Legal

Terms & Conditions

Last updated: April 5, 2026  ·  Effective: April 5, 2026

Please read these Terms and Conditions carefully before enrolling in any Lanna Journey course or using our website. By submitting an enquiry, enrolling in a course, or using our services, you agree to be bound by these terms. If you do not agree, please do not proceed with enrolment.

1. Definitions

• "Lanna Journey" / "we" / "us" — the financial education provider operating from 72 Chang Khlan Road, Chang Khlan, Mueang Chiang Mai, Chiang Mai 50100, Thailand.
• "Participant" / "you" — any individual who enrols in or attends a Lanna Journey course, or who uses our website.
• "Course" — any of the educational programmes offered by Lanna Journey, as described on our website.
• "Service" — the courses, materials, and associated support offered by Lanna Journey.
• "Agreement" — these Terms & Conditions together with any enrolment confirmation we send to you.

2. Acceptance of Terms

By submitting an enrolment, paying a course fee, or using our website, you confirm that you are at least 18 years of age, that you have the legal capacity to enter into this agreement, and that you agree to be bound by these terms. If you are enrolling on behalf of another person, you confirm that you have authority to do so.

3. Course Description and Availability

Lanna Journey currently offers three courses: Household Finances After Forty (5 weeks, ฿6,500), Thoughtful Investing for Mid-Career Professionals (9 weeks, ฿15,200), and the Family Wealth Transfer Masterclass (13 weeks, ฿34,500). Course content, fees, and format are described on our website and may be updated before each new cohort. The course you enrol in is the version described at the time of your enrolment confirmation.

Courses are conducted in English. Written materials are provided in Thai and English. All sessions are held online unless otherwise specified in your enrolment confirmation. The Family Wealth Transfer Masterclass includes quarterly in-person sessions in Chiang Mai.

We reserve the right to cancel a cohort if minimum enrolment numbers are not met, in which case we will offer you a place in the next available cohort or a full refund of any fee paid.

4. Payment Terms

Course fees are stated in Thai Baht (THB) and are payable in full at the time of enrolment unless a payment plan has been agreed in writing. Payment plans, where available, divide the fee into two equal instalments. The first instalment is due at enrolment; the second is due four weeks before the course begins.

Accepted payment methods are confirmed at the time of enrolment. We do not store card details.

5. Cancellation and Refund Policy

• Participants who withdraw before the second session of any course are entitled to a full refund of the course fee, less any payment processing charges incurred.
• Participants who withdraw after the second session are entitled to defer to the next available cohort of the same course at no additional cost. Deferrals may be used once per enrolment.
• Refunds are not available after the second session for reasons other than a course cancellation by Lanna Journey.
• To request a withdrawal or deferral, please email [email protected] with your name and enrolment details.

6. Participant Responsibilities

As a participant, you agree to:

• Treat fellow participants, instructors, and guest specialists with courtesy and respect.
• Maintain the confidentiality of information shared by other participants in group sessions.
• Not record any session without the written consent of all participants and Lanna Journey.
• Use course materials only for your own personal learning and not share them commercially.
• Provide accurate information at the time of enrolment.

7. Intellectual Property

All course materials — including workbooks, reference sheets, session notes, and reading lists — are the intellectual property of Lanna Journey. Participants are granted a personal, non-exclusive licence to use these materials for their own learning. You may not reproduce, sell, or distribute any course materials without our prior written permission.

8. Disclaimers

Lanna Journey provides educational content only. Nothing in our courses, materials, or communications constitutes financial, legal, tax, or investment advice. Participants are encouraged to consult qualified professional advisors before making financial decisions based on course content.

While we take care to keep course content current, we make no representation that all information is complete or accurate at the time of any particular session.

9. Limitation of Liability

To the fullest extent permitted by Thai law, Lanna Journey's total liability to any participant for any claim arising from or related to our courses or services shall not exceed the course fee paid by that participant. We are not liable for indirect, consequential, or incidental losses arising from participation in our courses or use of our materials.

10. Termination

We reserve the right to remove a participant from a course without refund if they repeatedly breach these terms, behave in a manner that disrupts the learning environment for others, or act in bad faith toward instructors or fellow participants. In such cases, the deferral option described in section 5 will not be available.

11. Governing Law and Jurisdiction

These Terms and Conditions are governed by the laws of the Kingdom of Thailand. Any dispute that cannot be resolved informally shall be referred to the competent courts of Chiang Mai Province, Thailand. Where a participant is resident in the European Union, statutory consumer rights under applicable EU law are not affected.

12. Changes to These Terms

We may update these terms from time to time. Changes take effect from the date of the updated version published on our website. Participants enrolled in an active cohort are governed by the terms in effect at the time of their enrolment.

13. Contact