Terms & Conditions

1. Agreement to Terms

These Terms and Conditions constitute a legally binding agreement between you and Ledger Elm regarding your use of our website and enrollment in our educational programs. By accessing our website or enrolling in our courses, you agree to be bound by these Terms.

If you do not agree with any part of these Terms, you must not use our website or services.

We reserve the right to modify these Terms at any time. We will notify you of any changes by posting the updated Terms on this page with a new effective date.

2. Definitions

For purposes of these Terms:

• "We," "Us," "Our" refers to Ledger Elm, a financial education provider registered in Thailand
• "You," "Your" refers to the individual accessing our website or enrolling in our services
• "Services" refers to our educational programs, courses, and website content
• "Content" refers to all materials, information, and resources provided through our services
• "Website" refers to our online presence accessible at ledgres.info

3. Eligibility and Account

3.1 Age Requirement

Our services are intended for adults aged 18 years or older. By using our services, you represent and warrant that you are at least 18 years of age and have the legal capacity to enter into this agreement.

3.2 Accurate Information

You agree to provide accurate, current, and complete information during the enrollment process and to update such information as necessary to maintain its accuracy.

4. Description of Services

Ledger Elm provides financial education services through various programs and courses designed for adults. Our services include:

• Financial Orientation Sessions
• Practical Budgeting and Savings Courses
• Wealth Stewardship Programs
• Individual consultation sessions
• Educational materials and resources

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without prior notice.

Course availability may vary based on enrollment numbers and instructor availability. We will make reasonable efforts to notify enrolled participants of any schedule changes.

5. Enrollment and Payment

5.1 Course Enrollment

Enrollment in courses is subject to availability. We reserve the right to limit enrollment numbers to maintain educational quality. Course fees must be paid in full before the start date unless alternative payment arrangements have been made in writing.

5.2 Payment Terms

All prices are listed in Thai Baht (฿) and are subject to change. Payment can be made through our accepted payment methods. Once payment is processed, you will receive a confirmation email with course details and schedule.

5.3 Refund Policy

If you cancel your enrollment more than 7 days before the course start date, you will receive a full refund minus a 10% administrative fee. Cancellations made within 7 days of the course start date are non-refundable, though you may transfer your enrollment to a future session subject to availability.

If we cancel a course due to insufficient enrollment or unforeseen circumstances, you will receive a full refund or the option to enroll in an alternative session.

6. Educational Disclaimers

6.1 Not Financial Advice

The content provided in our courses and materials is for educational purposes only and should not be construed as financial, investment, tax, or legal advice. We are educators, not licensed financial advisors.

6.2 No Guarantees of Results

While we strive to provide high-quality education, we make no guarantees or warranties regarding specific financial outcomes. Your individual results will depend on your personal circumstances, decisions, and implementation of learned concepts.

6.3 Consult Professionals

Before making significant financial decisions, you should consult with licensed financial advisors, tax professionals, or legal counsel appropriate to your circumstances.

7. User Responsibilities

7.1 Course Participation

You agree to:

• Attend sessions punctually and participate respectfully
• Complete any assigned exercises or preparations
• Maintain confidentiality regarding other participants' information
• Use course materials only for personal educational purposes
• Respect intellectual property rights in all course materials

7.2 Prohibited Conduct

You agree not to:

• Record sessions without explicit written permission
• Share or distribute course materials to third parties
• Disrupt sessions or harass instructors or other participants
• Use our services for any unlawful purpose
• Attempt to gain unauthorized access to our systems

8. Intellectual Property Rights

8.1 Our Content

All content provided through our services, including but not limited to course materials, workbooks, presentations, videos, and website content, is owned by Ledger Elm or our licensors and is protected by copyright, trademark, and other intellectual property laws.

8.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use course materials solely for your personal educational purposes. You may not reproduce, distribute, modify, or create derivative works from our materials without written permission.

9. Confidentiality

We maintain strict confidentiality regarding:

• Your personal information and enrollment records
• Financial information discussed in individual consultation sessions
• Any private communications between you and instructors

You likewise agree to maintain confidentiality regarding any personal information of other participants that you may become aware of during group sessions.

10. Limitation of Liability

To the maximum extent permitted by Thai law:

Ledger Elm shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or other intangible losses, resulting from your use of or inability to use our services.

Our total liability to you for any claims arising from your use of our services shall not exceed the amount you paid for the specific service giving rise to the claim.

This limitation of liability applies regardless of whether the claim is based on contract, tort, strict liability, or any other legal theory.

11. Indemnification

You agree to indemnify, defend, and hold harmless Ledger Elm, its instructors, employees, and affiliates from and against any claims, liabilities, damages, losses, and expenses arising out of or related to your violation of these Terms or your use of our services.

12. Termination

12.1 By You

You may terminate your enrollment in accordance with our refund policy stated in Section 5.3.

12.2 By Us

We reserve the right to terminate your access to our services immediately, without prior notice, if you violate these Terms or engage in conduct that we deem harmful to other participants, instructors, or our business.

12.3 Effect of Termination

Upon termination, your right to access course materials and participate in sessions immediately ceases. Provisions that by their nature should survive termination shall survive, including intellectual property rights, disclaimers, and limitations of liability.

13. Dispute Resolution

13.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of Thailand, without regard to its conflict of law provisions.

13.2 Jurisdiction

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

13.3 Informal Resolution

Before initiating formal legal proceedings, we encourage you to contact us at [email protected] to seek an informal resolution of any dispute.

14. General Provisions

14.1 Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Ledger Elm regarding our services.

14.2 Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

14.3 Waiver

Our failure to enforce any right or provision of these Terms shall 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.

15. Contact Information

For questions about these Terms or our services, please contact us: