privacy Policy. By agreeing to these Terms, you acknowledge you have read and understood our Privacy Policy. We collect and process data as necessary to deliver Programs and comply with legal requirements.

12. Termination

12.1 By Participant

You may withdraw from programs subject to our refund policy (Section 5.3). Access to materials may be revoked upon withdrawal.

12.2 By Wrenford

We may terminate your participation if you:

• Violate these Terms or participant conduct expectations
• Provide false information during enrollment
• Fail to pay fees as agreed
• Engage in behavior detrimental to program quality or other participants

Termination for cause results in forfeiture of fees without refund.

12.3 Effects of Termination

Upon termination, your access to materials ends. Provisions regarding intellectual property, disclaimers, limitations of liability, and dispute resolution survive termination.

13. Governing Law and Dispute Resolution

13.1 Governing Law

These Terms are governed by the laws of Thailand. Any disputes shall be resolved under Thai jurisdiction.

13.2 Informal Resolution

Before initiating legal proceedings, parties agree to attempt good-faith resolution through direct negotiation. Contact us at [email protected] to begin this process.

13.3 Jurisdiction

If informal resolution fails, disputes shall be subject to the exclusive jurisdiction of courts in Bangkok, Thailand.

14. General Provisions

14.1 Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Wrenford regarding Programs and supersede any prior agreements.

14.2 Severability

If any provision is found unenforceable, remaining provisions continue in effect. The unenforceable provision will be modified to the minimum extent necessary to make it enforceable.

14.3 Waiver

Failure to enforce any provision does not constitute waiver of that provision or our right to enforce it later.

14.4 Assignment

You may not assign or transfer your rights or obligations under these Terms. We may assign our rights and obligations with notice to participants.

14.5 Notices

Official notices will be sent to the email address provided during enrollment. You are responsible for keeping contact information current.

15. Changes to Terms

We may modify these Terms periodically. Changes become effective upon posting on our website. We will notify enrolled participants of material changes via email. Continued participation after changes indicates acceptance of modified Terms.

For programs enrolled before changes, original Terms continue to apply for that program's duration unless mutual agreement is reached.

16. Contact Information

Questions about these Terms should be directed to: