Privacy Policy

1. Who We Are

thanetpad is a financial education organisation based at 186 Nimmanhaemin Road, Suthep, Mueang Chiang Mai, Chiang Mai 50200, Thailand. We offer structured courses for people 40 and older who wish to develop a more considered understanding of their personal finances. References to "we," "our," or "us" throughout this policy refer to thanetpad.

2. Information We Collect

2.1 Information You Provide

When you interact with us — through our website contact form, by email, by telephone, or during enrolment — we may collect:

• Your name and contact details (email address, telephone number)
• General information about your financial background when relevant to course enrolment suitability
• Your correspondence with us, including enquiries and feedback
• Payment information during the enrolment process (processed through our payment service provider; we do not store card details)

2.2 Information Collected Automatically

When you visit our website, certain information is collected automatically by our systems or third-party services:

• Technical data including your IP address, browser type, operating system, and device identifiers
• Usage data such as pages visited, time spent, and links followed
• Cookie data as described in our Cookie Policy

2.3 Sensitive Information

We do not seek to collect sensitive personal data (such as health records, political opinions, or biometric identifiers). Where a course — particularly the Integrated Wealth Stewardship Program — involves discussing healthcare funding or estate planning, any personal health or financial details you share are treated with strict confidentiality and used only in the context of your programme.

3. How We Use Your Information

We use personal information for the following purposes:

• Responding to enquiries — to answer questions you send through our contact form or by telephone
• Course administration — to process enrolment, coordinate sessions, distribute materials, and communicate updates relevant to your programme
• Programme delivery — to provide the educational content, faculty introductions, and follow-up support included in your course
• Website improvement — to understand how visitors use our website and to make it more useful, using anonymised analytics data
• Legal compliance — to fulfil obligations under Thai law and applicable regulations

We do not use your personal information for automated decision-making that has legal or similarly significant effects, nor do we use it for profiling or targeted advertising.

4. Legal Basis for Processing

We process personal information on the following legal grounds:

• Contract — processing is necessary to carry out our agreement with you when you enrol in a course
• Legitimate interests — where we have a genuine and proportionate reason to process your data, such as responding to enquiries or improving our website, provided this does not override your rights
• Consent — for optional communications such as programme updates or news, which you may withdraw at any time
• Legal obligation — where Thai law or regulation requires us to retain or disclose data

5. Sharing Your Information

We do not sell or rent your personal information. We share it only in the following limited circumstances:

• Faculty members — course participants' names and, where relevant, stated learning goals are shared with the relevant faculty member to facilitate personalised instruction
• Service providers — we engage third-party providers for email delivery, payment processing, and website analytics; each is bound by confidentiality obligations and may only use your data as directed by us
• Legal requirements — we may disclose information if required to do so by applicable law, court order, or to protect the legal rights or safety of thanetpad or others

6. Data Retention

We retain personal information only for as long as it is needed for the purposes described above. In practice, this means:

• Enquiry records are kept for up to 24 months from the date of the last communication
• Enrolment and programme records are retained for seven years after programme completion, in accordance with Thai accounting and tax requirements
• Website analytics data is anonymised or deleted within 26 months

When personal data is no longer required, it is securely deleted or anonymised.

7. Your Rights

Depending on applicable law, you may have the following rights in relation to your personal information:

To exercise any of these rights, please contact us by email at [email protected]. We will respond within 30 days. There is no charge for reasonable requests.

8. Security

We take reasonable technical and organisational measures to protect personal information against unauthorised access, alteration, disclosure, or destruction. These include encrypted data transmission, access controls, and regular review of our data handling practices.

No method of transmission over the internet is entirely secure. If you believe your personal data has been compromised, please contact us promptly at [email protected].

9. Third-Party Links

Our website may contain links to external sites — for example, links to Thai regulatory resources or professional associations. We are not responsible for the privacy practices of those sites and encourage you to review their privacy notices independently.

10. Children

Our courses and website are designed for adults aged 40 and older. We do not knowingly collect personal information from anyone under the age of 18. If you believe a minor has submitted information to us, please contact us and we will delete it promptly.

11. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will revise the date at the top of the page. For significant changes, we will take reasonable steps to notify course participants directly. Continued use of our website or services after a change constitutes your acknowledgment of the revised policy.

12. How to Reach Us

For any questions or requests relating to this policy or your personal information, please contact us:

You also have the right to lodge a complaint with the relevant supervisory authority in Thailand if you believe your data has been handled improperly.