Contact us

TERMS OF SERVICE

Terms of Service for Sam’O Consulting

Effective Date: October 30, 2025

Welcome to Sam’O Consulting (“we,” “us,” or “our”). These Terms of Service (“Terms”) govern your access to and use of our website, our consulting services, and any related content, materials, or offerings (collectively, the “Services”). By accessing or using our Services, you (“you” or “Client”) agree to be bound by these Terms. If you do not agree, please do not use our Services.

1. Scope of Services

Sam’O Consulting provides end-to-end consulting services for FinTech and PayTech companies entering or expanding in the Thai market, including but not limited to:

  • Market entry strategy and analysis
  • Regulatory and licensing support (e.g., Bank of Thailand PSP, e-money, or payment gateway authorizations)
  • Technology and operational setup (e.g., PromptPay integration, PCI-DSS compliance)
  • Outsourced operations and executive support

Details of our Services are outlined on our website and in specific engagement agreements. Services are provided subject to the terms of both these Terms and any signed engagement agreement between you and Sam’O Consulting.

2. Eligibility

You must be at least 18 years old and have the legal authority to enter into contracts on behalf of yourself or your organization to use our Services. By using our Services, you represent and warrant that you meet these requirements.

3. Your Responsibilities

When using our Services, you agree to:

  • Provide Accurate Information: Provide truthful, accurate, and complete information when engaging with us, including during consultations, inquiries, or licensing processes.
  • Comply with Laws: Adhere to all applicable laws, regulations, and guidelines, including Thailand’s Personal Data Protection Act B.E. 2562 (PDPA), Bank of Thailand (BOT) regulations, and anti-money laundering (AML) requirements.
  • Respect Intellectual Property: Not reproduce, distribute, or modify any content, materials, or deliverables provided by Sam’O Consulting without prior written consent.
  • Payment Obligations: Pay all fees for Services as outlined in your engagement agreement, including any applicable taxes, in a timely manner.
  • Confidentiality: Maintain the confidentiality of any proprietary or sensitive information shared by Sam’O Consulting during the course of our engagement.

4. Engagement Agreements

Our Services are typically provided under a separate engagement agreement or contract that outlines the scope, deliverables, fees, and timeline for specific projects (e.g., market entry strategy, licensing, or operational setup). In the event of a conflict between these Terms and an engagement agreement, the engagement agreement will prevail.

5. Fees and Payment

  • Pricing: Fees for Services vary based on scope and service type (e.g., market entry strategy starting at $25,000, regulatory and licensing from $50,000-$150,000, managed operations starting at $15,000/month). Exact fees will be specified in your engagement agreement.
  • Payment Terms: Payments must be made in accordance with the terms outlined in your engagement agreement, typically via bank transfer or through a secure third-party payment processor.
  • Late Payments: Late payments may incur interest at a rate of 1.5% per month or the maximum rate permitted by law, whichever is lower. We reserve the right to suspend Services for non-payment.
  • Refunds: Fees are non-refundable except as specified in your engagement agreement or required by applicable law.

6. Intellectual Property

  • Ownership: All content, materials, methodologies, frameworks, and deliverables created by Sam’O Consulting remain our property or that of our licensors, unless otherwise specified in an engagement agreement. Upon full payment, you may receive a limited, non-exclusive, non-transferable license to use deliverables solely for your internal business purposes in Thailand.
  • Client Materials: You grant us a non-exclusive, worldwide, royalty-free license to use any materials or information you provide (e.g., business plans, data) solely to perform the Services.
  • Restrictions: You may not reproduce, distribute, modify, or create derivative works from our materials or deliverables without prior written consent.

7. Confidentiality

  • Definition: “Confidential Information” includes any non-public information shared between you and Sam’O Consulting, such as business plans, financial data, regulatory strategies, or technical specifications.
  • Obligations: Both parties agree to protect Confidential Information and use it only for the purposes of the Services. We will not disclose your Confidential Information to third parties except as necessary to provide Services (e.g., to service providers or regulators) or as required by law.
  • Exceptions: Confidential Information does not include information that is publicly available, independently developed, or rightfully obtained from a third party.
  • Duration: Confidentiality obligations survive for five (5) years after the termination of our engagement or as required by law.

8. Disclaimers

  • No Guarantees: While we strive for a 100% success rate in BOT licensing and other services, we cannot guarantee specific outcomes (e.g., regulatory approval, market success) due to factors beyond our control, such as BOT decisions or market conditions.
  • Professional Advice: Our Services are advisory in nature and based on our expertise in Thailand’s FinTech landscape. You are responsible for making final business decisions and ensuring compliance with all applicable laws.
  • Third-Party Services: We may recommend or facilitate partnerships with third parties (e.g., banks, technology vendors). We are not responsible for their performance, actions, or compliance.

9. Limitation of Liability

To the fullest extent permitted by law:

  • Cap on Liability: Our total liability for any claims arising from these Terms or the Services will not exceed the fees paid by you for the specific engagement giving rise to the claim.
  • No Consequential Damages: We will not be liable for indirect, incidental, consequential, or punitive damages, including loss of profits, revenue, or data, even if advised of the possibility of such damages.
  • Exceptions: Nothing in these Terms limits our liability for gross negligence, willful misconduct, or liabilities that cannot be excluded under applicable law.

10. Indemnification

You agree to indemnify, defend, and hold harmless Sam’O Consulting, its affiliates, officers, directors, employees, and agents from any claims, liabilities, damages, or expenses (including reasonable attorneys’ fees) arising from:

  • Your misuse of our Services.
  • Your violation of these Terms or applicable laws.
  • Your infringement of third-party rights, including intellectual property or privacy rights.

11. Termination

  • By You: You may terminate your engagement with us as outlined in your engagement agreement, subject to any applicable fees or notice periods.
  • By Us: We may terminate or suspend Services if you breach these Terms, fail to make payments, or engage in conduct that harms our reputation or operations.
  • Effect of Termination: Upon termination, you must pay all outstanding fees, and confidentiality obligations will continue as specified in Section 7. Any licenses to use deliverables may be revoked unless otherwise agreed.

12. Governing Law and Dispute Resolution

  • Governing Law: These Terms are governed by the laws of Thailand, without regard to conflict of law principles.
  • Dispute Resolution: Any disputes arising from these Terms or the Services will be resolved through good-faith negotiations. If unresolved, disputes will be submitted to binding arbitration in Bangkok, Thailand, under the rules of the Thailand Arbitration Center (THAC). Each party will bear its own costs, except as otherwise determined by the arbitrator.
  • Jurisdiction: For any disputes not subject to arbitration, the courts of Bangkok, Thailand, will have exclusive jurisdiction.

13. Modifications to Terms

We may update these Terms to reflect changes in our Services, legal requirements, or business practices. We will post the updated Terms on our website with the revised effective date. If changes are material, we will notify you via email or a website notice (where required). Your continued use of our Services after such changes constitutes acceptance of the updated Terms.

14. Force Majeure

We will not be liable for delays or failure to perform Services due to events beyond our reasonable control, including but not limited to natural disasters, government actions, regulatory changes, or technical failures.

15. Miscellaneous

  • Entire Agreement: These Terms, together with any engagement agreement, constitute the entire agreement between you and Sam’O Consulting regarding the Services, superseding any prior agreements.
  • Severability: If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in effect.
  • No Waiver: Our failure to enforce any provision of these Terms does not constitute a waiver of that provision.
  • Assignment: You may not assign your rights or obligations under these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, or sale of assets.

16. Contact Us

If you have questions, concerns, or requests regarding these Terms or our Services, please contact us