Terms and Conditions

1. About Retirevia

Retirevia is an educational organization that produces and distributes reading materials about retirement income systems and the practical aspects of transitioning from full-time work. Our programs are informational in nature and are not a form of financial advice, investment guidance, or any other regulated professional service.

All program content is prepared for general educational purposes and reflects publicly available information about retirement systems as they are commonly understood. Nothing in any Retirevia program should be interpreted as a recommendation, personal assessment, or professional opinion regarding any individual's financial or personal circumstances.

2. Website Use

This website is provided for informational purposes and to enable individuals and organizations to learn about and purchase Retirevia's reading programs. You may use this website for lawful purposes only. You agree not to:

• Use this website in any manner that could interfere with its normal operation or with other users' access to it.

• Attempt to access any part of this website's systems or data that you are not authorized to access.

• Submit false or misleading information through the contact form or in any other communication with us.

• Use any automated means to scrape, copy, or index content from this website without our written permission.

We reserve the right to restrict access to this website at any time, for any reason, without prior notice.

3. Reading Programs — General Terms

The following terms apply to all Retirevia reading programs unless stated otherwise in the specific program description:

4. Individual Programs

4.1 Pension Literacy Self-Study Pack — ฿4,200

The Pension Literacy Self-Study Pack is delivered in printed and digital format following confirmation of purchase. It comprises eight reading modules with reflection questions covering the general structure of retirement income systems in Thailand, including defined-benefit and defined-contribution schemes, the role of state-administered pension funds, and supplementary private savings schemes. Delivery times may vary; printed materials are sent by post to the address provided at the time of purchase.

4.2 Retirement Transition Reading Series — ฿6,800

The Retirement Transition Reading Series is delivered in four installments at weekly intervals following confirmation of purchase and registration of a delivery address. Each installment is a reading document focused on one aspect of the transition from full-time work to retirement. Digital copies accompany each printed installment. The series begins within five business days of purchase confirmation.

4.3 Corporate Pre-Retirement Information Program — ฿29,500 per cohort

The Corporate Pre-Retirement Information Program is a B2B engagement delivered to organizations. Pricing covers one cohort of up to thirty employees. The program includes printed reading materials for each participant, an information session for HR coordinators, and a closing question-and-answer session. Scheduling, format, and logistics are agreed between Retirevia and the purchasing organization prior to commencement.

Organizations purchasing this program are responsible for ensuring that participant information shared with Retirevia for scheduling purposes is handled in accordance with applicable data protection law and the organization's own internal policies.

5. Pricing and Payment

All prices are stated in Thai Baht (฿) and include VAT where applicable. Prices are subject to change. The price displayed at the time of your inquiry confirmation is the price that applies to your purchase.

Payment terms will be provided following an initial inquiry and are confirmed by Retirevia in writing before materials are dispatched or a program is scheduled. We accept payment by bank transfer and other methods as communicated at the time of purchase.

A purchase is confirmed once payment has been received and acknowledged by Retirevia in writing.

6. Cancellations and Returns

Because our programs involve the preparation and dispatch of physical reading materials, and because program scheduling involves advance coordination, the following policy applies:

7. Intellectual Property

All content on this website — including text, layout, design, and imagery — and all reading materials produced by Retirevia are the intellectual property of Retirevia or its licensors. These materials are protected under applicable Thai and international intellectual property law.

You may view and print website content for your own personal, non-commercial reference. You may not reproduce, republish, transmit, distribute, or create derivative works from any Retirevia content without prior written permission.

The Retirevia name and any associated logos or marks are the property of Retirevia. You may not use them without written permission.

8. Limitation of Liability

To the extent permitted by applicable Thai law, Retirevia's total liability to you in connection with these terms, the website, or any program shall not exceed the amount you paid for the relevant program.

Retirevia is not responsible for any indirect or consequential loss arising from your use of this website or participation in a program, including any decisions made on the basis of program content. Program materials are informational only and do not constitute professional advice of any kind.

Nothing in these terms limits liability for matters that cannot be excluded under Thai law.

9. Third-Party Links

This website may contain links to external websites for reference purposes. Retirevia does not control or endorse the content of external websites and is not responsible for their content, accuracy, or practices. Following a link to an external website is at your own discretion.

10. Privacy and Cookies

Your use of this website is also subject to our Privacy Policy and Cookie Policy, which are incorporated into these Terms and Conditions by reference. Please review those documents to understand how we handle personal information and how cookies are used on this website.

11. Changes to These Terms

We may update these Terms and Conditions from time to time. Material changes will be reflected by an updated "Last updated" date at the top of this page. Continued use of this website after a change is published constitutes acceptance of the revised terms.

For programs in progress at the time of a revision, the terms in effect at the time of your purchase will continue to apply unless you agree otherwise.

12. Governing Law

These Terms and Conditions are governed by the laws of Thailand. Any dispute arising in connection with these terms or Retirevia's programs will be subject to the jurisdiction of the Thai courts, without prejudice to any mandatory consumer protection rights you may hold under applicable law.

13. Contact

If you have questions about these terms, please contact us: