Terms & Conditions

1. Introduction

These Terms and Conditions ("Terms") set out the basis on which Goldwick ("we", "us", "our"), operating from 12 Loi Kroh Road, Chang Khlan, Chiang Mai 50100, Thailand, provides its pension information and education services to you ("you", "the participant").

By enquiring about, booking, or participating in any of our sessions, workbooks, or membership programmes, you agree to be bound by these Terms. Please read them carefully before proceeding.

If you have any questions about these Terms, please contact us at [email protected] before making any booking or purchase.

2. Nature of Our Services

Goldwick provides general educational content, group sessions, and organisational tools relating to pension-related terminology, paperwork, and record-keeping. All content is informational in nature only.

We are not a regulated financial adviser, investment manager, legal adviser, accountant, or any other form of licensed professional. Nothing we present, distribute, publish, or discuss constitutes:

• Individual financial advice or a personalised recommendation of any kind
• Legal advice or guidance on any specific legal situation
• Tax advice, tax planning, or any representation regarding your tax obligations
• An endorsement or criticism of any financial product, provider, or institution
• A prediction or projection of any financial outcome

For personal advice, you should consult a suitably qualified and regulated professional in your jurisdiction.

3. Services Offered

3.1 Plain-Language Overview Session

A group-based session covering general pension terminology and how to read official statements and notices. No individual advice is provided at any point. Participants receive an illustrated glossary for personal reference. Price: ฿3,500 per person per session.

3.2 Records Tidy-Up Workbook

A printable and digital workbook designed to assist individuals in organising their own pension-related paperwork. The workbook provides a checklist and sample folder layout. It is an organisational tool only and does not constitute advice of any kind. Price: ฿10,500 per workbook licence.

3.3 Community Learning Year

An annual membership providing access to community sessions, curated general explainer content, a moderated forum, a resource archive, and event recordings. All content is educational and general in nature. No individual advice is given to members at any time. Price: ฿31,000 per year.

4. Bookings and Payment

4.1 How to Book

Bookings and purchases are made by contacting us directly via the enquiry form on our website, by email, or by phone. A booking is confirmed only once we have sent you a written confirmation and received the applicable fee in full.

4.2 Payment

All fees are stated in Thai Baht (฿) and are payable in advance unless otherwise agreed in writing. We will provide details of accepted payment methods at the time of booking. Prices are subject to change; the price applicable to your booking is the price confirmed in your written confirmation.

4.3 Receipts

We will issue a receipt upon receipt of payment. Please retain this for your records.

5. Cancellations and Refunds

5.1 Cancellation by Participant

If you need to cancel a confirmed booking, please notify us in writing as soon as possible. The following schedule applies:

• More than 14 days before the session/start date: full refund, less any payment processing fees.
• 7 to 14 days before: 50% refund.
• Fewer than 7 days before: no refund, but we will endeavour to offer a transfer to a future date where possible.
• Workbook purchases (digital delivery): once the digital workbook has been accessed or downloaded, no refund is available unless the file is demonstrably defective.

5.2 Cancellation by Goldwick

If we need to cancel or reschedule a session for any reason, we will notify you as promptly as possible. You will be offered either a full refund or a transfer to a rescheduled date, at your preference.

6. Intellectual Property

All session materials, workbooks, handouts, slides, recordings, and written content produced by Goldwick remain our intellectual property. They are provided for your personal, non-commercial use only.

You may not reproduce, redistribute, sell, publish, or share our materials — in whole or in part — without our prior written permission. This includes sharing materials via social media, email lists, or any other digital or physical channel.

Community Learning Year members may access archived materials for personal reference during their active membership period only. Access does not transfer any ownership or redistribution rights.

7. Participant Responsibilities

By participating in our sessions or using our materials, you agree to:

• Treat other participants, facilitators, and moderators with courtesy and respect
• Refrain from sharing personal financial details in group sessions or public forum areas
• Not solicit or offer individual financial advice to other participants
• Not record, screen-capture, or otherwise preserve sessions or forum content without our written permission
• Use any tools, templates, or materials provided solely for your own personal organisational purposes

We reserve the right to remove any participant from a session, forum, or membership if, in our reasonable judgement, their conduct is disruptive, disrespectful, or inconsistent with the educational nature of the service.

8. Limitation of Liability

To the fullest extent permitted by applicable law:

• Goldwick accepts no liability for any financial loss, missed opportunity, or decision made in reliance on any content, session, workbook, or forum discussion we provide
• We do not warrant the completeness, currency, or applicability of any general information we share to your personal circumstances
• Our total liability for any claim arising from or in connection with our services is limited to the amount you paid for the specific service giving rise to the claim

Nothing in these Terms excludes or limits our liability for fraud, death, or personal injury caused by our negligence, or for any other liability that cannot be excluded by law.

9. Governing Law and Disputes

These Terms are governed by the laws of Thailand. Any dispute arising from or in connection with these Terms shall first be referred to good-faith negotiation. If a dispute cannot be resolved by negotiation within 30 days, it shall be subject to the exclusive jurisdiction of the courts of Chiang Mai, Thailand.

If any provision of these Terms is found to be invalid or unenforceable, that provision shall be severed and the remaining Terms shall continue in full force.

10. Changes to These Terms

We may update these Terms periodically to reflect changes in our services or applicable law. Material changes will be notified via our website with an updated effective date. Continued use of our services after the effective date of updated Terms constitutes acceptance of those Terms.

We recommend checking this page from time to time, particularly before making a new booking.

11. Contact Us

If you have any questions about these Terms or our services, please get in touch:

• Organisation: Goldwick
• Address: 12 Loi Kroh Road, Chang Khlan, Chiang Mai 50100, Thailand
• Phone: +66 84 705 3962
• Email: [email protected]