{"id":6048,"date":"2026-03-20T15:04:36","date_gmt":"2026-03-20T08:04:36","guid":{"rendered":"https:\/\/qrtec.co.th\/privacy-policy-pico-finance\/"},"modified":"2026-03-31T10:32:15","modified_gmt":"2026-03-31T03:32:15","slug":"privacy-policy-pico-finance","status":"publish","type":"page","link":"https:\/\/qrtec.co.th\/en\/pico-finance\/privacy-policy-pico-finance\/","title":{"rendered":"Privacy Policy"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"6048\" class=\"elementor elementor-6048 elementor-5472\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8b84c89 e-flex e-con-boxed e-con e-parent\" data-id=\"8b84c89\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c72b9e0 animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"c72b9e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomIn&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Privacy Policy<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-552003d animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"552003d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomIn&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">company focused on developing Digital Communication and Financial Technology solutions<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-97fde14 e-flex e-con-boxed e-con e-parent\" data-id=\"97fde14\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-54ac93b elementor-widget elementor-widget-heading\" data-id=\"54ac93b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Privacy Policy and Personal Data Protection<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9627798 elementor-widget elementor-widget-text-editor\" data-id=\"9627798\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">QR Technologies Company Limited (\u201cthe Company\u201d or \u201cwe\u201d) places the utmost importance on the protection of personal data of users of the \u201cOunjai Cash\u201d 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\u2019 personal data in accordance with the Personal Data Protection Act (PDPA) and other relevant laws and regulations.<\/span><\/p><p><span style=\"font-weight: 400;\">By using the Ounjai Cash application, you acknowledge that you have read, understood, and consented to the Company\u2019s 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.<\/span><\/p><p><span style=\"font-weight: 400;\">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.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f02098b elementor-widget elementor-widget-text-editor\" data-id=\"f02098b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol><li><b> Collection of Personal Data<\/b><\/li><\/ol><p><span style=\"font-weight: 400;\">We collect your personal data for the purpose of improving the efficiency and performance of our application services, including but not limited to:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Identity Information (e.g., first name, last name)<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Contact Information (e.g., email address, telephone number)<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Technical Information (e.g., IP address, cookies)<br \/><br \/><\/span><\/li><\/ul><ol start=\"2\"><li><b> Purpose of Data Processing<\/b><\/li><\/ol><p><span style=\"font-weight: 400;\">The Company processes your personal data based on consent or other lawful bases for the following purposes:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">To verify your identity for accessing the application<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">To analyze user behavior in order to improve and develop new features<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">To send service-related notifications (Push Notifications)<br \/><br \/><\/span><\/li><\/ul><ol start=\"3\"><li><b> Data Subject Rights<\/b><\/li><\/ol><p><span style=\"font-weight: 400;\">Under the PDPA, you have the right to access, rectify, transfer, or withdraw consent at any time via the \u201cSettings\u201d menu within the application.<\/span><\/p><p><span style=\"font-weight: 400;\">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 \u201cLaws\u201d), this Privacy Policy is established to define and explain the processing of personal data by the Ounjai Cash application (hereinafter referred to as the \u201cData Controller\u201d or \u201cwe\u201d).<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0c06f80 elementor-widget elementor-widget-heading\" data-id=\"0c06f80\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Regulatory Information<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-589a15e elementor-widget elementor-widget-text-editor\" data-id=\"589a15e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Developer Legal Entity:<\/b><span style=\"font-weight: 400;\"> QR Technologies Company Limited<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Licensed Service Provider:<\/b><span style=\"font-weight: 400;\"> QR Technologies Company Limited<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>License Type:<\/b><span style=\"font-weight: 400;\"> Pico Finance (Microfinance License)<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>License Number:<\/b><span style=\"font-weight: 400;\"> 67\/2563<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Regulatory Authority:<\/b><span style=\"font-weight: 400;\"> Fiscal Policy Office (FPO), Ministry of Finance<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Regulator Website:<\/b> <a href=\"https:\/\/www.1359.go.th\/picodoc\/pico_public\/\"><span style=\"font-weight: 400;\">https:\/\/www.1359.go.th\/picodoc\/pico_public\/<\/span><\/a><br \/><br \/><\/li><\/ul><p><span style=\"font-weight: 400;\">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.<\/span><\/p><p><span style=\"font-weight: 400;\">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.<\/span><\/p><p><span style=\"font-weight: 400;\">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.