Terms & Conditions

1. Definitions

• "Silverledge", "we", "us", "our" — refers to Silverledge, operating from 91/12 Charoen Prathet Road, Chang Khlan, Mueang Chiang Mai, Chiang Mai 50100, Thailand.
• "Service(s)" — any of the three services described on this website: Paperwork Sorting Session, Household Filing Kit, and Community Information Series.
• "User", "you", "client" — any person or organisation accessing this website or engaging Silverledge's services.
• "Agreement" — these Terms & Conditions, together with any booking confirmation or written order.

2. Acceptance of Terms

By using this website, submitting an enquiry, or engaging any Silverledge service, you agree to be bound by this Agreement. You must be at least 18 years of age and have the legal capacity to enter into this Agreement. If you are engaging services on behalf of another person or organisation, you confirm you have authority to do so.

3. Nature of Services

Silverledge provides exclusively administrative and educational services. Specifically:

• The Paperwork Sorting Session assists with organising physical documents into a folder system. No documents are interpreted, photocopied, or retained.
• The Household Filing Kit is a product comprising folders, labels, and printed checklists for independent home use.
• The Community Information Series provides general educational talks about how retirement correspondence is typically structured. No personal advice is given.

Important: None of our services constitute financial advice, legal advice, regulated advice of any kind, or any form of representation. We do not interpret, assess, or act on any document on your behalf. Nothing in our communications or sessions should be relied upon as a substitute for advice from a qualified financial adviser, lawyer, or other regulated professional.

4. Bookings and Payment

Bookings are confirmed by written acknowledgement from Silverledge after receipt of payment in full. Prices are as listed on this website at the time of enquiry. Payment is accepted in Thai Baht (THB). Prices include VAT where applicable under Thai law.

We reserve the right to adjust pricing for future bookings with reasonable notice. Confirmed bookings are subject to the price agreed at the time of confirmation.

5. Cancellations and Refunds

• Sessions: Cancelled with more than 48 hours' notice — full refund. Cancelled with less than 48 hours' notice — no refund, but the session may be rescheduled once at no additional charge.
• Filing Kits: Unopened kits may be returned within 14 days of delivery for a full refund, less any delivery costs incurred. Opened kits are non-refundable.
• Community Series: Cancellations by the client group with more than 7 days' notice — full refund. Cancellations within 7 days — 50% refund. Sessions already delivered are non-refundable.

If Silverledge cancels a confirmed booking, we will offer a full refund or a rescheduled date at your preference.

6. User Responsibilities

You agree to:

• Provide accurate information when making an enquiry or booking
• Bring or have ready any documents you wish to organise during a session
• Attend sessions at the agreed time, or give reasonable notice if unable to do so
• Not use our services or materials for any unlawful purpose
• Not reproduce, resell, or distribute any printed materials provided by Silverledge without written permission

7. Intellectual Property

All printed resources, checklists, guides, and website content produced by Silverledge are our intellectual property. You are granted a personal, non-transferable licence to use materials supplied as part of the service for your own household or personal use. Any reproduction for commercial purposes or distribution to third parties requires prior written consent.

8. Disclaimers

Services are provided on an "as is" basis. We do not promise any particular outcome from using our services — for example, we do not promise that organising your documents will affect entitlements, claims, or any administrative outcomes. All outcomes depend on factors entirely outside our control and scope.

We make no representations about the accuracy or completeness of any general information provided in the Community Information Series. That series is educational in nature and reflects general patterns only.

9. Limitation of Liability

To the fullest extent permitted by Thai law, Silverledge's total liability to you for any claim arising from or related to our services is limited to the amount paid by you for the specific service giving rise to the claim.

We are not liable for any indirect, consequential, or incidental loss, including loss of data, loss of opportunity, or loss arising from reliance on information provided in educational sessions.

10. Governing Law and Disputes

This Agreement is governed by the laws of the Kingdom of Thailand. Any disputes arising under or in connection with this Agreement shall first be subject to good-faith negotiation. If unresolved after 30 days, disputes shall be subject to the jurisdiction of the courts of Chiang Mai Province, Thailand.

11. Changes to These Terms

We may update these Terms & Conditions at any time. The updated version will be published on this page with a revised "Last Updated" date. Continued use of our services after an update constitutes acceptance of the revised terms.

12. Contact

For any questions about these Terms:
Silverledge, 91/12 Charoen Prathet Road, Chang Khlan, Mueang Chiang Mai, Chiang Mai 50100, Thailand
Email: [email protected]