# Terms & Conditions Learn about DeeMoney's Terms & Conditions for international money transfers. **By logging into the system**, the service users (*“You”*) agree to comply with the **Terms and Conditions of Use** (*“Terms and Conditions of Use”*) hereinafter set forth including those specifically set forth in any part of this application. In this regard, you understand and agree that the **Terms and Conditions of Use** are subjected to be changed without prior notice. Any change to the **Terms and Conditions of Use** shall be posted in this application. When you access this application after such change has been made, it shall be deemed that you accept and agree with such **Terms and Conditions of Use**. Hence, you are responsible for regularly checking the **Terms and Conditions of Use**. If you do not agree or wish to reject to be bound by any **Terms and Conditions of Use**, please kindly exit and do not use this application. **Definition of Application**\ In these **Terms and Conditions of Use**, *“application”* shall mean *DeeMoney Mobile Application* provided by *Sawasdeeshop Company Limited* (*“DeeMoney”*) and/or application under any other name developed or customised by *DeeMoney* from this application for a third party, including but not limited to PC Computer version application, Website version application, Mobile version application and other electronic devices. **Our Terms and Conditions use the following definitions:** * *"Receiver"* refers to the person named as the beneficiary of the money transfer. * *"Sender"* refers to the person who initiated a money transfer through the *DeeMoney Service*. **1.Ownership and Intellectual Property** 1.1 Any materials contained in this application, including but not limited to, messages, contents, pictures, photos, information tables, exchange rate (if any), trademarks, graphics, audios, design of application screen, design of user-interface, any form of information, any programs, software include in or made available on or through the application (collectively referred to as *“Content”* or *“Contents”*) are owned by *DeeMoney* or the respective owner who grant a licence for use of those materials to *DeeMoney*. All of the *Contents* are protected by intellectual property and/or other forms of propriety rights under the laws of *Thailand* and/or other countries regardless of any form and whether or not registration has been made. In this regard, you are required to obtain prior written consent from *DeeMoney* before using trade names, trademarks, service marks and other logos owned by *DeeMoney* including any intellectual property included in or made available on or through this application for any purposes. 1.2 Except for the intellectual property owned by *DeeMoney*, all other trade names, product names, trademarks, service marks and other logos including any intellectual property included in or made available on or through this application are used in an editorial fashion or made available to use as part of this application for the purpose of decorating this application only. *DeeMoney*, as an application provider, has no intention of commercial or intellectual property infringement. 1.3 Unless otherwise indicated in this application, any *Contents*, files or documents provided on this application, you may only view, download, upload the *Contents* and print any document of the *Contents* for your own personal and non-commercial use. On this basis, you also agree to keep all contents pertaining to copyright and other rights of ownership that appear in this application. You may not copy, store or download either in hard copy, copy in electronics format or in any other forms for the purpose in transmit, transfer, perform, broadcast, publish, reproduce, create a derivative work from, display, distribute, sell, licence, rent, lease or otherwise transfer any of *Contents* to any third person whether for direct commercial or any gain or otherwise without the prior written permission from *DeeMoney*. **2.Disclaimer and Limitation of Liability** 2.1 This application is to disseminate exchange rate information and to facilitate international remittance only. *DeeMoney* is not in any way offering its recommendation or legal advice including trading or investment recommendation in relation to exchange rate contained in this application. Moreover, *DeeMoney* shall not be deemed to be your agent or representative and to be connected to any transaction with you that arises directly or as a result of access to this application whatsoever. The *Contents* contained in this application are presented based on *“as is”* basis without direct or indirect guarantees or warranties by *DeeMoney* of any kind. *DeeMoney* does not make any representations regarding the completeness, accuracy, recency or reliability of the *Contents* and information or any guarantees of a result and appropriate use of the *Contents* contained herein and use of this application. In no event shall *DeeMoney* be responsible for any loss or damage or any profit and loss arising from the use of this application and/or the use of *Contents* contained herein in any circumstance. 2.2 DeeMoney does not warrant that the access and use of this application shall be continued, uninterrupted or without delays or any errors. Moreover, DeeMoney does not warrant that the application shall be free of malicious programs which may cause damage to system or information in your system, for instance, viruses, Trojan horses or other harmful files (collectively referred to as “Defects”) regardless of whether such Defects are caused by human or electronic error or other events beyond its control. DeeMoney shall not be responsible for any damage or loss arising from such Defects in any circumstances. 2.3 DeeMoney reserves its rights not to grant you permission to use this application and may change or withdraw the application, in part or in whole, at any time without any prior notice or state of purposes in doing so. 2.4 Any and all Contents, including but not limited to, articles, details and/or information included in or made available on or through this application belong to each writer or author. DeeMoney is permitted to broadcast such Contents. The Contents, hyperlinks, pictures, photos and other matters, comments or opinions located herein shall be deemed as opinions or points of view of each writer or author and shall not be related or deemed to be agreed, accepted or supported by DeeMoney. 2.5 Unless otherwise specified under the Terms and Conditions of Use, DeeMoney, Directors, Managers, Executives, Officers, Employees, or Agents of DeeMoney shall not be liable for any fault or error of this application or information or Contents contained in this application and shall assume no responsibility in any omissions relating to this application whether in contract, tort, negligence or other consequences which might happen even if advised of the possibility of such damage. **3.Hyperlinks** The application contains links to third party sites (“Linked Sites”). Please note that hyperlinks from this application to Linked Sites are provided for your convenience only. These Linked Sites are not under the support or control or responsibility of DeeMoney. DeeMoney is not capable of approving for the correctness, reliability or security of the Linked Sites and shall not be liable for any of your loss or damage suffered from using or hyperlinking to such website. Also, you should study terms and conditions of use of the Linked Sites. **4.Privacy Notice** You are informed of the details regarding the collection, processing, and use of your personal data, as well as your rights as a data subject, all of which are specified in Deemoney's Privacy Notice. This notice covers the use of personal data from the beginning of the application process until registration to use the application. Deemoney would like to assure that: 4.1 You will be informed and/or provided with the convenience of understanding the details of personal data protection in accordance with DeeMoney's Privacy Notice. 