Terms of Use

1. Agreement to Terms

Welcome to Jam Kham (จำคำ), a service of Twin Palms Advisors Co., Ltd. These Terms of Use ("Terms") constitute a legally binding agreement between you and Twin Palms Advisors Co., Ltd., a company incorporated in Thailand with registered office at 52/9 หมู่ที่ 2 ต.วิชิต อ.เมืองภูเก็ต จ.ภูเก็ต 83000, Thailand ("Twin Palms," "Jam Kham," "we," "us," or "our"), governing your access to and use of the Jam Kham website, mobile application, and related services (collectively, the "Service").

Outside Thailand, paid access to the Read Thai and Speak Thai courses is sold through the Reseller named at checkout (Paddle, or Link, an affiliate of Stripe), which acts as our merchant of record. The merchant of record is the company that sells the course to you, charges your payment, collects any sales tax or VAT, issues your receipt and handles refunds. Each purchase is sold by one Reseller only: either Paddle or Link. Which one sells your purchase is decided at the time of purchase, and it is named on the checkout page and on your receipt. The other Reseller has no role in that purchase. When you buy, you enter into two related agreements: a purchase contract with the Reseller (governed by the Reseller Terms) and a licence to use the courses from Twin Palms Advisors Co., Ltd. under these Terms. If you purchase directly from Twin Palms within Thailand (paying in Thai baht), you buy the course from Twin Palms as merchant, and these Terms govern that purchase. See Section 9, including the definition of "Reseller" in Section 9.2, for details.

By accessing or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use the Service.

We use product analytics and pseudonymized session recording, both in the app after you sign in and on our public demo and sign-up pages before an account exists, as described in the Privacy Policy. We disable this analytics and session recording for users we detect as located in the EEA or the UK; for other users it is not a condition of accepting these Terms and you can opt out at any time.

2. Eligibility

You must be at least 13 years old to use the Service. If you are under 16 years old and reside in the EEA or the UK, you must have parental or guardian consent to use the Service.

By using the Service, you represent and warrant that you meet these age requirements and have the legal capacity to enter into these Terms.

The Service is operated from Thailand and is intended for users outside the European Economic Area (EEA) and the United Kingdom. It is not directed to, marketed to, or offered to residents of the EEA or the UK. By creating an account or using the Service, you represent and agree that you are located outside the EEA and the UK and that you will not access or use the Service from within the EEA or the UK. If we detect that you are located in the EEA or the UK, we disable product analytics and session recording for your use of the Service, as described in our Privacy Policy.

3. Description of Service

Jam Kham is a Thai language learning platform that provides:

• Vocabulary extraction from user-uploaded PDF documents using AI/LLM technology
• Spaced repetition flashcard training with multiple learning modes
• Audio pronunciation support for Thai vocabulary
• Progress tracking and learning analytics
• Tone training, classifier drills, and other Thai-specific learning features

We reserve the right to modify, suspend, or discontinue any aspect of the Service at any time without prior notice, except as set out in Section 9.4 for Lifetime purchases.

4. Beta Program

4.1 Beta Nature of Service

The Service is in active development. By using Jam Kham during the beta period, you acknowledge and accept that:

• The Service may contain bugs, errors, or incomplete features
• Features may be added, modified, or removed without prior notice
• Service availability may be interrupted for maintenance, updates, or technical issues
• Your feedback and usage data help us improve the Service for all users
• Data formats or structures may change, potentially affecting your learning history

4.2 Founding Member Pricing

Beta users who subscribe during the beta period receive "Founding Member" pricing:

• Founding member pricing is available only during the beta period
• Once subscribed at founding member rates, your pricing is locked in as long as your subscription remains active and in good standing
• If you cancel your subscription and later resubscribe, you will be subject to the then-current pricing, which may be higher
• Founding member status is tied to continuous subscription - lapses in payment or voluntary cancellation may forfeit this status

4.3 Beta Feedback

We encourage and appreciate your feedback during beta. By submitting feedback, suggestions, bug reports, or feature requests through our feedback mechanisms:

• You grant us a non-exclusive, royalty-free, perpetual license to use, modify, and implement your suggestions
• You acknowledge that we are under no obligation to implement any feedback
• You will not receive compensation for feedback that is implemented
• Your feedback may be shared internally for product development purposes

4.4 Transition from Beta to General Availability

When Jam Kham transitions from beta to general availability:

• Your account and learning progress will be preserved
• Founding member pricing continues for active subscriptions
• We will notify you of any material changes to the Service or these Terms at least 30 days in advance
• Some beta-specific features may be modified or discontinued

5. Account Registration

To access certain features of the Service, you must create an account. You may register using email and password or through social login providers (such as LINE). You agree to:

• Provide accurate, current, and complete registration information
• Maintain the security of your account credentials (password or linked social account)
• Accept responsibility for all activities that occur under your account
• Notify us immediately of any unauthorized access or security breach
• Use a valid, non-disposable email address for account communications

When using social login (e.g., LINE Login), your account is linked to your social provider account. You are responsible for the security of your social provider account.

We reserve the right to suspend or terminate accounts that use disposable email addresses, provide false information, or violate these Terms.

6. Acceptable Use

You may use the Service only for lawful purposes and personal language learning. You agree to use the Service in accordance with these Terms and all applicable laws and regulations.

7. Prohibited Uses

You agree NOT to:

• Use the Service for any commercial purpose without our prior written consent
• Access the Service through automated means (bots, scrapers, scripts) except as explicitly permitted
• Reverse engineer, decompile, or attempt to extract source code from the Service
• Interfere with or disrupt the Service or servers/networks connected to the Service
• Attempt to gain unauthorized access to any portion of the Service or other user accounts
• Use the Service to transmit viruses, malware, or other harmful code
• Impersonate any person or entity or falsely state your affiliation with any person or entity
• Collect or harvest personal information of other users
• Use the Service in any manner that could damage, disable, overburden, or impair our systems
• Share, resell, or redistribute content or features from the Service without permission

8. Prohibited Content

When uploading PDFs or other content to the Service, you agree NOT to upload material that:

• Infringes copyright, trademark, or other intellectual property rights of third parties
• Contains explicit sexual content, pornography, or adult material
• Promotes hate speech, discrimination, or violence against individuals or groups
• Contains political propaganda or campaign materials
• Includes personally identifiable information (PII) of other individuals without consent
• Contains malware, viruses, or other harmful code
• Violates any applicable law or regulation
• Is defamatory, libelous, or fraudulent

We reserve the right to review, remove, or refuse any content at our sole discretion without prior notice. Violation of this policy may result in immediate account termination.

9. Subscriptions and Payments

Jam Kham offers a free plan and paid access to its courses: Read Thai and Speak Thai. You can use the free plan indefinitely, or buy Read Thai as a recurring subscription or a one-time lifetime plan, and Speak Thai as a recurring six-month subscription.

9.1 Plans and Pricing

We offer the following plans. The current price for each plan is confirmed before you complete payment at checkout. You can also compare our plans on the pricing page.

The price, currency and any applicable taxes (such as VAT, GST or sales tax) are shown at checkout before you pay. Depending on your location, taxes may be included in the price or added to it, and the Reseller calculates, collects and remits them. For purchases made directly from Twin Palms within Thailand, Twin Palms is the merchant and handles any applicable Thai taxes. We may change prices as described in Section 9.5 below. The plans and features available for purchase may change over time.

9.2 Payment Processing and Merchant of Record

For sales outside Thailand, purchases of the Read Thai and Speak Thai courses are made through a merchant of record. Reseller means the company named at checkout as the seller of your purchase: Paddle (Paddle.com Inc. for buyers in the United States, Paddle.com (Canada) Ltd. for buyers in Canada, and Paddle.com Market Ltd. for buyers elsewhere), or Sold through Link, LLC (“Link”), an affiliate of Stripe. Reseller Terms means that company's buyer terms: Paddle's Buyer Terms and Refund Policy, or the Sold Through Link Terms.

You buy the courses from the Reseller, and Twin Palms Advisors Co., Ltd. licenses them to you under these Terms.

Each purchase is sold by one Reseller only: either Paddle or Link. Which one sells your purchase is decided at the time of purchase, and it is named on the checkout page and on your receipt. The other Reseller has no role in that purchase. Your checkout page and receipt name the company that sold your purchase; the matching subsection below applies to it.

If Paddle is the Reseller

Our order process is conducted by our online reseller Paddle.com. Paddle.com is the Merchant of Record for all our orders. Paddle provides all customer service inquiries and handles returns.

• Your purchase is governed by Paddle's Buyer Terms and Paddle's Refund Policy, and Paddle handles your payment data under its Privacy Policy.
• To view your receipt, manage or cancel a subscription, or request a refund, use the link in the email Paddle sends you after purchase, or look up your order at paddle.net.
• Card payments appear on your statement as “PADDLE.NET*” followed by a shortened business name. PayPal payments appear as “PAYPAL *PADDLE.NET”.

If Link is the Reseller

Our order process is conducted by our online reseller Sold through Link, LLC (“Link”), an affiliate of Stripe. Link is the Merchant of Record for all orders it processes. Link provides customer service for those orders and handles refunds and returns through Link support. Checkout and your receipt show these orders as “Sold through Link”, and Link sends your receipts and invoices.

• Your purchase is governed by the Sold Through Link Terms, which form part of Link’s consumer terms; the Stripe company you contract with under them depends on where you live (see Link’s contracting-entity page). Link handles your payment data under the Link Privacy Policy.
• To view your orders or manage or cancel a subscription, sign in to your Link account at link.com, or use your Subscription page in Jam Kham. To request a refund or get help with a payment, contact Link support at support.link.com/topics/sold-through-link.
• Card payments appear on your statement as “LINK.COM*” followed by a shortened business name.

For orders, payments, receipts, cancellations and refunds, contact the Reseller named on your receipt: Paddle at paddle.net, or Link at support.link.com/topics/sold-through-link. For help using the courses, contact us at support@jamkham.com.

For these sales outside Thailand, Twin Palms Advisors Co., Ltd. supplies the courses to its authorised reseller, Tembusu Ventures LLC (a Delaware limited liability company, USA), which resells them through the Reseller acting as merchant of record. This reseller chain does not change your relationship with the Reseller for your purchase, or your licence to use the courses from Twin Palms under these Terms.

If you purchase directly from Twin Palms within Thailand and pay in Thai baht, Twin Palms is the seller and merchant for that purchase; the Reseller and Tembusu are not involved, and the merchant-of-record arrangement described above does not apply.

Your purchase is subject to the Reseller Terms in addition to these Terms: Paddle's Buyer Terms and Paddle's Refund Policy, or the Sold Through Link Terms. By completing checkout, you authorize the Reseller to charge your payment method for the amounts and on the schedule shown at checkout. The Reseller is responsible for billing, payment, taxes, refunds, and chargebacks, and for these purchases Twin Palms does not collect or store your payment card details.

9.3 Recurring Subscriptions and Automatic Renewal

The Read Thai Monthly and Annual plans and the Speak Thai six-month plan are recurring subscriptions that automatically renew. You are charged at the start of each billing period (each month, each year, or every six months, depending on the plan you choose), and your subscription will automatically renew at the end of each period at the then-current price until you cancel. The applicable price and billing frequency are shown before you confirm your purchase.

Cancellation: Because the Reseller is the merchant of record for your subscription, you cancel a recurring subscription through the Reseller's billing portal. For Paddle, that is Paddle's buyer portal at paddle.net (you can reach it using the receipt or management link Paddle emails you after purchase). For Link, use Cancel Subscription on your Subscription page, or the Manage billing link in your account, which opens the Stripe billing portal. Cancellation stops future renewals; to avoid being charged for the next period, cancel before your renewal date. Cancellation takes effect at the end of your current billing period, and you retain access until then.

9.4 One-Time (Lifetime) Purchases

The Read Thai Lifetime plan is a single, one-time payment — it is not a subscription and does not automatically renew or recur. "Lifetime" means access for as long as we continue to offer the Read Thai course; it does not guarantee that the Service, or any specific feature, will be available indefinitely. We may modify or discontinue features of the Service over time, subject to the disclaimers and limitations in Sections 12 and 13.

If we stop offering the Read Thai course: we will give Lifetime purchasers at least 90 days' notice by email before access ends. If you bought a Lifetime plan in the 3 months before that notice, you may request a full refund of it at any time before access ends.

The 14-day refund period described in Section 9.5 runs from the date of your Lifetime payment. Any statutory withdrawal or "cooling-off" rights for the Lifetime purchase (for example, the 14-day right available to consumers in the EEA, the UK, and Switzerland) are administered by the Reseller under the Reseller Terms. Refunds for the Lifetime plan are handled as described in Section 9.5.

9.5 Refunds and Price Changes

14-day refund period: Unless required by applicable law, all transactions are non-refundable and non-exchangeable, except as follows. For purchases made outside Thailand through the Reseller, you may request a refund within 14 days of your transaction date; requests are submitted to the Reseller and reviewed on a case-by-case basis under the Reseller Terms. On a Monthly, Annual or six-month plan, the period runs from your first payment; we do not separately offer it on renewal payments, except where the Reseller Terms or the law of your country provide otherwise. To avoid a renewal charge, cancel before your renewal date as described in Section 9.3. Approved refunds are processed by the Reseller using the same payment method where possible, and within 14 days of approval. Once a refund is issued, your paid access to the course ends. Full details are in our Refund Policy.

Immediate access: The Read Thai and Speak Thai courses are digital content that we make available to you immediately on purchase, so at checkout you expressly request immediate supply of the course. Any effect that has on a statutory cooling-off or withdrawal right is determined by the Reseller Terms and by the law of your country, and is not affected by anything in these Terms.

Refunds: Because the Reseller is the merchant of record, refunds and statutory withdrawal rights are handled by the Reseller under the Reseller Terms. Outside the 14-day refund period, transactions are non-refundable and non-exchangeable unless a refund is required by applicable law or granted by the Reseller under the Reseller Terms. Country-specific rules may also apply (for example, consumers in the EEA, UK, and Switzerland have a 14-day statutory right to withdraw from some digital content and service contracts and receive a full refund); which rules apply to you, and for how long, is set out in the Reseller Terms and determined by the law of your country. For a technical or product defect, please contact us first at support@jamkham.com so we can try to resolve it; if we cannot, the Reseller may issue a refund. Beyond the 14-day refund period, we do not separately refund partial or unused subscription periods except as the Reseller Terms and applicable law require.

Direct purchases within Thailand: The cancellation, cooling-off, and refund processes described in this Section 9 (including Sections 9.3, 9.4, and 9.5) apply to purchases made through the Reseller. If you purchase directly from Twin Palms within Thailand (paying in Thai baht), the Reseller is not involved; Twin Palms handles cancellation, any statutory cooling-off rights, and refunds directly under applicable Thai law. To cancel or request a refund on such a purchase, contact us at support@jamkham.com.

Price Changes: We may change subscription prices with at least 30 days' notice to existing subscribers. Any price change takes effect on your next renewal after the notice period; if you do not agree, you may cancel before the change takes effect.

10. Account Suspension and Termination

We reserve the right to suspend or terminate your account and access to the Service at any time, with or without notice, for:

• Violation of these Terms
• Uploading prohibited content
• Engaging in fraudulent or illegal activity
• Multiple failed login attempts or suspicious account activity
• Non-payment of subscription fees
• Any conduct that we deem harmful to the Service or other users

No Refunds for Violations: If your account is terminated for violation of these Terms, you will not receive a refund for any unused subscription period, except to the extent a refund is required by applicable law or by the Reseller Terms. This does not limit your mandatory consumer rights.

You may terminate your account at any time by contacting us or using the account deletion feature in your account settings.

11. Intellectual Property Rights

Our Content: The Service, including all software, text, graphics, logos, audio, and user interface, is owned by Twin Palms Advisors Co., Ltd. and protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, or create derivative works without our written permission.

Your Content: You retain ownership of content you upload to the Service (PDFs, personal notes, etc.). You grant us a worldwide, non-exclusive, royalty-free license to host, store, process, reproduce, and display your content as needed to provide the Service to you.

Use of Derived Excerpts, Outputs, and Usage Data to Improve the Service: You also grant us the right to use short text excerpts derived from your content (such as individual extracted vocabulary items and brief example phrases), the outputs generated for you, and aggregated data about how you use the Service, to operate, develop, and improve our products and to develop, train, and improve our own models, algorithms, and learning systems. We do not train our models on your raw uploaded documents, and we do not use the data of users located in the EEA or the UK for this purpose, as described in our Privacy Policy. Where this information identifies you, we use it in de-identified or aggregated form, and you may have rights to object as set out in the Privacy Policy. This right survives termination with respect to de-identified and aggregated data already derived.

LLM-Generated Content: Vocabulary extractions and other content generated by our AI/LLM systems are provided to you for your personal use. You are responsible for ensuring your uploaded PDFs do not infringe third-party copyrights.

12. Disclaimers

In these Terms, the "Jam Kham Parties" means Twin Palms Advisors Co., Ltd., Tembusu Ventures LLC, their affiliates, and their respective officers, directors, employees, and agents.

No Guarantee of Learning Outcomes: While we design our Service based on research-backed pedagogical principles, we make no guarantee that you will achieve specific language learning outcomes or fluency levels.

LLM/AI Accuracy: Our Service uses AI/LLM technology to extract vocabulary from PDFs. While we strive for accuracy, AI-generated content may contain errors, omissions, or inaccuracies. You should independently verify vocabulary definitions and translations.

Service Availability: We do not guarantee that the Service will be uninterrupted, timely, secure, or error-free. We may experience downtime for maintenance, updates, or technical issues.

Third-Party Content: We are not responsible for the accuracy, legality, or appropriateness of content you upload or content provided by third-party services.

13. Limitation of Liability

This includes, but is not limited to:

• Loss of profits, data, use, or goodwill
• Service interruptions or downtime
• Errors or inaccuracies in AI-generated content
• Unauthorized access to your account or content
• Any conduct or content of third parties

Maximum Liability: In no event shall the total liability of the Jam Kham Parties, taken together, to you for all damages exceed the greater of (a) the total amount you paid for the Service in the 12 months before the event giving rise to the claim (or, for a Lifetime plan, the price you paid for it), and (b) USD 100.

Nothing in these Terms excludes or limits the liability of any Jam Kham Party where it would be unlawful to do so, including liability that cannot be excluded under mandatory consumer-protection law in your country of residence. These disclaimers and limitations apply only to the extent permitted by applicable law and are without prejudice to the purchase rights you have against the Reseller.

14. Indemnification

To the extent permitted by applicable law, you agree to indemnify, defend, and hold harmless the Jam Kham Parties from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or relating to:

• Your use of the Service
• Your violation of these Terms
• Content you upload to the Service
• Your violation of any rights of third parties, including copyright infringement

15. Third-Party Services

Our Service integrates with and relies on third-party services, including:

• LINE Corporation: Social login authentication (LINE Login)
• Google: Social login authentication (when enabled) and Text-to-Speech for audio pronunciation
• Paddle: Reseller and merchant of record for purchases outside Thailand when shown at checkout (payment processing, tax, billing and refunds)
• Sold through Link, LLC (Stripe affiliate): Reseller and merchant of record for purchases outside Thailand when shown at checkout (billing, tax and refunds)
• Stripe: Payment processing for purchases sold through Link
• Tembusu Ventures LLC: Authorised reseller for sales outside Thailand, reselling through the Reseller as merchant of record, and provider of hosting, support, and marketing services
• OpenAI/Anthropic: AI/LLM services for vocabulary extraction
• Maileroo: Email delivery service
• Cloudflare Turnstile: CAPTCHA and bot protection

Your use of these third-party services is subject to their respective terms of service and privacy policies. We are not responsible for the practices or performance of these third-party services.

16. Modifications to Terms

We reserve the right to modify these Terms at any time. We will provide notice of material changes by:

• Posting the updated Terms on our website
• Sending an email to your registered email address
• Displaying a prominent notice within the Service

Material changes will take effect 30 days after notice is provided. Your continued use of the Service after the effective date constitutes acceptance of the modified Terms.

If you do not agree to the modified Terms, you must stop using the Service and may cancel your subscription.

17. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the Kingdom of Thailand, without regard to conflict of law principles, subject to the consumer carve-out below.

Consumer rights carve-out: If you are a consumer, nothing in this Section deprives you of the protection of the mandatory consumer-protection laws of your country of residence, and you may be entitled to bring proceedings in the courts of that country. Your purchase contract with the Reseller is governed by its own terms, which likewise preserve your mandatory consumer rights.

Arbitration: Any dispute between you and any Jam Kham Party arising out of or relating to these Terms or the Service that is not subject to mandatory local consumer law shall be finally resolved by binding arbitration administered by the Thailand Arbitration Center (THAC) under its Arbitration Rules in force when the arbitration starts. The seat of arbitration is Bangkok, Thailand, there will be a single arbitrator, and the arbitration will be conducted in English. This applies except that (a) either party may seek injunctive relief in court for intellectual property violations, and (b) consumers retain any non-waivable right to bring or participate in proceedings in their local courts.

18. General

Entire Agreement: These Terms, together with the Privacy Policy and the Reseller Terms for your purchase, constitute the entire agreement between you and Twin Palms regarding the Service and supersede any prior agreements on that subject.

Severability: If any provision of these Terms is held to be invalid or unenforceable, that provision will be limited or removed to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

No Waiver: Our failure to enforce any right or provision of these Terms will not be deemed a waiver of that right or provision. Any waiver must be in writing to be effective.

Assignment: You may not assign or transfer these Terms, or any rights or obligations under them, without our prior written consent. We may assign these Terms, in whole or in part, including to an affiliate or in connection with a merger, acquisition, reorganization, or sale of assets. These Terms bind and benefit the parties and their permitted successors and assigns.

Force Majeure: We are not liable for any failure or delay in performance caused by events beyond our reasonable control, including acts of God, natural disasters, war, terrorism, civil unrest, labor disputes, government action, internet or power outages, or failures of third-party services or suppliers.

Third-Party Beneficiaries: Tembusu Ventures LLC and the other Jam Kham Parties may rely on and enforce Sections 12, 13, 14 and 17 as if they were parties to these Terms. No other person has any right to enforce these Terms.

Relationship of the Parties: Nothing in these Terms creates any partnership, joint venture, agency, or employment relationship between you and Twin Palms.

19. Contact Information

If you have questions about these Terms or the Service, please contact us:

For questions about a payment, invoice, or refund, you can also contact the Reseller: Paddle via paddle.net, or Link via its purchase help page (support.link.com/topics/sold-through-link).