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-24d51e8 elementor-widget elementor-widget-heading\" data-id=\"24d51e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Purpose and Scope<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c82595 elementor-widget elementor-widget-heading\" data-id=\"3c82595\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Consent and Authorization<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-caad5b0 elementor-widget elementor-widget-text-editor\" data-id=\"caad5b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">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.<\/span><\/p><p><span style=\"font-weight: 400;\">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.<\/span><\/p><p><span style=\"font-weight: 400;\">If you do not agree with this Policy or any part thereof, please refrain from accessing or using any part of our platform.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ecd9bb3 elementor-widget elementor-widget-heading\" data-id=\"ecd9bb3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">User Rights<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-02c8c6f elementor-widget elementor-widget-text-editor\" data-id=\"02c8c6f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">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.<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Right to access your personal data<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Right to rectify inaccurate or incomplete data<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Right to erasure (right to be forgotten)<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Right to object to processing<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Right to opt-out of direct marketing<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f985e42 elementor-widget elementor-widget-heading\" data-id=\"f985e42\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Information We Collect<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d5ecd3d elementor-widget elementor-widget-text-editor\" data-id=\"d5ecd3d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">We collect information that you provide when completing application forms or through communications with us via telephone, email, complaint channels, or other means.<\/span><\/p><p><b>1.1 Identity Information<\/b><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Full name<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Date of birth<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Gender<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Country or region of residence<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Telephone number<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Email address<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency contact details<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Occupation<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Education level<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Valid identification documents<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Receiving bank account information<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Biometric data (facial image)<br \/><br \/><\/span><\/li><\/ul><p><b>1.2 Employment and Financial Information<\/b><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Employment details<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Salary<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Education level<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bank account details<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Account type<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bank card number<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d306195 elementor-widget elementor-widget-heading\" data-id=\"d306195\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Data Retention and Protection\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9672f56 elementor-widget elementor-widget-text-editor\" data-id=\"9672f56\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">All data is protected using 256-bit SSL security certificates and transmitted via encrypted HTTPS connections to our servers.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-03dd394 elementor-widget elementor-widget-heading\" data-id=\"03dd394\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Cookies<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f0a3e1f elementor-widget elementor-widget-text-editor\" data-id=\"f0a3e1f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Privacy Policy company focused on developing Digital Communication and Financial Technology solutions Privacy Policy and Personal Data Protection QR Technologies Company Limited (\u201cthe Company\u201d or \u201cwe\u201d) places the utmost importance on the protection of personal data of users of the \u201cOunjai Cash\u201d application, adhering to the principles of transparency, security, and strict compliance with applicable [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":6215,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-6048","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/qrtec.co.th\/en\/wp-json\/wp\/v2\/pages\/6048","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/qrtec.co.th\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/qrtec.co.th\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/qrtec.co.th\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/qrtec.co.th\/en\/wp-json\/wp\/v2\/comments?post=6048"}],"version-history":[{"count":17,"href":"https:\/\/qrtec.co.th\/en\/wp-json\/wp\/v2\/pages\/6048\/revisions"}],"predecessor-version":[{"id":7791,"href":"https:\/\/qrtec.co.th\/en\/wp-json\/wp\/v2\/pages\/6048\/revisions\/7791"}],"up":[{"embeddable":true,"href":"https:\/\/qrtec.co.th\/en\/wp-json\/wp\/v2\/pages\/6215"}],"wp:attachment":[{"href":"https:\/\/qrtec.co.th\/en\/wp-json\/wp\/v2\/media?parent=6048"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}