Terms & Conditions

1. Definitions

• "Quietharbor", "we", "us", "our" — the business operating from 45/3 Charoen Prathet Road, Chang Khlan, Mueang Chiang Mai, Chiang Mai 50100, Thailand.
• "Services" — the Understanding Your Options Sessions, Paperwork Sorting Service, and Ongoing Organisation Plan described on this website.
• "User", "you", "your" — any person who accesses this website or books a Quietharbor service.
• "Agreement" — these Terms & Conditions, together with our Privacy Policy and Cookie Policy.
• "Appointment" — a confirmed booking for any Quietharbor service.

2. Acceptance of Terms

By using this website or booking any Quietharbor service, you confirm that you have read, understood, and agree to be bound by these terms. If you do not agree, please do not use the website or book a service.

Our services are intended for individuals aged 18 or over who have the legal capacity to enter into an agreement. By booking, you confirm that you meet this requirement.

3. Service Description

Quietharbor provides the following services, at the prices stated on this website:

• Understanding Your Options Sessions (฿3,500): Educational information sessions on retirement-related topics, conducted in plain English. No individual financial, legal, or investment advice is given.
• Paperwork Sorting Service (฿8,600): Practical assistance arranging personal documents, producing an index and plain-language summary sheet.
• Ongoing Organisation Plan (฿24,500 per season): A seasonal companion arrangement maintaining and updating a client's document records over approximately three months.

Services are offered to clients based in or visiting Chiang Mai, Thailand. Remote appointments may be available by prior arrangement.

4. Booking and Confirmation

A booking is confirmed when you have submitted an enquiry, Quietharbor has confirmed the appointment in writing (by email or message), and the agreed fee has been received or an alternative payment arrangement confirmed.

We reserve the right to decline a booking at our discretion, in which case any fee paid will be returned in full.

5. User Responsibilities

• You agree to provide accurate information when making an enquiry or booking.
• You agree not to use our services or website for any unlawful purpose.
• You understand that information shared in sessions is for general educational purposes only and does not constitute personal advice.
• You are responsible for any decisions made on the basis of information provided in a session.
• Where documents are handled as part of the Paperwork Sorting Service, you confirm that you have the right to handle and share those documents.

6. Intellectual Property

All content on this website — including text, design, and session materials such as glossaries and summary templates — is the property of Quietharbor. You may use this content for personal, non-commercial purposes only. You may not reproduce, distribute, or adapt it without our written permission.

7. Payment

Prices are stated in Thai Baht (฿) and are inclusive of applicable taxes. Payment is due prior to or at the time of the appointment, unless an alternative arrangement has been agreed in writing.

We accept cash (Thai Baht), bank transfer, and other methods as communicated at the time of booking. Receipts are available on request.

Cancellations and rescheduling: Appointments cancelled more than 48 hours in advance will receive a full refund or free rescheduling. Cancellations within 48 hours may be subject to a 50% cancellation fee. We will always try to find a reasonable solution where circumstances are outside your control.

8. Service-Specific Terms

8.1 Information Sessions

Sessions cover general educational content only. Nothing said or written in a session constitutes personal financial, legal, investment, or professional advice. You are encouraged to seek independent professional advice for your specific circumstances.

8.2 Paperwork Sorting

Documents are handled with care and discretion. We do not retain copies of documents beyond what is explicitly requested. The summary sheet and index produced are for your personal use only.

8.3 Ongoing Organisation Plan

The plan runs for approximately three months (one season). There is no automatic renewal; continuation must be requested. Monthly check-in appointments will be arranged by mutual agreement. Missed check-ins may be rescheduled within the same season where possible.

9. Disclaimers

Our services are provided in good faith and to the best of our ability. However:

• We do not hold professional licences for financial advice, legal advice, tax advice, or any regulated activity.
• Information provided in sessions reflects general publicly available knowledge and may not reflect your specific circumstances.
• We do not represent or warrant that information is exhaustive, error-free, or suitable for your particular situation.
• Our services are not a substitute for advice from a suitably qualified and licenced professional.

10. Limitation of Liability

To the fullest extent permitted under Thai law, Quietharbor's liability for any claim arising from the use of our services shall not exceed the fee paid for the specific service giving rise to the claim.

We are not liable for indirect, consequential, or special losses, including but not limited to loss of income, financial decisions made on the basis of session content, or loss of documents not caused by our direct negligence.

11. Indemnification

You agree to indemnify and hold harmless Quietharbor and its team members from any claims, losses, or expenses arising from your misuse of our services, your breach of these terms, or any third-party claims arising from your actions.

12. Termination

Either party may cancel or conclude a service engagement by giving written notice. For the Ongoing Organisation Plan, either party may terminate with reasonable notice, and a pro-rata refund will be considered for any prepaid portion not yet delivered.

Sections 9, 10, 11, and 13 of these terms survive termination.

13. Dispute Resolution & Governing Law

These terms are governed by the laws of the Kingdom of Thailand. Any dispute will first be addressed through direct communication and reasonable good-faith negotiation. If resolution is not reached within 30 days, the matter may be referred to mediation or the competent Thai courts in Chiang Mai province.

14. General Provisions

• Entire agreement: These terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Quietharbor.
• Severability: If any provision is found unenforceable, the remaining provisions remain in full effect.
• Waiver: Failure to enforce a provision on one occasion does not waive our right to enforce it on another.
• Assignment: You may not assign your rights under these terms without our written consent.

15. Changes to These Terms

We may update these terms from time to time. The revised version will be posted on this page with an updated effective date. Where changes are material, we will notify active clients by email. Continued use of our services following any change constitutes acceptance.