Privacy Policy
Overview
Thai Budget is a free, independent educational project. We don't sell user data, run advertising, or earn commissions on financial products.
We've prepared this Privacy Policy to inform you about the limited collection, use, and disclosure of personal data on this site, in accordance with the Personal Data Protection Act B.E. 2562 (PDPA) and related Thai law.
We don't require you to create an account, and we don't ask for your name, email, or other personal information to use the tools on this site.
Data Controller
Thai Budget is an independent educational project operated by Marcus Fey, based in Chiang Mai, Thailand. For purposes of this Privacy Policy, Thai Budget is the data controller for any personal data processed through this website.
Contact: info@thaibudget.org
What personal data we may process
Depending on how you use the site, the following limited information may be processed:
- Website usage data: pages viewed, country, device type, and similar aggregate analytics.
- Technical data: information processed by hosting, security, font, and analytics providers (such as IP address, browser, device, and request logs).
- AI tool input: any text you choose to enter into the AI Goal Analyzer.
- Browser storage: calculator inputs saved in your own browser via localStorage on some pages.
- Email contact: your email address and message if you choose to write to us.
We don't intentionally collect national ID numbers, bank account numbers, passwords, or other sensitive personal information.
Purposes and lawful bases
We process personal data only as needed to:
- operate and secure the website;
- provide calculators and educational tools;
- remember calculator inputs on your own device when localStorage is used;
- understand which content is useful and improve the site through privacy-friendly analytics;
- process AI Goal Analyzer requests when you choose to use that tool;
- respond when you contact us by email.
Depending on the activity, the lawful basis for processing may include our legitimate interests, your consent, or the necessity of processing to provide a tool or respond to a request you make.
AI Goal Analyzer
When you use the AI Goal Analyzer, the text you enter is sent through a Cloudflare Worker to OpenAI's API (ChatGPT) to generate a response. We don't save your input in our own database.
However, your input may be processed and temporarily retained by Cloudflare and OpenAI according to their own terms. OpenAI states that data sent through its API is not used to train its models by default, but may be retained for up to 30 days for abuse monitoring, or longer if required by law.
Please don't enter sensitive personal information such as your full legal name, national ID number, passport number, bank account or credit card numbers, passwords, or detailed health or financial records when using the AI tool.
Cookies, localStorage, and similar technologies
We don't use advertising or marketing cookies. Some calculators may save your inputs in your browser's localStorage so you can return to them later. This data stays on your device and is not sent to us.
Analytics and infrastructure providers may process limited technical information (such as device, browser, country, and request data) to operate and secure the site. You can clear cookies and localStorage through your browser settings at any time.
Service providers and disclosure
We don't sell or rent personal data. We share limited data only as needed to operate the site, with reputable service providers including:
- Umami Cloud (analytics)
- Cloudflare (security and the AI tool proxy)
- OpenAI (AI Goal Analyzer processing)
- Google (Fonts; document hosting for some downloadable worksheets)
When you click links to third-party services, you become subject to their own privacy policies.
International transfers
Some of the providers above process data outside Thailand. When you use the parts of the site that depend on them, your data may be processed in other countries (such as the United States or the European Union) under those providers' own terms and protections. We rely on the safeguards offered by reputable providers and on your consent when you choose to use these features.
Retention
We keep personal data only as long as reasonably necessary for the purposes above.
- Aggregate analytics data is kept according to the retention practices of our analytics provider, with no full IP addresses stored.
- AI Goal Analyzer input is not stored in our own database, but may be temporarily retained by Cloudflare and OpenAI according to their policies.
- Calculator inputs in localStorage remain on your own device until you clear them.
- Email messages are kept only as long as needed to respond and keep reasonable records.
Security
We use HTTPS and rely on reputable infrastructure providers (Cloudflare, Umami, OpenAI, Google) for the limited data we transmit. We use reasonable technical and organizational measures appropriate for a small educational site. No website transmission is completely secure, so please avoid sending sensitive information through this site or by email unless necessary. We will notify users of any incident affecting personal data within the timeframes required by Thai law.
Children and young users
Thai Budget is an educational website that may be viewed by students, teachers, and young users. We don't intentionally collect personal data from children. Young users should not enter sensitive personal information into the AI tool or send such information through our contact channel. Parents, guardians, or teachers should guide young users when appropriate.
