PRIVACY POLICY

We, AEC Insurance Broker Co., Ltd. (“Fuse”) and our related group of companies ("We" or "Us" or "Our"), highly value and respect your personal information and privacy. This privacy policy ("Privacy Policy") outlines which information We collect when you ("You" or "Your") access and use the website (the “Web”), mobile application (the "App"), products and services provided by Us (which, together with Web and App, are referred to as the "Services"), and how We protect and use it. The Privacy Policy also wishes to make sure that You are aware of the options available to You when You access and use Our Services. You are required to read, comprehend and understand the Privacy Policy before using Our Services.

Feel free to email Us at cs@fuse.co.th if You have any questions. By accessing or using Our Services, You agree to this Privacy Policy, the Privacy Notice and the Terms and Conditions. If You do not agree to this Privacy Policy, the Privacy Notice or Terms and Conditions, please do not access or otherwise use Our Services or any information contained herein.

By submitting or otherwise making available Personal Information (as defined below) relating to other individuals or parties, You represent that You are authorized to provide such information to Us and that You have obtained their explicit prior consent to Our Use in accordance with this Privacy Policy.

  1. PROTECTION OF CHILDREN’S PRIVACY. IF YOU ARE UNABLE TO FORM A BINDING CONTRACT WITH US, UNDER 21 YEARS OF AGE (UNLESS IF YOU ARE IN OR WERE IN A LEGAL MARRIAGE), OR WHERE PARENTAL OR GUARDIAN CONSENT IS REQUIRED AND NOT OBTAINED, THEN PLEASE DO NOT USE OR ACCESS THE SERVICES AT ANY TIME OR IN ANY MANNER.
    Protecting the privacy of young children is especially important. For that reason, We may not know if We collect or maintain Personal Information from persons under 21 years-of-age (excluding those who are under 21 years old that is in or was in a legal marriage), or where parental or guardian consent is required, without the consent of their parent or legal guardian. We encourage parents and legal guardians to monitor their children’s internet usage and to help enforce this Privacy Policy by instructing their children never to provide Personal Information through Our Services without their permission. If We learn that Personal information as mentioned above has been collected through the Service, We will take the appropriate steps to remove such Personal Information.
    If it comes to Our attention through reliable means that a registered user is unable to form a binding contact with us, under 21 years of age (excluding those who are under 21 years old that is in or was in a legal marriage), or where parental or guardian consent is required and not obtained, we will cancel that user's account and/or access to the Services.

  2. INFORMATION THAT WE COLLECT
    By downloading and using the Web and/or the App and by utilizing Our Services, You have given Us Your consent for Us to collect Your Personal Information. It is important to remember that We only collect what We require and to use such Personal Information for the purposes stipulated in this Privacy Policy and Terms and Conditions where You are bound as a party. Your Personal Information We collect including as follows:

    INFORMATION REASON
    Your name, address, and date of birth We need this in order to keep information of You, Our Partner for the needs of Your commission and performance, among others.
    Your mobile phone number and email address This is part of the account creation process. It is also the way that We will contact You with policy, service, claims, availability in Your region, and news-related communications. We may share Your phone number with Our service providers who need to coordinate with You.
    Your Personal and Tax ID number We need Your Personal and Tax ID number in order to verify Your identity and taxation purpose.
    Your payment information This is needed to process Your payment. Since We use a third-party payment processor, We have only limited information about Your payment transactions.
    Social Media account In the future, if not already now, We may need Your social media account subject that it is permitted by the access of such account. The purpose is to expand the Fuse’ Partner community.
    Contact/address book You may use Your contact list to ease the creation of a Fuse community or to invite others to Fuse.
    App and device usage statistics We may collect data from Your smartphone. We aggregate and anonymize this data to look for statistical patterns that can help Us give You, and all Our users, more precise rates and coverage, as well as to improve overall performance and experience.
    A short video or photos This helps Us better understand what happened. The video and/or photo(s) is/are always kept private.
    Corporate Documents For Corporate Partner registration purpose, we will require the relevant corporate documents such as Article of Association, Business Number, and Taxpayer Number

    Information about You above hereinafter will be called “Personal Information” that will identify You as the user of the Web, the App and/or the Services. Personal Information can be given by You directly (for example when You register Yourself as the user of the App) or automatically collected when You use the Web, the App and/or the Services.

  3. LOCATION INFORMATION AND OTHER INFORMATION FROM DEVICES.
    When You use the Services through the Web and/or the App on a device, We will collect and use Personal Information about You for the purposes stipulated in this Privacy Policy and Terms and Conditions. In addition, We may collect information about Your location in real time. We may use the location information collected from Your device to enhance Your use of Our Services by providing You with relevant content and contextual advertising. You can change the privacy settings of Your device at any time, in order to turn off the functionality to share location information through the App and/or the Web. Please note that turning off location sharing may affect certain features of Our services. Though We may identify Your geographic location, We do not receive Your Personal Information. We identify Your location only to provide a more tailored experience for You.

  4. USE OF COOKIE
    Cookie is a small data file placed in Your browser on Your internet device. With Cookie, the feature of application and/or website that You access can save information and remember Your actions and preferences from time to time. Most of internet browsers support Cookie; but You may set the browser You use to reject several types of certain Cookie or specific Cookie. Besides, You may delete the Cookie at any time.
    We use Cookie for several purpose, for example to make sure about Your preference and to protect Your data.

  5. THE USE AND DISCLOSURE OF PERSONAL INFORMATION
    By downloading and using the App and/or the Web and by utilizing Our Service, You have given Us Your consent for Us to use and disclose Your Personal Information. We may employ or cooperate with companies and person as third parties to facilitate or provide support in developing the App and/or the Web and/or the Services to Us and/or on Our behalf, among others to: (i) perform Services relating to Web and/or the App (including but not limited to maintenance, database processing, web analysis and feature perfecting services); (ii) assist Us in analyzing how the Web, the App and the Services are used as well as their development; (iii) to assist Our professional advisor or external auditor, including legal advisor, financial advisor, and consultants. These third parties have access over Your Personal Information only to perform those tasks for Us and/ or on Our behalf and are contractually bound not to disclose or use the Personal Information for any other purpose. We will disclose Your Personal Information to the extent it is required by law or required to comply with the provisions of the laws and regulation, government institution or in case of a dispute, or any form of legal proceeding between You and Us, or relating to the Service, or in an emergency condition. Your Personal Information may be transferred, stored, used and processed in a jurisdiction other than Thailand where Our servers are located.

  6. RETENTION, TRANSFERS, COMMUNICATION
    1. Retention
      We retain Personal Information as long as necessary for the fulfilment of Our identified legal and/or business purposes or as otherwise necessary to comply with applicable laws. When Personal Information is no longer necessary or relevant for such purposes, or upon any valid and lawful request from you or required by applicable laws, We will take steps to have it deleted, destroyed, erased, aggregated or made anonymous.
    2. Marketing communications
      We may communicate with You by a variety of means, such as using the telephone number(s) and/or email address(es) associated to Your user account or your unique user identifier. We may communicate information, surveys, marketing materials, advertisements or customized content which has been personalized to try to make it more relevant to You as part of your relationship with Us. For example, we may do so where you have not unsubscribed from receiving such communications and it is permitted by law, where you have explicitly agreed to receive such communications, where you use free services which rely upon advertising (including targeted advertising based on profile information), or through utilizing aggregated data or data that has been made anonymous. We may ask you from time to time if you would like to receive from Us or authorized third parties selected by Us, additional announcements, news, offers or event invitations regarding Us and the Services. You may also choose to provide Us with information in response to various promotional activities of Us. Typically, an unsubscribe mechanism is included with every Our marketing or commercial communication.
    3. Service-related communications from Us
      We may also send you certain service-related communications. For example, We may send a welcome email or message when you first register for your user account to inform you about the Services and its terms, to notify you of important changes, to tell you how to manage your credentials or account, to provide service infrastructure notifications or information about upgrades or updates, safety or security information, or for surveys of current or former users. Because such service-related communications are important to your use of the Services, you may not opt-out of receiving these communications.
    4. Information sharing
      General. Except as outlined in this Privacy Policy, Your Personal Information will never be sold to or shared with other companies or organizations for commercial purposes or otherwise. We may transfer Personal Information within Us and to sub-contractors that help Us provide Our Services. Transfers to subsequent third parties are covered by the service agreements with Our sub-contractors. Such sub-contractors may include third-party record or payment processors who process your credit card and other payment information for Us but are otherwise not permitted to store, retain or use such Personal Information. We may also share information with Our financial, insurance, legal, accounting or other advisors that provide professional services to Us.
      Non-disclosure Agreements. We use contractual or other means to provide a comparable level of protection while the information is being processed by Our service providers. It is Our policy to enter into confidentiality obligations with any third party that obtains confidential information including Personal Information from Us. For example, except where We are required or permitted by law to disclose Personal Information, Our service providers to whom We provide Your Personal Information typically agree to hold the Personal Information in confidence and only use the Personal Information for the purposes for which it was provided or to comply with applicable laws. Third Party Purchaser. In the event of the sale of all or a portion of Our assets, We may provide Your Personal Information to the third party purchaser. You hereby consent to the use of Your Personal Information by Us for the purposes of any purchase, sale, lease, merger or amalgamation or any other acquisition, disposal or financing of Us or a portion of Us or of any of the business or assets of Us.
      Advertisers. We may utilize third parties (e.g., advertising networks) to provide advertisements using non-personally identifiable attributes or anonymized data that is derived from profile data processed by Us, and provide such third parties with general statistics relating to the advertisements delivered.

  7. ACCURACY OF YOUR PERSONAL INFORMATION
    We take reasonable steps to ensure that Personal Information is sufficiently accurate, complete and up-to-date. We also depend on You to update or correct Your Personal Information whenever necessary. You represent and warrant that all information provided by You is accurate and complete, and that none of it is misleading or out of date. You will promptly update Us in the event of any change to the Personal Information provided or otherwise made available by You to Us. Failure to do so may delay or prevent the provision of Service to You.

  8. INDEMNITY
    You agree, represent and warrant that any content or Personal Information you transmit through our Services or to Us is truthful, accurate, not misleading and offered in good faith, and that you have the right to transmit such content. You shall not upload, post or otherwise make available on or through a Web or App any content protected by copyright, trademark or other proprietary right of any third party without the express written permission of the owner of such right(s) or the authority to do so. You shall be solely liable for any damages resulting from any infringement of copyright, trademark or other proprietary rights, or any other harm resulting from such a submission. You agree to indemnify and hold harmless the Fuse and our related group companies, including its Board members, directors, officers, employees, agents and contractors from and against any and all claims, damages, losses, costs (including without limitation reasonable attorneys' fees) or other expenses that arise directly or indirectly out of or from (a) your breach of any provision of this Privacy Policy; (b) your activities in connection with the Services; or (c) unsolicited information you provide to Us through the Services.

  9. LIMITATION OF LIABILITY
    We will not be liable for any damages of any kind arising out of or relating to the use of or the inability to use the Services, the Apps or content or links, including but not limited to damages caused by or related to errors, omissions, interruptions, defects, delays in operation or transmission, computer viruses or line failures. The releasees shall not have any liability or responsibility for any acts, omissions or conduct of any user or other third party.
    The releasees will also not be liable for any indirect, special, incidental, exemplary or consequential damages, even if they have been advised of the possibility of such damages. Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so the above limitations may not apply to you. If any portion of this limitation of liability is found to be invalid or unenforceable for any reason, then the aggregate liability of the releasees shall not exceed one million Rupiah.

