Privacy Policy

1. Introduction

Mali Capital Co., Ltd. ("we", "our", or "us") is committed to handling your personal information carefully and transparently. This Privacy Policy explains what data we collect when you interact with our website or enquire about our financial education programmes, how we use it, and the choices you have.

This policy applies to all personal data collected through malicapi.club and through direct communications with our team. By using our website or contacting us, you acknowledge that you have read this policy.

If you have questions, please write to us at [email protected].

2. Information We Collect

We collect the following categories of personal data:

• Contact information: name, email address, and telephone number — provided when you submit an enquiry form or contact us directly.
• Enquiry details: the content of any message you send us regarding our programmes or services.
• Usage data: standard website analytics, including pages visited, browser type, and approximate location, collected via cookies where consent is given.
• Programme enrolment data: if you enrol in a programme, we collect the information needed to manage your participation.

We do not collect sensitive financial data, identification documents, or banking details through this website.

Legal basis for processing: we process your data on the basis of your consent (where given), the performance of a contract (enrolment), and our legitimate interest in responding to enquiries and improving our services. Data retention: enquiry data is held for up to 24 months; programme participation records for up to 5 years in line with Thai tax and business record requirements.

3. How We Use Your Information

We use the personal data we collect to:

• Respond to your enquiries and provide information about our programmes.
• Process and manage programme enrolments.
• Send programme-related communications (session reminders, materials).
• Improve our website and course content based on usage patterns.
• Comply with legal obligations under Thai law.

We do not sell your personal data to any third party. We do not use your data for automated decision-making that produces legal or significant effects.

If you have given consent to receive our occasional email updates about new programmes, you may withdraw that consent at any time by replying to any such email or writing to [email protected].

4. Data Protection Measures

We take reasonable technical and organisational steps to protect personal data from unauthorised access, loss, or disclosure. These include:

• Encrypted data transmission (HTTPS) for all website interactions.
• Access controls limiting who within our organisation can access personal data.
• Regular review of data storage and access practices.
• Prompt notification procedures in the event of a data breach, in line with Thailand's PDPA requirements.

No method of internet transmission or electronic storage is entirely secure. We take reasonable precautions but cannot warrant absolute security.

5. Cookies

Our website uses cookies to support basic functionality and, where consent is given, to understand how visitors use the site. Cookies used include:

• Essential cookies: required for the website to function correctly. These cannot be disabled.
• Analytics cookies: used with your consent to understand site usage patterns.
• Preference cookies: used to remember your cookie consent choices.

For full details and to manage your preferences, please see our Cookie Policy.

6. Your Rights Under Thai PDPA

Under Thailand's Personal Data Protection Act B.E. 2562 (2019), you have the following rights regarding your personal data:

• Right to access: request a copy of the personal data we hold about you.
• Right to rectification: request correction of inaccurate or incomplete data.
• Right to erasure: request deletion of your data where there is no lawful reason to retain it.
• Right to restrict processing: request that we limit how we use your data in certain circumstances.
• Right to data portability: receive your data in a structured, commonly used format.
• Right to object: object to processing based on legitimate interest.
• Right to withdraw consent: withdraw consent for processing at any time without affecting past lawful processing.

To exercise any of these rights, contact us at [email protected]. We will respond within 30 days. If you are dissatisfied with our response, you have the right to lodge a complaint with Thailand's Personal Data Protection Committee (PDPC).

7. Third-Party Links

Our website may include links to external websites or resources. We are not responsible for the privacy practices of those sites and recommend reviewing their privacy policies independently before sharing personal data.

8. Age of Our Participants

Our programmes are designed for adults aged 40 and above. We do not knowingly collect personal data from individuals under 18 years of age. If we become aware that a minor has submitted data through our website, we will delete it promptly.

9. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will update the "Last Updated" date at the top of this page. For significant changes, we will provide a more prominent notice. Continued use of our website after any changes constitutes acceptance of the updated policy.

10. Contact Us

Data Controller: Mali Capital Co., Ltd.

167 Witthayu Road, Lumphini, Pathum Wan, Bangkok 10330, Thailand

Email: [email protected]

Telephone: +66 2 615 9347