Privacy Policy

Welcome to the PrimeBaht application. This Privacy Policy is formulated by XALIVANDRA PRIVATE LIMITED to explain how we collect, use, store, and protect your personal information in accordance with applicable laws when providing our services.

PrimeBaht is technically supported by XALIVANDRA PRIVATE LIMITED. All funds used to provide loan services through this application originate from the lawful funding sources of XALIVANDRA PRIVATE LIMITED. These funds are not related to any illegal fundraising activities or unidentified third-party funds, ensuring transparency and financial stability.

We fully understand the importance of your personal information and always comply with applicable laws and regulations in Thailand. We adopt reasonable and necessary technical and management measures to protect the security of your data.

By downloading, registering for, or using PrimeBaht, you acknowledge that you have read, understood, and agreed to the entire contents of this Privacy Policy.

1. Types of Information We Collect

In order to provide secure and efficient credit services, PrimeBaht may collect the following information with your authorization. All data is transmitted in encrypted form and securely stored on our servers (https://canal.xalivandra.com).

1.1 Personal Identification Information

Used for identity verification and loan service processing, including but not limited to:

• Full name
• Identification number
• Contact information
• Bank account information

1.2 Device Information

Used to ensure account security and improve system stability, including:

• Device model and operating system version
• Unique device identifiers (such as IMEI)
• IP address and network information

1.3 Location Information

With your explicit authorization, we may obtain your geographic location information to conduct risk control analysis and provide services that better match your needs.

1.4 SMS Information

To more accurately assess your credit status and prevent fraud risks, PrimeBaht may access SMS messages after obtaining your permission.

We only filter SMS messages related to financial information locally on your device (such as messages containing keywords like “loan,” “amount,” or “credit”). Qualified messages will be encrypted and uploaded to https://canal.xalivandra.com.

The data involved may include:

• Sender number
• Time the message was received
• SMS content
• Read status

This information is used solely for credit assessment and anti-fraud purposes.

You may disable this permission at any time, but doing so may affect the evaluation of your loan limit.

1.5 Installed Applications Information

To assist in risk assessment and service optimization, we may collect basic information about applications installed on your device.

1.6 Camera Permission

During identity verification, document uploads, or real-name authentication processes, we may request access to your camera.

1.7 Emergency Contact Information

After clearly informing you of the purpose, we will only collect emergency contact information that you voluntarily provide, for credit assessment and risk management purposes.

We solemnly promise:

The above information will only be used for purposes directly related to credit services and will not be disclosed or sold to unrelated third parties without your consent.

2. Purpose of Using Information

The information we collect will be used for the following lawful and necessary purposes:

• Verifying user identity and ensuring account security
• Reviewing loan applications, assessing credit risk, and completing loan disbursement
• Optimizing service content based on usage behavior and location information
• Preventing fraud and enhancing system and fund security
• Analyzing product usage to continuously improve functions and user experience
• Sending important service-related notifications, such as repayment reminders or activity information

3. Information Sharing and Disclosure

We will not disclose your personal information to external parties without your authorization, except in the following circumstances:

• To complete credit services, information may be shared with partner institutions (such as payment service providers, credit reporting agencies, or risk control service providers) that are required to comply with strict confidentiality obligations
• Disclosure required by laws, regulations, court orders, or regulatory authorities
• To prevent fraud or manage risks, necessary information may be shared with professional security service providers

4. Information Storage and Security Measures

To protect your data, we implement measures including but not limited to:

• Using industry-standard encryption technologies for data transmission and storage
• Storing data on secure servers and retaining it for the period required by law
• Establishing strict access control to allow only authorized personnel or partners to access data
• Regularly inspecting and upgrading security systems to prevent data leakage or misuse

Although we have implemented reasonable security measures, data transmission over the internet cannot be guaranteed to be absolutely secure.

5. Your Rights

According to applicable laws, you have the following rights:

• Right of Access: To inquire about the personal information we hold about you
• Right to Rectification: To request correction if your information is inaccurate
• Right to Deletion: To request deletion of personal information when there are no outstanding debts
• Right to Withdraw Consent: To withdraw part or all of your consent at any time (which may affect certain functions)
• Right to Manage Permissions: To manage access permissions such as location, camera, and SMS through your device settings

6. Cookies and Similar Technologies

To improve user experience, we may use technologies similar to cookies to collect basic usage data such as access frequency and click behavior.

You can manage these settings through your device or system settings, but disabling them may affect certain personalized services.

7. Third-Party Services

PrimeBaht may contain links to third-party platforms or services (such as payment services or credit reporting services).

The privacy policies and data handling practices of these third parties are not governed by this Privacy Policy. Please review their relevant terms before using their services.

8. Policy Updates

We may update this Privacy Policy from time to time due to changes in laws or adjustments to our services.

If there are significant changes, we will notify you through in-app notifications.

Your continued use of PrimeBaht indicates your acceptance of the updated policy.

9. Contact Us

If you have any questions about this Privacy Policy or wish to exercise your rights, please contact us through the following method:

📧 Email: developer@xalivandra.com

We will respond to and properly handle your request as soon as possible.