Terms and Conditions

1. Definitions

In these Terms and Conditions:

• "Service" refers to the educational programs, website, and related offerings provided by Quorum Fin.
• "User," "You," or "Your" refers to any individual accessing or using our Service.
• "We," "Us," or "Our" refers to Quorum Fin.
• "Content" refers to all materials, information, data, text, images, and other content provided through our Service.
• "Agreement" refers to these Terms and Conditions, together with our Privacy Policy and Cookie Policy.

2. Acceptance of Terms

By accessing or using our Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree to these terms, you must not use our Service.

You must be at least 18 years old to use our Service. By using our Service, you represent and warrant that you are at least 18 years of age and have the legal capacity to enter into this Agreement.

3. Description of Service

Quorum Fin provides financial education programs designed to help individuals build understanding of financial concepts, debt management, market literacy, and life transition planning. Our programs include:

• Structured learning sessions (live and self-paced)
• Educational materials and resources
• Tools, worksheets, and calculators
• Group discussions and individual consultations (where applicable)

Programs are delivered primarily in English and conducted online or at our Bangkok location. Program availability, content, and delivery methods may change from time to time at our discretion.

4. User Accounts and Enrollment

4.1 Enrollment Process

To enroll in a program, you must provide accurate and complete information, including your name, contact details, and payment information where required. You agree to update this information promptly if it changes.

4.2 Account Security

If you create an account to access program materials, you are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized access or security breach.

4.3 Account Termination

We reserve the right to suspend or terminate your access to our Service if you violate these Terms and Conditions or engage in conduct that we determine to be harmful to other users or our operations.

5. User Responsibilities

5.1 Acceptable Use

You agree to use our Service only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Service in any way that violates applicable laws or regulations
• Engage in conduct that restricts or inhibits anyone's use of the Service
• Attempt to gain unauthorized access to any portion of the Service
• Interfere with or disrupt the Service or servers connected to the Service
• Use automated systems to access the Service without our permission
• Impersonate or attempt to impersonate us, our employees, or other users

5.2 Program Participation

When participating in our programs, you agree to:

• Attend scheduled sessions or complete materials as outlined in the program structure
• Participate respectfully in group discussions and interactions
• Respect the confidentiality of other participants' shared information
• Use program materials solely for personal educational purposes

5.3 Prohibited Content

You may not post, share, or transmit through our Service any content that is unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, or otherwise objectionable.

6. Intellectual Property

6.1 Our Intellectual Property

All Content included in the Service, including text, graphics, logos, images, audio clips, data compilations, and software, is the property of Quorum Fin or its content suppliers and is protected by Thai and international copyright, trademark, and other intellectual property laws.

6.2 License to Use

We grant you a limited, non-exclusive, non-transferable license to access and use the Service and program materials solely for your personal, non-commercial educational purposes. This license does not include the right to:

• Reproduce, distribute, or publicly display program materials
• Modify, create derivative works, or reverse engineer any Content
• Use Content for commercial purposes or public distribution
• Remove any copyright, trademark, or other proprietary notices

6.3 Feedback and Submissions

If you provide us with feedback, suggestions, or other submissions, you grant us a non-exclusive, worldwide, royalty-free license to use, reproduce, and incorporate such submissions into our Service without compensation to you.

7. Payment Terms

7.1 Program Fees

Program fees are stated in Thai Baht (฿) and must be paid prior to program commencement. Fees are subject to change, but changes will not affect enrollments already confirmed.

7.2 Payment Methods

We accept payment via bank transfer and other methods as specified during enrollment. All payment information must be accurate and complete.

7.3 Refund Policy

If you need to withdraw from a program after enrollment:

• Withdrawal more than 14 days before program start: Full refund minus 10% administrative fee
• Withdrawal 7-14 days before program start: 50% refund
• Withdrawal less than 7 days before program start or after commencement: No refund

Refund requests must be submitted in writing to [email protected]. Refunds will be processed within 30 days of approval.

8. Educational Nature of Service

8.1 Not Financial Advice

Our programs provide education about financial concepts but do not constitute financial advice, investment recommendations, or professional consultation. We do not recommend specific financial products or services.

8.2 Professional Consultation

For personalized financial advice tailored to your specific circumstances, you should consult with a qualified financial advisor, accountant, or legal professional. Our educational content should not replace professional consultation when making important financial decisions.

9. Disclaimers

9.1 Service Provided "As Is"

The Service is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We do not guarantee that the Service will be uninterrupted, timely, secure, or error-free.

9.2 No Guarantee of Results

While we strive to provide high-quality educational content, we cannot guarantee specific outcomes or results from program participation. Financial outcomes depend on numerous factors beyond our control, including individual circumstances and actions taken.

9.3 Content Accuracy

We make reasonable efforts to ensure Content accuracy, but financial information and regulations change. We do not warrant that all Content is current, complete, or free from errors or omissions.

10. Limitation of Liability

To the maximum extent permitted by Thai law, Quorum Fin, its directors, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of the Service, including but not limited to:

• Financial losses or missed opportunities
• Loss of data or information
• Business interruption
• Personal injury or property damage

Our total liability for any claims arising from or related to the Service shall not exceed the amount you paid to us for the specific program in question.

11. Indemnification

You agree to indemnify, defend, and hold harmless Quorum Fin, its officers, directors, employees, and agents from any claims, losses, damages, liabilities, and expenses (including reasonable attorneys' fees) arising from:

• Your use or misuse of the Service
• Your violation of these Terms and Conditions
• Your violation of any rights of another person or entity
• Any content you submit or share through the Service

12. Termination

12.1 Termination by You

You may terminate your participation in a program or stop using the Service at any time, subject to the refund policy outlined above.

12.2 Termination by Us

We reserve the right to suspend or terminate your access to the Service immediately, without prior notice, if you breach these Terms and Conditions or engage in conduct that we reasonably believe is harmful to our operations or other users.

12.3 Effect of Termination

Upon termination, your right to use the Service ceases immediately. All provisions of these Terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, and limitations of liability.

13. Governing Law and Dispute Resolution

13.1 Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of Thailand, without regard to conflict of law principles.

13.2 Jurisdiction

Any disputes arising from or relating to these Terms or the Service shall be subject to the exclusive jurisdiction of the courts of Bangkok, Thailand.

13.3 Informal Resolution

Before initiating formal dispute resolution, we encourage you to contact us at [email protected] to attempt to resolve the matter informally.

14. General Provisions

14.1 Entire Agreement

These Terms and Conditions, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Quorum Fin regarding the Service and supersede all prior agreements and understandings.

14.2 Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

14.3 Waiver

Our failure to enforce any right or provision of these Terms will not constitute a waiver of such right or provision.

14.4 Assignment

You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign these Terms without restriction.

14.5 Notices

Notices to you may be made via email or posted on our website. Notices to us should be sent to [email protected].

15. Changes to Terms

We reserve the right to modify these Terms and Conditions at any time. When we make changes, we will:

• Update the "Last Updated" date at the top of this document
• Notify enrolled participants via email if changes materially affect their rights or obligations
• Post the updated Terms on our website

Your continued use of the Service after changes become effective constitutes acceptance of the modified Terms.

16. Contact Information

For questions about these Terms and Conditions, please contact us: