Privacy Policy

Introduction

At Northmark, we are committed to protecting your privacy and handling your personal information with care and respect. This Privacy Policy explains how we collect, use, store, and protect information about individuals who engage with our financial education programs in Bangkok, Thailand.

We operate in accordance with Thailand's Personal Data Protection Act (PDPA) and international privacy standards. By using our services or providing us with your information, you acknowledge that you have read and understood this policy.

For questions about this policy or how we handle your data, please contact us at [email protected].

Information We Collect

Personal Information You Provide

When you inquire about or enroll in our programs, we may collect:

• Full name and preferred name
• Email address and phone number
• Mailing address (if applicable)
• Program preferences and learning goals
• Financial education background (to tailor program recommendations)
• Payment information (processed through secure third-party payment providers)

Information Collected Automatically

When you visit our website, we may collect:

• Device information (browser type, operating system)
• IP address and general location data
• Pages visited and time spent on our site
• Referral sources (how you found our website)

How We Use Your Information

We use your personal information for the following purposes:

• Program Delivery: To provide educational services, communicate about sessions, and deliver program materials
• Communication: To respond to inquiries, send program updates, and provide participant support
• Payment Processing: To process enrollment fees and manage financial transactions
• Program Improvement: To analyze participant feedback and enhance curriculum quality
• Legal Compliance: To meet regulatory requirements and protect our legal rights
• Marketing: To send information about our programs (only with your consent, and you may opt out at any time)

Legal Basis for Processing

Under Thai PDPA, we process your personal data based on:

• Contract Performance: Processing necessary to deliver educational services you've enrolled in
• Consent: For marketing communications and optional data collection, where you've provided explicit consent
• Legitimate Interest: For website analytics and program improvement, balanced against your privacy rights
• Legal Obligation: To comply with Thai tax and business regulations

Data Sharing and Disclosure

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

• Payment Processors: To process enrollment fees securely
• Service Providers: Third parties who assist with website hosting, email delivery, or program administration (under strict confidentiality agreements)
• Legal Authorities: When required by Thai law or to protect our legal rights

All third-party service providers are vetted for data protection compliance and are contractually obligated to protect your information.

Data Security and Retention

Security Measures

We implement appropriate technical and organizational measures to protect your personal data:

• Encrypted data transmission using SSL/TLS protocols
• Secure servers with access controls and monitoring
• Regular security assessments and updates
• Staff training on data protection practices
• Strict access controls limiting who can view personal information

Data Retention

We retain your personal data only as long as necessary:

• Participant Records: Maintained for 5 years after program completion for quality assurance and legal compliance
• Financial Records: Retained for 7 years as required by Thai tax law
• Marketing Data: Retained until you withdraw consent or request deletion
• Website Analytics: Anonymized after 24 months

Cookies and Tracking

Our website uses cookies to improve your browsing experience. For detailed information about cookie types and management, please see our Cookie Policy.

We use:

• Essential Cookies: Required for website functionality (cannot be disabled)
• Analytics Cookies: To understand how visitors use our site (optional, requires consent)
• Preference Cookies: To remember your settings and choices (optional)

Your Privacy Rights

Under Thai PDPA, you have the following rights regarding your personal data:

• Right to Access: Request copies of your personal data we hold
• Right to Rectification: Request correction of inaccurate or incomplete information
• Right to Erasure: Request deletion of your personal data (subject to legal retention requirements)
• Right to Data Portability: Receive your data in a structured, machine-readable format
• Right to Object: Object to processing of your data for marketing purposes
• Right to Withdraw Consent: Withdraw consent for data processing at any time
• Right to Lodge a Complaint: File a complaint with the Thai Personal Data Protection Committee

To exercise any of these rights, please contact us at [email protected]. We will respond to your request within 30 days as required by Thai law.

Children's Privacy

Our programs are designed for adults aged 18 and over. We do not knowingly collect personal information from individuals under 18. If we become aware that we have inadvertently collected data from a minor, we will take steps to delete it promptly.

Third-Party Links

Our website may contain links to external websites. We are not responsible for the privacy practices of these third-party sites. We encourage you to review their privacy policies before providing any personal information.

Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. We will notify participants of significant changes via email or prominent notice on our website.

The "Last Updated" date at the top of this policy indicates when the most recent changes were made. We encourage you to review this policy periodically.

Contact Information

For questions, concerns, or requests related to your privacy or this policy: