Privacy Policy
Last Updated: January 15, 2025
At chatmsgnetweb, we respect your privacy. This isn't some throwaway statement—your personal information matters, and we're serious about protecting it. Operating in Thailand means we follow both local regulations and international standards because financial planning requires trust.
This policy explains what data we collect, why we need it, how we use it, and what rights you have. We've tried to keep the legal jargon minimal while still covering everything you need to know.
Questions about your data? Contact our privacy team at [email protected] or call +66 33 048 091
Information We Collect
We collect different types of information depending on how you interact with our services. Here's what that looks like in practice.
Information You Give Us Directly
When you sign up for courses, contact us, or use our economic planning tools, you share information with us. This includes:
- Your name, email address, and phone number
- Business or residential address in Thailand
- Financial goals and current economic situation (when using planning tools)
- Course preferences and learning history
- Payment information processed through secure third-party providers
- Messages you send through contact forms or support channels
Information We Collect Automatically
Like most websites, we gather some data automatically when you browse. This helps us improve your experience and fix technical issues. We collect:
- IP address and general location data
- Browser type, operating system, and device information
- Pages you visit and time spent on our site
- Referral sources and navigation patterns
- Technical performance data and error logs
About cookies: We use essential cookies to keep the site functional and optional analytics cookies to understand how people use our platform. You can adjust cookie preferences through your browser settings, though some features may not work properly if you disable essential cookies.
How We Use Your Information
We don't collect data for the sake of it. Everything we gather serves a specific purpose related to providing and improving our educational services.
| Purpose | Data Used |
|---|---|
| Delivering course content and learning materials | Account information, course enrollment data |
| Providing personalized economic planning guidance | Financial goals, current situation, preferences |
| Processing payments and maintaining records | Payment details, transaction history |
| Sending course updates and important notifications | Email address, enrollment status |
| Improving platform functionality and user experience | Usage patterns, technical performance data |
| Responding to inquiries and providing support | Contact information, message content |
| Complying with Thai legal requirements | Business records, financial documentation |
We don't sell your personal information to third parties. Period. We also don't use your data for advertising purposes beyond informing you about our own courses and services.
Data Sharing and Third Parties
Sometimes we need to share information with trusted partners to deliver our services effectively. Here's who might see your data and why.
Service Providers We Work With
These companies help us operate the platform but can only use your data for specific purposes we've authorized:
- Cloud hosting providers for storing course content and user data
- Payment processors for handling transactions securely
- Email service providers for course communications
- Analytics tools for understanding platform usage
- Customer support platforms for managing inquiries
Legal Requirements
We may disclose information when required by Thai law, court orders, or government requests. This might happen in cases involving fraud investigation, legal disputes, or regulatory compliance. We'll notify you about such requests unless prohibited by law.
Business Transfers
If chatmsgnetweb merges with another company or gets acquired, your information would transfer to the new entity. We'd notify you beforehand and explain how the change affects your data.
Your Privacy Rights
You're not powerless when it comes to your data. Thai privacy laws and our own policies give you several important rights.
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 Inaccuracies
If something we have on file is wrong, let us know. You can update most information directly through your account settings.
Delete Your Information
Ask us to remove your data from our systems. Some information may need to be retained for legal or accounting purposes.
Restrict Processing
Request that we limit how we use certain information while keeping it on file. Useful when contesting data accuracy.
Data Portability
Get your information in a machine-readable format that you can transfer to another service provider.
Withdraw Consent
Opt out of marketing communications or withdraw permission for optional data processing at any time.
How to exercise these rights: Email [email protected] with your request. We'll verify your identity and respond within 30 days. Most requests are free, though we may charge a reasonable fee for excessive or repetitive requests.
Data Security Measures
We take security seriously because financial education involves sensitive information. Our approach combines technical safeguards with careful operational practices.
- All data transmitted between your device and our servers uses industry-standard encryption protocols
- Personal information is stored on secure servers with restricted access controls
- Our team receives regular training on data protection and security best practices
- We conduct routine security audits and vulnerability assessments
- Payment information never passes through our servers—it goes directly to certified payment processors
- Access to personal data is limited to staff members who genuinely need it for their work
- We maintain backup systems to prevent data loss from technical failures
- Suspicious activities trigger automatic alerts for immediate investigation
No system is completely bulletproof, though. If a data breach occurs that affects your information, we'll notify you promptly and explain what happened, what data was involved, and what steps we're taking.
Data Retention and Deletion
We don't keep your information forever. Different types of data have different retention periods based on practical needs and legal requirements.
Active Account Data
Retained while your account remains active and for 12 months after your last login or course activity
Course Completion Records
Maintained for 7 years to provide proof of completion and support credential verification
Financial Transaction Data
Kept for 7 years as required by Thai accounting and tax regulations
Marketing Communications
Removed immediately when you unsubscribe, though transactional emails may continue for active courses
Support Correspondence
Retained for 3 years to maintain service quality and resolve ongoing issues
Technical Logs
Automatically deleted after 90 days unless needed for security investigations
When retention periods expire, we securely delete information through methods that prevent recovery. Some anonymized data may be retained indefinitely for statistical analysis, but it can't be linked back to you.
International Data Transfers
Our primary operations are in Thailand, but some service providers operate servers in other countries. This means your data might be processed outside Thailand.
When we transfer data internationally, we ensure adequate protection through:
- Contracts requiring service providers to meet Thai privacy standards
- Verification that receiving countries have adequate data protection laws
- Regular audits of international partners' security practices
- Encryption of data during transfer and storage
You can request details about where your specific data is stored and what safeguards apply by contacting our privacy team.
Children's Privacy
Our services target adults interested in economic planning and financial education. We don't knowingly collect information from anyone under 18 years old without parental consent.
If you're a parent and discover your child has provided us with personal information, contact us immediately. We'll delete the information promptly unless we're legally required to retain it.
For users aged 18-20, we may require additional verification or parental involvement for certain financial planning tools, depending on the sensitivity of the information involved.
Changes to This Policy
Privacy practices evolve as technology changes and regulations get updated. We review this policy annually and update it when needed.
When we make significant changes, we'll notify you through email and display a prominent notice on our website for at least 30 days. Minor updates might only be announced through the "Last Updated" date at the top of this page.
Continuing to use our services after changes take effect means you accept the updated policy. If you disagree with changes, you can close your account and request data deletion before the new policy becomes effective.
Compliance with Thai Laws
As a Thailand-based education provider, we comply with relevant Thai regulations including the Personal Data Protection Act (PDPA) and related financial services regulations.
This includes:
- Obtaining proper consent before collecting sensitive personal data
- Maintaining records in accordance with Thai accounting standards
- Reporting data breaches to authorities when required
- Providing Thai-language support for privacy inquiries
- Cooperating with the Personal Data Protection Committee when necessary
If you believe we've violated your privacy rights under Thai law, you can file a complaint with us first. If you're unsatisfied with our response, you have the right to lodge a complaint with Thailand's Personal Data Protection Committee.