Refunds
Deposits, cancellations, and refunds.
These rules apply to household budgeting and cash-flow planning sittings booked with Ponder Quarry Financial Planning. They were last revised in September 2026. The website does not take payment. Deposits and balances are paid to the practice by bank transfer in Thai baht after a fee is confirmed in writing.
The deposit
A date is held by a deposit of 30 percent of the agreed fee. On the 18,500 THB Household Cash-Flow Plan, that deposit is 5,550 THB. The remainder is due at the first sitting. A savings goal sitting, an annual review, or a debt map follows the same 30 percent rule on its own confirmed fee.
If you cancel
Cancel five or more days before the first sitting and the deposit is refunded in full. Cancel two to four days before and half the deposit is refunded. Cancel inside 48 hours of the first sitting, or miss the sitting without notice, and the deposit is retained to cover the room that was held.
If you need another day
You may move a sitting once, without an extra fee, when you give at least two days’ notice and the practice has another open hour. A second move of the same engagement carries a room-holding fee of 500 THB. The new date is agreed in writing.
Work already started
On the Household Cash-Flow Plan, the written draft begins after the second sitting. From that point the first two sittings are treated as delivered. Their share of the fee is kept. Sittings that have not yet happened are refunded, after applying the deposit rule to the unused portion. An annual review, a debt map, or a savings goal sitting is a single meeting: if it has begun, the sitting fee for that meeting is kept.
Printed pages
The printed copy of a plan is part of the sitting fee, not a separate good. Once that copy has been handed to the household, the practice does not refund a portion of the fee in exchange for the paper. Unused sittings are still handled as above.
If the practice cancels
If Ponder Quarry cancels a sitting and cannot offer another hour you can accept within fourteen days, every amount you have paid toward that sitting is refunded in full.
How a refund is paid
Ask for a refund by email at info@ponderquarry.click or by telephone at 073511842, and include the name on the booking and the date of the sitting. Approved refunds are paid by transfer to a Thai bank account in the name of the person who paid. The practice sends the transfer within fourteen working days of receiving the account details.
No-shows
A household that does not arrive and has not given notice is recorded as a no-show. The deposit is retained. If the balance was already paid for a single sitting that did not take place, the balance is refunded and the deposit is retained. A later date can be requested as a new booking.