Terms & Conditions

Introduction

These Terms and Conditions govern your use of services provided by Cornerstead ("we", "us", "our"), a records organisation and retirement information service operating in Nakhon Si Thammarat, Thailand. By engaging any of our services, you agree to these terms in full. Please read them carefully before proceeding.

If you have questions before committing, please contact us at [email protected].

1. Definitions

• "Agreement" means these Terms and Conditions as accepted by you.
• "Service" means any of the three offerings provided by Cornerstead: Community Support Circles, Process Walkthrough Guides, and Personal Filing System Setup.
• "User" / "you" means any individual who contacts, engages with, or purchases a Service from Cornerstead.
• "We / Us / Our" means Cornerstead, located at 27 Thanon Ratchadamnoen, Phra Borommathat, Mueang Nakhon Si Thammarat, Nakhon Si Thammarat 80000, Thailand.
• "Content" means written materials, guides, printed documents, and any other materials provided as part of a Service.
• "Session" means a scheduled group or in-person meeting forming part of a Service.

2. Acceptance of Terms

By submitting an enquiry, making a booking, or attending any Session, you confirm that:

• You are at least 18 years of age.
• You have the legal capacity to enter into this Agreement.
• You have read, understood, and agree to these Terms and Conditions.

If you are making arrangements on behalf of another person, you confirm that you have authority to bind that person to this Agreement.

3. Service Description

Cornerstead provides three distinct services related to retirement information and personal records organisation:

• Community Support Circles — facilitated small-group sessions for people navigating retirement transitions.
• Process Walkthrough Guides — printed plain-language guides summarising general administrative processes, referencing publicly available information only.
• Personal Filing System Setup — an in-person visit to a client's home to help sort, label, and arrange personal documents.

Services are available to individuals located in or able to travel to Nakhon Si Thammarat, Thailand. Geographic availability of in-person services is subject to reasonable travel distance. Written guides may be sent by post to other locations by prior arrangement.

Cornerstead is not a law firm, financial advisory firm, or healthcare provider. Nothing in any Service constitutes legal, financial, medical, or professional advice of any kind.

4. User Responsibilities

When using our Services, you agree to:

• Provide accurate contact and scheduling information when making a booking.
• Attend Sessions at the agreed time, or provide at least 48 hours' notice if you need to reschedule.
• Treat facilitators, staff, and other participants with respect during group Sessions.
• Use Content provided solely for your own personal, non-commercial purposes.
• Not reproduce, distribute, or commercially exploit any materials provided as part of a Service without prior written consent.
• Not disclose personal information shared by other participants in group Sessions.

You agree not to use our Services for any purpose that is unlawful under Thai law or that causes harm to others.

5. Intellectual Property

All guides, templates, printed materials, and other Content produced by Cornerstead remain the intellectual property of Cornerstead. You are granted a limited, personal, non-transferable licence to use such Content for your own private purposes.

You may not copy, reproduce, sell, or distribute our materials in any form without written permission. This restriction does not affect your right to retain and personally reference materials you have paid for.

6. Payment Terms

All prices are quoted and payable in Thai Baht (฿). Current service prices are:

• Community Support Circles — ฿3,400 per session
• Process Walkthrough Guides — ฿18,000 per guide set
• Personal Filing System Setup — ฿33,000 per setup

Payment is due before the Service commences unless otherwise agreed in writing. We accept bank transfer and cash. No Service will proceed until payment has been received or confirmed.

Cancellation and refunds: If you cancel with more than 48 hours' notice, a full refund will be provided. Cancellations with less than 48 hours' notice may be subject to a 50% cancellation fee. If we cancel a Session, a full refund or rescheduling option will be offered.

7. Service Delivery

We will make reasonable efforts to deliver Services as described and at the agreed time. Scheduling is confirmed with you in advance. We reserve the right to reschedule a Session due to unforeseen circumstances, with as much notice as possible.

For the Personal Filing System Setup, the session takes place at your home or a location agreed between us. You are responsible for ensuring that the relevant documents are accessible during the visit. Any additional time required beyond a reasonable session length may be quoted separately.

Guides are provided in printed form. Digital copies are not supplied as standard.

8. Disclaimers

Our Services are provided for general information and organisational support purposes only. They do not constitute and should not be treated as professional advice in any regulated field including law, finance, taxation, or healthcare.

We do not represent that any administrative process described in our guides will apply to your specific circumstances. Official requirements may change. Always verify information with the relevant authority or a suitably qualified professional where important decisions depend on it.

Services are provided on an "as available" basis. We do not warrant that our Services will be uninterrupted or error-free.

9. Limitation of Liability

To the fullest extent permitted by applicable Thai law, Cornerstead shall not be liable for any indirect, incidental, consequential, or special loss or damage arising from the use of, or inability to use, our Services.

Our total liability for any claim arising out of or related to a Service shall not exceed the amount paid by you for that specific Service.

Nothing in these Terms excludes liability for death or personal injury caused by our negligence, or for fraud or fraudulent misrepresentation.

We are not liable for circumstances beyond our reasonable control, including natural events, utility failures, or government orders affecting operations.

10. Indemnification

You agree to indemnify Cornerstead and its staff against any claims, losses, or expenses (including reasonable legal fees) arising from your breach of these Terms, your misuse of our Content, or any action you take based on information obtained through our Services without appropriate professional verification.

11. Termination

Either party may terminate an engagement by giving reasonable notice. If you have paid in advance and termination occurs before a Service is delivered, refund terms set out in Section 6 apply.

We reserve the right to decline or discontinue a Service if a User's conduct is disruptive or harmful to others, without refund where that conduct is the cause of termination.

Sections 5, 8, 9, 10, 12, and 13 survive termination of this Agreement.

12. Dispute Resolution

These Terms are governed by the laws of the Kingdom of Thailand. Any dispute arising from them will first be referred to informal negotiation between the parties. If resolution is not reached within 30 days, the dispute may be referred to mediation or, if necessary, to the competent courts of Nakhon Si Thammarat Province.

Thai consumer protection law, including the Consumer Protection Act B.E. 2522 (1979) and its amendments, applies where relevant.

13. General Provisions

• Entire Agreement: These Terms, together with any booking confirmation, constitute the full agreement between us for the relevant Service.
• Severability: If any provision is found unenforceable, the remaining provisions continue in full effect.
• Waiver: Failure to enforce any provision does not constitute a waiver of that provision.
• Assignment: You may not assign your rights under this Agreement without our prior written consent. We may assign our obligations to a successor in the event of a business transfer.
• Language: These Terms are written in English. In the event of any inconsistency between an English version and a translation, the English version prevails.

14. Changes to These Terms

We may update these Terms from time to time. When we do, the "Last Updated" date at the top of this page will change. We will make reasonable efforts to notify existing clients of material changes by email or notice on our website.

Continuing to use our Services after an update constitutes acceptance of the revised Terms. If you do not agree to the revised Terms, please contact us to discuss your options before the change takes effect.

Contact for Legal Matters

For questions or concerns relating to these Terms:

• Email: [email protected]
• Post: Cornerstead, 27 Thanon Ratchadamnoen, Phra Borommathat, Mueang Nakhon Si Thammarat, Nakhon Si Thammarat 80000, Thailand
• Phone: +66 75 318 4602