4.2 During the registration process, DeeMoney will only use necessary and beneficial information for registration purposes, which includes but is not limited to: 4.2.1 Sending a One Time Password (OTP) via SMS to the phone number provided to confirm your identity as the registered user of the application. 4.2.2 Providing help, guidance, and support in registration-related inquiries and issues for DeeMoney application users based on the information provided. 4.2.3 Collecting government documents may include personal data that appears unnecessary, such as religious information. However, DeeMoney will only utilise the information provided during registration and will not use or take any actions with regards to any data deemed unnecessary that may become useful information. 4.2.4 Using your biometric data, DeeMoney will use this information specifically for the purpose of identity verification to use DeeMoney Service. 4.3 In conducting transactions, your data (recipient and sender) under the control of DeeMoney. DeeMoney will be careful to process your information. Disclosure or transfer of your information to individuals or legal entities will only occur as necessary for providing services, includes banks or other parties involved in the service, both domestically and internationally, and/or compliance with the law. DeeMoney recognises and prioritises the protection of personal information in accordance with the principles and standards of personal data protection as required by law. For more information, please refer to Deemoney's Privacy Notice via **5.Application Security Policy** DeeMoney has adopted security standard technology for internet transaction to protect your information when sending and receiving information via communication network and to prevent data theft from any unauthorized person or network which access to DeeMoney’s network, for instance, Firewall, Secured Socket Layer (SSL) code etc. **6.User Identification (User ID) and Password** 6.1 To use this application, you shall be required to have your own username (User ID) and password. You shall keep the username and password confidential. Any access or transaction arising from login using your username and password in this application shall constitute correct and complete action by you. In case of any damage for whatever reasons, you shall be responsible for all such actions. You further agree that you shall not object or demand DeeMoney to be responsible for the damages on your behalf. 6.2 You may change, suspend or cancel your username and password and/or the usage of this application at any time by yourself via any channels in accordance with the conditions and procedures prescribed by DeeMoney. DeeMoney shall assume no responsibility for any damage arising out prior to the effectiveness of the process of such suspending or terminating. **7.Violation of Terms and Conditions of Use** In the event that there is a violation of Terms and Conditions of Use, DeeMoney reserves its rights to suspend any access to or terminate any services rendered on this application without prejudice to DeeMoney’s rights to be indemnified under the Terms and Conditions of Use or any other rights under the relevant laws. **8.Services** 8.1. By completing and consenting to the information required to make a money transfer order and by accepting these Terms and Conditions, the Sender instructs DeeMoney to execute a specific money transfer in respect of such order, as accepted by DeeMoney, subject to these Terms and Conditions. Every individual money transfer order constitutes a separate agreement between DeeMoney and the Sender, which is limited to the execution of a specific money transfer in respect of such order only. We have no obligations to any other party. At no moment in time is a framework or master agreement concluded between DeeMoney and the Sender, which obliges DeeMoney to execute each and every individual and subsequent money transfer transaction. The Sender shall inform the Receiver of the money transfer accordingly. 8.2. Subject to statutory or regulatory requirements, Account-based transfers generally take up to 5 business days for regular money transfers. For some countries, the service may be delayed or other restrictions may apply. **9.Freeze / Cancel / Refund** 9.1. Subject to Applicable law prohibits money transmitters from doing business with certain individuals or countries; DeeMoney is required to screen all Transactions against lists of names provided by the governments of the countries and territories in which DeeMoney do business, including the US Treasury Department’s Office of Foreign Assets Control (OFAC), the European Union, and Anti Money Laundering Office (AMLO). If a potential match is identified, DeeMoney researches the Transaction to determine if the name matched is indeed the individual on the relevant list. For this purpose, DeeMoney is entitled to request from the Sender or the designated Receiver additional details and proof of identification which may cause the Transaction to be delayed. DeeMoney may, in certain circumstances also be required to freeze the amount of money received, where any refund of money received would constitute a violation of any applicable law (including regulations aimed at preventing fraud, money laundering or financing terrorism). 9.2. You have the right to request for cancellation of a money transfer order issued through the DeeMoney within 14 days. The request for cancellation must be notified to DeeMoney in writing email to . However, this right of cancellation does not apply if DeeMoney has already paid out the funds to the Receiver before DeeMoney received your cancellation notice. When you file cancellation prior to DeeMoney’s paid out the funds to the Receiver, DeeMoney will refund the original sending amount of the money transfer to you and DeeMoney will not charge any cancellation fees for this case. However, transfer service fee will not be refunded to you if the money transfer order has been cancelled by your request. 9.3. We will refund the amount of the money transfer to you at the DeeMoney’s exchange rate valid on the moment of the refund, however at least at the original value of the transfer amount as long as the fund has not been paid out to the Receiver. The method of refund is subjected to the discretion of DeeMoney, which usually credit back to the sender’s bank account. In some cases, a refund may need to be made at DeeMoney’s branch location. 9.4. DeeMoney is responsible to execute of the order of money transfer in accordance with this Terms and Conditions. This means that DeeMoney will refund the original sending amount and the service fee if transaction was failed or DeeMoney’s fault. **10.Governing Laws** The Terms and Conditions of Use shall be governed by the laws of Thailand. **11.Language** Any translation of this Terms & Conditions is provided solely for the Customer’s convenience and is not intended to amend or modify any provisions of the Terms & Conditions. In the event of a conflict of the Thai version and other language version, Thai version shall prevail.

# Privacy Notice DeeMoney protects your data. Learn more about the information we collect, how we use it, and your control options. We, Sawasdeeshop Company Limited (“The Company” or “DeeMoney”), has been always aware of the importance of personal data protection of the personal data subject (“you”), we therefore issue this Privacy Notice (“Notice”) to inform you of the details of personal data collection, use, exposure and transfer (“Data Processing”). For the purpose of this Notice “Personal Data” means any information relating to an individual that may identify, or may be identified, or that enables an individual to be identified, directly or indirectly. The Company gives great importance to and emphasizes on the protection of Personal Data, by realizing that the Data Processing in the Company must be carried out under the following principles: • Lawfulness, fairness and transparency: The Company will only process the data on the basis of which the Company has a legitimate base, and the Company will clearly determine the methods of collecting and using personal data. • Purpose limitation: The Company will only process the data for the purposes specified and notified at the time the Company receives the personal data, unless it is processed for a related purpose or for a performance of duty following a clear law. • Data minimization: The Company will collect and use Personal Data only to the extent necessary to achieve the purposes of data processing. • Accuracy: The Company will take reasonable steps to ensure that the collected Personal Data is accurate, complete, and up-to-date, and taking into account the purposes of the processing. • Storage limitation: The Company will keep the data as necessary unless the Company is required to keep it in order to meet the standards of document retention or government regulations. • Integrity and confidentiality: The Company will implement appropriate technical and organizational measures to ensure that the Personal Data collected by the Company is maintained at an appropriate level of security. • Accountability: The Company will take appropriate action to demonstrate that the Company has complied with the abovementioned principles. **This Notice applies to** This Notice covers the Data Processing of your Personal Data which you may have a status as follows : 1\) A customer, both directly making transactions with the Company and/or persons involved in the Company's transactions ("Products and Services"), either as a remittance sender or receiver in the relevant destination country or who has contacted a partner to transact with the Company. 2\) An individual or person who contacts the Company through various channels arranged by the Company for service, whether contacting at the Company's office, by phone, via the website or social media, etc. 3\) A company personnel, employee, staff, director of juristic persons, shareholder. 4\) Any other person with whom the Company collects personal data (such as a job applicant, a reference or a person adjacent to a job applicant's, a person authorized to sign on behalf of the partner company, a contractor or service provider with the company, a respondent to the survey or a person showing interest in using the company's services). **Direct data collection from the data subject.** The Company gives great importance to the collection of Personal Data directly from you. We are also aware of obtaining your consent as the subject of the Personal Data, which is the right to give consent to the Company's Data Processing as requested by the Company. You only need to acknowledge that providing incomplete personal data as requested by the company; or not giving consent to the collection, use, and disclosure of such Personal Data, may restrict your rights to use certain services. However, the Company may not require your consent, if the Data Processing is supported by another legitimate purpose (such as the need to perform a contract or the need to follow the law). In this case, if the Company is unable to process Personal Data, it may result in the Company being unable to provide services to you. In some cases, the Company may access data about your interests and/or preferences, and/or data about the use of various websites by using cookies on the Company website and applications. The cookies located on the website and the Company's application will record your data, and the Company will have access to such data. This is to allow the Company to offer services that meet your needs as much as possible. In all communications between you and the Company, whether by phone, email, company application, applications used for communication, customer service centre, or contact by any other means, the Company may record such communication for several purposes, such as, to use as evidence, to develop and improve the service, to track your satisfaction, to train personnel, to evaluate personnel performance, to analyse data, and to develop the company's system as well. **Data collection from other sources** In some cases, the Company may collect your data from other sources or obtain data disclosed by other parties, such as employees or customers. Data collected from other sources includes names, surnames, and phone numbers of emergency contacts, for example. In such case, the person who discloses your information to the Company certifies to the Company that you are aware of such disclosure and provide details of the Company relating to the Data Processing of such information according to this Notice. Apart from the data collection from other sources in the aforementioned cases, the Company may collect publicly available information such as public information or information disclosed by a government agency. In this case, the Company processes with due regard to the conditions and procedures stipulated in the law and this Notice. **Collected Personal Data** The company collects your data as necessary and according to its processing purposes. The information collected includes various types of data such as: Identity Data such as name, surname, nickname, middle name, gender, age, nationality, identifiable information on government-issued documents (such as ID card, driver's license, passport, and other documents of the same nature, etc.), a photograph of the person's face or moving image, travel details, etc., including occupation, status, or position; child family status; employment and/or personnel assessment data; educational data. Contact Details such as address, postal code, place of residence, place of work, contact information on government documents (such as, address on ID card, or copy of house registration), telephone number, fax number, online communication channels (e.g., E-mail, LINE, Facebook, and other social media accounts) as well as contact information on other channels that can be used to contact you. Financial details including transaction details such as bank account, details and payment history, details of the sending and receiving of money, transaction history whether done through offline or online channels (e.g. date, branch where the service was used, recipient country, transaction frequency, transaction amount, transaction order, transaction cancellation request), financial reliability and credit, financial risk, ability to pay debts and any other financial details including but not limited to transaction details on the Company's products/or services, such as the status of the insured as well as the beneficiary, the status of the provident fund holder, etc. Membership details such as member account information, member number, membership status, membership history, subscription (information according to the application document and member information modification documents) and other information related to the status or usage of the member. Device or tool information such as device specify coordination and device access date (Log), Device number (MAC Address) IP Address, Unique Device Identifier (UDID), Device ID (e.g. International Mobile Equipment Identity (IMEI) ) Electronic Serial Number (ESN), Mobile Equipment Identifier (MEID) and Serial Number (SN)), usage information/activity tracking (Clickstream /online website tracking), operating system and platform information, your interests and preferences and/or website access information through the use of cookies on the website and company applications (Cookies), as well as other technical data from the use of the Company's system or platform. Information about preferences or behaviours such as your desire to receive marketing information from the Company, showing interest in using the Company's products and services and the preferred form of communication; and/or Sensitive Personal Data such as race, religion, biometrics, health information, and criminal records. **Cookies** The Company’s website uses cookies, which are small text files that keep the Company's website working properly and improve your experience while exploring the website. Cookies are divided into necessary cookies and non-necessary cookies. In the case of necessary cookies, the Company does not need the consent of the website user. On the other hand, the Company will only use non-necessary cookies if you have given your opt-in consent to be able to use them. The Company will expressly require your consent before the Company installs non-necessary cookies on the device in the case you gave consent to the Company's installation and use of non-necessary cookies. You can change your cookie settings at any time. For details and cookie settings change, please see \[]. **Purpose of Personal Data Processing** To collect your Personal Data, the Company may collect, use or disclose your information for the following purposes: • Providing the Company's services to you. • Creating legal relations under the contract, including the exercise of rights under the contract, or the legitimate rights of the Company and you. • Tracking, analysing, and processing your data for improvement and modification of products and/or services, or development and presentation of new products and/or services to suit your needs, whether offered by the Company or business partners of the Company. • Conducting or promoting marketing and sales promotion activities, including various product and service publicity, whether for the company, affiliated companies, or another person. • General management of the Company including the management of various related risks, or the prevention and investigation of potentially fraudulent behaviour. • Compliance with laws and regulations as well as guidelines or requirements of the departments that supervise the Company's operations. • Compliance with the Company or affiliated companies' internal operation policy. • Monitoring, auditing and evaluating the Company's services and managing the relationship between the Company and you. **Data processing base as stated by the law**
Purposes of Data Processing DescriptionLegal bases
Company's products/or services usageThe Company's products/or services usage involves multiple Data Processing activities. Starting from the registration process to make the transaction, the submission of documents or requests through various channels for the use of the Company's products or services, such as money exchange, cash sending, or international money transfer.
  • Necessary for the performance of a contract, such as a subscription, submission of a service request to use the Company's products/or services.
  • Necessary for the compliance with the law, such as providing a customer acquaintance, sending transaction reports to various departments including regulatory agencies such as the Bank of Thailand, agencies under the Anti-Money Laundering Law.
Performing for Marketing PurposesTo develop the Company's products or services to be in accordance with and reach the users. The Company conducts marketing activities such as providing channels for receiving information about the Company's products, direct marketing, and use of data for analysis for marketing purposes.
  • Consent, in the case of responding to forms of interest in using the Company's products/or services, including marketing where it directly affects the privacy rights of the Personal Data subject, such as direct marketing.
  • Necessary for the Company's legitimate interests such as, the study of the customer's use of the products or services of the Company for analysis in order to plan or analyse the marketing.
Coordinating with contacts through various channelsThe Company provides direct communication channels via telephone and online channels such as e-mail, LINE, and Facebook. When you have contacted the Company through such channels, the company will know the channel of contact to comply with your request. In the case of a telephone call, the Company may record audio conversations as evidence of further action or for further improvement of the service.
  • Necessary for the compliance with the law on financial business governance.
  • Necessary for the legitimate interests of the Company, for example, as evidence of responding to requests or taking action following the contact, or developing the service quality.
  • Consent in the case of requesting opinions.
Coordination with partners or business allies and procurement In contacting or coordinating with partners or business alliances, the Company may collect contact information of juristic directors, attorneys, and authorized persons, including the use of services from external service providers such as hiring of specialists or consultants, which is necessary to conduct the Processing of Personal Data in a similar way.
  • Necessary for the performance of the contract, in considering agreeing to enter into a contract as a partner or business partners.
  • Necessary for the legitimate interests of the Company, such as, the use of personal contact information as specified by the business partner (such as the use of business card details) as well as keeping the records after the end of the employment contract or after the end of the record-keeping period as required by law. The records will be used as evidence in litigation or legal proceedings when a dispute arises.
  • Necessary for the compliance with the law, for example, providing knowledge of partners or business partners, or sending transaction reports to various agencies, including regulatory agencies such as the Bank of Thailand or agencies under the Anti-Money Laundering Law.
Compliance with laws and regulations related to the Company Many activities are related to this purpose; the compliance with laws, regulations, or rules applicable to the Company may be relevant to the operations of the management of the organization, human resources management, the supervision of financial business operations, the prevention and suppression of money laundering, etc., including compliance with legal procedures and responding to requests from the public sector and government agencies, national security or other law enforcement pertaining to the Company.
  • Necessary for the compliance with laws, such as the law on company partnership registration, Labour Protection Law, Anti-Money Laundering Law, and the law governing financial and fiscal supervision.
Security ManagementThe Company has security measures in office areas such as CCTV systems.
  • Necessary for the Company's legitimate interests to deter crimes, including the security of the life and property of the person.
Human resource managementHuman resource management involves activities starting from job application, applicant selection, payroll, assessment or work history, and welfare rights management, etc.
  • Necessary for the performance of a contract, such as submitting a job application, applicant selection, access to welfare rights under the employment contract, and payroll.
  • Necessary for the compliance with laws such as social security, income taxes, and all laws related to labour protection.

  • Consent, such as consent to being offered another position suitable for your qualifications in addition to the job advertised.

    Necessary for the legitimate interests of the Company, such as statistical research studies for the benefit of personnel management, maintenance of employee records after the end of the employment contract or after the end of the record-keeping period as required by law. The records will be used as evidence in litigation or legal proceedings when a dispute arises.

Collection of records, documents or evidence.The Company may be required to collect the records, documents or evidence that may arise in connection from various actions, whether it is about the organization management or human resources management as well as collecting records related to transactions or use of the Company's products/or services.
  • Necessary for the compliance with the law. In some cases, the law may require the maintenance of transaction evidence documents.
  • Necessary for the legitimate interest of the Company. The maintenance of transactions records after the performance of the contract, or after the end of the record-keeping period as required by law, the records will be used as evidence in litigation or legal proceedings when a dispute arises.
Website usageThe Company's website uses cookies, which are small text files that allow the Company's website to function normally and improve the experience of using the website.
  • Consent in case of the installation of Non-Necessary cookies.
  • Necessary for the legitimate interests of the Company and the visitors of the website in case of the installation of Necessary cookies for the complete use of the website.

**Processing period of your data** The Company will maintain your Personal Data only as necessary for Data Processing purposes and/or according to the minimum period specified by relevant law, as the case may be. Currently, the Company has a guideline for determining a period of not more than 10 years after the Company terminates the relationship with you as its customer. However, the Company may continue to maintain your Personal Data after the expiration of such period if the Company considers that it is still necessary for the Company to maintain your information for other purposes as necessary on a case-by-case basis. For example, the enforcement of legal rights or contracts of the company, etc. **Persons to which the Company may disclose your Personal Data** The Company may disclose your information to third parties, a disclosure of information to persons in Thailand and/or including disclosure to foreign countries. In the case of sending information abroad, the Company will do its utmost in selecting service providers, systems, as well as considering methods and procedures for disclosing information that are no less than the standards required by law relating to personal data protection of Thailand, including but not limited to the case where the Company has obtained your consent to disclose the data for the confidence and security of your privacy rights in your Personal Data. To achieve the various purposes of Data Processing in accordance with this Notice, regarding the disclosure of Personal Data, the Company may disclose your data to the following parties: 1\) Service providers who provide services to the Company. The Company may need to disclose your Personal Data to service providers who provide services for the Company, including government agencies that the Company requests for services, the service providers are listed below. The service provider will use your Personal Data to the extent that the Company allows it and must be consistent with this policy. The disclosure of such data will be only on a need-to-know basis. • Professional advisors such as financial advisors, legal advisors, auditors, etc. • Infrastructure and Information Technology service providers. • Storage providers, including cloud providers. • Marketing service providers, including the data and statistics preparation service providers. • Advertising, public relations, and communication service providers. • Several service providers involved in payment systems and networks. • Cash management service providers or various paying agents. • Service providers in the preparation and storage of documents and printed matter. • Financial institutions and other third parties that the Company uses to provide services for You. • Data verification service providers such as Netbay, Department of Provincial Administration (DOPA), or Legal Execution Department (LED), etc. 2\) The Company’s partners: The Company may disclose your personal information to other parties who have partnership agreements with the Company, such as financial institutions, trading partners, sales representatives, and outsource contractors in business operations, etc. 3\) Any other person required by law: If there are related laws, rules, regulations, orders of government agencies, or orders of judicial authorities requiring the Company to disclose your Personal Data, the Company is required to disclose such Personal Data. 4\) Assignee of rights and/or duties from the Company: In the event that the Company wishes to transfer the rights and duties of the Company including partial or full business transfers, mergers, and the restructuring of the company's shareholding, the Company is obliged to disclose your Personal Data to the assignee (including prospective assignees). The assignee’s rights and duties in relation to your Personal Data will also be in accordance with the policy in this Notice. **Protecting your data** The Company uses modern and highly secure technology for storing and maintaining Personal Data. The Company assigns the right to access Personal Data only to the Company’s officers or persons with related duties. Furthermore, the Company has in place a system to strictly monitor the access and use of personal data, as well as to arrange for the regular improvement and development of the personal data storage and maintenance system in order for the system to store personal data accurately and reliably, to prevent personal data leakage or rectification by unauthorized persons or misuse of personal data. **Data subject rights** 1\) Right of access and right of data portability: You have the right to request access to and obtain a copy of your Personal Data held by the Company, as well as to request that the Company disclose the acquisition of your Personal Data if you did not give consent to the collection of such data. You may also have the Company transmit your Personal Data to you or to other Personal Data Controllers in a widely used and computer-readable data format if such data is in a format that can be done so. 2\) Right to object processing: You have the right to object to the collection, use, and disclosure of Personal Data about you if such data is collected by the Company without your consent or is collected, used, or disclosed for direct marketing or for research studies. 3\) Right to erasure and right to restrict processing: You have the right to request that the Company delete, destroy, or restrict the use of your Personal Data retained by the Company in any method that the Company deems appropriate so that such data can no longer be used to identify the owner of the data. 4\) Right to rectification: You have the right to request the Company to rectify your Personal Data held by the Company to be accurate, up to date, complete, and not cause misunderstanding. 5\) Right to withdraw consent: You have the right to withdraw your consent to the collection, use, and disclosure of your Personal Data. However, withdrawing your consent will not affect the collection, use, or disclosure of Personal Data that you have previously given consent to. Withdrawing such consent may prevent the Company from continuing to provide services to you. 6\) Right to complain or petition to the competent supervisory authority: In the event that you believe that the Company's Data Processing is done in a way that is unlawful or inconsistent with the applicable provisions of the law on Personal Data protection. In exercising your rights, you acknowledge that your rights as the subject of Personal Data as stated above are the rights that are restricted by related law. The Company may deny the exercise of your rights if the Company has legitimate grounds for refusing to exercise such rights. **Change to the Privacy Notice** In order to make this Notice consistent with the law or guidelines that may change in the future, the Company may update, amend, add or change the details in this Notice. In the event that the Company changes the subject matter of this Notice, whether it is about the personal data that will be collected, the purpose of the collection for use or disclosure, types of persons or agencies with which the Company may disclose the data, rights of Personal Data subject, and the duration of data storage, the Company will notify you of any changes to this Notice in accordance with the provisions of the law on Personal Data protection. **The law and language of this Notice** This Notice is made in Thai language under the terms and conditions of Thai law. The translation of this Notice in any language is made for the convenience of the users only and does not have any intention to modify the details of the Privacy Notice. In the event of a conflict between the Thai language and other languages other than the Thai language, the Thai language shall prevail. **Contact Details** In case you have any questions regarding the protection of Personal Data in accordance with this Notice, or wishing to exercise your rights in accordance with the provisions of the law relating to Privacy Notice, you can contact the Company from the details as follows: Sawasdeeshop Company Limited 75/ 78-79 Ocean Tower 2, Soi Sukhumvit 19, Klong Toey Nua, Wattana, Bangkok Thailand Call Centre (02) 821-5555 # Customer Money Safeguarding Policy / นโยบายการคุ้มครองเงินลูกค้า Customer Money Safeguarding Policy At Sawasdeeshop Company Limited, we are committed to safeguarding customer money in strict compliance with regulatory requirements to ensure security, transparency, and financial integrity in our international money transfer services. 1. Segregation of Customer Money\ Customer money is held in dedicated safeguarding bank accounts with high liquidity. These accounts are separate from the company’s operational accounts and are used solely for the execution of customer-initiated international money transfers. 2. Money Usage and Transfers\ Customer money is transferred only to the designated recipient, strictly following customer instructions.\ The company strictly complies with the Bank of Thailand’s regulations (BOT Notification No. SorNorChor. 2/2562) on the handling and safeguarding of prepaid money for electronic money transfers. 3. Protection in Case of Insolvency\ In the event of insolvency, liquidation, or legal proceedings, customer money remains protected and is not subject to seizure, freezing, or asset distribution under civil or bankruptcy laws. The company follows the Payment Systems Act B.E. 2560 (2017) to ensure full protection of safeguarded money in such circumstances.\ This policy ensures that customer money is managed with the highest standards of security, compliance, and transparency, reinforcing trust in our international money transfer services. นโยบายการคุ้มครองเงินลูกค้า ที่บริษัท สวัสดีช้อป จำกัด เรามุ่งมั่นที่จะคุ้มครองเงินของลูกค้าโดยปฏิบัติตามข้อกำหนดด้านกฎระเบียบอย่างเคร่งครัด เพื่อให้มั่นใจในความปลอดภัย ความโปร่งใส และความสมบูรณ์ทางการเงินในการให้บริการโอนเงินระหว่างประเทศ 1. การแยกเงินลูกค้า\ เงินของลูกค้าจะถูกเก็บรักษาไว้ในบัญชีธนาคารเฉพาะที่มีสภาพคล่องสูง โดยบัญชีดังกล่าวถูกแยกออกจากบัญชีดำเนินงานของบริษัทอย่างสิ้นเชิง และใช้สำหรับการดำเนินธุรกรรมโอนเงินระหว่างประเทศตามคำสั่งของลูกค้าเท่านั้น 2. การใช้เงินและการโอนเงิน\ เงินของลูกค้าจะถูกโอนให้แก่ผู้รับที่ได้รับมอบหมายเท่านั้น โดยปฏิบัติตามคำสั่งโอนเงินของลูกค้าอย่างเคร่งครัด\ บริษัทปฏิบัติตามข้อกำหนดของธนาคารแห่งประเทศไทย (ประกาศธปท. ฉบับที่ สนช. 2/2562) เกี่ยวกับการจัดการและการคุ้มครองเงินล่วงหน้าสำหรับการโอนเงินทางอิเล็กทรอนิกส์ 3. การคุ้มครองในกรณีที่บริษัทเกิดภาวะล้มละลาย\ ในกรณีที่บริษัทประสบภาวะล้มละลาย การพิทักษ์ทรัพย์ หรือกระบวนการทางกฎหมาย เงินของลูกค้าจะได้รับการคุ้มครองและไม่สามารถถูกยึด หรือถูกแช่แข็ง หรือถูกแบ่งปันให้แก่เจ้าหนี้ภายใต้กฎหมายล้มละลาย บริษัทจะปฏิบัติตามพระราชบัญญัติระบบการชำระเงิน พ.ศ. 2560 เพื่อให้มั่นใจว่าเงินที่ได้รับการคุ้มครองจะได้รับการดูแลตามหลักเกณฑ์\ นโยบายนี้รับประกันว่าเงินของลูกค้าจะได้รับการจัดการตามมาตรฐานสูงสุดในด้านความปลอดภัย การปฏิบัติตามกฎระเบียบ และความโปร่งใส เพื่อเสริมสร้างความไว้วางใจในการให้บริการโอนเงินระหว่างประเทศ
# Terms and Conditions for Transaction Cancellation and Refund / ข้อกำหนดและเงื่อนไขการยกเลิกรายการธุร Terms and Conditions for Transaction Cancellation and Refund DeeMoney is committed to providing safe and efficient international money transfer services. If customers wish to request a refund, please review the following terms and conditions: 1\. Conditions for processing a refund Refunds may be processed under the following situations: * The transaction has not yet been successfully transferred to the recipient . * The transaction is delayed beyond the agreed SLA. * The customer cancels the transaction before the system processes the transfer. * There is a technical error or an error caused by company staff. Refunds may NOT be processed under the following situations: * The transaction has already been successfully transferred to the recipient. * The customer provided incorrect recipient information, and the transaction has been transferred to the recipient. * The transaction is delayed due to legal or regulatory compliance procedures. * The customer requests a refund due to exchange rate fluctuations after confirming the transfer. 2\. Refund Process and Timeline 2.1 Submitting a Cancellation and Refund Request * Within 3 business days from the transaction date: The customer must submit a written cancellation and refund request via email to . Refunds will be processed subject to above mentioned conditions in clause 1. * After 3 business days from the transaction date: The company will inform the customer of the transaction status and reasons for the delay. The customer may choose to wait or request a refund by submitting a written request via email to . Refunds will be processed subject to above mentioned conditions in clause 1. * After 7 business days from the transaction date: Any incomplete transactions will be automatically canceled and refund money to customer Thai bank account. 2.2 Calculation of Business Days Weekends and public holidays in Thailand, as well as weekends and public holidays in the recipient’s country of that specific transaction, will not be included in the processing timeframe. 2.3 Processing Time The verification and refund process will take 1-7 business days from the date the refund request is received or from the date the transaction is automatically canceled. 2.4 Refund Method * Refunds will be processed via bank transfer to the customer’s Thai bank account. The bank account name must match the name of the customer who conducted the transaction. * The refund is subject to DeeMoney receiving the correct bank account details for the transfer. * No refund of the transaction fee shall be provided in the event that the customer provides incorrect recipient information or where the recipient’s bank account details do not correspond with the information provided. * Cash refunds will be allowed only for transactions that had a cash pay-in at the branch, subject to verification of the customer’s identity at the branch. 3\. Thai Bank Account Requirement 3.1 Mandatory Registration for Transaction Processing: All users must register a valid Thai bank account within the DeeMoney application to facilitate the processing of transactions. The auto-refund process as described above applies only to those who have completed this registration. 