  10. SAFEGUARDING YOUR PERSONAL INFORMATION
    We continue to review and implement physical, organizational and technological measures used to protect Your Personal Information against loss or theft, unauthorized access, alteration or disclosure appropriate to its level of sensitivity. If there is any personal data breach, We will investigate and resolve the issue(s) as soon as possible, and where necessary, or required by specific laws, notify you and/or the relevant regulator(s).
    We seek Your cooperation to safeguard Your Personal Information. You can reduce risk of unauthorized access to Your Personal Information by using common sense security practices. For example, You are responsible for utilizing appropriate security measures to control access to Your device and computer system, which includes creating a strong password that cannot be easily guessed by others (e.g. by including punctuation marks, numbers, capital and lowercase letters, and choosing a password of an appropriate length and which does not include your name or account name), using different passwords for different services, maintaining the confidentiality and security of Your password and/or OTP code, not sharing access to Your email or device, setting an adequate pass code to unlock your device, keeping Your email and/or telephone number up-to-date, and using up-to-date antivirus software. Please note that We will never contact You to request Your disclosure of Your password or OTP code.

  11. GENERAL, GOVERNING LAW AND JURISDICTION
    We reserve the right to discontinue or modify any aspect of the Services at any time. This Privacy Policy, together with Our Terms and Conditions and any other legal notices published by Us on Our Web and in the App, shall constitute the entire agreement between us concerning the Services. If any provision of this Privacy Policy is deemed invalid by a court of competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of this Privacy Policy, which shall remain in full force and effect. However, that in such event this Privacy Policy shall be interpreted so as to give effect, to the greatest extent consistent with, and permitted by, applicable law, to the meaning and intention of the excluded provision as determined by such court of competent jurisdiction.
    This Privacy Policy shall be governed by the laws of the Thailand.
    Any and all disputes arising between Us and You shall be resolved amicably and only when from such amicable ways unable to find resolutions, such dispute should be brought to the Thailand Arbitration Centre (“THAC”).

  12. FREQUENTLY ASKED QUESTION
    Does Fuse share my Personal Information with others?
    We are cautious in disclosing Your Personal Information to other parties and We only disclose Your Personal Information for the purposes as mentioned in this Privacy Policy and Terms and Conditions where You are bound as a party. We may disclose your Personal Information for the purpose of App development, database management, Service’s analysis or improvement.

    How does Fuse protect my Personal Information?
    We treat Your Personal Information with confidentiality standard as if those Our own, unless if such Personal Information required to be disclosed as stipulated in this Privacy Policy.

    How does Fuse communicate with its Partners?
    We primarily send message to You, Our Partners through email and the App. Certain emails communication related to Your account and claims must be delivered and do not include an unsubscribe option. Please ensure that the email We have on record is accurate. You can manage app notifications through Your device settings.

    Who should use Fuse Web and App?
    Our products and services are intended for anyone above 20 years-of-age, or if not of age but was in or is in a legal marriage; We do not market any products or services to person under 21 years-of-age (excluding those under 21 years old that is in or was in a legal marriage), or where parental or guardian consent is required, without the consent of their parent or legal guardian. If We become aware that information is or has been submitted by or collected from a person:
    (a) who is unable to form a binding contract with us;
    (b) under 21 years-of-age (excluding those under 21 years old that is in or was in a legal marriage); or
    (c) who requires parental/guardian consent and has not obtained the same. 

    Will Fuse ever change this Privacy Policy?
    As Fuse evolves, We may need to update this Privacy Policy. No matter what We change, We will always maintain Our commitment to protecting Your privacy. We will post all revisions, along with their effective dates. We recommend that You check this page often to make sure You're familiar with the latest Privacy Policy. To the extent it is permitted by the prevailing rules and regulations, please note that Your continued use of the Web, the App and the Services after any change means that You agree with, and consent to be bound by, the new Privacy Policy.

Get in touch

246 Times Square Building, Unit 10-04, 10th Floor
Sukhumvit Road, Khlong Toei Subdistrict, Khlong Toei District, Bangkok, zip code 10110
Hotline: +6621539487
Email: cs@fuse.co.th 

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