1. About These Terms
These Terms & Conditions ("Terms") apply to all visitors and clients who use the Pensaro website at pensaro.sbs or who engage any service offered by Pensaro ("we", "us", "our"). By accessing this website or booking a service, you agree to be bound by these Terms.
If you do not agree with any part of these Terms, please refrain from using our website or services.
2. Who We Are
Pensaro is a documentation support and education provider based in Bangkok, Thailand. Our registered address is 110 Ratchadaphisek Road, Din Daeng, Bangkok 10400. You may contact us by phone at +66 2 692 3471 or by email at [email protected].
3. Nature of Our Services
Pensaro provides three categories of service:
- Tabbed Filing Starter — An organisational filing session and printed index for personal documents.
- Understanding-Your-Paperwork Workshop — A general educational workshop about pension-related documentation, accompanied by an illustrated handbook and glossary.
- Document Process Design (B2B) — A process-mapping engagement for employers and community groups, producing a workflow map and written recommendations.
All services are strictly informational, educational, or organisational in nature. Nothing we provide constitutes financial, legal, tax, or any other form of regulated professional advice. We do not hold regulated licences of any kind. Any decisions relating to pension entitlements, fund management, or regulatory compliance remain entirely your own responsibility.
4. No Advice Disclaimer
The content on this website and in our service materials is intended for general informational and educational purposes only. It is not tailored to your individual circumstances and does not account for your specific financial or legal situation.
You should always seek guidance from a qualified financial adviser, accountant, or legal professional before making decisions about your pension arrangements.
5. Bookings and Payment
Service bookings are accepted by written confirmation from Pensaro following your enquiry. A booking is not confirmed until you receive written acknowledgement from us.
Prices displayed on this website are in Thai Baht (฿) and are subject to change. The price agreed at the time of booking will apply to your engagement.
Payment terms and accepted methods will be communicated to you at the time of booking confirmation. We reserve the right to decline or cancel a booking at our discretion.
6. Cancellations and Refunds
If you need to cancel or reschedule a booking, please contact us as soon as reasonably possible. Our cancellation and refund position will be communicated in your booking confirmation and may vary by service type.
We reserve the right to cancel or reschedule a service due to unforeseen circumstances. In such cases we will contact you promptly and offer an alternative date or a full refund where a fee has already been paid.
7. Intellectual Property
All content on this website — including text, graphics, illustrations, and service materials such as handbooks, worksheet templates, and workflow diagrams — is the intellectual property of Pensaro unless otherwise stated.
Service materials provided as part of a paid engagement are for the personal or internal use of the client only. They may not be reproduced, distributed, or sold to third parties without our prior written consent.
8. Limitation of Liability
To the fullest extent permitted by Thai law, Pensaro's liability arising from any engagement — whether for direct, indirect, or consequential loss — is limited to the fees paid for the specific service in question.
We are not liable for any decision made on the basis of general information provided by us, nor for any outcome related to a client's pension, retirement fund, or financial affairs.
9. Accuracy of Website Content
We take reasonable care to ensure the information on our website is accurate and current. However, we make no representations or warranties as to its completeness or fitness for any particular purpose. We may update or remove content at any time without notice.
10. Third-Party Links
Our website may contain links to external websites for your convenience. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.
11. Privacy and Cookies
Your use of this website is also governed by our Privacy Policy and Cookie Policy, which are incorporated into these Terms by reference.
12. Governing Law
These Terms are governed by and construed in accordance with the laws of the Kingdom of Thailand. Any dispute arising from or in connection with these Terms shall be subject to the jurisdiction of the Thai courts.
13. 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. Continued use of our website or services after any change constitutes acceptance of the updated Terms. We recommend checking this page periodically.
14. Contact
If you have questions about these Terms, please contact us:
- Email: [email protected]
- Phone: +66 2 692 3471
- Address: 110 Ratchadaphisek Road, Din Daeng, Bangkok 10400