Privacy Policy

Information We Collect

We gather different types of information depending on how you interact with our platform. Some data you provide directly, while other information gets collected automatically as you use our services.

Personal Information You Provide

When you create an account or use our budgeting tools, we collect:

• Name and email address for account creation
• Phone number for account security and notifications
• Household income and expense data you enter into budgeting tools
• Financial goals and savings targets you set
• Payment information when subscribing to premium features
• Communication preferences and feedback you share with us

Automatically Collected Data

Our systems collect technical information to improve service quality:

• Device information including browser type and operating system
• IP address and general location data (city level, not precise GPS)
• Pages you visit and features you use within our platform
• Time spent on different sections of the application
• Cookies and similar tracking technologies (see our Cookie section below)

How We Use Your Information

Your data serves specific purposes that directly support our family budgeting services. We don't use your information for unrelated business activities.

We analyze aggregate usage patterns to understand which features help families most. This helps us prioritize development efforts. For example, if many users struggle with a particular budgeting category, we might add more guidance there.

Data Sharing and Third Parties

We keep your financial information private. However, certain trusted partners help us deliver our services.

Service Providers We Work With

• Payment processors – Handle subscription billing securely (we never store full credit card numbers)
• Cloud hosting services – Store encrypted data on secure servers
• Email delivery services – Send account notifications and updates
• Analytics providers – Help us understand platform usage patterns (using anonymized data)
• Customer support tools – Manage support tickets and inquiries

When We Must Disclose Information

We only share your data with authorities when legally required:

• Court orders or legal processes we're obligated to follow
• Investigations by Thai regulatory authorities
• Situations involving suspected fraud or illegal activity
• Emergency circumstances where disclosure might prevent harm

Your Rights Under Thailand PDPA

Thai law gives you significant control over your personal data. Here's what you can do and how to exercise these rights with us.

Access and Portability

You can request a copy of all personal data we hold about you. We'll provide it in a structured, commonly used format within 30 days. This includes your budget entries, account settings, and any communications with our support team.

Correction and Updates

Found something incorrect in your profile or financial data? You can update most information directly in your account settings. For data you cannot edit yourself, contact us at help@intellectsparkapi.com and we'll make corrections within 15 business days.

Deletion Requests

You can ask us to delete your account and associated data. We'll remove everything except information we're legally required to retain for tax or regulatory purposes. This process takes up to 45 days to complete thoroughly across all systems.

Object to Processing

You can object to certain uses of your data, particularly for marketing communications. However, we need some data processing to provide the core budgeting service – without it, we cannot maintain your account.

Withdraw Consent

Where we rely on your consent for specific processing activities, you can withdraw that consent anytime. This won't affect the lawfulness of processing before withdrawal.

How to Exercise Your Rights

Send requests to help@intellectsparkapi.com with "Privacy Rights Request" in the subject line. Include your full name and account email. We'll verify your identity before processing any request – this protects your data from unauthorized access.

Data Security Measures

Protecting your financial information is our top priority. We implement multiple security layers to prevent unauthorized access.

Technical Safeguards

• All data transmitted between your device and our servers uses TLS 1.3 encryption
• Financial data stored in databases is encrypted using AES-256 encryption
• Access to production systems requires multi-factor authentication
• Regular security audits and penetration testing by third-party experts
• Automated monitoring for suspicious activity patterns
• Secure backup systems with encrypted off-site storage

Organizational Security

Only essential team members can access user data, and only when necessary for their specific job functions. All employees sign confidentiality agreements and receive regular security training. We maintain detailed access logs to track who views what information.

Data Retention Periods

We don't keep your data indefinitely. Different types of information have different retention schedules based on legal requirements and business needs.

After retention periods expire, we securely delete or anonymize data so it cannot be recovered or linked back to you.

Cookies and Tracking Technologies

Our platform uses cookies to remember your preferences and improve your experience. You control whether to accept these.

Types of Cookies We Use

• Essential cookies – Required for login and basic platform functionality. You cannot opt out of these.
• Preference cookies – Remember your settings like currency format and notification preferences.
• Analytics cookies – Help us understand which features get used most frequently.
• Security cookies – Detect unusual account activity and prevent unauthorized access.

You can manage cookie preferences in your account settings or through your browser. Disabling non-essential cookies won't prevent you from using core budgeting features, though some convenience functions might not work.

Children's Privacy

Our services are designed for adults managing family finances. We do not knowingly collect information from anyone under 18 years old. If you're under 18, please have a parent or guardian create and manage the account.

If we discover we've inadvertently collected data from a minor, we'll delete it immediately. Parents who believe their child's information was collected can contact us for prompt removal.

International Data Transfers

Your data is primarily stored on servers located in Thailand. However, some service providers we work with may process data in other countries. When this happens, we ensure adequate protections are in place.

For transfers outside Thailand, we use standard contractual clauses approved by Thai authorities and verify that recipient countries provide adequate data protection standards. You can request details about specific transfers by contacting our privacy team.

Changes to This Policy

We update this policy occasionally to reflect new features, legal requirements, or improved practices. When we make significant changes, we'll notify you via email at least 30 days before they take effect.

The "Last Updated" date at the top shows when the most recent changes were made. Continuing to use our services after changes become effective means you accept the updated policy. If you disagree with changes, you can close your account before they take effect.

Complaints and Regulatory Contact

If you're unhappy with how we handle your data, please contact us first so we can address your concerns. Most issues get resolved quickly through direct communication.

If you remain unsatisfied, 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 website or their Bangkok office.