Legal Framework & Governance
Terms & Conditions
Service terms governing the digital advisory platform, website interactions, and consulting engagements with Tiao Phanit.
Effective Date & Last Updated: October 2026
1Introduction and Acceptance
Welcome to Tiao Phanit. By accessing, browsing, or utilizing this website and its associated interactive financial tools (including TWQs, simulators, and calculators), you confirm that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy. If you do not consent to these terms, please discontinue use immediately.
2Scope of Advisory Services & Non-Custodial Nature
Tiao Phanit operates as an institutional financial and insurance advisory practice. Insurance planning is conducted pursuant to the Office of Insurance Commission (OIC) regulatory provisions. Mutual fund and securities advisory are facilitated through accredited affiliation with Bualuang Securities PCL.
Important Notice: Tiao Phanit provides risk architecture and advisory strategies. We do not hold client cash or custody investment assets directly. All investment capital is remitted directly to licensed financial institutions and asset management firms.
3Intellectual Property & Trademarks
All trademarks, visual assets, proprietary methodology frameworks (such as TWQs), source code, design systems, and published insights on this website remain the exclusive intellectual property of Tiao Phanit or its respective licensors. Unauthorized reproduction, modification, scraping, or commercial exploitation is strictly prohibited without prior written authorization.
4Limitation of Liability
While we strive for absolute precision in financial calculations and market feeds, simulator outcomes represent illustrative financial models and do not guarantee future yields or specific tax clearances. Tiao Phanit accepts no liability for indirect, incidental, or consequential damages resulting from digital platform usage.
5Governing Law & Dispute Resolution
These Terms of Service are governed by and construed in accordance with the laws of the Kingdom of Thailand. Any disputes arising in connection with these terms shall be submitted to the exclusive jurisdiction of the competent courts of Thailand.