Privacy Policy

1. Introduction

Thara Capital ("we", "us", "our") is committed to handling personal information with care and transparency. This Privacy Policy explains what personal information we collect, why we collect it, how we use it, and what rights you have in relation to it.

This policy applies to all visitors to our website at tharacapa.biz and to all individuals who enquire about or register for our programmes. It is governed by the Personal Data Protection Act B.E. 2562 (2019) of Thailand ("PDPA").

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

2. Who We Are

Thara Capital is a financial education organisation based at 198 Krungkasem Road, Pomprap, Bangkok 10100, Thailand. We are the data controller for personal information collected through our website and programme registration processes.

3. What Personal Information We Collect

We collect personal information in the following ways:

• Through our enquiry form: name, email address, telephone number, and any message you choose to submit.
• Through programme registration: name, email address, telephone number, and payment details (processed securely by our payment provider; we do not store card details).
• Through our website: technical information such as IP address, browser type, and pages visited, collected via cookies and analytics tools where you have consented to their use.

We do not collect sensitive personal data (such as health information, financial account details, or identification documents) unless you provide it voluntarily in a message to us.

4. Legal Basis for Processing

We process your personal information on the following legal bases under the PDPA:

• Consent: where you have given clear consent, such as for optional cookies.
• Contract: where processing is necessary to fulfil a programme registration or respond to an enquiry you have initiated.
• Legitimate interests: where we have a legitimate business interest, such as improving our website or sending relevant programme information to people who have registered with us, provided this does not override your rights.

5. How We Use Your Information

• To respond to enquiries sent through our contact form.
• To confirm and administer your programme registration.
• To send you information about upcoming programme cycles if you have registered with us and not opted out.
• To improve our website and understand how it is used.
• To comply with legal obligations.

We do not use your personal information for automated decision-making or profiling.

6. Data Sharing

We do not sell your personal information to third parties. We may share information with:

• Service providers: such as our website hosting provider and email service, who process data on our behalf under data processing agreements.
• Analytics providers: such as Google Analytics, where you have consented to analytics cookies.
• Payment processors: for programme fee collection, under their own privacy policies.
• Legal authorities: where required by Thai law or court order.

7. Data Retention

We retain personal information for as long as necessary for the purpose for which it was collected:

• Enquiry form submissions: up to 12 months from submission, unless you register for a programme.
• Programme registration records: up to 5 years, for financial and administrative purposes.
• Analytics data: as configured in the analytics platform (typically 26 months).

After the retention period, data is securely deleted.

8. Cookies

Our website uses cookies. Essential cookies are necessary for basic site functionality and are always active. Optional cookies (analytics, marketing, preference) are used only with your consent. For full details, please see our Cookie Policy.

9. Your Rights Under the PDPA

Under the Personal Data Protection Act B.E. 2562 (Thailand), you have the following rights:

• Right of access: to request a copy of the personal information we hold about you.
• Right of rectification: to request correction of inaccurate information.
• Right of erasure: to request deletion of your data, subject to legal retention requirements.
• Right to data portability: to receive your data in a structured, commonly used format.
• Right to object: to object to processing based on legitimate interests.
• Right to withdraw consent: where processing is based on consent, you may withdraw it at any time.
• Right to lodge a complaint: with the Office of the Personal Data Protection Committee (PDPC) of Thailand.

To exercise any of these rights, contact us at [email protected]. We will respond within 30 days.

10. Data Security

We take reasonable technical and organisational measures to protect your personal information against unauthorised access, loss, or disclosure. Our website uses HTTPS encryption. Access to personal data is limited to staff who need it for their role.

In the event of a personal data breach that is likely to result in risk to your rights and freedoms, we will notify you and the relevant supervisory authority as required by law.

11. Third-Party Links

Our website may contain links to external websites. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies.

12. Children

Our programmes and website are intended for adults aged 18 and above. We do not knowingly collect personal information from individuals under 18. If we become aware that we have inadvertently collected such information, we will delete it promptly.

13. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will update the "Last updated" date at the top of this page. Continued use of our website after changes constitutes acceptance of the updated policy.

14. Contact

For any privacy-related questions or to exercise your rights:

• Email: [email protected]
• Post: Thara Capital, 198 Krungkasem Road, Pomprap, Bangkok 10100, Thailand