Terms of Use

1. Acceptance of these terms

By registering, confirming at a sign-up or payment step, accessing or using ThaiWealth AI (the “service”), you confirm that you have read, understood and agree to be bound by these terms. If you do not accept them, please stop using the service.

We record your consent to the privacy policy with a timestamp and a version number. For these terms, registering, confirming at the relevant step and continuing to use the service constitute acceptance of the version in force at that time. The version in force and its effective date appear at the top of this page.

Your use of the service is also governed by our privacy policy and data retention policy which form part of these terms. Where the two conflict on a matter of personal data, the privacy policy prevails on that point.

2. Who provides the service, and who you contract with

ThaiWealth AI is the trade name of a service operated by บริษัท เทคมาร์ค จำกัด (Techmark Co., Ltd.), a company registered under Thai law. That company is the party you contract with under these terms.

Registered name

บริษัท เทคมาร์ค จำกัด (Techmark Co., Ltd.)

Company registration no. / taxpayer ID

0105561066781

Registered office

212/2-3 อาคารสุขุมวิทพลาซ่า ชั้นที่ 5 ซอยสุขุมวิท 12 ถนนสุขุมวิท แขวงคลองเตย เขตคลองเตย กรุงเทพมหานคร 10110

Contact email

support@thaiwealth.app

บริษัท เทคมาร์ค จำกัด is the data controller under the Personal Data Protection Act B.E. 2562 (2019) for the data you give this service.

3. What the service is

ThaiWealth AI is a tool for recording, organising and reviewing the personal financial information you import or enter yourself. It provides information and tools. It is not a financial institution, an investment adviser, a tax agent filing on your behalf, or a custodian of assets.

The scope of the service may include the following, without being limited to it. Which features are actually available at any given moment is what the app shows, under the plan you are on at that time.

• Importing documents or financial data that you upload or enter yourself.
• Organising and categorising records using automation or AI.
• Tracking a summary of assets or holdings from data you record or import yourself.
• Gathering information to support a tax return that you file yourself.
• Summaries, alerts, or a communication channel linked to your account, such as LINE.

Parts of the service may be under development, in trial, or rolling out gradually. The quotas, screens and behaviour shown in the app prevail over the examples in this section.

This service does not connect directly to your bank or broker. It does not store passwords or credentials for any external account, does not hold, transfer or trade assets on your behalf, and does not file tax returns in your name. Data arrives only from files or entries you send us yourself.

We may improve, add to, limit or discontinue parts of the service. If we discontinue a feature that is material to a paid plan you have already bought, we will give at least 30 days' notice and you may request a pro-rata refund for the remaining period under section 8.1. A material feature means one shown as included in the plan you bought, on the checkout page or the plan-details page at the time you paid.

4. Eligibility and your account

• You must be at least 20 years old. The service is not open to minors and we have no process for obtaining a guardian's consent. If we find that an account holder is under age, we will suspend the account, refund pro rata, and delete or render the data unusable in line with the data retention policy.
• The service is for your own personal finances. It is not for serving clients or third parties professionally, unless we open that route explicitly.
• You must give accurate information when registering, and keep your sign-in details confidential.
• You are responsible for everything done under your account, whether by you or by anyone who obtained your sign-in details.
• One account per person. Do not share, sell, rent or transfer your account, including any remaining paid entitlement.
• Tell us immediately at support@thaiwealth.app if you find your account has been accessed without your authorisation.

5. This service is not investment, tax or legal advice

• Not investment advice: we are not an investment adviser licensed by the Securities and Exchange Commission (SEC). The service does not assess personal suitability, gives no instruction to buy, sell or hold, and no figure, ranking, status label or output in it constitutes advice, a solicitation or an offer concerning any security or asset.
• Not tax advice: the tax-related features only gather and prepare information. We do not calculate tax owed in place of the Revenue Department, and we do not file in your name. You are responsible for checking accuracy before filing, and solely responsible for what you file.
• Not legal or accounting advice.

Please consult a licensed professional before making any financial, investment or tax decision.

6. Data accuracy and the limits of automation

• Reading documents, categorising records and producing summaries are done by automation or AI models, which can be wrong, incomplete or out of date.
• Where the service shows prices or market data, that data is reference information from the source that supplied it. It is not a real-time dealing price, and may be delayed, incomplete, or different from the price at which you could transact.
• Price and market data shown in the service is licensed for you to view your own information inside the service only. Do not reproduce, publish, forward, export in bulk or use it commercially, including passing it through another app or extracting it by automated means.
• You are responsible for reviewing and correcting the data in the service. Original documents from your bank, your broker and the Revenue Department, and information from other official sources, always prevail where they conflict with what the service shows.

7. Acceptable use

You agree to use the service lawfully and only with data you are entitled to use, and not to do any of the following or anything similar.

• Upload another person's document in full, or their personal data, without the right or the consent the law requires. A statement for an account you are entitled to use may ordinarily show the names or records of the parties you transacted with, and processing that is part of providing the service to you — but you must not upload another person's passbook or documents in full.
• Use the service for money laundering, fraud, or any unlawful activity.
• Attempt to reach another user's data, break into the system, test its security without written permission, or circumvent plan limits.
• Use bots, scripts or automated access to extract data in bulk, including extracting or forwarding price or market data out of the service.
• Reverse-engineer, copy, rent, resell or run a service of your own on top of this one.
• Send files containing malware, or place an unreasonable load on the system.

You warrant that you are entitled to use the documents and data you send us for the purposes of the service, and you will be responsible for the loss, costs and fees we incur as a result of your uploading or using data you had no right to, or otherwise breaching this section.

We may suspend or close an account that breaches this section, under section 12.

8. Plans, payment and refunds

• Free plan: the basic features at no charge, under the quotas and limits shown in the app, and possibly with advertising. Any advertising shown does not use your transactions or financial data to decide what to show.
• Paid plan: an annual plan. The first year is paid up front on the checkout page. After that the plan renews each year by invoice: on the renewal date we email an invoice, payable by card or PromptPay within 30 days. Nothing is charged automatically and we keep no card on file. If Premium has run out by the renewal date, the account is on the free plan until the invoice is paid, and paying restores Premium for the rest of that year. Premium days you still hold on the renewal date, from a referral for example, are kept: a paid renewal adds its year after them. If the invoice is not paid in time, renewal stops. A renewal invoice is at the price on sale when it is issued, and the invoice shows that amount before you pay. You can turn renewal off at any time in Settings → Subscription → Manage billing; access you have paid for continues until its period ends. A plan bought before this version of these terms took effect does not renew. The plan name, the length of the entitlement and what it includes are as shown to you, and confirmed by you, on the checkout page.
• Current prices: the prices and plans on sale are shown in the app and confirmed again on the checkout page before you confirm payment. These terms deliberately name no amount. If a figure in a specimen contract or an older document conflicts with the checkout page, the checkout page for that purchase governs.
• Payment is handled by whichever payment provider we use at the time (currently including Stripe, supporting cards and PromptPay where enabled). We do not store your full card number.
• Referral and promotional entitlements: if a referral programme or bonus entitlement is running, its specific conditions are shown in the app at that time. We reserve the right to revoke an entitlement obtained dishonestly, through duplicate accounts, or by abusing the system.
• Prices and tax: the price shown is the final amount you pay, inclusive of 7% VAT. There are no hidden fees from us; your payment provider or bank may charge its own. Prices may change in future, effective only for the next payment, without affecting a period you have already paid for.
• Proof of payment: we issue an electronic receipt in the name of บริษัท เทคมาร์ค จำกัด for every payment, downloadable from your settings. If you need a full tax invoice in the name of an individual or a company, give us the name, address and taxpayer ID during checkout, or tell us promptly after paying, through the channel shown in the app.

8.1 Refunds

No change-of-mind refunds. Each year of a plan is paid for in full and is not refunded if you change your mind. Your paid access continues until that period ends, whether or not you turn renewal off.

You may request a refund in the cases below. Nothing in this section removes any right given to you by consumer protection law, or by the law on direct sales and direct marketing where those laws apply, including any statutory cancellation period.

• Pro-rata refund: calculated as the whole days remaining in the period you paid for, divided by the total days in that period, multiplied by the amount you actually paid for it. It applies in the cases set out in section 3 (a material feature discontinued), section 12 (we close your account without a breach by you), section 14 (you do not accept an amended version of these terms), section 15 (you do not accept a transfer) and section 16 (prolonged force majeure).
• We refund through the channel you paid with, within 14 days of approving the request, or within a shorter period if the law requires one. How long the money takes to arrive depends on your payment provider.
• We may refuse or adjust a refund where the right is exercised repeatedly and dishonestly, where duplicate accounts are created to obtain entitlements, or where there is a bad-faith payment dispute — without affecting rights the law does not allow to be waived.

9. Processors and third-party services

The service uses outside providers only as far as it needs to in order to work — for example AI processing, taking payment, sending messages, supplying market data, product analytics (only if you consent), error monitoring, and cloud infrastructure. The categories of provider, the data sent to each, and the destination countries currently in use are set out in the privacy policy, and may change when we replace a provider with another of the same kind.

Some providers process and store data outside Thailand, which may include the contents of documents you upload when they are sent to be read. The legal basis and the safeguards for transfers out of the country under sections 28 and 29 of the PDPA are set out in the privacy policy.

Your use of the relevant parts is also subject to those providers' own terms. What is sent to whom is set out in our privacy policy

10. Intellectual property, and your data

The software, design, trade name and all content of the service belong to the provider named in section 2, and are protected by copyright and other applicable law. Market data shown may belong to its licensor, and is subject to section 6.

