What 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:

How We Get Your Information

Most of the time, you give it to us directly—when you fill out forms, sign up for programs, or email us questions. Sometimes we collect it automatically through cookies and analytics tools as you browse our site.

We don't buy data from third-party brokers, and we don't collect information from social media profiles unless you specifically connect your account to our services.

How We Use Your Information

We're pretty straightforward about this. Your information helps us run our business and serve you better:

• Delivering Services: We use your financial data to create personalized budget reviews and provide relevant educational content. That's the core of what we do.
• Communication: We'll send you program updates, respond to your questions, and share useful financial tips. You can opt out of marketing emails anytime.
• Improving Our Platform: Usage data shows us what's working and what needs fixing. We analyze trends to make better courses and tools.
• Security and Fraud Prevention: We monitor for suspicious activity to keep your account safe and protect our community.
• Legal Compliance: Sometimes we're required by law to collect or retain certain information, especially for financial services in Thailand.

We don't sell your personal information to advertisers or data brokers. Never have, never will. When we do share data, it's only with service providers who help us run our platform—and they're bound by strict confidentiality agreements.

Legal Basis for Processing (Thailand PDPA)

Under Thai law, we need a legitimate reason to process your personal data. Here's what applies to us:

• Consent: When you sign up for our services, you're giving us permission to use your information as described here.
• Contract Performance: We need your data to fulfill our service agreements with you—can't provide budget reviews without budget information.
• Legal Obligations: Thai financial regulations require us to maintain certain records and verify user identities in some cases.
• Legitimate Interests: We process some data to improve our services and protect against fraud, as long as it doesn't override your privacy rights.

Who We Share Your Data With

We keep your information close to the vest, but we do work with some trusted partners:

Service Providers

We use cloud hosting services, email platforms, and payment processors. These companies only access the data they need to do their job, and they're contractually obligated to protect it.

Legal Requirements

If Thai authorities or courts require us to disclose information, we'll comply with valid legal requests. We'll notify you when possible, unless prohibited by law.

Business Transfers

If BeginXFuture merges with another company or gets acquired, your data would transfer to the new owners. We'd notify you beforehand and ensure the same privacy protections apply.

We don't share your information with marketing partners, social media platforms, or data analytics companies for their own purposes.

Data Storage and Security

Your information lives on secure servers located in Thailand and Singapore. We use industry-standard encryption both when data travels over the internet and when it's stored on our systems.

Our team follows strict security protocols:

• Multi-factor authentication for all staff accounts
• Regular security audits and vulnerability testing
• Encrypted backups stored in separate locations
• Limited access policies—employees only see data they need for their work
• 24/7 monitoring for suspicious activity

That said, no system is completely bulletproof. We take every reasonable precaution, but we can't guarantee absolute security. If we detect a data breach that affects you, we'll notify you within 72 hours as required by Thai law.

How Long We Keep Your Data

We don't hold onto your information longer than necessary. Here's our general approach:

When retention periods expire, we securely delete or anonymize your data so it can't be traced back to you.

How to Exercise Your Rights

If you want to access, correct, or delete your information, just email us at [email protected]. We'll respond within 30 days as required by Thai law.

When you contact us, please include:

• Your full name and email address associated with your account
• Clear description of what you're requesting
• Any relevant dates or specific information involved

We might ask you to verify your identity before processing requests—standard security practice to prevent unauthorized access to your account.

If You're Not Satisfied

We'll do our best to address any concerns. But if you're unhappy with our response, you have the right to file a complaint with Thailand's Personal Data Protection Committee. You can reach them through the Ministry of Digital Economy and Society.

International Data Transfers

Most of your data stays within Thailand. However, some of our service providers operate servers in other countries, including Singapore and the European Union.

When we transfer data internationally, we ensure adequate protections through:

• Standard contractual clauses approved by Thai authorities
• Transfers to countries with equivalent data protection laws
• Additional security measures like encryption and access controls

We don't transfer data to countries without adequate privacy protections unless absolutely necessary and with your explicit consent.

Cookies and Tracking Technologies

Like most websites, we use cookies—small text files stored on your device that help our site work properly and remember your preferences.

Types of Cookies We Use

• Essential Cookies: Required for basic site functionality like logging in and accessing secure areas
• Performance Cookies: Help us understand how visitors use our site so we can improve it
• Functionality Cookies: Remember your preferences and settings

We don't use advertising cookies or share data with ad networks. You can control cookies through your browser settings, but disabling essential cookies might affect site functionality.

Children's Privacy

Our services are designed for adults managing their finances. We don't knowingly collect information from anyone under 20 years old (Thailand's age of majority).

If you're a parent and believe your child has provided us with personal information, contact us immediately and we'll delete it from our systems.

Changes to This Policy

We update this privacy policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email and post a notice on our website.

The "Last Updated" date at the top shows when we last revised this policy. We encourage you to review it periodically, especially before sharing sensitive financial information.