FIN4LUCK
Cookie Policy
Effective Date : 9 October 2025
หัวข้อที่คุณอาจสนใจ
Introduction
Data We Collect
How We Use Your Data
Legal Bases for Processing
Data Retention
Data Disclosure and Third-Party Access
Cross-Border Data Transfers
Data Security
Your Rights under PDPA
Cookies and Tracking Technologies
Marketing Communications
Children’s Data
Changes to This Policy
Contact Us
Welcome to FIN4LUCK (“we,” “our,” or “the Company”).We value your privacy and are committed to protecting your personal data in accordance with Thailand’s Personal Data Protection Act B.E. 2562 (PDPA) and applicable international standards.
This Privacy Policy explains how we collect, use, disclose, and protect your personal data when you access our website, mobile applications, or financial services related to secured lending using collateralized assets such as land title deeds, gold, or other acceptable forms of security. By accessing our services, you consent to the practices described in this policy.
This Privacy Policy explains how we collect, use, disclose, and protect your personal data when you access our website, mobile applications, or financial services related to secured lending using collateralized assets such as land title deeds, gold, or other acceptable forms of security. By accessing our services, you consent to the practices described in this policy.
1. Personal Identification Data
We may collect the following personal information when you register, apply for a loan, or contact us:
Full name, date of birth, gender, nationality
Identification number (Citizen ID or Passport)
Contact details (address, phone number, email)
Occupation, company name, and position
2. Financial and Collateral Information
To assess and process loan applications, we may collect:
Bank account and transaction details
Income statements, tax documents, and credit information
Collateral details such as land title deed numbers, gold valuation documents, and property photos or surveys
Loan history and repayment behavior
3. Digital and Technical Information
When you use our website or app, we automatically collect:
IP address, device information, and browser type
Cookies, usage logs, and interaction data
Location data (when consented)
4. Sensitive Data (where required by law)
We may collect sensitive data such as biometric data (facial recognition or signature verification) only when necessary for:
Identity verification (e-KYC)
Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF) compliance
We process your data only for lawful and legitimate purposes, including:We will not sell, rent, or trade your personal data to third parties.s
Evaluating and approving loan applications
Conducting due diligence, credit assessment, and collateral valuation
Preparing loan contracts, mortgage registration, or asset custody documents
Performing KYC and AML checks
Managing customer relationships and post-loan monitoring
Sending transaction alerts, payment reminders, and service updates
Improving our website, mobile app, and customer experience
Complying with regulatory obligations (e.g., Bank of Thailand, SEC, AMLO)
We collect and process your personal data under the following legal grounds:
Consent: when you voluntarily provide data for loan applications or marketing.
Contractual necessity: to perform obligations under a loan agreement or related services.
Legal obligation: to comply with PDPA, AML, BOT, and tax regulations.
Legitimate interests: to enhance customer experience and safeguard against fraud.
We retain your personal data for as long as necessary to:
Fulfill the purposes stated in this Policy, or
Comply with legal and regulatory requirements (usually at least 10 years after loan closure).
After the retention period, data will be securely deleted or anonymized.
We may share your data with:
Regulatory authorities: such as the Bank of Thailand, Anti-Money Laundering Office (AMLO), or Revenue Department
Credit bureaus: for credit scoring and risk assessment
Legal and valuation partners: lawyers, land officers, and asset appraisers
Payment service providers: to process transactions securely
IT service providers and hosting platforms supporting our website and data infrastructure
All third parties are bound by strict confidentiality and data protection agreements.In some cases, we may transfer data to service providers or servers located outside Thailand (e.g., cloud hosting). Such transfers will be conducted under PDPA-compliant safeguards and, where applicable, GDPR-aligned data protection standards.
We implement administrative, technical, and physical safeguards to protect your information, including:
Data encryption (at rest and in transit)
Secure Sockets Layer (SSL/TLS) technology
Multi-factor authentication (MFA) for system access
Regular vulnerability assessments and penetration testing
Strict employee access control and training on PDPA compliance
All third parties are bound by strict confidentiality and data protection agreements.You have the following rights:
Access and obtain a copy of your personal data
Request correction of inaccurate or incomplete data
Request deletion or anonymization of data no longer needed
Withdraw consent where applicable (without affecting prior lawful processing)
Object to certain types of processing
Data portability to transfer data to another service provider
Requests can be made via email to privacy@fin4luck.co.th and will be processed within 30 days.With your consent, we may send promotional materials, special offers, or financial tips related to FIN4LUCK services. You may opt out anytime via email or website settings.
Our services are intended for individuals aged 20 and above.We do not knowingly collect personal data from minors. If you believe a child has submitted data, please contact us for immediate deletion.
We may update this Privacy Policy periodically to reflect legal or operational changes.Updates will be posted on our website with a revised effective date.
If you have questions, concerns, or wish to exercise your data rights, please contact:
FIN4LUCK Co., Ltd.
Address : 160/3 Moo 10 Somrong, Phrapradaeng, Samutprakarn 10130