3.2 Assistance for Users Without Registered Bank Accounts: For users who have not registered their Thai bank account, DeeMoney will proactively reach out via email and phone calls to guide them through the registration process. 3.3 Deadline for Account Registration: Users must complete their Thai bank account setup by 31st October 2025 After this date, if a user’s Thai bank account information is not registered in the application, the user will not be able to initiate any further money transfers via the app. 4\. New User Onboarding 4.1 Account Registration: New users registering with DeeMoney must provide accurate and up-to-date personal information, including a valid Thai bank account, to activate their account and use the service effectively. 4.2. Support for New Users: DeeMoney is committed to a seamless onboarding experience. New users will receive guidance and reminders through emails and calls to complete the bank account setup promptly. Assistance is available via our Customer Support team for any questions or issues encountered during this process. 5\. Compliance with Legal Requirements 5.1 All refund requests must comply with the Anti-Money Laundering (AML) Act and the Counter-Terrorism Financing (CTF) Act. 5.2 If a transaction is under investigation for fraud or money laundering, the refund process may be delayed or suspended in accordance with regulatory requirements. \ \
ข้อกำหนดและเงื่อนไขการยกเลิกรายการธุรกรรมและการคืนเงิน DeeMoney มีความมุ่งมั่นในการให้บริการโอนเงินระหว่างประเทศที่ปลอดภัยและมีประสิทธิภาพ หากลูกค้าประสงค์จะขอคืนเงิน กรุณาศึกษาข้อกำหนดและเงื่อนไขดังต่อไปนี้ 1\. เงื่อนไขการดำเนินการคืนเงิน\ การคืนเงินจะสามารถดำเนินการได้ในกรณีดังต่อไปนี้:\ • รายการธุรกรรมยังไม่ได้โอนสำเร็จไปยังผู้รับเงิน\ • รายการธุรกรรมล่าช้าเกินกว่าระยะเวลาที่ตกลงไว้ (SLA)\ • ลูกค้าขอยกเลิกรายการธุรกรรมก่อนที่ระบบจะดำเนินการโอนเงิน\ • เกิดข้อผิดพลาดทางเทคนิคหรือข้อผิดพลาดอันเกิดจากเจ้าหน้าที่ของบริษัท กรณีที่ ไม่สามารถดำเนินการคืนเงินได้ มีดังต่อไปนี้:\ • รายการธุรกรรมได้โอนสำเร็จไปยังผู้รับเงินแล้ว\ • ลูกค้าให้ข้อมูลผู้รับเงินไม่ถูกต้องและมีการโอนเงินไปยังผู้รับเรียบร้อยแล้ว\ • รายการธุรกรรมล่าช้าเนื่องจากกระบวนการปฏิบัติตามกฎหมายหรือข้อกำหนดด้านกฎระเบียบ\ • ลูกค้าร้องขอคืนเงินเนื่องจากการเปลี่ยนแปลงของอัตราแลกเปลี่ยนหลังจากได้ยืนยันการโอนเงินแล้ว 2\. กระบวนการและระยะเวลาดำเนินการคืนเงิน\ 2.1 การยื่นคำร้องขอยกเลิกและคืนเงิน\ • ภายใน 3 วันทำการ นับจากวันที่ทำรายการ: ลูกค้าต้องส่งคำร้องขอยกเลิกและคืนเงินเป็นลายลักษณ์อักษรผ่านทางอีเมลที่ โดยการคืนเงินจะพิจารณาตามเงื่อนไขที่ระบุไว้ในข้อ 1\ • หลังจาก 3 วันทำการ นับจากวันที่ทำรายการ: บริษัทฯ จะแจ้งสถานะของรายการและเหตุผลที่เกิดความล่าช้าให้ลูกค้าทราบ ลูกค้าสามารถเลือกที่จะรอการดำเนินการหรือยื่นคำร้องขอคืนเงินโดยส่งอีเมลมายัง ทั้งนี้การคืนเงินจะพิจารณาตามเงื่อนไขที่ระบุไว้ในข้อ 1\ • หลังจาก 7 วันทำการ นับจากวันที่ทำรายการ: รายการธุรกรรมที่ยังดำเนินการไม่สำเร็จจะถูกยกเลิกโดยอัตโนมัติ และจะดำเนินการคืนเงินเข้าบัญชีธนาคารไทยของลูกค้า 2.2 การคำนวณวันทำการ\ วันเสาร์-อาทิตย์ และวันหยุดนักขัตฤกษ์ในประเทศไทย รวมถึงวันหยุดนักขัตฤกษ์ในประเทศปลายทางของรายการ จะไม่ถูกนับรวมในระยะเวลาดำเนินการ 2.3 ระยะเวลาดำเนินการคืนเงิน\ การตรวจสอบและคืนเงินจะใช้เวลา 1-7 วันทำการ นับจากวันที่บริษัทฯ ได้รับคำร้องขอคืนเงิน หรือวันที่มีการยกเลิกรายการโดยอัตโนมัติ 2.4 วิธีการคืนเงิน\ • การคืนเงินจะดำเนินการผ่านการโอนเงินเข้าบัญชีธนาคารไทยของลูกค้า โดยชื่อบัญชีธนาคารต้องตรงกับชื่อผู้ทำรายการ\ • การคืนเงินจะดำเนินการได้ก็ต่อเมื่อบริษัทฯ ได้รับข้อมูลบัญชีธนาคารที่ถูกต้องจากลูกค้า • บริษัทฯ ขอสงวนสิทธิ์ไม่คืนค่าธรรมเนียมการทำรายการ ในกรณีที่ลูกค้าให้ข้อมูลผู้รับเงินไม่ถูกต้อง หรือรายละเอียดบัญชีธนาคารของผู้รับเงินไม่ตรงกับข้อมูลที่ได้แจ้งไว้\ • กรณีที่ลูกค้าชำระเงินสดที่สาขา การคืนเงินสดสามารถทำได้โดยลูกค้าต้องแสดงตนเพื่อยืนยันตัวตน ณ สาขา 3\. ข้อกำหนดเกี่ยวกับบัญชีธนาคารไทย\ 3.1 การลงทะเบียนบัญชีธนาคารไทยเป็นข้อบังคับ\ ผู้ใช้งานทุกคนต้องลงทะเบียนบัญชีธนาคารไทยที่ถูกต้องในแอปพลิเคชัน DeeMoney เพื่อความสะดวกในการดำเนินการรายการและกระบวนการคืนเงินอัตโนมัติ 3.2 การให้ความช่วยเหลือสำหรับผู้ที่ยังไม่ลงทะเบียนบัญชีธนาคาร\ สำหรับผู้ใช้ที่ยังไม่ได้ลงทะเบียนบัญชีธนาคารไทย บริษัทจะติดต่อผู้ใช้โดยตรงผ่านทางอีเมลและโทรศัพท์ เพื่อให้คำแนะนำเกี่ยวกับขั้นตอนการลงทะเบียน 3.3 กำหนดระยะเวลาการลงทะเบียนบัญชี\ ผู้ใช้งานต้องดำเนินการลงทะเบียนบัญชีธนาคารไทยให้เสร็จสมบูรณ์ภายในวันที่ 31 ตุลาคม 2025 หากไม่ดำเนินการลงทะเบียนภายในกำหนด จะไม่สามารถทำรายการโอนเงินผ่านแอปพลิเคชัน DeeMoney ได้อีก 4\. การลงทะเบียนผู้ใช้งานใหม่\ 4.1 การลงทะเบียนบัญชีผู้ใช้\ ผู้ใช้งานใหม่ที่สมัครใช้งาน DeeMoney ต้องระบุข้อมูลส่วนบุคคลที่ถูกต้องและเป็นปัจจุบัน รวมถึงข้อมูลบัญชีธนาคารไทยที่ถูกต้อง เพื่อเปิดใช้งานบัญชีและใช้บริการได้อย่างมีประสิทธิภาพ 4.2 การสนับสนุนผู้ใช้งานใหม่\ บริษัทฯ มุ่งมั่นในการอำนวยความสะดวกให้กับผู้ใช้งานใหม่ โดยจะมีการส่งอีเมลและโทรศัพท์แจ้งเตือนเพื่อให้ผู้ใช้งานดำเนินการลงทะเบียนบัญชีธนาคารให้เรียบร้อย โดยสามารถติดต่อทีมสนับสนุนลูกค้าได้หากมีข้อสงสัยหรือปัญหาในกระบวนการดังกล่าว 5\. การปฏิบัติตามข้อกำหนดทางกฎหมาย\ 5.1 การร้องขอคืนเงินทั้งหมดต้องเป็นไปตามพระราชบัญญัติป้องกันและปราบปรามการฟอกเงิน และพระราชบัญญัติป้องกันและปราบปรามการสนับสนุนทางการเงินแก่การก่อการร้าย\ 5.2 ในกรณีที่รายการโอนเงินอยู่ระหว่างการตรวจสอบข้อสงสัยเกี่ยวกับการฉ้อโกงหรือการฟอกเงิน กระบวนการคืนเงินอาจล่าช้าหรือถูกระงับตามข้อกำหนดของหน่วยงานกำกับดูแล