Privacy Policy

company focused on developing Digital Communication and Financial Technology solutions

Privacy Policy and Personal Data Protection

QR Technologies Company Limited (“the Company” or “we”) places the utmost importance on the protection of personal data of users of the “Ounjai Cash” application, adhering to the principles of transparency, security, and strict compliance with applicable laws and regulations. This Privacy Policy is established to explain the guidelines for the collection, use, disclosure, and processing of users’ personal data in accordance with the Personal Data Protection Act (PDPA) and other relevant laws and regulations.

By using the Ounjai Cash application, you acknowledge that you have read, understood, and consented to the Company’s collection, use, and processing of your personal data as described in this Policy. Such consent is given voluntarily, explicitly, and may be withdrawn at any time in accordance with your rights as a data subject.

The Company shall collect and use personal data only as necessary and for lawful purposes, and shall not disclose such data to third parties without your consent, except where required by law.

  1. Collection of Personal Data

We collect your personal data for the purpose of improving the efficiency and performance of our application services, including but not limited to:

  • Identity Information (e.g., first name, last name)
  • Contact Information (e.g., email address, telephone number)
  • Technical Information (e.g., IP address, cookies)

  1. Purpose of Data Processing

The Company processes your personal data based on consent or other lawful bases for the following purposes:

  • To verify your identity for accessing the application
  • To analyze user behavior in order to improve and develop new features
  • To send service-related notifications (Push Notifications)

  1. Data Subject Rights

Under the PDPA, you have the right to access, rectify, transfer, or withdraw consent at any time via the “Settings” menu within the application.

In accordance with applicable personal data protection laws and relevant regulations, including privacy notice guidelines and other applicable legal requirements (collectively referred to as the “Laws”), this Privacy Policy is established to define and explain the processing of personal data by the Ounjai Cash application (hereinafter referred to as the “Data Controller” or “we”).

Regulatory Information

  • Developer Legal Entity: QR Technologies Company Limited
  • Licensed Service Provider: QR Technologies Company Limited
  • License Type: Pico Finance (Microfinance License)
  • License Number: 67/2563
  • Regulatory Authority: Fiscal Policy Office (FPO), Ministry of Finance
  • Regulator Website: https://www.1359.go.th/picodoc/pico_public/

By using the Ounjai Cash application, you are deemed to have accepted this Privacy Policy and have provided explicit, informed, and transparent consent to the collection and processing of your personal data.

You further represent and warrant that you have given consent to all matters stated herein and have authorized us to process your personal data for the specified purposes.

Prior to using this service, you acknowledge and agree that, within the scope permitted by law, the platform is required to collect, use, share, disclose, and upload your personal data through the website. However, without your consent, we will not disclose or share your personal data with any third party, and you may contact us to request deletion of your personal data as specified in this Policy.

Purpose and Scope

Consent and Authorization

Use of the Ounjai Cash application constitutes your acceptance of this Privacy Policy and your voluntary, explicit, and informed consent to the collection, use, and processing of your personal data.

You further confirm that you have agreed to all contents of this Policy and have authorized us to process your personal data for the purposes specified herein. In this regard, you acknowledge that you have carefully read and understood the terms, conditions, and scope of this Policy as published through the Ounjai Cash application. By accepting these terms, you formally consent to entering into a business relationship with us under the stated terms and conditions.

If you do not agree with this Policy or any part thereof, please refrain from accessing or using any part of our platform.

User Rights

You have the right to review, correct, delete your personal data, or request restriction of processing at any time by contacting our customer service or through the contact channels specified in this Policy.

  • Right to access your personal data
  • Right to rectify inaccurate or incomplete data
  • Right to erasure (right to be forgotten)
  • Right to object to processing
  • Right to opt-out of direct marketing

Information We Collect

We collect information that you provide when completing application forms or through communications with us via telephone, email, complaint channels, or other means.

1.1 Identity Information

  • Full name
  • Date of birth
  • Gender
  • Country or region of residence
  • Telephone number
  • Email address
  • Emergency contact details
  • Occupation
  • Education level
  • Valid identification documents
  • Receiving bank account information
  • Biometric data (facial image)

1.2 Employment and Financial Information

  • Employment details
  • Salary
  • Education level
  • Bank account details
  • Account type
  • Bank card number

Data Retention and Protection

All data is protected using 256-bit SSL security certificates and transmitted via encrypted HTTPS connections to our servers.

Cookies

Cookies are small data files commonly used as anonymous unique identifiers. These are sent to your browser from the websites you visit and stored on your device.