Who We Are and What This Covers

Turboenergylight operates as a personal financial planning consultancy based in Thailand. We work with individuals who want practical guidance on managing their finances, retirement planning, and building long-term financial security.

This policy covers information collected through our website (turboenergylight.com), consultations, email communications, and any services we provide. It applies whether you're browsing our site, requesting information, or working with us as a client.

Information We Collect

Information You Provide Directly

When you reach out or work with us, we collect what you share:

• Contact details like name, email address, phone number, and mailing address
• Financial information relevant to planning (income sources, assets, debts, retirement accounts)
• Personal circumstances affecting your financial situation (family status, career plans, major life events)
• Goals and concerns you want to address through financial planning
• Communication preferences and feedback about our services

Information Collected Automatically

Our website collects basic technical information:

• IP address and general location data
• Browser type and device information
• Pages visited and time spent on our site
• Referring website or search terms used to find us

We use standard cookies for basic site functionality and analytics. You can disable cookies through your browser settings, though some features may not work properly.

How We Use Your Information

We use your information for specific purposes related to providing financial planning services:

We don't use your financial information for marketing purposes. We don't sell or rent your data to anyone.

When We Share Information

We keep your information private except in these specific situations:

Service Providers

We work with a few external providers who help run our business. This includes our email hosting service, document storage system, and website hosting. These providers can only access information needed for their specific function and are contractually required to protect it.

Legal Requirements

We'll disclose information if required by Thai law, court order, or government investigation. We'll notify you about such requests unless legally prohibited from doing so.

With Your Permission

If you ask us to share information with your accountant, lawyer, or other professionals, we'll do that. We'll always confirm the details with you first.

Your Rights and How to Exercise Them

Under Thailand's PDPA, you have several rights regarding your personal data. Here's what they mean practically:

To exercise any of these rights, email us at support@turboenergylight.com with your request. We'll verify your identity and respond within 30 days. There's no fee unless your request is clearly excessive or repetitive.

How We Protect Your Information

Financial data needs serious protection. Here's what we do:

• All data transmission uses TLS encryption (the same technology banks use)
• Client files are stored in encrypted cloud storage with restricted access
• We use two-factor authentication for accessing client information systems
• Physical documents are kept in locked filing cabinets at our office
• Staff access is limited to information needed for their specific role
• Regular security audits and software updates to address vulnerabilities

That said, no system is completely immune to security breaches. If we discover any unauthorized access to client data, we'll notify affected individuals within 72 hours and take immediate steps to address the situation.

How Long We Keep Information

We keep different types of information for different periods:

• Active Client Records: For the duration of our working relationship plus seven years after, as required by Thai financial services regulations
• Inquiry Information: If you contact us but don't become a client, we keep basic contact information for two years in case you return
• Financial Plans and Analysis: Retained for seven years after the last consultation to meet regulatory requirements
• Website Analytics: Aggregated and anonymized after 26 months
• Email Communications: Maintained for the duration of the client relationship plus seven years

When retention periods expire, we securely delete digital records and shred physical documents. You can request earlier deletion, though we may need to retain certain records for legal compliance.

International Data Transfers

Our primary operations are in Thailand, where your data is stored and processed. Some of our service providers (like email hosting) may process data on servers located outside Thailand, including in Singapore and the United States.

When we use international service providers, we ensure they offer adequate data protection through:

• Standard contractual clauses approved for international data transfers
• Verification that the provider has appropriate security measures
• Regular review of their privacy and security practices

Your data receives the same level of protection regardless of where it's physically stored.

Children's Privacy

Our services are designed for adults managing their finances. We don't knowingly collect information from anyone under 18. If you're a parent reviewing financial planning options for a minor child's future, the information we collect relates to you as the parent or guardian, not the child.

Changes to This Policy

We review this privacy policy annually and update it when our practices change or regulations require it. When we make significant changes, we'll notify active clients by email and post the updated policy on our website with a new effective date.

Continuing to use our services after changes take effect means you accept the updated policy. If you disagree with changes, contact us to discuss your concerns or discontinue using our services.