Terms & Conditions

1. Definitions

Throughout these Terms and Conditions, the following terms carry the meanings given below:

• "Latterly", "we", "us", "our" — refers to Latterly, 77 Nimmanhaemin Road, Su Thep, Mueang Chiang Mai, Chiang Mai 50200, Thailand.
• "Sessions" or "Programmes" — refers to our Orientation Workshop, Records Sorting Toolkit service, and Extended Literacy Course, collectively and individually.
• "Participant" or "you" — refers to any individual who enrols in, attends, or enquires about a Latterly session.
• "Materials" — refers to any printed, digital, or oral content provided as part of a Latterly session, including worksheets, reading lists, templates, and module content.
• "Website" — refers to the Latterly website accessible at latterlydas.pro.
• "Agreement" — refers to these Terms and Conditions together with any session enrolment confirmation provided to you.

2. Acceptance of Terms

By enquiring about, registering for, or attending any Latterly session, you confirm that you have read, understood, and agree to be bound by these Terms and Conditions.

Our sessions are designed for adults. Participation requires that you are at least 18 years of age and have the legal capacity to enter into an agreement. If you are registering on behalf of another person, you confirm that you have authority to do so and that the participant accepts these terms.

If you do not agree with any part of these Terms, we respectfully ask that you contact us before enroling so that we can address your questions.

3. Service Description

Latterly provides general educational and informational sessions relating to later-life planning, retirement literacy, and pension-related information. Our three current programmes are:

• Orientation Workshop (฿3,900): A half-day group session offering a calm introduction to later-life planning topics, including general budgeting literacy, useful records to keep, and how to prepare for professional consultations. Includes a printed summary sheet and reading list.
• Records Sorting Toolkit (฿15,800): A guided service helping participants arrange their own planning papers using templates and a step-by-step checklist system. Includes template packs, one working session, and a maintenance guide.
• Extended Literacy Course (฿32,600): A multi-week structured course with discussion groups and planning frameworks for a thorough understanding of later-life topics. Includes the full module set, ongoing group access, and periodic information updates.

All sessions are conducted in Chiang Mai, Thailand, unless otherwise stated. We reserve the right to adjust session formats (including moving to remote delivery where necessary) with reasonable notice.

4. Enrolment and Participation

Enrolment is confirmed upon receipt of full payment and a confirmation message from Latterly. Places are limited and are allocated on a first-come basis.

Session schedules, locations, and group compositions are at Latterly's reasonable discretion. We will notify participants of confirmed dates and arrangements in advance.

Participants are responsible for making their own travel and accommodation arrangements. Latterly does not provide transport or accommodation as part of any session fee.

For the Extended Literacy Course, ongoing group access is provided for the duration of the enrolled course period only. Access does not renew automatically or extend without a new enrolment.

5. Participant Responsibilities

Participants agree to:

• Engage with sessions in a respectful and considerate manner towards fellow participants and Latterly staff.
• Arrive punctually for scheduled sessions and notify Latterly in advance if they are unable to attend.
• Use all Materials for personal educational purposes only and not reproduce, distribute, or share them with others outside the session.
• Refrain from recording sessions (audio or video) without prior written consent from Latterly.
• Provide accurate information during registration and keep contact details up to date.

Participants who engage in disruptive or disrespectful conduct may be asked to leave a session without refund at Latterly's discretion.

6. Intellectual Property

All Materials produced by Latterly, including worksheets, templates, reading lists, course frameworks, and website content, remain the intellectual property of Latterly.

Upon payment, participants are granted a personal, non-transferable licence to use Materials for their own private planning purposes. This licence does not permit commercial use, reproduction for distribution, or modification for any purpose beyond personal use.

The Latterly name, logo, and related identifiers are the property of Latterly and may not be used without written permission.

7. Payment and Fees

Session fees are quoted and payable in Thai Baht (฿). Fees are payable in full at the time of enrolment unless a written payment arrangement has been agreed with Latterly.

We accept payment by bank transfer and other methods confirmed at the time of booking. Details will be provided in your enrolment correspondence.

Cancellation and refund terms:

• Cancellations made 14 or more days before a session: a full refund less a ฿500 administrative handling fee.
• Cancellations made 7–13 days before a session: a 50% refund of the session fee.
• Cancellations made fewer than 7 days before a session: no refund is available, though participants may transfer their place to another individual by notifying us in writing.
• If Latterly cancels or postpones a session, participants will be offered a full refund or the option to transfer to a rescheduled date.

Refunds are processed to the original payment method within 14 working days of the cancellation confirmation.

8. Educational Nature of Content

All Latterly sessions, materials, and communications are educational and informational in nature. Nothing provided by Latterly constitutes financial, legal, tax, or personal advice of any kind.

Session content is intended to support general understanding and to help participants formulate questions for suitably qualified professionals. Participants should seek advice from a licensed financial adviser, solicitor, or other appropriate professional before making decisions about their own circumstances.

Latterly does not represent, endorse, or recommend any specific financial product, investment strategy, adviser, or service provider.

9. Disclaimers

Our sessions and materials are provided in good faith and with reasonable care, but we make no representation that the content will be complete, current, or suitable for any individual's particular circumstances.

Latterly does not warrant that session content will produce any specific outcome for any participant. Results vary depending on individual circumstances, and no assurance of any particular benefit is made or implied.

We are not responsible for third-party websites, publications, or services referenced in our reading lists or session discussions.

10. Limitation of Liability

To the fullest extent permitted under applicable Thai law, Latterly's total liability to any participant arising out of or in connection with their participation in a session shall not exceed the fee paid for that session.

We shall not be liable for any indirect, consequential, or incidental loss, including (without limitation) loss of income, loss of opportunity, or decisions made in reliance on session content.

Nothing in these Terms limits our liability for fraud, gross negligence, or any matter that cannot lawfully be excluded.

Latterly shall not be liable for any failure or delay in performing obligations caused by circumstances beyond our reasonable control, including but not limited to natural events, public health measures, utility disruptions, or venue unavailability.

11. Cancellation and Termination

Participants may withdraw from a session at any time, subject to the refund terms in Section 7.

Latterly may terminate a participant's enrolment if they breach these Terms, particularly regarding conduct or misuse of Materials. In such cases, no refund will be provided.

Provisions relating to intellectual property, disclaimers, limitations of liability, and governing law shall survive any termination or expiry of participation.

12. Governing Law and Disputes

These Terms and Conditions are governed by and construed in accordance with the laws of the Kingdom of Thailand.

In the event of a dispute, we encourage participants to contact us in the first instance so that we may seek an amicable resolution. We aim to respond to all written concerns within 10 working days.

If a dispute cannot be resolved informally, it shall be subject to the jurisdiction of the competent courts of Chiang Mai, Thailand.

13. General Provisions

• Entire Agreement: These Terms, together with your enrolment confirmation, constitute the entire agreement between you and Latterly in relation to your participation.
• Severability: If any provision of these Terms is found to be unenforceable, the remaining provisions continue in full force.
• Waiver: Our failure to enforce any provision does not constitute a waiver of that provision or our right to enforce it in future.
• Assignment: Participants may not assign their rights under these Terms without our written consent. Latterly may assign its rights in connection with any business transfer.
• Notices: Notices from participants to Latterly should be sent in writing to [email protected] or to our postal address below.

14. Changes to These Terms

We may update these Terms from time to time. The date at the top of this page reflects when they were last revised. Material changes will be communicated to registered participants by email or by a notice on our website.

Continued participation in any Latterly session after updated Terms have been published constitutes acceptance of the revised Terms.

15. Contact

For questions about these Terms or to raise a concern, please contact us: