Terms and Conditions

Last Updated: July 09, 2026

1. Agreement to Terms

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Velnoras ("Company," "we," "us," or "our") concerning your access to and use of the velnoras.top website and retirement readiness information services (collectively, the "Service").

By accessing or using our Service, you agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use the Service.

2. Description of Service

Velnoras provides premium retirement readiness information services in Bangkok, Thailand, including:

• Retirement planning education and information
• Retirement readiness assessments
• Financial planning guidance for retirement
• Educational resources for Thai nationals and expats

Important: Our Service provides information and education only. We do not provide personalized financial advice, investment recommendations, or legal counsel. Users should consult qualified professionals for specific advice.

3. Eligibility

You must be at least 18 years of age to use our Service. By using the Service, you represent and warrant that you meet this eligibility requirement.

4. User Registration and Account

To access certain features of the Service, you may be required to register and create an account. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain and update your information to keep it accurate and complete
• Maintain the security and confidentiality of your login credentials
• Notify us immediately of any unauthorized use of your account
• Accept responsibility for all activities that occur under your account

5. Fees and Payment

Certain aspects of our Service may require payment of fees. By using paid services, you agree to:

• Pay all applicable fees as described on our website
• Provide current, complete, and accurate billing information
• Authorize us to charge your payment method for all fees
• Pay any applicable taxes

All fees are quoted in Thai Baht (฿) or other applicable currencies. We reserve the right to change our fees upon reasonable notice posted on the website.

6. Refund Policy

Refunds are governed by our separate Refund Policy, which is incorporated into these Terms by reference. Please review our Refund Policy for detailed information about cancellations and refunds.

7. Intellectual Property Rights

The Service and its entire contents, features, and functionality (including but not limited to information, software, text, displays, images, video, and audio) are owned by Velnoras and are protected by copyright, trademark, and other intellectual property laws.

You may not:

• Reproduce, distribute, or create derivative works from our content without permission
• Remove or modify any copyright or proprietary notices
• Use our trademarks or branding without authorization
• Reverse engineer or decompile any aspect of the Service

8. User Conduct and Prohibited Activities

You agree not to:

• Use the Service for any unlawful purpose or in violation of these Terms
• Impersonate any person or entity or misrepresent your affiliation
• Interfere with or disrupt the Service or servers
• Attempt to gain unauthorized access to any part of the Service
• Use automated systems to access the Service without permission
• Transmit viruses, malware, or other harmful code
• Collect or harvest information about other users
• Engage in any fraudulent or deceptive practices

9. Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

We do not warrant that:

• The Service will be uninterrupted, secure, or error-free
• The results obtained from using the Service will be accurate or reliable
• Any errors in the Service will be corrected
• The information provided will meet your specific retirement planning needs

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, VELNORAS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES.

Our total liability to you for all claims arising from or related to the Service shall not exceed the amount you paid us in the 12 months preceding the claim, or ฿1,000, whichever is greater.

11. Indemnification

You agree to indemnify, defend, and hold harmless Velnoras and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with:

• Your access to or use of the Service
• Your violation of these Terms
• Your violation of any third-party rights

12. Third-Party Links and Services

The Service may contain links to third-party websites or services that are not owned or controlled by Velnoras. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

13. Termination

We may terminate or suspend your account and access to the Service immediately, without prior notice or liability, for any reason, including if you breach these Terms.

Upon termination, your right to use the Service will immediately cease. All provisions of these Terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, and limitations of liability.

14. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of Thailand, without regard to its conflict of law provisions.

Any disputes arising from these Terms or the Service shall be resolved through:

• Good faith negotiation between the parties
• If negotiation fails, binding arbitration in Bangkok, Thailand
• The arbitration shall be conducted in English or Thai

15. Changes to Terms

We reserve the right to modify or replace these Terms at any time at our sole discretion. If a revision is material, we will provide at least 30 days' notice before the new terms take effect.

By continuing to access or use our Service after revisions become effective, you agree to be bound by the revised terms.

16. Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.

17. Waiver

No waiver by Velnoras of any term or condition shall be deemed a further or continuing waiver of such term or any other term, and any failure to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.

18. Entire Agreement

These Terms, together with our Privacy Policy and Refund Policy, constitute the entire agreement between you and Velnoras regarding the use of the Service.

19. Contact Information

If you have any questions about these Terms, please contact us:

Velnoras
Address: Flat 25 18 Bernadette Key Richmondchester, SA 2728, Malaysia
Phone: +262492632124
Email: info@velnoras.top
Website: velnoras.top

20. Acknowledgment

BY USING THE SERVICE, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS AND CONDITIONS AND AGREE TO BE BOUND BY THEM.