1. Acceptance of Terms

When you visit our website or enroll in any of our programs, you're entering into an agreement with ChatOnPostHub. If you don't agree with any part of these terms, you shouldn't use our services.

We reserve the right to modify these terms at any time. Changes become effective immediately upon posting to our website. Your continued use after changes means you accept the updated terms.

2. Services Description

ChatOnPostHub provides educational content and training programs focused on working capital analysis for businesses operating in Thailand and the broader Southeast Asian market. Our services include:

• Online learning modules covering financial analysis fundamentals
• Working capital assessment frameworks and methodologies
• Interactive case studies based on regional business contexts
• Access to educational resources and reference materials
• Limited consultation opportunities with program instructors

We don't promise specific financial outcomes or guarantee business results. Our programs aim to build knowledge and analytical capabilities that students can apply in their professional contexts.

3. User Obligations and Conduct

Account Responsibilities

You're responsible for maintaining the confidentiality of your account credentials. Any activity under your account is your responsibility, so let us know immediately if you suspect unauthorized access.

Acceptable Use

Our platform is designed for legitimate educational purposes. You agree not to:

• Share your account access with others or transfer your enrollment
• Reproduce, distribute, or commercially exploit our course materials
• Use automated systems to access or download content in bulk
• Interfere with other users' experience or platform functionality
• Attempt to reverse engineer any aspect of our educational platform
• Upload malicious code or attempt unauthorized system access

Professional Conduct

In discussion forums and interactive sessions, we expect respectful professional behavior. Harassment, discrimination, or disruptive conduct will result in immediate account suspension.

4. Intellectual Property Rights

All content on chatonposthub.com belongs to us or our licensors. This includes course materials, videos, documents, design elements, and proprietary methodologies.

When you enroll in our programs, you receive a limited, non-transferable license to access materials for personal educational use. This license doesn't give you ownership rights or permission to redistribute content.

If you submit questions, comments, or contribute to discussions, you grant us permission to use that content for educational purposes within our platform.

5. Registration and Enrollment

Programs scheduled for autumn 2025 and early 2026 require advance registration. Enrollment confirmations are sent via email to the address you provide during registration.

Enrollment Requirements

• You must be at least 18 years old to enroll in our programs
• Accurate contact information is required for course communications
• Some advanced programs may require prerequisite knowledge verification
• Payment must be completed before accessing course materials

Program Availability

We maintain reasonable efforts to ensure program availability, but technical issues or unforeseen circumstances may occasionally affect access. In such cases, we'll extend access periods accordingly.

6. Payment Terms and Refunds

Program fees are listed in Thai Baht and must be paid through our designated payment processors. Prices are subject to change, but enrolled students pay the rate current at their enrollment time.

Refund Policy

We offer a 14-day satisfaction window from the program start date. If you're not satisfied within this period, contact us for a refund consideration. After 14 days, all sales are final.

Refunds aren't available if you've completed more than 40% of the course content or violated these terms. Processing takes 7-10 business days after approval.

Payment Processing

We use third-party payment processors who have their own terms and privacy policies. You're responsible for any fees your bank or payment provider charges for transactions.

7. Privacy and Data Protection

Your privacy matters to us. We collect and use personal information as described in our Privacy Policy, which you should read alongside these terms.

We collect information necessary to provide our services, including name, email, payment details, and learning progress data. This information helps us deliver better educational experiences and communicate effectively.

Data Security

We implement reasonable security measures to protect your information, but no online system is completely secure. You acknowledge this inherent risk when using our services.

8. Disclaimers and Limitations

Our educational content is provided "as is" without warranties of any kind. While we strive for accuracy, we can't guarantee that all information is error-free or current at all times.

Limitation of Liability

To the maximum extent permitted by law, ChatOnPostHub and its instructors aren't liable for indirect, incidental, or consequential damages arising from your use of our services.

Our total liability for any claims related to our services is limited to the amount you paid for the specific program in question.

Educational Purpose

Our content is for educational purposes and shouldn't be considered professional financial advice for specific business decisions. Consult qualified professionals for advice tailored to your situation.

9. Third-Party Links and Content

Our platform may link to external websites or reference third-party resources. We don't control these sites and aren't responsible for their content, accuracy, or policies.

When you click external links, you're subject to those sites' terms and privacy policies. We recommend reviewing them before providing any information.

10. Account Termination

We reserve the right to suspend or terminate accounts that violate these terms. This includes sharing credentials, misusing content, or engaging in disruptive behavior.

You can close your account anytime by contacting us, though this doesn't entitle you to refunds outside our stated policy. Upon termination, your access to course materials ends immediately.

Effect of Termination

• Immediate loss of access to all course materials and platform features
• No refunds for unused portions of prepaid programs
• Survival of provisions regarding intellectual property and confidentiality
• Deletion of personal data according to our Privacy Policy

11. Governing Law and Disputes

These terms are governed by Thai law. Any disputes arising from these terms or our services will be resolved in the courts of Chanthaburi, Thailand.

Before initiating legal action, we encourage you to contact us directly. Many issues can be resolved through good-faith discussion.

12. Changes to Services

We may modify, suspend, or discontinue any aspect of our services at any time. This includes adding or removing features, changing program structures, or updating course content.

For enrolled students, we'll provide reasonable notice of significant changes affecting their current programs. Changes typically won't affect courses already in progress.

13. General Provisions

Entire Agreement

These terms, along with our Privacy Policy, constitute the complete agreement between you and ChatOnPostHub regarding our services.

Severability

If any provision of these terms is found unenforceable, the remaining provisions continue in full effect.

No Waiver

Our failure to enforce any right or provision doesn't constitute a waiver of that right in the future.

Assignment

You can't transfer your rights or obligations under these terms without our written consent. We may assign our rights to any successor or affiliated entity.