Privacy Policy

1. Introduction

Coin Fern ("we," "our," or "us") is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, store, and protect information about participants in our financial education programs.

We understand that financial education involves discussing personal financial circumstances, and we take our responsibility to protect your privacy seriously. This policy applies to all information collected through our website, program enrollment processes, educational sessions, and related communications.

2. Information We Collect

2.1 Personal Information

When you inquire about or enroll in our programs, we collect:

• Name and contact information (email address, phone number, mailing address)
• Age or date of birth (to ensure age-appropriate program placement)
• Professional background or employment status (optional, for context)
• Financial goals and learning objectives (to tailor instruction appropriately)

2.2 Financial Information

During educational sessions, participants may choose to share financial information for the purpose of practical exercises and personalized guidance. This may include information about budgets, savings goals, debt situations, or retirement planning considerations. Sharing specific financial details is always voluntary, and participants control what information they wish to disclose.

2.3 Website Usage Information

We collect standard website usage data through cookies and similar technologies, including IP addresses, browser type, pages visited, and time spent on our site. This helps us improve our website and understand how visitors interact with our content.

3. How We Use Your Information

We use collected information for the following purposes:

• Program Delivery: To provide educational services, schedule sessions, and communicate program-related information
• Personalized Instruction: To tailor our teaching approach to your learning needs and financial education goals
• Communication: To respond to inquiries, send program updates, and provide relevant educational resources
• Service Improvement: To evaluate and enhance our educational programs based on participant feedback
• Legal Compliance: To meet regulatory requirements and protect our legal rights

Legal Basis for Processing: We process your personal data based on your consent when you enroll in our programs, our legitimate interest in providing quality educational services, and contractual necessity to deliver the programs you've registered for.

4. Data Sharing and Third Parties

We do not sell or rent your personal information to third parties. We may share limited information with:

• Service Providers: Trusted third-party vendors who assist with website hosting, email communications, and payment processing. These providers are contractually obligated to protect your information and use it only for specified services.
• Legal Requirements: Government authorities or legal entities when required by law or to protect our rights and safety.

We do not share participant information with marketing companies or unrelated third parties. Any financial information discussed during educational sessions remains confidential and is not shared outside the specific educational context.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction:

• Secure server infrastructure with encryption for data transmission
• Access controls limiting who can view participant information
• Regular security assessments and updates to our systems
• Secure storage of physical documents containing personal information
• Staff training on data protection and confidentiality

While we take reasonable precautions to protect your data, no internet-based system is completely secure. We cannot guarantee absolute security but remain committed to maintaining robust protective measures.

6. Data Retention

We retain personal information for as long as necessary to fulfill the purposes outlined in this policy:

• Active Participants: Information is retained throughout your program participation and for a reasonable period afterward to provide ongoing support and resources
• Former Participants: We retain basic contact information and program completion records for up to 5 years for record-keeping purposes
• Inquiries: Contact information from general inquiries is retained for 2 years to facilitate future communications

After retention periods expire, we securely delete or anonymize personal information. You may request earlier deletion by contacting us at [email protected].

7. Cookies and Tracking

Our website uses cookies to enhance your browsing experience and analyze site usage. Cookies are small text files stored on your device. We use:

• Essential Cookies: Required for basic website functionality and security
• Analytics Cookies: Help us understand how visitors use our site to improve content and navigation
• Preference Cookies: Remember your settings and preferences for future visits

You can control cookie settings through your browser preferences. Disabling cookies may affect some website functionality. For detailed information about our cookie usage, please see our Cookie Policy.

8. Your Rights

Under Thai data protection regulations and international standards, you have the following rights regarding your personal information:

• Right to Access: Request copies of the personal information we hold about you
• Right to Rectification: Request correction of inaccurate or incomplete information
• Right to Erasure: Request deletion of your personal information under certain circumstances
• Right to Data Portability: Receive your data in a structured, commonly used format
• Right to Object: Object to processing of your personal information for specific purposes
• Right to Withdraw Consent: Withdraw previously given consent at any time
• Right to Lodge a Complaint: Contact Thai data protection authorities if you have concerns about our data practices

To exercise any of these rights, please contact us at [email protected]. We will respond to your request within 30 days.

9. Children's Privacy

Our programs are designed for adults aged 18 and above. We do not knowingly collect personal information from individuals under 18. If we become aware that we have inadvertently collected information from someone under 18, we will take steps to delete it promptly.

10. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. When we make significant changes, we will notify you via email or by posting a prominent notice on our website. The "Last Updated" date at the top of this policy indicates when it was most recently revised.

We encourage you to review this policy periodically to stay informed about how we protect your information. Continued use of our services after policy changes indicates acceptance of the updated terms.

11. International Data Transfers

Your information is primarily stored and processed in Thailand. In some cases, our service providers may process data in other countries. When transferring data internationally, we ensure appropriate safeguards are in place to protect your information in accordance with applicable data protection laws.

12. Contact Information

If you have questions about this Privacy Policy or how we handle your personal information, please contact us: