Privacy Policy

1. Introduction

Thcosmosgrid ("we", "our", or "us") is committed to protecting your personal information. This Privacy Policy explains what data we collect, how we use it, and your rights in relation to that data. It applies to all individuals who interact with our website at thcosmosgrid or participate in our programs at our premises located at 55/11 Sukhumvit Soi 55 (Thonglor), Khlong Tan Nuea, Watthana, Bangkok 10110, Thailand.

By using our website or engaging with our services, you acknowledge that you have read and understood this policy. If you have questions, please contact us at [email protected].

2. Information We Collect

We may collect the following categories of personal information:

• Contact details — name, email address, and telephone number submitted via our enquiry form or during program registration.
• Communication records — emails and messages you send to us for the purpose of responding to your enquiries.
• Program participation data — information relevant to the programs you attend, such as session notes relevant to advisory services (Multi-Goal Financial Coordination).
• Website usage data — anonymised technical data collected via cookies and analytics tools, including pages visited, time on site, browser type, and approximate location. See our Cookie Policy for details.

We do not collect sensitive financial data such as account numbers, investment portfolios, or tax identification numbers through our website. Any financial context shared during advisory sessions is handled under separate confidentiality arrangements disclosed to participants before sessions begin.

3. How We Use Your Information

We use the personal information we collect for the following purposes:

• To respond to your enquiries and communicate about our programs.
• To process program registrations and coordinate session schedules.
• To send you relevant information about upcoming programs or updates you have expressed interest in receiving. You may withdraw your consent at any time.
• To improve the quality of our website and educational content through anonymised analytics.
• To comply with applicable legal and regulatory obligations under Thai law.

We do not use your personal information to make automated decisions that significantly affect you, nor do we use it for profiling purposes beyond the scope described above.

4. Legal Basis for Processing

We process your personal information on the following bases:

• Your consent — where you have voluntarily provided your details via our contact form or opted in to communications.
• Contractual necessity — where processing is required to deliver a program you have registered for.
• Legitimate interests — for internal operational purposes such as website analytics, where such interests are not overridden by your rights.
• Legal obligation — where we are required to retain or disclose information to comply with Thai law.

5. Data Sharing and Third Parties

We do not sell your personal data to third parties. We may share your information with:

• Service providers who assist us in operating our website or delivering communications (for example, email delivery services), where such providers are contractually bound to protect your data.
• Analytics providers (where you have accepted analytics cookies) on an anonymised basis.
• Regulatory authorities or law enforcement where we are required to do so under applicable Thai law.

We do not transfer your personal information outside of Thailand without ensuring appropriate safeguards are in place.

6. Data Retention

We retain personal information only for as long as necessary to fulfil the purpose for which it was collected, or as required by law. In practice:

• Enquiry and contact form data is retained for up to 24 months following your last interaction with us.
• Program participation records are retained for up to five years for operational and compliance purposes.
• Website analytics data is retained in anonymised form and subject to the retention policies of the relevant analytics platform.

7. Your Rights

Under the Personal Data Protection Act B.E. 2562 (2019) (PDPA) of Thailand, you have the following rights with respect to your personal data:

• Right to be informed — to know what data we hold about you and how it is used.
• Right of access — to request a copy of the personal data we hold about you.
• Right to rectification — to request correction of inaccurate or incomplete data.
• Right to erasure — to request deletion of your data where there is no longer a legitimate basis for us to hold it.
• Right to restrict processing — to request that we limit how we use your data in certain circumstances.
• Right to data portability — to receive your data in a structured, commonly used format where technically feasible.
• Right to object — to object to processing carried out on the basis of legitimate interests.
• Right to withdraw consent — to withdraw consent you have previously given, without affecting the lawfulness of processing prior to withdrawal.

To exercise any of these rights, please contact us by email at [email protected] or by telephone at +66 2 714 3592. We will respond within 30 days of receiving your request.

8. Data Security

We take reasonable technical and organisational measures to protect your personal information against unauthorised access, loss, alteration, or disclosure. These measures include secure data transmission protocols for our website and restricted access to personal data within our organisation.

No method of data transmission or storage is entirely without risk. If you have reason to believe your interaction with us has been compromised, please contact us immediately.

9. Cookies

Our website uses cookies to support its functionality and to collect anonymised usage data where you have given consent. For a full description of the cookies we use and how to manage your preferences, please see our Cookie Policy.

10. Children's Privacy

Our programs and website are directed at adults. We do not knowingly collect personal data from individuals under the age of 20 without verifiable parental or guardian consent. If you believe we may have inadvertently collected information from a minor, please contact us and we will take prompt steps to delete it.

11. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. The most recent version will always be available on this page, with the effective date indicated at the top. We encourage you to review this policy periodically.

12. Contact

For any questions, concerns, or requests related to this Privacy Policy, please reach out to us:

• Email: [email protected]
• Telephone: +66 2 714 3592
• Address: 55/11 Sukhumvit Soi 55 (Thonglor), Khlong Tan Nuea, Watthana, Bangkok 10110, Thailand