Privacy Policy - สินเชื่อพิโก้

Last updated: June 9, 2025

1. Introduction

Welcome to สินเชื่อพิโก้. This Privacy Policy describes how we collect, use, store, and disclose your information when you use our loan services through our app, which is available to users in Thailand. Your privacy is very important to us, and we are committed to protecting your personal data in accordance with applicable data protection laws.

2. Company Information

Company Name: SAHAPAIBOON TALAAD THAI QUICK CASH PICO LIMITED PARTNERSHIP
Company Address: 32/363 Moo 9 1 Floor KHLONG LUANG PATHUM THANI 12120 Thailand
Registered No: 0133563001226
Email: [email protected]

3. Information We Collect

• Identity Information: Full name, national ID number, date of birth, and selfie verification photos.
• Device Information: Device model, operating system, device ID, IP address, screen resolution, and network status.
• Usage Data: Click behavior, in-app navigation, crash logs, and session duration.
• Location Data: Approximate location derived from IP address (if permitted).
• Financial Information: Bank account details, loan records, repayment history, and payment channels used.

4. How We Use Your Information

• To process and evaluate your loan application.
• To verify your identity and prevent fraudulent activity.
• To perform credit scoring and risk assessments.
• To facilitate disbursement and repayment transactions.
• To improve user experience and app functionality.
• To comply with legal obligations and regulatory requests.

5. Legal Basis for Processing

We process your personal data based on one or more of the following legal grounds:

• Your explicit consent;
• Contractual necessity to provide you with the loan services;
• Our legitimate interests (e.g., fraud prevention, analytics);
• Legal obligations under Thai financial regulations.

6. Retention of Data

Your data is retained for as long as necessary to fulfill the purposes outlined in this policy. Typically, we store loan records and identification documents for up to 5 years after the completion of the last loan agreement, or longer where required by law.

7. Sharing of Data

We may share your information with the following third parties:

• Licensed credit bureaus and financial partners.
• Third-party service providers involved in data storage, analytics, or payment processing.
• Regulatory or governmental agencies when legally required.

8. Data Security

We use encryption, firewalls, secure server environments, and access controls to protect your data. However, no method of transmission or storage is 100% secure. In case of any data breach, we will notify users as required by law.

9. Your Rights

You have the right to:

• Access your personal data we hold
• Request correction or deletion of your data
• Withdraw consent at any time (if processing is based on consent)
• Lodge a complaint with the relevant Thai data protection authority

10. Children's Privacy

สินเชื่อพิโก้ does not provide services to individuals under the age of 18. We do not knowingly collect personal data from minors. If we discover that such data has been collected, we will take appropriate steps to delete it.

11. Updates to This Policy

We may update this Privacy Policy periodically. If any material changes are made, users will be notified via the app interface or through other communication channels.

12. Contact Us

If you have any questions about this Privacy Policy, please contact us at: [email protected]