Your rights under the PDPA
Subject to the conditions in Thai law, you may have the right to:
- request access to your personal data;
- request a copy of it;
- request correction of inaccurate or incomplete data;
- request deletion, destruction, or anonymization;
- request restriction of processing;
- object to certain processing;
- withdraw consent where processing is based on consent;
- request data portability where applicable;
- lodge a complaint with the Personal Data Protection Committee (PDPC) if you believe your rights have been violated.
To exercise any of these rights, contact us at info@thaibudget.org. We aim to respond within 30 days, or as required by Thai law. We may need to verify your identity before responding.
Contact
If you have questions about privacy, contact us at info@thaibudget.org.
Terms of Use
Educational use only and not investment advice
All content, tools, calculators, and worksheets on Thai Budget are provided for general education and information only. They are not personal financial, legal, tax, or investment advice.
Thai Budget is offered free of charge. We don't charge fees, sell products, accept paid sponsorships, run advertising, or receive commissions or referral payments for any financial products mentioned on the site. Thai Budget does not provide securities advice, investment advisory services, insurance brokerage, loan brokerage, or other regulated financial advice as defined by the Securities and Exchange Act B.E. 2535 or related Thai law.
Nothing on this site is a recommendation, offer, solicitation, or instruction to buy, sell, hold, borrow, invest in, or insure through any specific product, company, fund, security, cryptocurrency, insurance policy, lender, or financial institution.
If you need advice tailored to your situation, please consult a licensed professional.
No professional relationship
Reading this site, downloading worksheets, using the calculators, or using the AI Goal Analyzer does not create a financial advisor, legal advisor, tax advisor, investment advisor, insurance broker, lender, fiduciary, or other professional-client relationship between you and Thai Budget.
Calculator results
The calculators on this site produce estimates based on the values you enter, common formulas, and the assumptions noted on each page. Real results may differ depending on lender terms, changing interest rates, fees, taxes, and other factors.
AI Goal Analyzer outputs
Outputs from the AI Goal Analyzer are generated by a third-party language model (OpenAI's ChatGPT) and may be inaccurate, incomplete, or out of date. They are not financial advice. Use them as a starting point for your own thinking, not as the sole basis for important decisions.
Your responsibility
Any financial decisions you make after using this site are your own responsibility. We encourage you to consider decisions carefully and to consult a qualified professional before making major financial choices.
Use of worksheets and downloads
The downloadable worksheets on this site are free for personal, family, church, school, and community use. You may print, share, and teach with them at no cost. We ask only that you do not sell them or modify them in ways that distort the original content.
External links
This site may link to third-party websites. We do not control, and are not responsible for, the content, accuracy, or policies of those sites.
Acceptable use
You agree not to misuse the site, interfere with its operation, attempt to access systems without permission, submit unlawful or harmful content, scrape or copy content at scale without permission, or use the AI tool in a way that violates the law or the rights of others.
Accuracy and changes
We try to provide helpful and accurate educational information, but we don't guarantee that all content is complete, current, error-free, or suitable for your situation. Financial rules, rates, products, fees, and market conditions can change. Please verify important information before making decisions.
Not for emergencies
This site is not an emergency, crisis, legal, or financial-rescue service. If you face immediate danger, fraud, abuse, legal action, or urgent financial harm, contact the appropriate authority, lawyer, bank, or licensed professional directly.
Limitation of liability
To the fullest extent permitted by Thai law, Thai Budget is provided on an "as is" basis without warranties of any kind, express or implied, including accuracy, fitness for a particular purpose, or uninterrupted availability.
To the fullest extent permitted by Thai law, the operators of Thai Budget will not be liable for any direct, indirect, incidental, consequential, or other damages arising from the use of, or inability to use, the content on this site.
Governing law
These Terms of Use, and any dispute arising from your use of Thai Budget, are governed by the laws of the Kingdom of Thailand, without regard to conflict-of-law principles.
Changes to these terms
We may update this Privacy Policy and Terms of Use from time to time. The "Last updated" date at the top of this page reflects the most recent revision. Continued use of the site after changes means you accept the updated terms.
Contact
If you have questions about these terms, contact us at info@thaibudget.org.