Privacy Policy

1. Introduction

Panya Wealth ("we", "us", "our") is a financial education company based at 248/7 Sathorn Road, Thung Maha Mek, Sathorn, Bangkok 10120, Thailand. We provide educational programmes for adults in their forties and beyond who want to better understand their personal finances.

This Privacy Policy describes how we collect, use, store, and share personal information when you visit our website at panyawea.cyou, submit an enquiry form, or enrol in one of our programmes. It applies to all visitors and participants, regardless of how you interact with us.

We take your privacy seriously. We collect only what is necessary, store it securely, and do not sell or rent your information to any third party.

If you have questions about this policy or how we handle your data, please write to us at [email protected].

2. Personal Data We Collect

We collect personal information in the following ways:

Information you provide directly

• Your full name, when you submit an enquiry or enrol in a programme
• Your email address, so we can respond to your enquiry or send programme materials
• Your telephone number, if you choose to include it in your message
• The content of any message you send us through the contact form

Information collected automatically

• Basic browser and device information (browser type, screen size, operating system)
• Your approximate geographic location based on your IP address — not your precise location
• Pages visited on our website and how long you spent on each
• The web address you arrived from, if any
• Cookie and session data (see Section 6 for details)

Legal basis for processing

• Consent — when you submit a form or accept cookies
• Legitimate interest — when we use analytics to improve the website experience
• Contractual necessity — when processing your information to deliver a programme you have enrolled in
• Legal obligation — where Thai law requires us to retain certain records

How long we keep your data

• Enquiry form submissions: up to 24 months from the date of submission
• Programme enrolment records: up to 5 years in accordance with Thai accounting regulations
• Website analytics data: up to 26 months in anonymised or aggregated form
• Cookie data: as described in our Cookie Policy

3. How We Use Your Information

We use the information we hold about you for the following purposes only:

• Responding to your enquiries about our programmes
• Processing enrolments and delivering course materials
• Sending programme updates, schedules, or session reminders you have agreed to receive
• Improving the content and usability of our website based on anonymised analytics data
• Meeting our obligations under Thai law, including financial record-keeping

Marketing communications

We will only send you information about future programmes or resources if you have clearly indicated that you would like to hear from us. You may withdraw that preference at any time by writing to [email protected].

Sharing with third parties

• Website hosting providers — to operate and maintain the website (data remains within the EEA or equivalent regions with adequate data protection)
• Analytics services — we may use anonymised usage data with analytics tools; no personally identifiable information is shared
• Payment processors — if you enrol online, your payment details are handled directly by our payment provider and are never stored by Panya Wealth
• We do not sell, rent, or trade your personal information to any third party for their own marketing purposes

4. How We Protect Your Data

• All data transmitted between your browser and our website is encrypted using TLS (HTTPS)
• Access to personal data is restricted to staff members who need it to perform their role
• Our servers are hosted in data centres with physical and logical access controls
• We conduct periodic reviews of our data handling practices and update them when needed
• In the unlikely event of a data breach that affects your rights or freedoms, we will notify the relevant authorities and affected individuals as required under applicable law

No system can be entirely without vulnerability. However, we take reasonable and appropriate steps to keep your information safe at all times.

5. Links to Other Websites

Our website may occasionally link to external resources such as the Thai Securities and Exchange Commission, government guidance pages, or reputable financial education organisations. These sites have their own privacy policies and we have no control over or responsibility for how they handle your information.

We encourage you to read the privacy policy of any external site you visit before sharing any personal information with them.

6. Cookies

We use cookies — small text files stored on your device — to help the website function and to understand how visitors use it. We use the following types:

• Strictly necessary cookies — required for the website to operate (e.g. storing your cookie consent preference). These cannot be disabled.
• Analytics cookies — help us understand which pages are visited most often and how long visitors stay. This data is aggregated and not linked to any individual.
• Functional cookies — remember your preferences, such as text size, if you adjust them during your visit.

You can manage your cookie preferences at any time. For full details, please read our Cookie Policy.

7. Your Rights

Under Thailand's Personal Data Protection Act B.E. 2562 (PDPA) and where relevant, the General Data Protection Regulation (GDPR), you have the following rights regarding your personal data:

To exercise any of these rights, please write to us at [email protected]. We will respond within 30 days. If you believe your rights have not been respected, you may also contact Thailand's Personal Data Protection Committee (PDPC) or the relevant supervisory authority in your country.

8. Children's Privacy

Our programmes and website are intended for adults aged 18 and over. We do not knowingly collect personal information from anyone under the age of 18. If you believe a minor has provided us with their information, please contact us and we will promptly remove it.

9. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. When we do, we will revise the "last updated" date at the top of this page. If any changes are material, we will make a reasonable effort to inform participants who have an active relationship with us.

We encourage you to review this page periodically so that you are always aware of how your information is being handled.

10. Contact for Privacy Enquiries

If you have any questions about this policy, wish to exercise a data right, or would like to make a complaint about how we have handled your information, please reach us through any of the following:

• Email: [email protected]
• Post: Panya Wealth, 248/7 Sathorn Road, Thung Maha Mek, Sathorn, Bangkok 10120, Thailand
• Phone: +66 2 716 4983

We aim to respond to all privacy-related enquiries within 30 calendar days.