Privacy Policy

ShockTopFlux Annual Budgeting Services

Last updated: January 15, 2025

Introduction and Overview

At ShockTopFlux, we understand that trust forms the foundation of any meaningful financial relationship. This privacy policy explains how we collect, use, protect, and manage your personal information when you use our annual budgeting services and educational resources.

Operating from Thailand while serving clients who value comprehensive financial planning, we comply with both local Thai Personal Data Protection Act (PDPA) requirements and international privacy standards to ensure your information receives the highest level of protection.

We believe transparency isn't just about compliance — it's about building lasting relationships where you feel confident about how your financial data is handled throughout our partnership.

Information We Collect

Personal Information You Provide

Contact and Identity Information
Name, email address, phone number, mailing address, and professional details when you register for our services or contact us for support.
Financial Information
Income details, expense categories, financial goals, and budgeting preferences that you share to help us provide personalized annual budgeting guidance.
Communication Records
Messages, emails, and consultation notes from our interactions to maintain service continuity and improve our support quality.
Educational Preferences
Learning goals, preferred communication methods, and feedback on our educational materials to customize your experience.

Automatically Collected Information

When you visit our website or use our services, we automatically collect certain technical information to ensure optimal performance and security. This includes your IP address, browser type, device information, and usage patterns on our platform.

We also track how you interact with our educational content and budgeting tools to identify areas where we can improve your experience and provide more relevant resources.

How We Use Your Information

Your information serves specific purposes that directly benefit your experience with our annual budgeting services. We never use your data for purposes unrelated to helping you achieve better financial management.

  • Provide personalized annual budgeting recommendations based on your financial situation and goals
  • Deliver educational content and resources tailored to your learning preferences and financial knowledge level
  • Communicate important updates about our services, new features, or changes that affect your account
  • Analyze usage patterns to improve our budgeting tools and educational materials
  • Ensure the security and integrity of our platform through fraud prevention and system monitoring
  • Comply with legal obligations and respond to legitimate requests from Thai authorities when required
  • Process payments and manage your subscription to our services
  • Provide customer support and resolve any issues you encounter with our platform
Important Limitation
We never sell, rent, or trade your personal information to third parties for their marketing purposes. Your financial data remains confidential and is used solely to improve your budgeting experience with us.

Information Sharing and Disclosure

We maintain strict controls over who can access your information and under what circumstances. Sharing only occurs when it directly supports your service experience or when legally required.

Service Providers and Partners

We work with carefully selected service providers who help us deliver our annual budgeting services. These partners include payment processors, email service providers, and cloud hosting companies that meet our security standards.

All service providers sign agreements that require them to protect your information and use it only for the specific services they provide to us. They cannot use your data for their own purposes or share it with other parties.

Legal Requirements

We may disclose your information when required by Thai law, court orders, or regulatory authorities. This includes situations where disclosure is necessary to protect our legal rights, prevent fraud, or ensure user safety.

In such cases, we limit disclosure to only the information specifically required and notify you when legally permitted to do so.

Your Privacy Rights

Under Thai Personal Data Protection Act and our commitment to transparent service, you have several important rights regarding your personal information. We make it straightforward to exercise these rights.

Access Your Data
Request a copy of all personal information we hold about you, including how it's being used and who it's shared with.
Correct Inaccuracies
Update or correct any personal information that is inaccurate, incomplete, or outdated in our systems.
Delete Your Information
Request deletion of your personal data, subject to legal and contractual obligations we must maintain.
Restrict Processing
Limit how we use your information in specific circumstances while maintaining your account access.
Data Portability
Receive your information in a commonly used format that you can transfer to another service provider.
Withdraw Consent
Remove your consent for specific uses of your information that require your explicit permission.

How to Exercise Your Rights

To exercise any of these rights, contact us using the information provided at the end of this policy. We typically respond to requests within 30 days and may need to verify your identity to protect your information from unauthorized access.

Some requests may take longer if they're particularly complex or if we receive multiple requests from you. We'll keep you informed about our progress and explain any delays.

Data Security Measures

Protecting your financial information requires comprehensive security measures that address both technical vulnerabilities and human factors. We implement multiple layers of protection to safeguard your data.

Encryption Technology
All data transmission uses TLS 1.3 encryption, and sensitive information is encrypted at rest using industry-standard protocols.
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Access Controls
Role-based access ensures only authorized personnel can view your information, with all access logged and monitored.
Regular Audits
Independent security assessments and vulnerability testing help us identify and address potential weaknesses proactively.
Secure Backups
Encrypted backup systems ensure data availability while maintaining security standards across all storage locations.

Our team receives regular training on privacy and security best practices. We maintain incident response procedures to quickly address any potential security issues and notify affected users when required by law.

Data Retention and Deletion

We retain your information only as long as necessary to provide our services and meet legal obligations. Our retention periods vary based on the type of information and how it's used in our annual budgeting services.

1
Active Account Period
While your account remains active, we maintain all information necessary to provide our budgeting services and support your financial planning goals.
2
Account Closure - 2 Years
After account closure, we retain essential information for tax purposes, dispute resolution, and compliance with Thai financial service regulations.
3
Legal Requirements - 7 Years
Certain financial records must be maintained for extended periods as required by Thai business and tax laws.
4
Secure Deletion
After retention periods expire, we permanently delete information using secure deletion methods that prevent recovery.

You can request early deletion of your information, though some data may need to be retained for legal compliance. We'll explain what can be deleted immediately and what must be retained during our retention period.

International Data Transfers

Some of our service providers and technology partners operate outside Thailand, which means your information may be transferred to and processed in other countries. We ensure these transfers maintain the same level of protection as required by Thai privacy laws.

All international transfers occur under appropriate safeguards, including contractual protections, adequacy decisions, or other approved transfer mechanisms. We regularly review these arrangements to ensure continued compliance with evolving privacy regulations.

If you have concerns about international transfers of your information, please contact us to discuss the specific safeguards that apply to your data.

Updates to This Policy

We update this privacy policy periodically to reflect changes in our services, legal requirements, or privacy practices. Significant changes are communicated through email notifications and prominent notices on our website.

We encourage you to review this policy regularly to stay informed about how we protect your information. The "last updated" date at the top of this page indicates when the most recent changes were made.

Continued use of our services after policy updates indicates your acceptance of the revised terms. If you disagree with any changes, you can close your account or contact us to discuss your concerns.

Contact Information for Privacy Matters

Privacy Inquiries and Requests

For questions about this privacy policy, to exercise your privacy rights, or to report privacy concerns, please contact us using any of the following methods:

  • Email: [email protected]
  • Phone: +66 74 455 000
  • Mailing Address: 369 Sukhumvit Road, Noen Phra, Mueang Rayong District, Rayong Province 21150, Thailand
  • Business Hours: Monday-Friday, 9:00 AM - 6:00 PM (Thailand Time)

When contacting us about privacy matters, please include your full name, email address associated with your account, and a detailed description of your request or concern. This helps us respond more efficiently and accurately.

Data Protection Officer
For complex privacy matters or complaints about our data handling practices, you may also contact the Thai Personal Data Protection Committee through their official channels as outlined in the Personal Data Protection Act.