Terms & Conditions

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

• "Agreement" means these Terms and Conditions together with our Privacy Policy and Cookie Policy.
• "Programme" means any financial education session, workshop, or multi-session series offered by Ruam Wealth, including Reading Long-Term Returns, The Conversation with the Bank, and the Year-by-Year Retirement Conversation.
• "We / Us / Our" refers to Ruam Wealth, an education organisation registered in Bangkok, Thailand.
• "Participant" / "You" refers to any person who enrols in, attends, or enquires about a Programme.
• "Materials" means printed reference cards, templates, and any other documents provided to Participants in connection with a Programme.
• "Website" means the site operated at ruamaweaq.biz.

By submitting an enquiry form, enrolling in a Programme, or using our Website, you confirm that you have read, understood, and agree to be bound by these Terms and Conditions.

Our Programmes are intended for adults aged 18 and above. By enrolling, you confirm that you are 18 years of age or older and have the legal capacity to enter into this Agreement.

Ruam Wealth provides financial education programmes in English, held in person at our premises at 75 Lat Phrao Road, Chatuchak, Bangkok 10900, Thailand. Programmes are delivered in small groups and are not currently available online.

Programmes are offered on a cohort basis. Dates and availability are communicated to confirmed Participants by email. We reserve the right to change the schedule, format, or delivery location of a Programme where circumstances require, with reasonable notice to enrolled Participants.

Ruam Wealth is an education organisation. We do not provide financial advice, investment advice, tax advice, or any form of regulated financial services. Nothing communicated in our Programmes constitutes a personal recommendation. Participants are responsible for any financial decisions they make.

A place in a Programme is confirmed only after we have received full payment of the applicable fee. Submission of an enquiry form does not constitute enrolment. We will communicate the payment process by email following your enquiry.

Places are limited. Confirmation is issued on a first-come, first-served basis. We do not hold places without payment.

All fees are denominated in Thai Baht (THB) and are payable by bank transfer to the account details provided upon confirmation. Fees include all printed materials for the Programme and are not subject to additional charges.

Current Programme fees:

• Reading Long-Term Returns: 5,400 THB
• The Conversation with the Bank: 8,200 THB
• Year-by-Year Retirement Conversation: 11,400 THB

Fees are reviewed annually and may change between cohort cycles. The fee applicable to your enrolment is the fee published at the time of your confirmed booking.

If you need to withdraw from a Programme before it begins:

• Withdrawal more than 7 days before the first session: full refund, issued within 10 business days by bank transfer.
• Withdrawal 7 days or fewer before the first session: no refund, but we will offer a transfer to the next available cohort for the same Programme, subject to availability.
• Non-attendance without prior notification: no refund and no transfer to a later cohort.

If Ruam Wealth cancels a Programme for any reason, a full refund will be issued within 10 business days. We are not responsible for any other costs you may have incurred in connection with attendance.

All Programme content, including printed Materials, presentation frameworks, session structures, and website content, is the intellectual property of Ruam Wealth. You are granted a personal, non-commercial licence to use Materials provided to you during a Programme for your own financial learning purposes.

You may not reproduce, distribute, adapt, or transmit Programme content for commercial purposes without our prior written consent. Sharing Materials with family members for personal use is permitted.

Participants are expected to engage with Programme sessions respectfully and constructively. We reserve the right to remove a Participant from a session, without refund, if their conduct is disruptive, offensive, or harmful to other Participants.

You are responsible for any financial decisions you make as a result of, or in connection with, attending a Programme. Ruam Wealth provides education, not advice.

Programmes are provided for educational purposes only. The information presented in sessions reflects publicly available historical data and general educational frameworks. It does not constitute financial advice, investment recommendation, or tax guidance specific to your personal situation.

Past market performance as discussed in our Programmes does not indicate future results. Ruam Wealth makes no representation about the outcomes of any financial decisions made by Participants following a Programme.

To the fullest extent permitted by Thai law, Ruam Wealth's total liability to you in connection with any Programme shall not exceed the fee paid by you for that Programme. We exclude liability for indirect, consequential, or incidental losses arising from your participation or reliance on Programme content.

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

These Terms are governed by the laws of the Kingdom of Thailand. Any dispute arising from or in connection with these Terms or a Programme shall be subject to the jurisdiction of the courts of Bangkok, Thailand.

Before initiating formal proceedings, we encourage you to contact us at [email protected] to attempt an informal resolution. We aim to respond to complaints within 10 business days.