Privacy Policy

Lotus Finance is committed to handling the personal information of our learners and visitors with care and transparency. This policy explains what data we collect, how we use it, and the rights you hold over your information.

Lotus Finance operates from 156 Ratchadamri Road, Lumphini, Pathum Wan, Bangkok 10330, Thailand. We are the data controller for all personal data processed in connection with our courses and website.

1. Scope of This Policy

This policy applies to personal data collected through our website, enrollment forms, email communications, and any optional conversations with our program guides. It does not apply to third-party websites linked from our pages.

2. Data We Collect

Information you provide directly

• Name and email address (collected when you submit an enquiry form)
• Phone number (optional, if provided in a contact form)
• Message content from enquiry or contact forms
• Payment details processed through our payment provider (we do not store card numbers)

Information collected automatically

• Browser type and device information
• Pages visited and time spent on the site
• Referring URL
• Cookie data (see our Cookie Policy for full details)

3. Legal Basis for Processing

We process personal data on the following legal bases under the Thailand Personal Data Protection Act B.E. 2562 (PDPA):

• Consent — For marketing communications and optional cookies, where you have actively agreed.
• Contract — To fulfill our obligations when you enroll in a course.
• Legitimate interests — To improve our website and respond to general enquiries, where this does not override your rights.

4. How We Use Your Data

• To respond to enquiries and provide information about our courses
• To process course enrollment and deliver course materials
• To send course-related communications (confirmation, updates, support)
• To improve the quality of our website and course content through analytics
• To comply with legal obligations where required

We do not use your personal data to build advertising profiles or sell it to third parties.

5. Data Sharing

We share data only in the following limited circumstances:

• Service providers — Payment processors and email delivery services that help us operate our courses. These providers are bound by data processing agreements and may only process data on our instructions.
• Legal requirements — Where disclosure is required by Thai law or a court order.

We do not sell, rent, or trade your personal information to any third party for commercial purposes.

6. Data Retention

We retain personal data for as long as necessary for the purposes outlined above:

• Enquiry data: up to 12 months from last contact
• Enrollment data: for the duration of your course access plus 3 years for administrative records
• Analytics data: aggregated and anonymised after 26 months

7. Data Security

We maintain appropriate technical and organisational measures to protect your personal data against unauthorised access, alteration, disclosure, or destruction. These include encrypted data transmission (HTTPS), access controls, and periodic security reviews.

If we become aware of a data breach that is likely to result in a risk to your rights and freedoms, we will notify the relevant supervisory authority within 72 hours as required by the PDPA.

8. Cookies

Our website uses cookies to function and to understand how it is used. For a full explanation of the cookies we use and how to manage your preferences, please see our Cookie Policy.

9. Your Rights

Under the PDPA, you have the following rights in relation to your personal data:

• Right of access — Request a copy of the personal data we hold about you.
• Right to rectification — Request that we correct inaccurate or incomplete data.
• Right to erasure — Request deletion of your data where we no longer have a lawful basis for processing it.
• Right to data portability — Request your data in a structured, machine-readable format.
• Right to object — Object to processing based on legitimate interests.
• Right to withdraw consent — Where processing is based on consent, you may withdraw it at any time without affecting the lawfulness of prior processing.

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

If you believe your rights have not been respected, you may lodge a complaint with the Thailand Personal Data Protection Committee.

10. Third-Party Links

Our website may include links to third-party websites. We are not responsible for the privacy practices of those sites and encourage you to review their policies independently.

11. Children's Privacy

Our courses are designed for adults aged 40 and above. We do not knowingly collect personal data from individuals under the age of 18. If we become aware that we have collected such data, we will delete it promptly.

12. Changes to This Policy

We may update this policy from time to time to reflect changes in our practices or legal requirements. The most recent version will always be available on this page. Continued use of our website after changes are posted constitutes acceptance of the updated policy.

13. Contact

For any questions about this policy or about how we handle your data, please contact:

Lotus Finance
156 Ratchadamri Road, Lumphini, Pathum Wan, Bangkok 10330
Email: [email protected]
Phone: +66 2 645 8372