We get it. Privacy policies are usually boring and full of legal jargon. But your data belongs to you, and you deserve to know what happens to it.
This policy explains how Terminal Next Hub collects, uses, and protects your personal information when you use our zero-based budgeting platform. We've tried to keep things straightforward because transparency builds trust.
Who We Are
Terminal Next Hub operates from Thailand and provides budgeting education and tools for people who want better control over their finances. Our service helps you track spending, plan budgets, and understand where your money actually goes each month.
If you have questions about this policy or how we handle data, you can reach us at [email protected] or visit our office at 50/817 Soi B1 Project 6, Muang Thong Thani, Nonthaburi 11120, Thailand.
What Information We Collect
Information You Give Us Directly
When you create an account or use our services, we collect:
- Your name and email address for account creation
- Financial goals and budget categories you set up
- Transaction data you manually enter into the system
- Payment information when you subscribe to paid features
- Messages you send through our contact forms or support channels
Information We Collect Automatically
Like most websites, we gather some technical data when you visit:
- IP address and general location data
- Browser type and device information
- Pages you visit and features you use
- Time spent on different sections of the platform
- Referring websites and search terms that brought you here
We don't connect to your bank accounts or financial institutions. All budget and transaction data is manually entered by you. This means we only see what you choose to share.
How We Use Your Information
Everything we collect serves specific purposes. Here's the breakdown:
Primary Uses of Your Data
- Providing the budgeting tools and educational content you signed up for
- Processing your payments and maintaining your subscription
- Sending important updates about your account or our service
- Answering questions when you contact our support team
- Improving our platform based on how people actually use it
- Preventing fraud and keeping accounts secure
Marketing Communications
We'll occasionally send emails about new features, educational content, or budgeting tips. You can opt out anytime by clicking the unsubscribe link in any email. Account-related messages still get sent because you need those to use the service properly.
Data Storage and Security
Your information lives on secure servers with encryption both in transit and at rest. We use industry-standard security measures including SSL certificates, encrypted databases, and regular security audits.
Server Location
Our primary servers are located in secure data centers with 24/7 monitoring and redundant backups to prevent data loss.
Access Controls
Only authorized team members can access user data, and they only see what's necessary to help you or maintain the service.
Payment Security
We use Stripe for payment processing. Your credit card details never touch our servers—they go directly to Stripe's PCI-compliant system.
No system is completely bulletproof, but we take security seriously. If there's ever a data breach that affects your information, we'll notify you within 72 hours as required by privacy regulations.
Sharing Your Information
We don't sell your data. Period. But we do share information with a few trusted partners who help us run the service:
Service Providers
- Payment processors (Stripe) to handle subscriptions
- Email service providers to send account notifications
- Cloud hosting companies where our servers live
- Analytics tools to understand how people use the platform
These partners can only use your data for the specific services they provide to us. They can't use it for their own purposes or share it further.
Legal Requirements
Sometimes we have to share information because the law requires it. This happens if we receive a valid court order, need to prevent fraud, or have to protect someone's safety. We'll always notify you unless we're legally prohibited from doing so.
Your Rights and Choices
Your data belongs to you. Here's what you can do with it:
Data Rights Under Thailand Law
- Access: Request a copy of all personal data we have about you
- Correction: Update or fix any inaccurate information
- Deletion: Ask us to delete your account and associated data
- Portability: Get your data in a format you can use elsewhere
- Objection: Stop us from processing your data for specific purposes
- Withdrawal: Remove consent you previously gave
How to Exercise These Rights
Email us at [email protected] with your request. We'll respond within 30 days. For account deletion, you can also do this directly from your account settings.
When you delete your account, we remove all personal information within 90 days. We keep some anonymous usage data for analytics, but it can't be traced back to you.
Data Retention
We keep your information as long as your account is active. After you close your account:
- Personal details get deleted within 90 days
- Financial records we're legally required to keep stay for 7 years (tax purposes)
- Anonymized usage data may stick around indefinitely for product improvements
- Email correspondence gets archived for 3 years to help resolve any disputes
Cookies and Tracking
Our website uses cookies—small files stored on your device that help the site work properly and remember your preferences.
Types of Cookies We Use
- Essential cookies: Required for the site to function (login, security)
- Functional cookies: Remember your settings and preferences
- Analytics cookies: Help us understand how people use the site
You can disable cookies in your browser settings, but some features won't work properly if you do. Most browsers let you block third-party cookies while keeping functional ones.
International Data Transfers
Our servers are primarily in Thailand, but some service providers operate globally. When your data crosses borders, we ensure adequate protection through:
- Standard contractual clauses approved by privacy authorities
- Verification that receiving countries have adequate privacy laws
- Additional security measures for sensitive information
If you're outside Thailand and concerned about data transfers, contact us to discuss specific protections.
Children's Privacy
Our service isn't designed for anyone under 18. We don't knowingly collect information from children. If you're a parent who discovers your child created an account, let us know and we'll delete it immediately.
Changes to This Policy
We update this policy occasionally as our service evolves or regulations change. When we make significant changes, we'll email active users and post a notice on the website for 30 days.
The "Last Updated" date at the top shows when the current version took effect. Continuing to use Terminal Next Hub after changes means you accept the updated policy.
Compliance with Thailand Law
We comply with Thailand's Personal Data Protection Act (PDPA) which came into full effect in 2022. This law gives Thai residents specific rights over their personal data, including the right to access, correct, and delete information.
As a company operating in Thailand, we follow these principles:
- Collecting only data necessary for our services
- Obtaining clear consent before processing personal information
- Keeping data secure and confidential
- Allowing you to exercise your data rights easily
- Being transparent about how we use information
Questions or Concerns?
Privacy shouldn't be confusing. If something in this policy doesn't make sense or you have specific questions about your data, reach out.
Email: [email protected]
Phone: +66 2 961 8891
Address: 50/817 Soi B1 Project 6, Muang Thong Thani, Nonthaburi 11120, Thailand