Terms & Conditions

1. Definitions

In these Terms and Conditions:

• "Service" refers to the educational programs, courses, and related materials provided by Meridian Path.
• "User" or "You" refers to any individual accessing or using our services.
• "We", "Us", or "Our" refers to Meridian Path.
• "Content" refers to all educational materials, course content, documentation, and resources provided through our services.
• "Agreement" refers to these Terms and Conditions and any additional agreements you enter into with us.

2. Acceptance of Terms

By accessing or using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you may not access or use our services.

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

3. Service Description

Meridian Path provides financial education programs designed to help individuals develop practical knowledge in personal finance, investment literacy, and long-term planning. Our services include structured courses, educational materials, and related support resources.

We reserve the right to modify, suspend, or discontinue any part of our services at any time without prior notice. While we strive to maintain service availability, we do not guarantee uninterrupted access to our programs.

Our services are primarily offered in Bangkok, Thailand, and are governed by Thai law and jurisdiction.

4. User Accounts and Registration

To access certain features of our services, you may need to create an account. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

You agree to provide accurate, current, and complete information during registration and to update such information to maintain its accuracy. We reserve the right to suspend or terminate accounts that contain false or misleading information.

You must immediately notify us of any unauthorized use of your account or any other breach of security. We are not liable for any loss or damage arising from your failure to comply with these security obligations.

5. User Responsibilities

When using our services, you agree to:

• Use the services only for lawful purposes and in accordance with these Terms
• Not reproduce, distribute, or share course materials without our express written permission
• Not attempt to gain unauthorized access to any part of our services or systems
• Not interfere with or disrupt the integrity or performance of our services
• Not use our services to transmit any harmful code, viruses, or malicious software
• Respect the intellectual property rights of Meridian Path and other users
• Maintain professional and respectful conduct in all interactions

6. Intellectual Property

All content, materials, and intellectual property associated with our services, including but not limited to course materials, videos, documents, logos, and trademarks, are owned by or licensed to Meridian Path and are protected by copyright, trademark, and other intellectual property laws.

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

• Reproduce, distribute, or publicly display our content
• Modify, adapt, or create derivative works from our content
• Use our content for commercial purposes
• Remove or alter any copyright, trademark, or other proprietary notices

7. Payment Terms

Enrollment in our programs requires payment of applicable fees. All fees are stated in Thai Baht (THB) unless otherwise specified. Payment must be received in full before you can access program materials.

We accept various payment methods as indicated on our website. All transactions are processed securely through our payment partners.

Refund Policy: Refund requests must be submitted within 14 days of enrollment. Refunds are granted at our discretion and are subject to a processing fee. Once you have accessed more than 25% of the course content, no refunds will be issued.

8. Course Enrollment and Completion

Upon successful enrollment, you will receive access to course materials for the duration specified in your program. Access periods vary by program and are clearly indicated at the time of enrollment.

Course completion is based on fulfilling all requirements as outlined in the program syllabus. Certificates of completion are issued upon successful completion of all course requirements.

Extension of access beyond the initial period may be granted at our discretion and may be subject to additional fees.

9. Educational Disclaimers

Our educational programs are designed to provide general financial literacy and investment knowledge. However:

• We do not provide personalized financial advice or investment recommendations
• Course content should not be construed as professional financial advice
• Investment decisions should be made in consultation with qualified financial advisors
• Past performance examples used in our courses do not guarantee future results
• We are not responsible for any financial decisions you make based on our educational content

We strongly recommend consulting with licensed financial professionals before making significant financial or investment decisions.

10. Limitation of Liability

To the fullest extent permitted by Thai law, Meridian Path and its officers, directors, employees, and agents shall not be liable for:

• Any indirect, incidental, special, consequential, or punitive damages
• Any loss of profits, revenue, data, or business opportunities
• Any damages arising from your use or inability to use our services
• Any damages resulting from reliance on information provided in our courses

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 program giving rise to the claim.

11. Indemnification

You agree to indemnify, defend, and hold harmless Meridian Path and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable legal fees) arising from:

• Your violation of these Terms and Conditions
• Your use or misuse of our services
• Your violation of any third-party rights
• Any financial decisions you make based on our educational content

12. Termination

We reserve the right to suspend or terminate your access to our services at any time, with or without cause, and with or without notice, for any violation of these Terms or for any other reason we deem appropriate.

Upon termination, your right to access and use our services will immediately cease. Sections of these Terms that by their nature should survive termination will continue to apply.

You may terminate your account at any time by contacting us at [email protected]. Termination does not relieve you of any obligations incurred prior to termination.

13. Dispute Resolution

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.

Jurisdiction: Any disputes arising from these Terms or your use of our services shall be subject to the exclusive jurisdiction of the courts of Bangkok, Thailand.

Informal Resolution: Before initiating formal proceedings, we encourage you to contact us at [email protected] to seek an informal resolution of any disputes.

14. General Provisions

Entire Agreement: These Terms constitute the entire agreement between you and Meridian Path regarding your use of our services.

Severability: If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

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

Assignment: You may not assign or transfer these Terms or your rights under them without our prior written consent. We may assign these Terms without restriction.

Notice: We may provide notices to you via email or by posting notices on our website. You consent to receive communications from us electronically.

15. Changes to Terms

We reserve the right to modify these Terms at any time. When we make changes, we will update the "Last Updated" date at the top of this page and notify you through our website or via email.

Your continued use of our services after changes are posted constitutes your acceptance of the revised Terms. If you do not agree to the modified Terms, you must discontinue using our services.

It is your responsibility to review these Terms periodically to stay informed of any updates.

16. Contact Information

For questions, concerns, or inquiries regarding these Terms and Conditions, please contact us: