Website terms and conditions

The website operator (“Company”) is บริษัท ทุนทองมาวิน จำกัด, company registration 0105555137558, operating under the Money OK brand. Contact the Company through the phone numbers, online channels or branch addresses listed on the Contact page.

These terms cover www.moneyok.co.th, including the brand guide at www.moneyok.co.th/brand, and Company sites linking to these terms, together with branch advertising pages, content, tools and contact links. They do not replace an external platform’s terms.

Website terms do not replace a pawn ticket, a branch contract or a pawnbroker’s statutory duties. Matters concerning pledged property, principal, interest, deadlines or redemption are governed by the applicable transaction documents and law, not by website liability exclusions.

The update date appears above. These terms apply to use from publication, not retrospectively to existing transactions.

Permission to use this website is subject to these terms. If you do not agree, stop using the website. You may still contact a branch by phone or in person to ask questions or exercise legal rights. Website access does not establish transaction eligibility or approval. When acting for someone else, you must have appropriate authority or permission and must not impersonate another person.

Use the website in good faith for lawful purposes. Additional conditions may be presented before a particular service, with separate agreement requested where necessary. Simply browsing is not marketing consent or automatic acceptance of every contractual clause. Whether a term is binding depends on its presentation, agreement and applicable law.

Service descriptions, example amounts, interest information, articles, illustrations and general tool outputs help explain services and preparation. They do not guarantee acceptance of every item, approval of an amount or identical conditions in every case. Check the conditions, dates and exceptions accompanying a particular offer.

Archive photographs of unredeemed items are not a live stock list; network-wide quantities are not per-branch quantities. Confirm the actual piece, condition, documents, price, viewing location and sales terms with staff. This website does not accept online orders, reservations, payments or instalment applications. “Instalments available” is not individual approval: confirm provider, eligibility, deposit, payment schedule, interest, fees, total payable and collection timing before agreeing. Re-pawning requires a fresh appraisal and confirmation of conditions; it is not a buyback or a guarantee of an amount equal to the purchase price.

For gold purchase payments, customers first pay the difference between the purchase price and pawn amount. Gold stays at the shop and is collected after full payment. The pawn-financed portion uses the standard monthly rates of 2% on the first THB 2,000 and 1.25% on the excess, a five-month ticket and no other fees; principal reductions are available. This is neither early delivery nor interest-free buying. Any reduced-rate promotion follows its actual published rates and conditions. Check the purchase price, pawn amount, initial difference, rate, dates and transaction terms before agreeing.

Clicking, messaging, requesting directions or receiving an automated acknowledgement does not by itself create a reservation, pawn transaction, interest extension or changed deadline. This does not invalidate a clear, legally binding agreement or assurance made by an authorised person, including through electronic communications.

An assessment from photographs or messages is preliminary. The final amount and acceptance depend on physical inspection, including type, condition, authenticity, weight, accessories and relevant evidence. The Company need not follow a preliminary estimate if the actual facts differ, and will explain material differences before a decision is made.

Provide accurate information, do not conceal material facts, and have the necessary legal rights concerning the item offered. A branch may seek evidence, investigate or decline a transaction on lawful grounds, such as inability to verify identity or rights in the item. This does not reduce the branch’s legal obligations to customers.

Third-party gold prices are market references for the stated time and units, not Money OK pawn valuations. Source data may be delayed, unavailable or incorrect. Check its source, timestamp, purity and weight units before use.

Interest, gold-weight and due-date calculations are planning aids based on your entries, not account statements, ticket-status checks or confirmed payment amounts. Estimates are not warranted to cover every ticket’s particular conditions.

Confirm amounts and important dates with the issuing branch before payment or action. A tool does not renew a ticket, and website or tool outages do not automatically change ticket deadlines. Rights arising under law or a branch agreement remain unaffected.

Use the contact page or branch details on this website and check the account name before messaging. Unauthorised accounts, websites or persons using similar names are not endorsed. If unsure, call the branch number shown on the website.

Do not send passwords, OTPs or payment-card details, or unnecessary identity documents in your first message. This website has no online payment facility. Verify with the branch before acting on a request to transfer money allegedly as part of a website process.

Branch opening hours are not a guarantee of an immediate chat response. Delivery or read indicators and automated replies do not confirm acceptance of your request. Call the branch for urgent or time-sensitive matters, without prejudice to legal rules governing electronic message dispatch and receipt.

Protected trademarks, logos, designs, photographs, illustrations, text and software belong to the Company or relevant rights holders. Visiting the site transfers no ownership and grants no right to use a mark to imply agency or endorsement by Money OK.

You may read, print or retain information reasonably necessary for personal use and branch enquiries, without materially altering it or removing rights notices. Selling protected work, commercial republication, cloning the site or misleading use of marks requires written permission unless permitted by law.

This does not prohibit sharing links, lawful quotation, or appropriate discovery and attributed summaries by search engines and automated systems. It grants no permission for bulk copying of protected work or circumvention of access restrictions.

When sending photographs or information through contact channels, you should have the right to provide it and must not infringe others’ rights or disclose their information without a lawful basis. Irrelevant, unlawful or unsafe material may not be considered.

You retain your rights in your work. Submission grants only the permission reasonably needed to receive, assess and respond to your enquiry and coordinate with the relevant branch. It is not an ownership transfer or automatic permission to advertise using customer images. Collection, use, disclosure and deletion of personal data are governed by the privacy notice and law, not by treating this content permission as a substitute legal basis.

Do not use the website or linked contact facilities to:

• Commit fraud, impersonate the Company or another person, use forged documents or obtain benefits through false information.
• Send malware, spam, threats or excessive requests that disrupt systems or customer service.
• Attempt unauthorised access to customer, staff or restricted system data, conduct unauthorised penetration tests or bypass access controls.
• Alter statements, prices or links to mislead others into believing they are Company-approved.
• Infringe intellectual property, privacy or applicable law.

Good-faith complaints, lawful opinions and responsible security reports without unnecessary access or disclosure are not misuse merely because they are unfavourable to the Company. Report a vulnerability through our contact channels without publishing personal data or testing in ways that damage systems.

Links to LINE, Facebook Messenger, Instagram, maps, reference sites and gold-price sources are provided for convenience. These providers operate their own systems and terms. The Company does not control all aspects of their operation, availability or data processing.

The Company does not endorse every statement on a linked site or assume a provider’s responsibility for failures or conduct outside the Company’s control, to the extent permitted by law. This does not exclude responsibility for the Company’s own conduct where the law imposes liability.

Third-party summaries, reviews and republished information may be incomplete or outdated. Mentioning Money OK does not make them Company confirmations. Check the original information or contact a branch before relying on them.

Images labelled as illustrations or simulations explain services; they are not evidence of actual Money OK staff, customers, premises or pledged property. Example items do not establish stock for sale or guaranteed acceptance in every condition.

Thai and English are provided for convenience. Ask for clarification before a transaction if their meaning differs. Thai is the primary text to the extent permitted by law. This does not remove rights arising from representations made by the Company or override legal rules of contractual interpretation.

The Company may update, correct, suspend or discontinue website features for maintenance, security, legal compliance or reasonable operational grounds, giving advance or prompt notice where appropriate and practicable. Continuous availability, error-free operation or compatibility with every device and browser is not guaranteed.

Incorrect information may be corrected and clarified. Editing a page does not create a right to cancel an existing binding agreement, retrospectively alter a pawn ticket or unlawfully shift responsibility for the Company’s error to a customer. Use a branch phone number if website contact is unavailable.

Free website information and tools are provided as available, without additional assurance that they suit every user’s particular purpose, beyond express assurances and duties imposed by law.

To the extent lawful and fair and reasonable in the circumstances, the Company excludes indirect or consequential losses, such as lost profits or business opportunities from use or unavailability of the site, for which it is not legally required to be responsible. Liability must be assessed by reference to cause, causation, actual loss and applicable duties, subject to the exceptions below.

These limits do not cover fraud, intentional wrongdoing, gross negligence, non-excludable liability for death, bodily injury or harm to health, consumer rights, personal-data rights or any other liability that cannot lawfully be limited. They do not reduce obligations concerning pledged property or branch contracts.

If your fraud, deliberate misuse or rights infringement causes Company losses or a third-party claim, the Company reserves the right to recover proven actual losses and necessary, reasonable expenses, including legal costs to the extent allowed by law or a court. Recovery must be connected to your conduct and degree of responsibility.

This creates no automatic payment obligation merely because a complaint is made, does not cover the Company’s own fault, and does not require reimbursement without evidence. The Company will provide appropriate notice and details, allow a response or challenge, and take reasonable mitigation steps. A settlement with someone else will not impose liability on you beyond law or an agreement you accept.

Where there are reasonable grounds to suspect unlawful use, breach of a binding term or a security risk, the Company may apply necessary and proportionate rate limits, connection restrictions or refusal of relevant requests, and pursue lawful protective or compensatory remedies.

Restricted website access does not remove redemption, ticket-enquiry, complaint or statutory rights. Branches remain contactable by phone or in person. Disclosure to authorities or others requires a lawful basis and appropriate scope; these terms are not blanket permission to disclose all information.

To the extent permitted by law, the Company is not responsible for website delay or failure caused by events beyond reasonable control that appropriate care could not prevent, such as disasters, public-network failures or orders of competent authorities. Each event must be assessed on its facts; not every outage is force majeure.

The Company will take reasonable steps to mitigate effects and restore service. This does not exclude non-excludable Company fault or automatically alter rights or duties under a pawn ticket.

Read the combined privacy and PDPA policy, cookies policy and CCTV and audio notice for data use and rights-request channels. Acknowledging or accepting website terms is not permission to collect, use or disclose personal data for every purpose.

Where processing requires consent, appropriate consent must be sought separately from unnecessary conditions. Withdrawal and data-rights requests are considered under applicable law and the processing basis; the liability and recovery clauses in these terms must not be used to obstruct those rights.

Report incorrect information, technical issues, impersonation or complaints to the Company or relevant branch with the page URL, date, time and a useful description. Retain relevant evidence and avoid unnecessary sensitive information.

Address correspondence or requests to บริษัท ทุนทองมาวิน จำกัด and use the relevant branch details on the Contact page to reach the responsible person. General messages may need referral. Accounts created by third parties are not endorsed as Company contact channels. This does not deny dispatch or receipt recognised by law.

Contacting the Company is not a mandatory prerequisite to approaching authorities or courts, and does not automatically suspend limitation periods or legal deadlines. These website terms impose no shortened complaint deadline.

The Company may update these terms for service, legal or security changes, clearly identifying the update date and giving appropriate notice of material changes. Changes apply prospectively as permitted by law, not as unilateral retrospective amendments to accrued rights, tickets or existing contracts.

Where express agreement or consent is required, an appropriate process will be provided. Returning to read the website is not automatic acceptance of every change. Retain the version relevant to your use; information about previous versions may be requested through our contact channels.

Thai law governs these terms. Disputes may be brought before a court with jurisdiction under applicable law, without requiring consumers to give up legally available channels or jurisdictional rights. These terms impose no mandatory arbitration in place of courts.

An invalid, non-binding or partly enforceable term has effect only to the extent permitted by law and the court. Other provisions remain effective where separable and lawful. Failure to exercise a right on one occasion is not a permanent waiver.

Website use creates no agency, partnership or employment relationship. Assignment of Company rights or duties must comply with law and must not unlawfully diminish your rights. Nothing in these terms removes a right or excludes a duty that the law does not allow to be removed or excluded.