Privacy Policy

1. Introduction

ratanapathesa ("we," "us," or "our") is committed to protecting the privacy of individuals who use our services, visit our website, or interact with our business. This policy explains how we collect, use, store, and protect your personal data. It applies to all personal information gathered through our website at https://ratanapathesa.top, through our contact forms, and during the course of delivering our financial education programmes.

If you have questions about this policy, please contact us at [email protected].

2. Data We Collect

We may collect the following categories of personal information:

Information you provide directly: Your name, email address, phone number, and any message content you submit through our contact form or provide during programme enrollment.

Information collected automatically: When you visit our website, we may collect technical data such as your IP address, browser type, device information, pages visited, and time spent on the site through the use of cookies and similar technologies.

Programme-related information: During one-on-one advisory sessions, you may choose to share financial details relevant to the programme. This information is handled with strict confidentiality as described below.

3. How We Use Your Data

We use personal data for the following purposes:

To respond to your enquiries submitted via our contact form. To enroll you in programmes and deliver our financial education services. To communicate with you about programme schedules, materials, and follow-up information. To improve our website and services based on usage patterns. To comply with legal obligations under Thai law.

We process your data based on your explicit consent (for example, when you submit a contact form) or where processing is necessary for performing a contract (for example, delivering a programme you have enrolled in).

4. Data Sharing

We do not sell, rent, or trade your personal information to third parties. We may share limited data with trusted service providers who assist us in operating our website or conducting our business, but only to the extent necessary for those purposes. These may include website hosting providers and analytics services such as Google Analytics.

Any financial details shared during one-on-one sessions are kept strictly confidential and are never shared with any third party, including banks, advisors, or other clients.

5. Data Protection

We implement appropriate technical and organisational measures to protect your personal data against unauthorised access, alteration, disclosure, or destruction. These include secure data storage, access controls limited to authorised personnel, and regular review of our data handling practices.

6. Data Retention

We retain your personal data only for as long as necessary to fulfil the purposes described in this policy. Contact form submissions are retained for up to 12 months. Programme records are retained for up to 3 years after the completion of a programme to allow for follow-up enquiries. Financial details shared during advisory sessions are retained only for the duration of the engagement plus 6 months, after which they are securely deleted.

7. Cookies

Our website uses cookies to enhance your browsing experience and to help us understand how visitors use the site. For detailed information about the types of cookies we use and how to manage them, please see our Cookie Policy.

8. Your Rights

Under Thailand's Personal Data Protection Act (PDPA), you have the right to:

Access the personal data we hold about you. Request correction of inaccurate or incomplete data. Request deletion of your personal data, subject to legal obligations. Withdraw your consent to data processing at any time. Request a copy of your data in a portable format. Object to certain types of data processing. Lodge a complaint with the relevant supervisory authority if you believe your data rights have been violated.

To exercise any of these rights, please contact us at [email protected] or by phone at +66 74 352 816. We will respond to your request within 30 days.

9. Third-Party Links

Our website may contain links to external websites. We are not responsible for the privacy practices or content of those sites. We encourage you to read the privacy policies of any third-party websites you visit.

10. Children's Privacy

Our services are designed for adults aged 40 and above. We do not knowingly collect personal data from individuals under the age of 18. If we become aware that we have collected data from a minor, we will take steps to delete it promptly.

11. Changes to This Policy

We may update this privacy policy from time to time to reflect changes in our practices or for legal or regulatory reasons. When we make changes, we will update the "Last Updated" date at the top of this page. We encourage you to review this policy periodically.

12. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us:

ratanapathesa
19/8 Phetkasem Road, Hat Yai, Songkhla 90110, Thailand
Email: [email protected]
Phone: +66 74 352 816