Privacy Policy
Effective Date: January 15, 2025
At NeuronWisdom, we understand that your financial data is deeply personal.
This policy explains how we collect, use, and protect your information when
you use our budget trend analysis services.
Information We Collect
Personal Information
When you create an account with NeuronWisdom, we collect basic information
to provide our services effectively. This includes your name, email
address, and contact details. We also collect information about how you
interact with our platform to improve your experience.
Financial Data
Our budget analysis tools require access to your financial information to
generate meaningful insights. This may include:
Transaction histories and spending patterns
Account balances and financial institution connections
Budget categories and spending goals you create
Income sources and frequency information
Important: We never store your banking login credentials. All connections to financial institutions use secure, encrypted third-party services that comply with Thailand's Personal Data Protection Act (PDPA) and international banking security standards.
Technical Information
Like most digital services, we automatically collect certain technical
information when you use our platform. This includes your IP address,
browser type, device information, and usage patterns. We use this data to
ensure our service works properly across different devices and to identify
potential security issues.
How We Use Your Information
Your information helps us provide personalized budget analysis and
financial insights. Here's how we use different types of data:
| Data Type | Primary Use | Retention Period |
|---|---|---|
| Account Information | Service delivery and customer support | Duration of account + 3 years |
| Financial Data | Trend analysis and budget insights | Duration of account + 1 year |
| Usage Analytics | Platform improvement and feature development | 2 years from collection |
| Communication Records | Customer service and legal compliance | 5 years as required by Thai law |
We also use aggregated, anonymized data to understand broader financial
trends in Thailand. This helps us develop better features and contribute to
financial literacy research. Individual users cannot be identified from
this aggregated data.
Data Sharing and Third Parties
We believe in transparency about who has access to your information.
NeuronWisdom works with carefully selected partners to provide our
services, but we never sell your personal data to advertisers or marketing
companies.
Service Providers
We share limited data with trusted third-party providers who help us
operate our platform. These include cloud hosting services, payment
processors, and customer support tools. All partners are required to sign
data processing agreements that comply with Thai privacy laws.
Legal Requirements
We may disclose your information when required by Thai law, court orders,
or regulatory authorities. We also reserve the right to share information
if we believe it's necessary to prevent fraud, protect our users, or defend
our legal rights. When possible, we'll notify affected users unless
prohibited by law.
We do not share individual financial data with credit agencies, insurance companies, or employers without your explicit written consent.
Your Privacy Rights
Under Thailand's Personal Data Protection Act, you have several important
rights regarding your personal information. We've made it easy to exercise
these rights through your account settings or by contacting our privacy
team.
Access Your Data
You can view all personal information we hold about you through
your account dashboard. For a complete data export, contact our
support team and we'll provide it within 30 days.
Correct Information
Update your personal details anytime through account settings. For
more complex corrections, especially regarding financial data,
please contact support for assistance.
Delete Your Account
You can delete your account and associated data through account
settings. Some information may be retained for legal compliance as
outlined in our retention schedule.
Data Portability
Request a copy of your data in a structured, machine-readable
format. This includes your financial data, preferences, and
analysis history.
Withdraw Consent
You can withdraw consent for data processing at any time. Note that
this may limit our ability to provide certain features of our
service.
Object to Processing
You have the right to object to certain types of data processing,
particularly for marketing purposes or automated decision-making.
Data Security Measures
Protecting your financial information is our top priority. We use multiple
layers of security to safeguard your data both in transit and at rest.
Technical Safeguards
AES-256 encryption for all stored data
TLS 1.3 encryption for all data transmission
Regular security audits and penetration testing
Multi-factor authentication for account access
Automated monitoring for suspicious activities
Organizational Safeguards
Our team follows strict data handling procedures. Access to your personal
information is limited to employees who need it to provide services or
support. All staff complete regular privacy and security training, and we
conduct background checks for anyone with access to sensitive data.
We also maintain incident response procedures. If a security breach occurs,
we'll notify affected users and relevant authorities within 72 hours as
required by Thai law.
International Data Transfers
While NeuronWisdom operates primarily within Thailand, some of our service
providers may process data in other countries. When we transfer data
internationally, we ensure adequate protection through:
Adequacy decisions by Thai authorities where applicable
Standard contractual clauses approved by data protection authorities
Certification schemes and codes of conduct
Additional security measures when transferring to countries without
adequate protection
You can request specific information about international transfers that
affect your data by contacting our privacy team.
Cookies and Tracking
NeuronWisdom uses cookies and similar technologies to enhance your
experience and analyze how our service is used. We use both essential
cookies (required for the service to function) and optional cookies (for
analytics and preferences).
You can control cookie settings through your browser or our cookie
preference center. Disabling certain cookies may limit some features of our
service, but core functionality will remain available.
We don't use advertising cookies or share cookie data with advertising
networks. Our analytics cookies help us understand usage patterns to
improve the service for all users.
Children's Privacy
NeuronWisdom is designed for adults who manage their own finances. We don't
knowingly collect personal information from children under 13, and our
terms of service require users to be at least 18 years old or have parental
consent.
If we discover that we've inadvertently collected information from a child
under 13, we'll delete it promptly. Parents who believe their child has
provided information to us should contact our privacy team immediately.
Changes to This Policy
We update this privacy policy periodically to reflect changes in our
practices, technology, or legal requirements. When we make significant
changes, we'll notify active users via email and display a notice on our
platform.
Minor updates, such as clarifications or contact information changes, will
be posted directly to this page with an updated effective date. We
encourage you to review this policy periodically to stay informed about how
we protect your privacy.
If you disagree with changes to this policy, you can close your account
before the changes take effect. Continued use of our service after changes
become effective indicates acceptance of the updated policy.
Contact Our Privacy Team
Questions about this privacy policy or how we handle your data? We're here
to help.
Email us at privacy@neuronwisdom.com
Or write to us at:
NeuronWisdom Privacy Team
36/1 Sukhumvit 23, Map Ta Phut
Mueang Rayong District, Rayong 21150
Thailand
NeuronWisdom Privacy Team
36/1 Sukhumvit 23, Map Ta Phut
Mueang Rayong District, Rayong 21150
Thailand
Phone: +66 53 719 955 (Monday-Friday, 9 AM - 6 PM ICT)