Privacy Policy
(English Version)
PRASPECT TECHNOLOGY CO., LTD, have developed our products and services with your privacy in mind since our company
was established. This privacy policy explains how we collect, use and share data through our products and services
through this application named OKสินเชื่อ(the “App”). We provide you with this privacy policy to share the
steps we take to ensure the security of your data when utilizing the App. This privacy policy describes the types of
information we collect when you use the App, how we use and protect that information, how long we retain it, and
with whom we share it. It also explains your privacy rights and options. By using the App, you consent to our
collection, use, and sharing of your information as described in this privacy policy.
1. Collection of your personal data
When you use the App, you give us your personal data directly through your interaction with the App so that we can
provide a decent loan service to you. Personal information we collect through your active provision may include:
(1)full
name, (2)date of birth, (3)gender, (4)residential address, (5)telephone number, (6)emergency contacts, (7)ID
information, (8) beneficiary's bank account information, (9) biometric information.
We may also collect information from your device automatically backstage. The information and permissions we collect
includes:
•(1) location, we collect your geo-location information when the App is running in the foreground so as
to
auto-fill your
address data.
•(2) SMS, we only monitor financial SMS (4-digit financial SMS), including the sender, description and
date
sent in the user's inbox, which helps us identify the various accounts held by the user and the cash flow patterns
owned
by the user to help us determine the user's risk profile and provide appropriate credit analysis for the user. In
addition, we collect and process telephone data, such as SMS logs. for risk analysis, to assess a user's eligibility
to
use our products or services (including, but not limited to, by assessing the user's creditworthiness, determining
whether the user can afford the products or services requested by the user and/or determining whether the user is
eligible for additional benefits of available products); to provide loan services to users (including, but not
limited
to, by processing your transactions and processing the user's loan payments and collecting the user's loan
repayments);
verifying the identity of users and/or other information provided to us by users; detecting, combating and
preventing
fraud, attempted fraud, money laundering and/or other illegal use of our services; analyzing customer behavior;
interfacing with credit reference or fraud prevention agencies; and providing customer service or support. To
contact
you using text (SMS) messages (if applicable) in accordance with the purposes described in
this Privacy Policy.
•(3) information of installed APP, we may read your installed APP information for the purpose of risk
analysis and
product recommendation.
•(4) camera, we will require your authorization to access your camera to take photos of your face and
necessary KYC
documents.
•(5) calendar, we may access your calendar to remind you of the due date of repayment.
•(6) contacts, in order to streamline the loan application process, the users may choose to select
emergency contacts
from their phone's contact list. This means that we will collect contact information from users, which will be used
to
automatically fill in the application form. We may also analyze this information for risk assessment purposes, such
as
determining a user's creditworthiness or eligibility for certain products or services. Additionally, we may use the
contact information to verify users' identities, prevent fraud and other illegal activities, and analyze customer
behavior. Please note that we may contact you via phone for these purposes, using an autodial or prerecorded message
call.
•(7) call log, for the purposes of identity verification and prevention of identity theft and loan fraud,
we may collect
your recent call log when you register or log in to our app via voice verification. This allows us to verify that
the
mobile phone card in your device matches the registered phone number used to receive verification codes. To identify
potential fraud risks, this data may be uploaded to our servers for risk identification purposes. Please be assured
that
your data is only used for this purpose and will be deleted after use. We take data privacy seriously and will never
share your information with third parties.
•(8) other phone information, we will collect device information to help us identify your user profile
and
recommend
suitable products, which includes device brand, model, operating system version, device network environment, WiFi,
device status, application software information, device memory information.
2. Use/purpose of your data
Personal Data shall be processed, collected, used, disclosed, stored, and retained for the following purposes:
• to identify Users;
• to contact Users in relation to their registered account/s or requested information;
• to process registration of account/s and to determine or assist in determination of decisions as part of
screening of
the investors, borrowers, registrations or loan applications, and/or to deliver our products and/or services to the
User
and any directly related purposes;
• to facilitate loan processing from application, review, monitoring, payment, collection and other
remedial measures;
• to maintain internal records;
• to market and offering new, related or complementary products and services to the User;
• to conduct background check and identity verification;
• to conduct and perform fraud monitoring, detection, analysis and prevention;
• to prevent, detect and investigate actual or suspected crime and analysing and managing commercial
risks;
• to conduct data analytics and tracking;
• to conduct market research to enable the App to understand and determine customer location, preferences
and
demographics to develop special offers, products or marketing programs in relation to products and services, and to
improve (i.e. customized offers and products) such products and services;
• to perform research on data to conduct investigations relating to disputes, payment, suspected illegal
activities or
fraud;
• to carry out marketing and promotions initiatives relating to our company, local affiliates of the
company, the
company’s partners, and other company’s products and services, whether by electronic means, by email and post, or by
telephone, SMS or social media, or by sending newsletters (for example, for the Users to be updated on new products
or
features and to publicize events, contests, demonstrations, loyalty programes, and other activities organized by the
company and/or the company), also by using automated means. Such communications will relate to products and services
of
the financial products, services and the like.
• to develop, enhance and maintain a risk assessment process and model, offline and online;
• to develop and generate a credit score, credit model and user model;
• to enroll/participate the user in group credit and/or life insurance, credit risk analysis, credit
investigation,
credit scoring and credit collection on the User;
• to perform User location search;
• to execute, monitor, manage and analyse the App and to develop, enhance, and upgrade the
features,
functions, products and services in the App, including promotions, loyalty and reward programs;
• to respond to User queries and requests;
• to facilitate business asset transactions (which may extend to any mergers, acquisitions or asset sales) of
the
company;
• to facilitate and as may be required as part of any financing or capital raising activity (i.e.
obtaining loans,
credit facility, mortgage, assignment, assignment as a form of security or mortgage of loans);
• to initiate and maintain correspondence with the User via electronic mail (e-mail), SMS (short messaging
service),
in-app message/communication, registered mail, phone calls or field visits;
• to resolve complaints and handling requests and inquiries;
• to monitor or record phone calls and customer-facing interactions for quality assurance, employee
training and
performance evaluation and identity verification purposes;
• to provide information to external parties such as government agencies, and other institutions as part
of scientific
research and/or study; and
• for any other legal and/or regulatory purposes (including but not limited to obtaining legal advice and
dispute
resolution) and legitimate business purposes and to carry out all mandatory administrative, operational
and legal duties
3. Sharing of your Personal Data.
We will take utmost care to ensure that your personal data is not shared without your permission. We may share your
personal data to the extent allowed by applicable laws to the following subjective:
(1) authorized employees of our company and its affiliates, including our company’s auditor or external
auditors,
financial cooperative institutions, and/or third parties that are related to our company;
(2) the Credit Bureau (a type of credit reporting agency);
(3) the governmental authorities conducting legal investigation or legal actions;
(4) the third-party cooperative institutions, including fund lenders, payment partners, post-loan
partners, third-party
verification service providers, messages service providers, call-out service partners;
(5) sharing with other subjects in accordance with laws, government orders, or regulatory requirements.
4. Biometric Information
(1) To ensure accurate identification and prevent loan fraud, we may ask you to provide a live face photo
during the
facial recognition process. Your facial data will be collected and processed only for the following purposes:
verifying
your identity, proving that the loan application was initiated by you, and preventing fraudulent loan activity. This
information may be referenced at any time, including in the event of a dispute or investigation related to the
loan.
(2) Upon completion of the facial recognition process, your face photo data will be uploaded to our server api.happykaching.com and
retained until the loan and any remaining payments are fully repaid. Additionally, we may be required to retain this
information for an extended time period in order to comply with applicable laws and regulations, including statutory
limitations. If you wish for your face photo data to be deleted immediately, please contact us by sending an email
to chakritjuntawong1@gmail.com
(3) We place great importance on protecting your privacy and will not disclose your face photo data to
third parties
unless we are required to do so by applicable law or as evidence in a dispute related to your loan. This may include
presenting data to a court or arbitral tribunal, pursuant to a court order or under the authority of any government
office or agency authorized by applicable law. If necessary, the relevant court, tribunal, or authority may retain
your
data for the duration specified by law.
5. Protection of your information
To ensure the safety of data transmission, we encrypt the information mentioned above and transfer it to our server
located at api.happykaching.com through the application. We will retain your data for the
period
specified by law and only for the purpose for which it was collected and utilized. If you require immediate deletion
of
your data, you may contact our customer service center by sending an email to chakritjuntawong1@gmail.com.
6. Your user obligations
You agree to inform us promptly, and in any event, within 14 calendar days, in writing if there are any changes to
your
information provided to us from time to time, and to respond promptly to any request from us.
Where:
(1) you fail to provide promptly any user information or Personal Data that we reasonably requested;
(2) you withhold or withdraw any consents that we may need to process, transfer or disclose Personal Data
for the
purposes of used disclosed above in this Privacy Policy (except for purposes connected with marketing or promoting
products and services to you); and/or
(3) we have, or a member of our company has, suspicions regarding financial crime or an associated
risk.
Thī̀h̄ịn:
We may:
(1) be unable to provide new, or continue to provide all or part of the services to you and reserve the
right to
terminate our relationship with you;
(2) take actions necessary for us or a member of the company to meet the compliance or regulatory
obligations; and/or
(3) suspend, transfer or close your account(s) where permitted under local laws.
7. Validity and accuracy of information submitted
(1) Submission of True and Accurate Information – You must submit to us information including Personal
Data which is
true and accurate and not misleading, and you must keep it up to date and inform us of changes as soon as
practicable.
We reserve the right to request for documentation to verify information provided by you.
(2) Voluntary Submission of Personal Data – We will only be able to collect your Personal Data if you
voluntarily submit
the information to us. If you choose not to submit your Personal Data to us or subsequently withdraw your consent to
our
use of your Personal Data, we may not be able to provide you with some or all of the services available through the
App.
8. Your data rights
You can exercise your rights under the applicable laws, the details are as follows:
(1) Right to access your personal data;
(2) the right to withdraw your consent that has been given to us at any time pursuant to the methods and
means
prescribed by you;
(3) the right to rectify your inaccurate personal data and to update your incomplete personal data.
The exercise of the aforementioned rights must be carried out in writing by email to the following email address: chakritjuntawong1@gmail.com.
After the application has been submitted in the aforementioned terms, we will issue the adopted determination.
9. Modification
We may change or update this privacy policy from time to time and we will inform you of the updated version as soon
as
possible. You can view the latest version of this privacy policy on the App.
10. How to contact us
If you have any questions or would like more details about our Policy or would like to exercise your rights, please
contact us through chakritjuntawong1@gmail.com with the following information:
• Your name and account name;
• The time and date of such transactions or changes;
• Error description and reference code (if applicable);
• Contact name and address, including email address (if any).
We will immediately investigate any errors or unusual activities reported and will inform you of the results as soon
as
possible.
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