Terms & Conditions

1. Definitions

In these Terms and Conditions, the following terms have the meanings set out below:

• "We", "our", "us" — Mali Capital Co., Ltd., a company incorporated in Thailand.
• "User", "you" — any individual who accesses our website or enquires about our programmes.
• "Participant" — a User who has enrolled in and paid for a programme.
• "Programme" — any of our financial education courses (The First Bloom, Tending with Care, The Full Garland Programme).
• "Content" — all materials, guides, worksheets, recordings, and related resources provided as part of a Programme.
• "Website" — malicapi.club and all associated pages.
• "Agreement" — these Terms and Conditions, together with our Privacy Policy and Cookie Policy.

2. Acceptance of Terms

By using this Website or enrolling in a Programme, you agree to be bound by these Terms. If you do not agree, you must not use the Website or enrol in any Programme.

You must be at least 18 years of age to use our Website and enrol in our Programmes. By accepting these Terms, you confirm that you have the legal capacity to enter into a binding agreement.

3. Description of Services

Mali Capital provides financial education programmes for adults, delivered in person at our Bangkok office and via online video sessions. Our programmes are educational in nature and do not constitute financial advice, investment recommendations, or regulated financial services.

We encourage all Participants — particularly those enrolled in The Full Garland Programme — to consult a licensed financial advisor for decisions relating to their personal finances.

Programme availability is subject to scheduling and minimum group sizes. We reserve the right to reschedule or cancel a programme and will provide reasonable advance notice when doing so.

4. Enrolment and Programme Participation

Enrolment is confirmed upon receipt of the applicable programme fee in full. Places are allocated on a first-come, first-served basis and are not held without payment.

Where a programme includes recorded sessions, Participants have access to recordings for the duration of the programme and for 90 days after its conclusion.

Participants are expected to engage respectfully with educators and other group members. Disruptive conduct may result in removal from a programme without refund.

Mali Capital does not issue formal educational certificates. Participants receive materials, worksheets, and planning resources as described for each programme.

5. User Responsibilities

When using our Website or attending our Programmes, you agree to:

• Provide accurate and truthful information when submitting enquiry forms or enrolment details.
• Treat all other participants and educators with respect and courtesy.
• Not record, reproduce, or distribute any Programme Content without our written consent.
• Not use any information from our Programmes as a substitute for personalised financial advice.

6. Intellectual Property

All Programme Content, including session materials, worksheets, guides, recorded sessions, and planning resources, is the intellectual property of Mali Capital Co., Ltd. and is protected under applicable Thai and international copyright law.

Participants are granted a limited, non-exclusive, non-transferable licence to use Content for personal, non-commercial learning purposes only. Reproducing, sharing, selling, or distributing any Content without prior written permission is prohibited.

7. Payment and Refunds

Programme fees are quoted in Thai Baht (฿) and are payable in full at the time of enrolment. Accepted payment methods include Thai bank transfer and card payment (details provided upon enrolment confirmation).

Refund policy:

• Full refund: cancellation received more than 7 days before the first session.
• 50% refund: cancellation received between 3 and 7 days before the first session.
• No refund: cancellation received fewer than 3 days before the first session, or after the programme has begun.

If Mali Capital cancels or significantly reschedules a programme, participants will receive a full refund or the option to transfer to an equivalent future session.

8. Disclaimers

Our Programmes are provided for educational purposes only. Mali Capital does not provide regulated financial advice, investment advice, or tax advice. Nothing in our Programmes should be interpreted as a recommendation to purchase, sell, or hold any financial product.

We make every reasonable effort to ensure that Programme Content is accurate and current, but we make no warranties as to the completeness, accuracy, or fitness of the Content for any particular purpose.

9. Limitation of Liability

To the fullest extent permitted by Thai law, Mali Capital's total liability to you for any claim arising from your use of the Website or participation in a Programme shall not exceed the amount you paid for the relevant Programme.

We are not liable for any indirect, consequential, or financial loss arising from decisions you make based on Programme Content. We are not liable for events beyond our reasonable control (force majeure), including natural disasters, government restrictions, or technical failures affecting third-party platforms.

10. Indemnification

You agree to indemnify and hold harmless Mali Capital Co., Ltd., its educators, staff, and representatives from any claims, losses, or costs (including reasonable legal fees) arising from your breach of these Terms or misuse of Programme Content.

11. Termination

We reserve the right to suspend or terminate your access to our Website or remove you from a Programme, without refund, if you breach these Terms. You may cease using the Website at any time.

Sections 6 (Intellectual Property), 8 (Disclaimers), 9 (Limitation of Liability), 10 (Indemnification), and 13 (Governing Law) survive any termination of this Agreement.

12. Dispute Resolution

These Terms are governed by the laws of the Kingdom of Thailand. Any dispute arising from these Terms shall first be addressed through informal negotiation. If unresolved within 30 days, disputes shall be submitted to the courts of Bangkok, Thailand, whose jurisdiction you accept.

13. General Provisions

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Mali Capital regarding your use of the Website and participation in our Programmes.

If any provision of these Terms is held invalid or unenforceable, the remaining provisions will continue in full effect. Our failure to enforce any provision is not a waiver of our right to do so in future.

We may update these Terms from time to time. Updated Terms will be posted on this page with a revised "Last Updated" date. Continued use of the Website or Programme after changes constitutes acceptance.

14. Contact

For legal enquiries relating to these Terms, please contact:

Mali Capital Co., Ltd.
167 Witthayu Road, Lumphini, Pathum Wan, Bangkok 10330
Email: [email protected]
Telephone: +66 2 615 9347