Refund & cancellation policy

Last updated: 7 October 2026 · Proposed terms pending business confirmation

Applicability

This policy applies to paid individual consultations and planning engagements booked with Lumen Financial Planning Co., Ltd. (บริษัท Lumen Financial Planning จำกัด), Tax ID 0105504637375, after you accept a written fee proposal.

Cancellation by you

• More than 48 hours before a scheduled working session: full refund of any prepaid fee, or free rescheduling once.
• Within 48 hours: 50% of the quoted session fee may be retained to cover reserved calendar time.
• No-show without notice: fee is non-refundable; we may offer one goodwill reschedule at our discretion.

Cancellation by us

If we must cancel (illness, facility issue), you receive a full refund or priority rescheduling at no extra charge.

After work has started

Once the working session begins or a written plan is delivered, fees are non-refundable because professional time and analysis cannot be returned. If factual errors in our deliverable are identified within 14 days, we will correct the document at no charge.

Deposits

When a deposit is requested to hold dates, it is applied to the final invoice. Deposits follow the same cancellation windows above.

How to request a refund

Email info@api-lumen.digital with your name, session date, and payment reference. Phone follow-up: +66-2-235-7419. We respond within 5 business days and process approved refunds to the original payment method within 14 business days (proposed timeline).

Consumer rights

Nothing here limits mandatory rights under Thailand’s Consumer Protection Act where they apply to your transaction.