Terms & Conditions

1. Introduction and Acceptance

These Terms and Conditions ("Terms") govern the legal services relationship between Credivex ("Firm," "we," "our," or "us") and clients who engage our services ("Client," "you," or "your"). By engaging our legal services, submitting an inquiry through our website, or otherwise entering into an agreement with us, you acknowledge that you have read, understood, and agree to be bound by these Terms.

These Terms supplement any specific engagement letter or service agreement executed between the Firm and Client. In the event of any conflict between these general Terms and a specific engagement agreement, the engagement agreement shall prevail to the extent of the conflict.

2. Definitions

• "Services" means the legal services provided by Credivex, including banking and finance law advice, transaction documentation, regulatory guidance, and related professional services.
• "Engagement" means the formal arrangement under which the Firm provides Services to a Client, typically documented through an engagement letter.
• "Confidential Information" means all information disclosed by either party that is designated as confidential or that reasonably should be understood to be confidential.
• "Professional Standards" means the ethical rules and professional conduct standards established by the Lawyers Council of Thailand.

3. Scope of Services

3.1 Service Description

The Firm provides specialized legal services in banking and finance law, including loan documentation, regulatory advisory, structured finance, and related areas. The specific scope of Services for each matter will be defined in the engagement letter or service agreement.

3.2 Limitations on Scope

Unless expressly agreed in writing, our Services do not include:

• Tax, accounting, or financial planning advice
• Advice regarding laws of jurisdictions other than Thailand, unless specifically agreed
• Continuous monitoring of legal or regulatory developments beyond the specific engagement period
• Representation in litigation or dispute resolution unless specifically engaged for such purpose

3.3 Professional Judgment

The Firm will exercise professional judgment and apply its expertise in providing Services. However, legal advice often involves interpretation of complex regulations and assessment of risks. Our advice represents our professional opinion based on the information available and applicable law at the time provided.

4. Client Responsibilities

4.1 Information Provision

Clients must provide complete, accurate, and timely information necessary for the Firm to provide Services. This includes financial documents, corporate records, transaction details, and other relevant materials. The quality of our advice depends significantly on the completeness and accuracy of information provided.

4.2 Decision-Making Authority

Clients retain ultimate decision-making authority regarding matters under our engagement. We provide legal advice and recommendations, but decisions regarding transaction structure, risk acceptance, and other business matters rest with the Client.

4.3 Timely Communication

Clients agree to respond promptly to requests for information, approvals, and decisions to enable timely completion of Services. Delays in Client response may affect the Firm's ability to meet deadlines or provide timely advice.

4.4 Compliance with Law

Clients represent that they will use our Services in compliance with applicable laws and regulations. We cannot and will not provide assistance for illegal activities or transactions that violate applicable law.

5. Fees and Payment

5.1 Fee Arrangements

Fees for Services may be structured as fixed fees, hourly rates, or other arrangements as specified in the engagement letter. All fee arrangements will be discussed and agreed upon before commencement of Services.

5.2 Invoicing and Payment Terms

Invoices will be issued according to the schedule specified in the engagement letter. Payment is due within thirty (30) days of invoice date unless otherwise agreed. Late payments may be subject to interest charges at the rate permitted under Thai law.

5.3 Expenses

In addition to professional fees, Clients are responsible for reasonable expenses incurred in connection with Services, including government filing fees, registration costs, courier services, and other necessary disbursements. Significant expenses will be discussed with the Client before being incurred when practicable.

5.4 Currency

All fees and expenses are quoted and payable in Thai Baht (THB) unless otherwise specified in the engagement letter.

6. Confidentiality

6.1 Attorney-Client Privilege

Communications between the Firm and Client for the purpose of obtaining legal advice are protected by attorney-client privilege under Thai law. We will maintain the confidentiality of all such privileged communications.

6.2 Professional Confidentiality Obligations

The Firm is bound by professional confidentiality obligations under the Lawyers Council of Thailand rules. We will not disclose Client information except as permitted by law, required by regulation, or authorized by the Client.

6.3 Exceptions to Confidentiality

Confidentiality obligations do not apply to information that: (a) is or becomes publicly available through no breach by the Firm; (b) must be disclosed pursuant to court order, legal process, or regulatory requirement; (c) is necessary to disclose to prevent crime or fraud; or (d) the Client authorizes us to disclose.

7. Conflicts of Interest

7.1 Conflict Checks

Before accepting an engagement, we conduct conflict checks to identify potential conflicts with existing or former clients. We cannot represent a client if doing so would create a conflict of interest prohibited by Professional Standards.

7.2 Future Conflicts

Acceptance of an engagement does not preclude the Firm from representing other clients in unrelated matters, even if those clients may be adverse to you in other contexts, provided such representation does not violate Professional Standards.

7.3 Disclosure

If a conflict or potential conflict arises during the engagement, we will promptly disclose it to affected clients and take appropriate action, which may include withdrawal from representation if required by Professional Standards.

8. Limitation of Liability

8.1 Professional Liability

The Firm's liability for any claim arising from Services provided shall be limited to the fees paid for the specific matter giving rise to the claim, except in cases of gross negligence or willful misconduct.

8.2 Exclusion of Consequential Damages

To the maximum extent permitted by law, the Firm shall not be liable for any indirect, incidental, consequential, special, or punitive damages, including loss of profits, business opportunities, or goodwill, even if advised of the possibility of such damages.

8.3 Time Limitation for Claims

Any claim against the Firm must be commenced within two (2) years from the date the Client knew or should have known of the basis for the claim, regardless of the general statute of limitations that might otherwise apply.

9. Intellectual Property

9.1 Ownership of Work Product

Documents and advice prepared specifically for a Client in connection with an engagement belong to the Client upon payment of all fees and expenses. However, the Firm retains ownership of general legal research, forms, precedents, and work product not specifically prepared for the Client.

9.2 License to Use Forms and Precedents

The Firm grants Clients a limited license to use documents prepared for their specific engagement. This license does not extend to using our forms, precedents, or methodologies for other purposes or sharing them with third parties.

10. Termination

10.1 Termination by Client

Clients may terminate the engagement at any time by providing written notice. Upon termination, the Client remains responsible for fees and expenses incurred up to the date of termination.

10.2 Termination by Firm

The Firm may withdraw from representation if: (a) the Client fails to pay fees when due; (b) the Client fails to cooperate or provide necessary information; (c) continuation would violate Professional Standards; or (d) other good cause exists. We will provide reasonable notice when practicable.

10.3 Effect of Termination

Upon termination, the Firm will deliver to the Client all documents and property belonging to the Client, subject to payment of outstanding fees and expenses. We may retain copies for our records as permitted by Professional Standards.

11. Dispute Resolution

11.1 Governing Law

These Terms and any engagement shall be governed by and construed in accordance with the laws of Thailand.

11.2 Jurisdiction

The courts of Bangkok, Thailand shall have exclusive jurisdiction over any dispute arising from or relating to these Terms or any engagement.

11.3 Alternative Dispute Resolution

Before initiating litigation, parties agree to attempt to resolve disputes through good faith negotiation. If negotiation fails, parties may agree to submit disputes to mediation or arbitration.

12. Indemnification

Client agrees to indemnify and hold harmless the Firm, its partners, associates, and employees from any claims, damages, or expenses (including reasonable attorneys' fees) arising from: (a) Client's breach of these Terms; (b) Client's misuse of Services or advice provided; (c) Client's failure to disclose material information; or (d) claims by third parties related to the engagement, except to the extent caused by the Firm's negligence or willful misconduct.

13. General Provisions

13.1 Entire Agreement

These Terms, together with any engagement letter, constitute the entire agreement between the parties regarding Services and supersede all prior agreements, understandings, and communications.

13.2 Amendments

These Terms may be amended only by written agreement signed by authorized representatives of both parties. We may update these general Terms from time to time by posting revised Terms on our website.

13.3 Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

13.4 Waiver

Failure to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision. Any waiver must be in writing and signed by the party granting the waiver.

13.5 Assignment

Clients may not assign their rights or obligations under these Terms without the Firm's prior written consent. The Firm may assign these Terms in connection with a merger, sale of practice, or similar transaction.

13.6 Notices

All notices required under these Terms shall be in writing and delivered by email, courier, or registered mail to the addresses specified in the engagement letter or as otherwise provided by a party.

14. Contact Information

For questions regarding these Terms or to discuss engagement of our Services, please contact us: