Information We Collect

We collect information that helps us provide better budgeting services and support your long-term financial planning goals. Here's what we gather and why:

How We Use Your Information

Your information helps us create personalized budgeting experiences and improve our services. We're transparent about every way we use your data:

• Service Delivery: Provide budgeting tools, track your progress, and offer personalized recommendations
• Communication: Send important updates, educational content, and respond to your questions
• Improvement: Analyze usage patterns to enhance our platform and develop new features
• Security: Protect your account and prevent unauthorized access or fraudulent activity
• Compliance: Meet legal obligations under Thai data protection laws and international standards

Information Sharing and Disclosure

We believe in keeping your information private and secure. We only share your data in specific, limited circumstances:

Data Security and Protection

Protecting your financial information is our top priority. We use multiple layers of security to keep your data safe:

• Encryption: All data transmission uses SSL/TLS encryption, and sensitive data is encrypted at rest
• Access Controls: Only authorized staff can access your information, and access is logged and monitored
• Regular Audits: We conduct security assessments and update our protection measures regularly
• Secure Infrastructure: Our servers are hosted in secure facilities with enterprise-grade protection
• Incident Response: We have procedures to quickly address any security concerns and notify users if needed

Your Rights and Choices

You have significant control over your personal information. Here are the rights available to you under Thai privacy law:

Data Retention

We keep your information only as long as necessary to provide our services and meet legal requirements:

• Active Accounts: Personal and usage data retained while your account remains active
• Inactive Accounts: Data may be retained for up to 7 years after account closure for legal compliance
• Financial Records: Payment and transaction data kept according to Thai accounting and tax requirements
• Communication Records: Support conversations retained for 3 years for service improvement
• Marketing Data: Removed immediately upon unsubscribe or account deletion request

International Data Transfers

While our primary operations are based in Thailand, some of our service providers may process data internationally. When this happens:

• We ensure adequate protection through standard contractual clauses and privacy frameworks
• All international transfers comply with Thai Personal Data Protection Act requirements
• We regularly review and audit our international partners' security practices
• You can request information about specific countries where your data is processed

Cookies and Tracking

We use cookies and similar technologies to improve your experience and understand how our platform is used:

You can control cookie preferences through your browser settings, though disabling certain cookies may affect platform functionality.

Changes to This Policy

We may update this privacy policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes:

• We'll notify you by email at least 30 days before changes take effect
• We'll post a notice on our website highlighting key changes
• The updated policy will show a new effective date at the top
• Your continued use of our services constitutes acceptance of the updated policy