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Santapay is fully committed to upholding the privacy and security of our users' personal information, in accordance with The Personal Data Protection Act B.E. 2562 (2019) (“PDPA”) which is designed to safeguard personal data of individuals. This Privacy Policy outlines the manner in which we collect, utilize, and divulge your personal information, as it pertains to your use of our BNPL (Buy Now Pay Later) service.

1. Information we collect
We may collect the following types of personal information from you

• Contact information, such as your name, email address, phone number, and mailing address.
• Financial information, such as your bank account details.
• Transaction information, such as details about your purchases made using our service.
• Technical information, such as your IP address, device type, and browser type.
• Other information you provide to us voluntarily, such as your feedback or survey responses.

In addition, we may collect information through cookies and similar technologies. Cookies are small text files that are placed on your device when you visit our website or use our mobile app. We may use cookies to personalize your experience with our service, analyze your use of our service, and serve you targeted advertisements. You can control the use of cookies through your browser settings.

We may also retrieve metadata from your mobile device, such as information about the operating system, hardware, and software used. This information is collected to improve our service and diagnose technical issues.

2. How we use your information
We may use your personal information for the following purposes:

• To provide and improve our BNPL service and related products and services.
• To process and facilitate your transactions and purchases.
• To communicate with you about our service, including providing customer support and responding to your inquiries.
• To verify your identity and prevent fraud and other illegal activities.
• To personalize and customize your experience with our service.
• To conduct research and analysis to improve our service and develop new products and services.
• To comply with legal and regulatory requirements.

We may also use cookies, mobile app metadata, and other technical information to analyze data and improve our service. For example, we may use this information to identify patterns and trends in user behavior, understand the effectiveness of our marketing efforts, and optimize our website and mobile app performance.

3. How we disclose your information
We may disclose your personal information to the following categories of third parties:

• Service providers and business partners who assist us in providing and improving our service, such as payment processors, fraud detection and prevention providers, and customer service providers.
• Merchants and other third-party sellers who provide the products or services you purchase using our service.
• Law enforcement agencies, government authorities, or other third parties as required by law or to protect our legal rights or the rights of others.
• Other third parties with your consent or at your direction.

4. Your choices and rights
You may have certain choices and rights regarding the use and disclosure of your personal information, such as:

• Opting out of certain communications or marketing activities.
• Accessing, correcting, or deleting your personal information.
• Restricting or objecting to certain types of processing of your personal information.
• Withdrawing your consent to the processing of your personal information.

Please note that some of these choices and rights may be limited by applicable law or our legitimate interests.

5. Data retention and security
We will retain your personal information for as long as necessary to fulfill the purposes for which it was collected, or as required by law. We take reasonable and appropriate measures to protect your personal information from unauthorized access, use, or disclosure.

Data retention and security: We want to assure you that we take your privacy seriously and will only keep your personal information for as long as necessary to fulfill the purposes for which it was collected, or as required by law. We have implemented reasonable and appropriate measures to protect your personal information from unauthorized access, use, or disclosure. This means that we use industry-standard security measures, such as encryption technology and access controls, to protect your personal information.

6. Changes to this Privacy Policy
We may need to update this Privacy Policy from time to time to reflect changes in our services or to comply with applicable laws and regulations. When we do make changes to this Privacy Policy, we will post a revised version on our website. We encourage you to periodically review this Privacy Policy to stay informed about how we are protecting your personal information.

7. Contact us
If you have any questions or concerns about this Privacy Policy, our privacy practices, or if you wish to delete your user account, please don't hesitate to contact us by sending an email to support@santapay.com. We will do our best to provide you with the information and assistance you need to feel comfortable with how we are handling your personal information.