Privacy Policy

Last Updated: October 22, 2025

joiner-core ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our AI-driven expense categorization services and visit our website at joiner-core.digital.

Please read this Privacy Policy carefully. By accessing or using our services, you acknowledge that you have read, understood, and agree to be bound by all the terms of this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not access or use our services.

1. Information We Collect

1.1 Personal Information

We may collect personal information that you voluntarily provide to us when you:

Register for an account
Use our consultation services
Subscribe to our newsletter
Contact us through email or forms
Participate in surveys or feedback requests

This information may include:

Full name
Email address
Phone number
Billing and payment information
Company name and business details
Communication preferences

1.2 Financial and Transaction Data

When you use our AI-driven expense categorization services, we may collect:

Expense transaction data
Receipt images and documents
Banking and financial account information
Payment history and billing records
Budget and spending patterns

1.3 Automatically Collected Information

When you access our services, we automatically collect certain information, including:

IP address and device identifiers
Browser type and version
Operating system
Referring website addresses
Pages viewed and time spent on pages
Access times and dates
Device location data

1.4 Cookies and Tracking Technologies

We use cookies, web beacons, and similar tracking technologies to collect information about your browsing activities. You can control cookie preferences through your browser settings.

2. How We Use Your Information

We use the information we collect for the following purposes:

To provide, maintain, and improve our AI-driven expense categorization services
To process transactions and send transaction notifications
To communicate with you about services, updates, and promotional offers
To respond to your inquiries and provide customer support
To personalize your experience and deliver tailored content
To analyze usage patterns and optimize service performance
To train and improve our AI algorithms and machine learning models
To detect, prevent, and address technical issues or fraudulent activity
To comply with legal obligations and enforce our terms of service
To send administrative information and service announcements

3. How We Share Your Information

We may share your information in the following circumstances:

3.1 Service Providers

We may share your information with third-party service providers who perform services on our behalf, including:

Payment processing and billing services
Cloud hosting and data storage providers
Analytics and performance monitoring services
Customer support and communication platforms
Email delivery and marketing automation tools

3.2 Business Transfers

If we undergo a merger, acquisition, bankruptcy, dissolution, reorganization, or similar transaction, your information may be transferred as part of that transaction.

3.3 Legal Requirements

We may disclose your information if required to do so by law or in response to valid requests by public authorities, including to:

Comply with legal obligations or court orders
Protect and defend our rights or property
Prevent or investigate possible wrongdoing
Protect the personal safety of users or the public
Protect against legal liability

3.4 With Your Consent

We may share your information with third parties when you have given us explicit consent to do so.

4. Data Security

We implement appropriate technical and organizational security measures to protect your information against unauthorized access, alteration, disclosure, or destruction. These measures include:

Encryption of data in transit and at rest
Secure socket layer technology
Regular security assessments and audits
Access controls and authentication procedures
Employee training on data protection practices

However, no method of transmission over the internet or electronic storage is completely secure. While we strive to protect your information, we cannot guarantee absolute security.

5. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. When determining retention periods, we consider:

The nature and sensitivity of the information
The purposes for which we process the information
Legal and regulatory requirements
Our legitimate business interests

When we no longer need your information, we will securely delete or anonymize it.

6. Your Privacy Rights

Depending on your location, you may have the following rights regarding your personal information:

Access: Request access to the personal information we hold about you
Correction: Request correction of inaccurate or incomplete information
Deletion: Request deletion of your personal information
Restriction: Request restriction of processing your information
Portability: Request transfer of your information to another service
Objection: Object to our processing of your information
Withdraw Consent: Withdraw consent where processing is based on consent

To exercise these rights, please contact us using the information provided below. We will respond to your request within a reasonable timeframe.

7. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child without parental consent, we will take steps to delete that information promptly.

8. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. These countries may have data protection laws that differ from the laws of your country. When we transfer your information internationally, we implement appropriate safeguards to protect your information in accordance with this Privacy Policy.

9. Third-Party Links

Our website may contain links to third-party websites or services that are not operated by us. We are not responsible for the privacy practices of these third parties. We encourage you to review the privacy policies of any third-party sites you visit.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for legal, operational, or regulatory reasons. We will notify you of any material changes by:

Posting the updated Privacy Policy on our website
Updating the "Last Updated" date at the top of this policy
Sending you an email notification for significant changes

Your continued use of our services after any changes indicates your acceptance of the updated Privacy Policy.

11. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:

joiner-core
6/45 Tiwanon 50 Alley, ท่าทราย เมือง
Nonthaburi 11000, Thailand

Email: info@joiner-core.digital
Phone: +6621589191

12. Specific Service Information

12.1 AI-Driven Expense Categorization

Our AI-driven expense categorization service processes your financial transaction data to automatically classify and organize expenses. This processing includes:

Analysis of transaction descriptions and amounts
Pattern recognition and learning from your categorization preferences
Automated tagging and classification of expenses
Generation of spending reports and insights

We use this data solely to provide and improve our services. Your financial data is encrypted and stored securely.

12.2 Consultation Services

When you participate in our online consultation services, we collect and process:

Consultation scheduling and appointment information
Communication records and session notes
Feedback and satisfaction surveys
Payment and billing information for consultation fees

13. Marketing Communications

With your consent, we may send you marketing communications about our services, features, promotions, and updates. You can opt out of receiving marketing emails at any time by:

Clicking the unsubscribe link in any marketing email
Updating your communication preferences in your account settings
Contacting us directly to request removal from our marketing lists

Please note that even if you opt out of marketing communications, we will still send you essential service-related communications.

Thank you for trusting joiner-core with your information. We are committed to protecting your privacy and providing you with exceptional service.