Privacy Policy

1. Who We Are

Tallowmark is a financial education business at 47/3 Phetkasem Road, Hat Yai, Songkhla 90110, Thailand. We provide educational sessions and materials on personal finance topics. We are the data controller for personal information collected through our website and enquiries. Contact us at +66 74 358 291 or info@thjoycraft.

2. Information We Collect

We collect personal information in these circumstances:

• Enquiry forms: your name, email address, phone number, and message content.
• Direct communications: information shared by email, telephone, or in person.
• Website usage data: anonymised analytics including pages visited, browser type, and approximate location, via third-party tools (see Section 8).
• Service delivery: financial context you share in the course of our educational sessions, limited to what is necessary.

We do not collect sensitive personal data such as identification numbers, health data, or financial account credentials unless expressly agreed in writing.

3. How We Use Your Information

• Responding to enquiries and scheduling consultations.
• Delivering and administering our educational services.
• Sending service-related communications (session reminders, follow-up materials).
• Improving our website and understanding visitor behaviour.
• Complying with legal obligations.

We do not use your information for automated decision-making that produces significant legal or similar effects.

4. Legal Basis for Processing

• Consent: where you have actively submitted a contact form. You may withdraw consent at any time.
• Contractual necessity: where processing is required to deliver requested services.
• Legitimate interests: for analytics and business improvement, balanced against your rights.
• Legal obligation: where required by applicable law.

5. Sharing Your Information

We do not sell or trade your personal information. We may share it in these limited circumstances:

• Service providers: platforms helping us operate our website (hosting, email, analytics), bound by data processing agreements.
• Legal requirements: when required by Thai law, court order, or government authority.
• Business transfers: in the event of restructuring, to a successor entity under continued protection.

6. Data Retention

• Enquiry and contact data: retained up to 24 months from last contact.
• Service delivery records: retained up to 5 years for business record-keeping purposes.
• Website analytics: retained in anonymised form; personally identifiable signals not stored beyond 14 months.

Once data is no longer required, it is securely deleted or anonymised.

7. Your Rights

Under the PDPA, you have the right to: access your data; request rectification or erasure; restrict processing; object to processing; withdraw consent; and receive your data in a portable format where feasible. To exercise these rights, contact us (see Section 12). We respond within 30 days. If you believe your rights have not been respected, you may contact the Personal Data Protection Committee of Thailand.

8. Cookies

We use essential cookies (required for site function), analytics cookies (aggregate visitor behaviour, non-identifying), and marketing cookies (only with your explicit consent via our cookie banner). You may manage preferences at any time via the cookie settings on our website. See our Cookie Policy for full details.

9. Security

We implement reasonable technical and organisational measures to protect your data from unauthorised access, loss, or disclosure — including secure storage, access controls, and regular review. No electronic transmission is completely secure; if you notice a concern, please contact us promptly.

10. Third-Party Links

Our website may link to external sites not governed by this policy. We encourage you to review the privacy policies of third-party sites you visit. Tallowmark accepts no responsibility for their practices.

11. Changes to This Policy

We may update this policy from time to time. Material changes will be reflected in the "Last reviewed" date above. Continued use of our website after changes are posted constitutes acceptance of the updated policy.

12. Contact Us

• Business: Tallowmark
• Address: 47/3 Phetkasem Road, Hat Yai, Songkhla 90110, Thailand
• Telephone: +66 74 358 291
• Email: info@thjoycraft

We aim to respond to all enquiries within 30 days of receipt.