Information We Collect

SpotNext Digital collects various types of information when you use our budget optimization platform. This includes personal identification details you provide during account registration, such as your name, email address, and contact information. We also gather financial data that you input for budget analysis, including income sources, expense categories, and spending patterns.

Additionally, our system automatically collects technical information about your device and how you use our services. This helps us improve functionality and provide better budget optimization recommendations tailored to your specific financial situation.

How We Use Your Information

Your personal and financial information serves specific purposes within our budget optimization ecosystem. We analyze your spending patterns to generate personalized recommendations that help you achieve better financial outcomes. This analysis happens through automated systems that identify trends and suggest improvements to your budget allocation.

Communication represents another key use of your information. We send account updates, budget alerts, and educational content that relates to your financial goals. These communications can be customized based on your preferences, and you maintain full control over what types of messages you receive from us.

Data Protection and Security

Protecting your financial information requires multiple layers of security measures. We implement industry-standard encryption protocols for all data transmission and storage. Your sensitive information travels through secure channels and remains encrypted even when stored on our servers.

Our security infrastructure includes regular monitoring for unauthorized access attempts, automated backup systems, and restricted access controls. Only authorized personnel with legitimate business needs can access your personal information, and all access gets logged for security auditing purposes.

In accordance with Thailand's Personal Data Protection Act (PDPA), we maintain comprehensive records of data processing activities and conduct regular assessments of our security measures. Our incident response procedures ensure rapid action if any security concerns arise.

Your Rights and Choices

As a user of SpotNext Digital, you possess several important rights regarding your personal information. You can request access to all data we have collected about you, including detailed records of how this information has been used within our platform.

Data portability allows you to obtain copies of your information in standard formats. If you decide to switch to another budget management service, we can provide your data in ways that make the transition smoother. You also have the right to correct any inaccurate information in your profile or financial records.

Account deletion removes your personal information from our active systems within 90 days. Some data may remain in backup systems for up to one year before complete removal, but this information becomes inaccessible for normal business operations immediately upon deletion request.

International Data Transfers

SpotNext Digital operates primarily within Thailand, but some technical infrastructure may involve international data transfers. When your information crosses borders, we ensure adequate protection through approved transfer mechanisms and contractual safeguards.

Our cloud service providers maintain data centers in multiple regions, and we select partners based on their compliance with international privacy standards. Any third-party processors handling your data must agree to protection levels equivalent to Thai PDPA requirements.

For transfers outside Thailand, we rely on adequacy decisions, standard contractual clauses, or other legally approved mechanisms. You can request specific information about where your data is processed and what safeguards apply to international transfers.

Cookies and Tracking Technologies

Our platform uses various tracking technologies to enhance your budget management experience. Essential cookies enable core functionality like maintaining your login session and remembering your dashboard preferences. These cannot be disabled without affecting basic platform operations.

Analytics cookies help us understand how users interact with different features, allowing us to identify areas for improvement. We also use functional cookies to remember your settings and provide personalized recommendations based on your budget patterns.

You can control cookie preferences through your browser settings or our cookie management interface. Disabling certain cookies may limit some platform features, but core budget optimization tools will continue to function properly.

Third-Party Integrations

SpotNext Digital integrates with various financial institutions and service providers to offer comprehensive budget optimization. These partnerships allow automatic transaction importing, enhanced categorization, and better spending insights for our users.

When you connect external accounts, we establish secure, read-only connections that respect both your privacy preferences and our partners' security requirements. We do not store your banking passwords or authentication credentials from these external services.

Each third-party integration operates under strict data sharing agreements that limit how your information can be used. Partners cannot access your complete financial profile – only the specific data necessary for their integration functionality.

Data Retention and Deletion

Different types of information have varying retention periods based on legal requirements and business needs. Account information remains active as long as you maintain your SpotNext Digital account, plus an additional two years to handle any potential disputes or technical issues.

Financial transaction data gets retained for five years to support long-term budget analysis and trend identification. This extended retention helps provide more accurate spending predictions and better financial recommendations over time.

Marketing communications and usage analytics have shorter retention periods, typically lasting 24 months unless you specifically request earlier deletion. System logs and security records follow legal requirements and may be retained for up to seven years for audit purposes.

Updates to This Policy

This privacy policy gets updated periodically to reflect changes in our services, legal requirements, or privacy practices. Significant changes will be communicated through email notifications sent to your registered address, along with prominent notices on our platform.

Minor updates, such as clarifications or formatting improvements, may occur without specific notification. We recommend reviewing this policy every few months to stay informed about how your information is protected and used.

When substantial changes affect your rights or how we process your data, we may require explicit consent to continue using our services under the updated terms. You always have the option to delete your account if you disagree with policy modifications.