Privacy Policy

1. Introduction

Ledgerwise is committed to protecting your privacy and handling your personal information responsibly. This Privacy Policy explains how we collect, use, store, and protect your personal data when you interact with our financial education services.

By using our services or providing us with your personal information, you acknowledge that you have read and understood this Privacy Policy. If you have questions or concerns about our privacy practices, please contact us at [email protected].

2. Information We Collect

We collect the following types of personal information:

2.1 Information You Provide

• Name, email address, and phone number when you inquire about our programs
• Enrollment information when you register for educational programs
• Communication preferences and feedback
• Payment information processed through secure third-party payment processors

2.2 Automatically Collected Information

• Device information, IP address, and browser type
• Pages visited and time spent on our website
• Referral sources and navigation patterns
• Cookie data (see our Cookie Policy for details)

2.3 Legal Basis for Processing

We process your personal data based on: (a) your consent when you provide information, (b) contractual necessity to deliver our educational services, (c) legitimate business interests in improving our programs, and (d) legal obligations under Thai data protection laws.

3. How We Use Your Information

We use your personal information for the following purposes:

• Providing educational services and program delivery
• Communicating about program schedules, materials, and updates
• Processing enrollments and handling payment transactions
• Responding to inquiries and providing customer support
• Sending relevant program information and educational content (with your consent)
• Improving our services through analysis and feedback
• Complying with legal and regulatory requirements
• Maintaining security and preventing fraud

4. Data Sharing and Third Parties

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

• Payment Processors: Secure third-party services that process enrollment payments
• Analytics Services: Google Analytics to understand website usage (anonymized data)
• Email Service Providers: For sending program communications and updates
• Legal Requirements: When required by law or to protect our legal rights

All third-party service providers are contractually obligated to protect your data and use it only for specified purposes.

5. Data Security

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

• SSL/TLS encryption for data transmission
• Secure storage with access controls and regular backups
• Regular security audits and vulnerability assessments
• Employee training on data protection practices
• Incident response procedures for potential data breaches

While we strive to protect your information, no internet transmission is completely secure. We cannot guarantee absolute security but commit to notifying you promptly of any data breaches.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy or as required by law. Specifically: enrollment records are kept for seven years for accounting and legal purposes, program materials and attendance records for three years, marketing communications until you opt out, and website analytics data in anonymized form indefinitely.

7. Your Rights

Under Thai data protection laws, you have the following rights:

• Right to Access: Request copies of your personal data we hold
• Right to Rectification: Request correction of inaccurate or incomplete data
• Right to Erasure: Request deletion of your personal data (subject to legal requirements)
• Right to Restrict Processing: Limit how we use your data in certain circumstances
• Right to Data Portability: Receive your data in a structured, machine-readable format
• Right to Object: Object to processing based on legitimate interests or for direct marketing
• Right to Withdraw Consent: Withdraw consent for processing based on consent

To exercise these rights, please contact us at [email protected]. We will respond to your request within 30 days.

8. Cookies and Tracking

We use cookies and similar technologies to enhance your browsing experience and analyze website usage. For detailed information about our cookie practices, please see our Cookie Policy. You can manage your cookie preferences at any time through your browser settings.

9. Third-Party Links

Our website may contain links to external sites not operated by us. We are not responsible for the privacy practices of these third-party websites. We encourage you to review the privacy policies of any external sites you visit.

10. Children's Privacy

Our services are intended for individuals 18 years of age or older. We do not knowingly collect personal information from individuals under 18. If you believe we have inadvertently collected such information, please contact us immediately so we can delete it.

11. International Data Transfers

Your personal information is primarily stored and processed in Thailand. Some third-party service providers may process data in other countries. When transferring data internationally, we ensure appropriate safeguards are in place to protect your information in accordance with this Privacy Policy.

12. Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. We will notify you of material changes by posting the updated policy on our website with a new "Last Updated" date. Your continued use of our services after such changes constitutes acceptance of the updated policy.

13. Contact Information

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