Privacy Policy

1Information We Collect

We collect information necessary to provide effective rolling budget analysis and financial planning services. This includes both information you provide directly and data we gather through your use of our platform.

Automatic Data Collection

Our system automatically logs certain information when you access our platform, including session duration, pages visited, and actions taken. This helps us understand user behavior and improve our rolling budget tools.

2How We Use Your Information

Your information enables us to deliver personalized rolling budget insights and maintain the security of our financial planning platform. We use collected data for several specific purposes.

• Generate rolling budget forecasts and financial trend analysis based on your historical data
• Provide personalized recommendations for budget optimization and expense management
• Send important account notifications, security alerts, and service updates
• Improve our algorithms and develop new features for better financial planning tools
• Comply with financial regulations and legal requirements in Thailand
• Detect and prevent fraudulent activities or unauthorized access attempts
• Provide customer support and respond to your inquiries about our services

Data Processing Legal Basis

We process your personal data based on legitimate business interests, contractual necessity for service delivery, legal compliance requirements, and your explicit consent for specific marketing communications.

3Information Sharing and Disclosure

We maintain strict control over your financial information and only share data when necessary for service delivery or legal compliance. Your sensitive financial data is never sold or shared for marketing purposes.

Service Providers

We work with carefully selected third-party providers for cloud hosting, payment processing, and data analysis services. These partners are bound by confidentiality agreements and can only access data necessary for their specific functions.

Legal Requirements

We may disclose information when required by Thai law, court orders, or government regulations. This includes cooperation with financial authorities and compliance with anti-money laundering requirements.

Business Transfers

In the event of a merger, acquisition, or sale of our company, your information may be transferred as part of that transaction. You will be notified of any such changes through email and platform notifications.

4Data Security and Protection

We implement comprehensive security measures to protect your financial information from unauthorized access, alteration, disclosure, or destruction. Our security framework follows international banking standards.

• End-to-end encryption for all data transmission and storage using AES-256 encryption
• Multi-factor authentication requirements for account access and sensitive operations
• Regular security audits and penetration testing by independent cybersecurity firms
• Secure data centers with physical access controls and environmental monitoring
• Employee background checks and mandatory security training for all staff members
• Automated threat detection systems and real-time security monitoring
• Regular software updates and security patches applied to all systems

Data Backup and Recovery

We maintain secure, encrypted backups of your data in multiple geographic locations to ensure availability and prevent data loss. Recovery procedures are tested regularly to maintain reliability.

5Your Privacy Rights

As a user of our platform, you have significant control over your personal information and how it's used. We respect your privacy choices and provide easy ways to exercise these rights.

How to Exercise Your Rights

To exercise any of these rights, contact us through the information provided below. We will respond within 30 days and may require identity verification for security purposes. Some requests may take longer if they involve complex data retrieval or legal considerations.

6Data Retention and Deletion

We retain your personal information only as long as necessary to provide our services and comply with legal obligations. Different types of data have different retention periods based on their purpose and legal requirements.

Retention Periods

• Account information: Retained while your account is active plus 7 years after closure for legal compliance
• Financial transaction data: Stored for 5 years as required by Thai financial regulations
• Usage logs and analytics: Aggregated data retained for 2 years for service improvement
• Support communications: Maintained for 3 years for quality assurance and training
• Marketing consent records: Kept for 3 years after consent withdrawal for compliance documentation

Automated Deletion

Our systems automatically delete expired data according to these schedules. You can also request immediate deletion of specific information, though some data may need to be retained for legal compliance.

7International Data Transfers

While our primary operations are based in Thailand, some of our service providers may process data in other countries. We ensure appropriate safeguards are in place for any international data transfers.

When data is transferred outside Thailand, we use approved transfer mechanisms such as Standard Contractual Clauses and ensure that receiving countries provide adequate data protection. You will be informed of any significant changes to our data transfer practices.

Data Localization

Whenever possible, we store and process Thai user data within Thailand's borders to minimize international transfers and comply with local data residency preferences.

8Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our platform, remember your preferences, and analyze usage patterns. You have control over cookie settings through your browser.

• Essential cookies: Required for basic platform functionality and security features
• Preference cookies: Remember your settings and customization choices
• Analytics cookies: Help us understand how users interact with our rolling budget tools
• Performance cookies: Monitor system performance and identify technical issues

You can disable non-essential cookies through your browser settings, though this may limit some platform features. We do not use cookies for cross-site tracking or behavioral advertising.

9Updates to This Policy

We may update this privacy policy periodically to reflect changes in our practices, legal requirements, or service offerings. Material changes will be communicated through email notifications and prominent notices on our platform.

Continued use of our services after policy updates constitutes acceptance of the revised terms. We encourage you to review this policy regularly to stay informed about how we protect your information.

Version History

Previous versions of this policy are available upon request. We maintain records of all policy changes for transparency and compliance purposes.