Information We Collect

When you use our services, we gather different types of information. Some you provide directly, and some we collect automatically as you interact with our platform.

Information You Provide to Us

• Account Information: Your name, email address, phone number, and password when you register for our budget psychology services.
• Financial Information: Budget data, spending patterns, and financial goals you share with us to receive personalized insights.
• Communication Data: Messages you send us through our contact forms, email, or customer support channels.
• Survey Responses: Feedback you provide about your experience with our services.
• Payment Information: Billing details processed through our secure payment partners (we don't store complete credit card numbers).

Information Collected Automatically

• Usage Data: How you navigate our site, which features you use, and how long you spend on different sections.
• Device Information: Your IP address, browser type, operating system, and device identifiers.
• Cookies and Similar Technologies: Small files stored on your device to remember your preferences and improve your experience.
• Location Data: General geographic location based on your IP address to provide relevant content and comply with local regulations.

How We Use Your Information

We're not in the business of selling your data. Everything we collect serves specific purposes related to providing and improving our budget psychology services.

• Service Delivery: To provide personalized budget analysis, spending insights, and psychological guidance tailored to your financial situation.
• Account Management: To create and maintain your account, process payments, and handle customer support requests.
• Communication: To send you service updates, educational content about budget psychology, and respond to your inquiries.
• Platform Improvement: To understand how people use our services and identify areas where we can do better.
• Security and Fraud Prevention: To protect your account and our platform from unauthorized access and suspicious activity.
• Legal Compliance: To meet our obligations under Thai law and relevant international regulations.
• Research and Development: To develop new features and improve our understanding of budget psychology patterns (always in aggregated, anonymized form).

Data Sharing and Third Parties

We work with carefully selected partners to deliver our services. Here's who might see your information and why:

Service Providers

We partner with companies that help us run our platform. These include:

• Cloud Hosting Services: Store your data securely on servers located in jurisdictions with strong data protection laws.
• Payment Processors: Handle subscription payments and refunds securely.
• Email Service Providers: Send you account notifications and educational content.
• Analytics Tools: Help us understand how our platform performs and where we can improve.
• Customer Support Software: Manage and respond to your support requests efficiently.

Legal Requirements

We may disclose your information if required by Thai law, court order, or government request. We'll notify you when legally permitted to do so.

Business Transfers

If chaton-posthub is acquired or merges with another company, your information may be transferred to the new entity. You'll receive notice before this happens.

With Your Consent

We may share information for purposes not covered here, but only after getting your explicit permission.

Your Rights and Choices

You have significant control over your personal information. Here's what you can do:

Access Your Data

Request a copy of all personal information we hold about you. We'll provide this in a readable format within 30 days.

Correct Inaccurate Information

Update your account details anytime through your dashboard or by contacting our support team.

Delete Your Account

You can request complete account deletion. We'll remove your personal data within 90 days, except where we're legally required to retain certain information.

Restrict Processing

Ask us to limit how we use your information in specific circumstances, such as while you contest the accuracy of your data.

Data Portability

Request your data in a machine-readable format to transfer to another service provider.

Opt Out of Communications

Unsubscribe from marketing emails using the link in any message or through your account settings. You'll still receive essential service notifications.

Data Security Measures

We take security seriously. Your financial and personal information is protected through multiple layers of security:

• Encryption: All data transmitted between your device and our servers uses TLS encryption. Sensitive data is also encrypted at rest.
• Access Controls: Only authorized team members can access personal data, and only when necessary for their job functions.
• Regular Security Audits: We conduct quarterly reviews of our security practices and systems.
• Secure Infrastructure: Our servers are hosted in facilities with physical security measures and redundant backup systems.
• Staff Training: Everyone on our team receives regular training on data protection and security best practices.
• Incident Response Plan: We have procedures in place to detect, respond to, and notify you of any security breaches.

That said, no system is completely secure. While we use industry-standard protections, we can't guarantee absolute security. You play a role too by keeping your password confidential and logging out when using shared devices.

Data Retention and Storage

We keep your information only as long as needed for the purposes outlined in this policy.

When retention periods expire, we securely delete or anonymize your information. Some data may be kept longer if required by Thai accounting and tax regulations.

International Data Transfers

Our primary operations are in Thailand, but some of our service providers operate from other countries. This means your information might be processed outside Thailand.

When we transfer data internationally, we ensure appropriate safeguards are in place:

• Standard contractual clauses approved by relevant authorities
• Certification under recognized data protection frameworks
• Agreements requiring equivalent protection standards
• Regular audits of partner compliance with data protection obligations

We only work with partners who demonstrate strong data protection practices and comply with applicable international standards.

Cookies and Tracking Technologies

We use cookies and similar technologies to make our platform work properly and understand how you use it. Here's a breakdown:

Essential Cookies

These are necessary for the platform to function. They handle things like keeping you logged in and remembering your preferences. You can't opt out of these without affecting functionality.

Analytics Cookies

Help us understand which features are most useful and where people encounter problems. This data is aggregated and doesn't identify individual users.

Preference Cookies

Remember your settings and choices to provide a personalized experience on return visits.

You can control cookies through your browser settings. Keep in mind that blocking certain cookies may affect how well our platform works for you.

Children's Privacy

Our services are designed for adults managing their personal finances. We don't knowingly collect information from anyone under 18 years old.

If you're a parent and believe your child has provided us with personal information, contact us immediately. We'll delete it promptly.

Changes to This Policy

We update this policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email or through a prominent notice on our platform at least 30 days before the changes take effect.

The "Last Updated" date at the top shows when we last revised this policy. Continued use of our services after changes take effect means you accept the updated policy.

Thailand-Specific Provisions

As a company operating in Thailand, we comply with the Personal Data Protection Act (PDPA) and related regulations.

You have rights under Thai law including the right to:

• Access your personal data and request a copy
• Object to processing based on legitimate interests
• Request restriction of processing in certain circumstances
• Have inaccurate data corrected or incomplete data completed
• Request erasure when data is no longer necessary
• Withdraw consent where processing is based on consent
• Lodge a complaint with the Personal Data Protection Committee

For questions about Thai data protection regulations or to exercise your rights, contact our Data Protection Officer using the details below.