Privacy Policy
Effective Date: January 15, 2025 | Last Updated: January 2025
At TechIntellectWave, we handle your personal information with care. This isn't just about following rules. It's about building trust with people who use our financial forecasting and budgeting services.
We operate in Thailand, which means we follow both local regulations and international standards. This policy explains what we collect, why we collect it, and what you can do about it.
Information We Collect
Running a financial platform means we need certain information to make things work. Some of it you give us directly. Other bits we gather as you use our services.
Information You Provide
When you sign up or use our budgeting tools, you share things like your name, email address, and phone number. If you're setting up financial forecasts, we'll need details about your income, expenses, and financial goals.
Payment information goes through secure processors. We don't store your full credit card numbers on our servers.
Automatically Collected Data
Our systems log technical information when you visit our site. IP addresses, browser types, device identifiers. This helps us keep things running smoothly and spot problems before they affect everyone.
We use cookies and similar tracking technologies. Most of them are necessary for basic functionality. Others help us understand which features people actually use.
| Data Type | Purpose | Retention Period |
|---|---|---|
| Account Information | Service delivery and authentication | Duration of account plus 3 years |
| Financial Data | Forecasting and budget analysis | 5 years from last activity |
| Technical Logs | Security and performance monitoring | 90 days rolling window |
| Communication Records | Support and service improvement | 2 years from interaction |
How We Use Your Information
Everything we collect serves a purpose. We're not in the business of hoarding data for its own sake.
- Service Delivery: Your financial data powers our forecasting algorithms. Without it, we can't generate the budget projections you're here for.
- Communication: We send updates about your account, changes to our services, and occasionally educational content about financial planning. You control what you receive.
- Improvement: Aggregated, anonymized usage patterns tell us which features work and which don't. This guides our development priorities.
- Security: We monitor for suspicious activity. Unusual login patterns or potential fraud triggers our security protocols.
- Legal Compliance: Sometimes Thai financial regulations require us to maintain certain records or report specific transactions.
Data Sharing and Third Parties
We don't sell your information. That's a hard line for us. But we do work with other companies to deliver our services.
Service Providers We Work With
Cloud hosting companies store our data. Payment processors handle transactions. Email services deliver your notifications. Analytics tools help us understand user behavior.
Each partner signs agreements limiting how they can use your information. They process data on our behalf, not for their own purposes.
Thai banking institutions sometimes need access when you connect external accounts for budget tracking. These integrations use secure APIs with strict access controls.
Legal requests from Thai authorities get reviewed by our legal team. We push back on overly broad requests and notify users when possible under local law.
Your Rights Under Thai Law
Thailand's Personal Data Protection Act gives you meaningful control over your information. Here's what that looks like in practice.
- Access Rights: Request a copy of everything we have about you. We'll deliver it within 30 days in a readable format.
- Correction Rights: Spot an error? Tell us and we'll fix it. This matters especially for financial data where accuracy is critical.
- Deletion Rights: Ask us to delete your account and associated data. Some information stays longer due to legal requirements, but we'll delete everything we can.
- Portability Rights: Take your data to another service. We export it in common formats like CSV or JSON.
- Objection Rights: Disagree with how we process your data? Object to specific uses. We'll stop unless we have compelling legal grounds to continue.
- Restriction Rights: Limit processing while we resolve disputes or verify information accuracy.
How to Exercise These Rights
Email us at [email protected] with your request. Include enough detail for us to verify your identity and understand what you need.
We respond within 30 days. Complex requests might take longer, but we'll let you know if that's the case.
Security Measures
Financial data demands serious protection. We've built multiple layers of security into our systems.
All data transmits over encrypted connections. Our databases use encryption at rest. Access controls limit which employees can see what information, and every access gets logged.
Regular Security Practices
Quarterly security audits check for vulnerabilities. Penetration testing happens twice a year. Our team trains regularly on data protection best practices.
Backup systems run automatically. They're encrypted and stored separately from production data. If something goes wrong, we can restore information quickly.
But no system is perfect. If we discover a breach affecting your data, you'll hear from us within 72 hours. We'll explain what happened, what information was involved, and what steps we're taking.
Data Retention and Deletion
We keep information only as long as necessary. Different data types have different lifecycles based on legal requirements and practical needs.
Active account data stays while you're using our service. After account closure, we maintain financial records for five years to comply with Thai accounting regulations. Technical logs get purged after 90 days.
Want everything gone sooner? Request immediate deletion. We'll remove what we legally can and provide a timeline for the rest.
International Data Transfers
Our primary servers sit in Thailand, but some service providers operate from other countries. When your data crosses borders, we ensure adequate protection through contractual safeguards.
Cloud infrastructure might process data in Singapore or other Southeast Asian locations. These transfers use standard contractual clauses approved by Thai authorities.
Children's Privacy
Our services target adults managing personal or business finances. We don't knowingly collect information from anyone under 18.
If you're a parent who discovers your child has created an account, contact us immediately. We'll delete the information promptly.
Changes to This Policy
Privacy practices evolve as our services grow and regulations change. When we update this policy, the revision date at the top changes.
Significant changes trigger email notifications to active users. Minor clarifications or formatting updates don't require notification, but you can always check back here for the current version.
Cookies and Tracking Technologies
Our website uses several types of cookies. Essential ones keep you logged in and remember your preferences. Analytics cookies help us understand usage patterns. Marketing cookies track campaign effectiveness.
You can control cookie settings through your browser. Blocking all cookies will affect site functionality, but you'll still access basic features.
Questions or Concerns?
Privacy shouldn't feel mysterious or complicated. If something in this policy confuses you, or if you have concerns about how we handle your information, reach out. We'd rather answer questions proactively than deal with problems later.
You also have the right to file a complaint with Thailand's Personal Data Protection Committee if you believe we've mishandled your information. We hope it doesn't come to that, but the option exists.
Contact Our Privacy Team
Email: [email protected]
Phone: +66 2 855 0381
Address: 222/18 Soi 29, Prasoet Manukij Road, Lat Phrao, Bangkok 10230, Thailand
Response time: Within 2 business days for initial acknowledgment, 30 days for complete resolution