1. Introduction

ExpatWell Thailand (“ExpatWell”, “we”, “us”, or “our”) is operated by its owner, who acts as the data controller for personal data collected through this website.

We respect your privacy and are committed to protecting your personal data.

This Privacy Policy explains how we collect, use, disclose, store, and protect personal data when you visit our website, use our calculators or assessment tools, submit information through our forms, contact us, or request information or consultation regarding insurance, financial planning, investment, or related services.

We process personal data in accordance with applicable data protection laws, including Thailand’s Personal Data Protection Act B.E. 2562 (2019) (“PDPA”), where applicable.

2. Personal Data We May Collect

Depending on the services, calculators, forms, or consultation requests you use, we may collect personal data that you voluntarily provide, including:

• Identity and demographic information, such as full name, date of birth, age, gender, nationality, and residency status.

• Contact information, such as email address, mobile number, LINE contact details, or other contact information you provide.

• Professional information, such as occupation, occupation category, or occupation class.

• Insurance-related information, such as type of enquiry, product or plan of interest, coverage needs, sum assured, deductible, estimated premium, and other information relevant to an insurance needs assessment or illustration.

• Financial and planning information, such as financial goals, investment objectives, protection needs, preferences, and information voluntarily provided for financial or insurance planning.

• Calculator and form information, including information entered into premium calculators, life-cover needs calculators, needs-assessment tools, quotation or illustration requests, and consultation forms.

• Consent and submission information, including records of acknowledgment or consent where applicable, date or time of submission, and the website form or calculator through which information was submitted.

• Communication records, including information provided when communicating with us through email, LINE, website forms, or other communication channels.

We seek to collect only personal data reasonably necessary for the relevant purpose. Please do not provide personal or sensitive information that has not been requested or is not necessary for the service you are requesting.

3. Sensitive Personal Data

Certain information, particularly information concerning health or medical conditions, may constitute sensitive personal data under applicable law.

We do not ask visitors to submit detailed medical records or unnecessary sensitive personal data through this website.

Where health or other sensitive personal data is required for an insurance application, underwriting, suitability assessment, or other regulated process, such information may need to be provided through the appropriate insurer, financial institution, service provider, or other authorized process.

If we are required to process sensitive personal data, we will do so only where an appropriate legal basis exists and will obtain explicit consent where required by applicable law.

4. How We Use Personal Data

We may use personal data for purposes including:

• processing calculations or assessments requested through the website;

• responding to enquiries and consultation requests;

• understanding your stated insurance, protection, financial, or investment needs;

• providing information about relevant products or services;

• preparing or facilitating insurance illustrations, estimates, or needs assessments;

• arranging consultations and responding to follow-up requests;

• facilitating contact with appropriate insurers, financial institutions, investment platforms, asset managers, or authorized service providers where relevant;

• maintaining appropriate business and service records;

• operating, maintaining, securing, and improving our website and services; and

• complying with applicable legal, regulatory, professional, or lawful authority requirements.

We will not use personal data for a materially incompatible purpose without an appropriate legal basis.

5. Legal Bases for Processing

Depending on the circumstances and purpose, we may process personal data on one or more applicable legal bases, including:

• your consent, where consent is required;

• taking steps at your request before entering into a contract or providing a requested service;

• performing contractual obligations;

• complying with legal or regulatory obligations; and

• legitimate interests where permitted by law and where such interests are not overridden by your rights and interests.

Where processing is based on consent, you may withdraw that consent in accordance with applicable law. Withdrawal of consent does not affect processing lawfully carried out before the withdrawal.

6. Sharing and Disclosure of Personal Data

We do not sell your personal data.

Where reasonably necessary for the purposes described in this Privacy Policy, personal data may be disclosed to or processed by relevant third parties, which may include:

• insurance companies;

• asset management companies;

• securities companies or investment platforms;

• financial institutions;

• professional or regulatory service providers;

• website, hosting, technology, communication, and data-processing providers; and

• government authorities, regulators, courts, or other parties where disclosure is required or permitted by law.

Information will be shared only to the extent reasonably necessary for the relevant purpose and subject to applicable legal requirements.

Submitting information through this website does not constitute an application for, approval of, or acceptance into any insurance, investment, or financial product.

Any application or transaction remains subject to the applicable provider’s requirements, suitability assessment, underwriting, eligibility criteria, product terms, exclusions, conditions, and approval process.

7. Service Providers and Website Infrastructure

This website is built and hosted using Framer.

Information submitted through certain ExpatWell website forms and calculators may be transferred to and stored using Google services, including Google Sheets, for purposes such as managing enquiries, calculator submissions, consultation requests, and prospective-client records.

We may also use third-party technology, communication, hosting, or data-processing providers where reasonably necessary to operate the website and provide requested services.

Such providers may process personal data on our behalf in connection with the services they provide.

Some service providers may process or store information outside Thailand. Where applicable, we will take appropriate steps regarding cross-border transfers in accordance with applicable data-protection requirements.

8. Website Analytics and Cookies

The website may use Framer’s built-in analytics to understand general website usage and performance.

According to Framer, its built-in analytics does not use cookies or persistent identifiers to identify individual website visitors.

If we introduce third-party analytics, advertising, tracking technologies, or other services that use cookies or similar technologies in the future, this Privacy Policy and any required consent mechanisms may be updated accordingly.

9. Data Retention

We retain personal data only for as long as reasonably necessary for the purposes for which it was collected, including providing requested services, maintaining appropriate business records, resolving enquiries or disputes, and meeting applicable legal or regulatory requirements.

Retention periods may vary depending on the nature of the information and the purpose for which it is processed.

When personal data is no longer reasonably required, it may be deleted, destroyed, or anonymized, subject to applicable legal or regulatory requirements.

10. Data Security

We take reasonable organizational and technical measures designed to protect personal data against unauthorized access, use, disclosure, alteration, loss, or destruction.

However, no website, internet transmission, electronic storage system, or method of communication can be guaranteed to be completely secure.

11. International Data Transfers

Some technology or service providers used in operating this website may process or store information outside Thailand.

Where personal data is transferred internationally, we will take reasonable and appropriate measures to address applicable data-protection requirements.

12. Your Rights

Subject to applicable law and any relevant exceptions, you may have rights regarding your personal data, including the right to:

• request access to your personal data;

• request correction of inaccurate or incomplete data;

• request deletion or destruction of personal data where applicable;

• request restriction of processing;

• object to certain processing;

• request data portability where applicable;

• withdraw consent where processing is based on consent; and

• lodge a complaint with the relevant supervisory authority.

Certain rights may be limited where retention or processing is required or permitted by applicable law, regulation, contractual obligation, or other lawful basis.

To exercise your rights, please contact us using the details below.

13. Third-Party Websites and Services

This website may contain links to websites or services operated by third parties, including insurers, financial institutions, investment platforms, social media services, or other providers.

We are not responsible for the privacy practices or content of third-party websites or services. You should review the applicable privacy policy of the relevant third party before providing personal information to them.

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our website, services, technology, business practices, or applicable legal requirements.

The latest version will be published on this page together with the updated “Last updated” date.

15. Contact Us

If you have questions about this Privacy Policy, wish to exercise your rights regarding your personal data, or have concerns about how your personal data is handled, please contact:

ExpatWell Thailand
Email: contact@expatwellthailand.com