Terms & Conditions

1. Definitions

The following terms are used throughout this document:

• "Vestglade", "we", "us", "our" — Vestglade, a provider of retirement information and educational services, registered and operating from 64 Ratchadaphisek Road, Din Daeng, Bangkok 10400, Thailand.
• "Service" — any of the educational products or sessions offered by Vestglade, including the Pension System Orientation Guide, Records Review & Folder Setup, and Community Information Workshop Series.
• "User", "you", "your" — any person who visits this website, submits an enquiry, or purchases a service.
• "Website" — the pages and content accessible at vestglade.biz.
• "Content" — all text, materials, guides, handouts, templates, and other information created or supplied by Vestglade as part of a service delivery.
• "Agreement" — these Terms & Conditions, together with any written service confirmation or invoice issued by Vestglade.

2. Acceptance of Terms

By using this website or contacting Vestglade to enquire about or purchase a service, you agree to be bound by this Agreement. If you do not agree, please do not use the website or place an order.

• You must be at least 18 years of age, or the age of majority in your jurisdiction, to enter into this Agreement.
• By submitting an enquiry form or making a payment, you confirm you have the legal capacity to form a binding agreement.
• If you are acting on behalf of an organisation, you represent that you are authorised to bind that organisation to these terms.

3. Service Description

Vestglade provides educational and information services relating to pension systems and retirement readiness. Our three current services are:

• Pension System Orientation Guide (฿3,800): A written, plain-language guide delivered in printed and digital formats, explaining how pension and retirement frameworks are commonly organised and where official information sources can be found. It is educational in nature only.
• Records Review & Folder Setup (฿8,900): A hands-on session to help clients organise their personal retirement-related documents into a clear, indexed folder system with a personal checklist. Vestglade does not take ownership or custody of any documents.
• Community Information Workshop Series (฿30,000): A series of group information sessions for organisations. Vestglade provides session planning, plain materials, and a facilitator outline. All sessions are purely educational; no financial advice is given.

Services are delivered in Bangkok, Thailand, unless otherwise agreed in writing. Availability may be subject to scheduling and capacity.

4. User Responsibilities

When using this website or engaging Vestglade's services, you agree to:

• Provide accurate and complete information when submitting enquiries or booking sessions.
• Use this website and any delivered content for personal, non-commercial, and lawful purposes only.
• Refrain from reproducing, selling, or distributing Vestglade content to third parties without written permission.
• Attend booked sessions at the agreed time and place, or provide reasonable advance notice if you need to reschedule.
• Not use Vestglade's services as a substitute for independent financial, legal, or professional advice.

Prohibited activities include: misrepresenting your identity, using automated tools to scrape this website, attempting to damage or interfere with site functionality, or using Vestglade content in a way that misleads others about its educational and non-advisory nature.

5. Intellectual Property

All content on this website and within delivered service materials — including text, graphics, guides, templates, and facilitator outlines — is owned by or licensed to Vestglade and is protected under applicable Thai and international copyright law.

• You are granted a limited, non-exclusive, non-transferable licence to use content solely for the personal purposes for which it was delivered.
• You may not copy, reproduce, publish, share, sell, or modify Vestglade content without prior written consent.
• Workshop participants may share general information from sessions, but may not reproduce or redistribute Vestglade-branded materials.

6. Payment Terms

• Prices are listed in Thai Baht (฿) and are inclusive of any applicable taxes unless otherwise stated.
• Payment details and accepted methods will be confirmed at the time of booking.
• Full payment is typically required before service delivery commences unless a different arrangement is agreed in writing.
• Cancellations and refunds: If you need to cancel a confirmed booking, please contact us as soon as possible. Refund eligibility depends on how much notice is given and the nature of the service. Guide purchases are non-refundable once digital delivery has occurred. For session-based services, we will do our best to find a fair resolution on a case-by-case basis.
• Vestglade does not store payment card details. Any card processing is handled by a third-party payment provider.

7. Service-Specific Terms

Pension System Orientation Guide: Delivery timelines will be confirmed at the time of purchase. Digital files are sent by email; printed copies are sent to the address you provide. Vestglade is not responsible for postal delays.

Records Review & Folder Setup: Sessions take place at a mutually agreed location in Bangkok. You retain full ownership of all documents at all times. Vestglade staff will not handle original documents without your explicit consent and will not retain copies.

Community Information Workshop Series: Session dates, locations, and formats are agreed in writing before commencement. Vestglade will supply facilitator materials and handouts as described. The organising party is responsible for providing a suitable venue and ensuring participant attendance.

8. Disclaimers

Vestglade provides educational and informational content only. Nothing on this website or within any delivered service constitutes financial, investment, legal, or professional advice of any kind.

• All content is provided in good faith for general information purposes. It may not reflect the most current changes in pension laws or regulations.
• We recommend that you consult a qualified professional for advice specific to your personal circumstances.
• This website and its contents are provided "as is", without any representation as to accuracy, completeness, or fitness for a particular purpose.
• Links to third-party websites and official sources are provided for convenience; Vestglade does not endorse or take responsibility for external content.

9. Limitation of Liability

To the fullest extent permitted by Thai law:

• Vestglade's total liability for any claim arising from these terms or a service shall not exceed the amount you paid for that specific service.
• Vestglade shall not be liable for indirect, incidental, or consequential losses, including financial decisions made on the basis of information provided.
• We are not liable for service interruptions caused by circumstances outside our reasonable control, including technical failures, natural events, or public emergencies.

10. Indemnification

You agree to hold Vestglade harmless from any claims, losses, or expenses arising from your misuse of our website or services, your breach of these terms, or any inaccurate information you provide to us during booking or service delivery.

11. Termination

Either party may end a service arrangement by providing reasonable written notice, subject to the payment terms above. Vestglade reserves the right to decline or discontinue a service if, in our reasonable assessment, delivery is no longer practicable or appropriate.

Sections covering intellectual property, disclaimers, limitation of liability, and dispute resolution will continue to apply after any termination.

12. Dispute Resolution

These terms are governed by the laws of the Kingdom of Thailand. Any disputes will be subject to the exclusive jurisdiction of the Thai courts.

Before commencing any formal proceedings, both parties agree to make a genuine effort to resolve any disagreement informally. Please contact us first at [email protected] — we will aim to respond within five business days.

13. General Provisions

• Entire agreement: This Agreement, together with any written service confirmation, constitutes the full understanding between you and Vestglade for the services described.
• Severability: If any part of these terms is found to be unenforceable, the remaining provisions continue in full effect.
• Waiver: Vestglade not exercising a right under these terms does not constitute a waiver of that right.
• Assignment: You may not transfer your rights or obligations under this Agreement without our prior written consent.
• Notices: Formal notices should be sent by email to [email protected] or by post to the address below.

14. Changes to Terms

Vestglade may update these terms from time to time. When we do, the "Last Updated" date at the top of this page will change. We encourage you to review this page periodically. Continuing to use our website or services after an update constitutes acceptance of the revised terms.

15. Contact Information

For questions or concerns about these terms, please reach us at:

• Email: [email protected]
• Post: Vestglade, 64 Ratchadaphisek Road, Din Daeng, Bangkok 10400, Thailand
• Phone: +66 2 248 7935