The data you upload or enter remains yours. You grant us only the rights we need to store, process and display it in order to provide the service to you, comply with the law, and keep the system secure. We do not sell personal data that identifies you to third parties, and under our contracts with our processors we do not permit content that identifies you or your financial records to be used to train our AI models or those of any outside provider. Aggregated statistics from which nobody can be identified are described in the privacy policy, along with the categories of processor and the retention periods.

11. Personal data

The collection, use and disclosure of your personal data are governed by our privacy policy and by the Personal Data Protection Act B.E. 2562 (2019) (PDPA). As the data subject you have the rights the law gives you: access and a copy, rectification, receiving and porting your data, objecting to processing, restricting use, withdrawing consent, and erasure.

You can exercise these from your account settings, or by contacting privacy@thaiwealth.app If you believe we are not complying with the law, you have the right to complain to the Personal Data Protection Committee (PDPC).

12. Suspension and closing an account

• You can delete your account at any time from your settings. The account data you can see in the service is rendered unusable without delay. Data the law requires us to keep — such as proof of payment, tax invoices, records needed to bring or defend a legal claim, or security records — is kept in line with our data retention policy
• We may suspend or close an account that breaches these terms, is used dishonestly, or where the law requires it. We will give the reason and an opportunity to respond where we can, except in urgent cases involving risk to the system or to other users, or where a government order requires otherwise.
• If we close a paid account without a breach by you, we will refund pro rata under section 8.1.
• Deleting your account from settings takes effect immediately and the same account cannot be restored. Please export your data from settings before confirming. We cannot recover data once it has been deleted from the live system.
• Sections 5, 6, 7, 8.1, 10, 11, 13, 17 and 18 continue to apply after your account ends, as far as necessary to exercise a right, resolve a dispute, or comply with the law.

13. Warranties and limitation of liability

The service is provided “as is”. We do not warrant that it will be uninterrupted or error-free, or that its output will be complete and correct.

To the extent the law allows, we are not liable for indirect loss, lost profit, lost investment opportunity, or loss arising from a financial, tax or investment decision made on the basis of information from the service. Our total liability to you for all claims arising out of or relating to the service in any period is limited to the greater of (a) the amount you paid us in the 12 months before the event giving rise to the liability, and (b) THB 1,000.

These limits do not remove rights you have as a consumer under Thai law that cannot be waived, and are subject to the Unfair Contract Terms Act B.E. 2540 (1997).

14. Changes to these terms

We may amend these terms from time to time. For a material change we will give at least 30 days' notice, by email, in the app, or through the channel linked to your account. Continuing to use the service after the amended version takes effect constitutes acceptance. If you do not accept it, you may close your account and request a pro-rata refund under section 8.1 within 30 days of the amended version taking effect. Adjusting features, quotas or wording in the app without changing the core rights under these terms is not a material change to the terms.

15. Transfer of rights and obligations

You may not transfer your rights or obligations under these terms to anyone else.

We may transfer our rights and obligations under these terms to an affiliate, or to a buyer of the business in a merger or sale, provided the terms of service and your rights are no worse than before. We will give you at least 30 days' notice. If you do not wish to be bound to the transferee, you may close your account and request a pro-rata refund under section 8.1.

16. Force majeure

We are not liable for delay or inability to provide the service caused by something outside our reasonable control — for example a natural disaster, an internet network failure, an outage at one of the outside providers in section 9, a government order, or a cyber attack. If such an event interrupts the service continuously for more than 30 days, you may close your account and request a pro-rata refund under section 8.1.

17. General

• Severability: if any provision is void, invalid or unenforceable, it is limited or removed only so far as necessary, and the remaining provisions continue in force.
• Entire agreement: these terms, the privacy policy and the data retention policy together form the entire agreement between you and us about the service.
• No waiver: our not exercising a right immediately is not a waiver of it.
• Notices: a notice sent to the email address or in-app channel linked to your account is treated as received when our system records it as sent, unless there is evidence that delivery failed.
• Language: these terms are made in Thai. Where a translation into another language exists, the Thai version prevails if the two conflict.

18. Governing law and dispute resolution

These terms are governed by the law of the Kingdom of Thailand, and disputes fall within the jurisdiction of the Thai courts. This does not remove any right you have to a forum provided by consumer protection law.

Before starting proceedings, we ask you to contact us at support@thaiwealth.app so that we can try to resolve the matter together. We will reply within 15 business days. This request is not a precondition to bringing a claim, and does not remove your right to complain to the Office of the Consumer Protection Board (OCPB), the SEC, the PDPC, or any other relevant regulator.

19. Contact us

For questions about these terms, your account or payment, contact support@thaiwealth.app · For requests about personal data under the PDPA, contact privacy@thaiwealth.app

บริษัท เทคมาร์ค จำกัด · 212/2-3 อาคารสุขุมวิทพลาซ่า ชั้นที่ 5 ซอยสุขุมวิท 12 ถนนสุขุมวิท แขวงคลองเตย เขตคลองเตย กรุงเทพมหานคร 10110 · Company registration no. 0105561066781