Privacy Notice
SCB X Public Company Limited
We, SCB X Public Company Limited (“the Company”), care about your privacy, thus, we provide this privacy notice to inform you of our policy in relation to the collection, use and disclosure of personal data in accordance with the Personal Data Protection Act B.E. 2562 (“PDPA”), relevant laws and regulations. This privacy notice informs you of how we collect, use or disclose your personal data, what and why we collect, use or disclose your personal data, how long we hold it, who we disclose it to, your rights, what steps we will take to make sure your personal data stays private and secure, and how you can contact us.
This privacy notice applies to:
(1) Our customers
- Individual customers: Customers who have products or services with the Company, including former and existing customers who are individual.
- Corporate customers: Directors, shareholders, ultimate beneficial owners, employees and legal representatives of our corporate customers and other individuals authorized to act on their behalf. Our corporate customer shall ensure that the authorized persons and any of relevant individuals have acknowledged our privacy notice.
(2) Non-customers
These include individuals who have no product or service holding with us, but we may need to collect, use or disclose your personal data (e.g. directors; investors; shareholders; debenture holders; counterparties; persons who have business relationship and their legal representatives; anyone that visits our website or office; beneficiaries under insurance policy, ultimate beneficial owner; directors or legal representatives of a company that uses our services; professional advisors; and anyone involved in transactions with us or our customers).
Please note that in the event that some of the links on our platform may lead to third party’s platforms, and if you access these platforms, your personal data will then be processed under the third party’s policies. Make sure that you have read those privacy notices when accessing such platforms.
1. How we collect, use or disclose your personal data
We only collect, use or disclose your personal data where it is necessary or there is a lawful basis for collecting, using or disclosing it. This includes where we collect, use or disclose your personal data based on the legitimate grounds of legal obligation, performance of contract made by you with us, our legitimate interests, performance under your consent and/or other lawful basis. Reasons for collecting, using or disclosing are provided below:
1.1. Our legal obligation
We are regulated by many laws, rules, regulations, and orders of any competent governmental, supervisory or regulatory authorities, and to fulfil our legal and regulatory requirements, it is necessary to collect, use or disclose your personal data for the following purposes, which include but not limited to:
a) compliance with the PDPA and any amendment thereof;
b) compliance with laws (e.g. Financial Institution Business Laws, Securities and Exchange Laws, Anti-Money Laundering Laws, Prevention and Suppression of Financial Support to Terrorism and the Proliferation of Weapons of Mass Destruction Laws, Public Limited Companies Laws, Life and Non-life Insurance Laws and other laws to which we are subject both in Thailand and in other countries), including conducting identity verification, background checks and credit checks, Know Your Customer (KYC) process, Customer Due Diligence (CDD) process, other checks and screenings (including screening against publicly available database of regulatory authorities and/or official sanctions lists), and ongoing monitoring that may be required under any applicable law; and/or
c) compliance with regulatory obligations and/or orders of authorized persons (e.g. orders by any court of competent jurisdiction or of governmental, supervisory or regulatory authorities or authorized officers).
1.2. Contract made by you with us
We will collect, use or disclose your personal data in accordance with the request and/or agreement made by you with us, for the following purposes, which include but not limited to:
a) process your request prior to entering into an agreement, consider for approval and execute transactions or provide products and/or services, deliver products and/or services to you, provide advice and deal with all matters relating to products and/or services, including any activities that if we do not proceed, then our operations or our services may be affected or may not be able to provide you with fair and ongoing services;
b) authenticate when entering into, doing or executing any transactions;
c) carry out your instructions (e.g. processing your applications and/or your transactions, fulfilling a request for execution of transactions or utilization of products and/or services, responding to your enquiries or feedbacks, or resolving your complaints) including record images, videos and/or voices and/or any similar actions to enable us to efficiently carry out your instructions and/or to keep record as an evidence for proceeding with your instructions;
d) provide websites, mobile applications and other online product platforms;
e) track or record your transactions;
f) produce reports (e.g. transaction reports requested by you or our internal reports);
g) notify you with transaction alerts;
h) recover the money which you owe (e.g. when you have not paid for outstanding fees);
i) carry out account maintenance and operations relating to your user accounts and/or financial accounts, including but not limited to processing your applications or requests for services or products, processing your transactions, generating statement of your user accounts and/or financial accounts, and operating and closing your user accounts and/or financial accounts;
j) carry out or make transactions and/or payments (e.g. processing payments or transactions, fulfilling transactions, billing or processing activities, managing your relationship with us, and administering your account with us);
k) proceed with any acts relating to insurance policy (e.g. proceeding with or monitoring any claim under your insurance policy, claiming against third party);
l) enforce our legal or contractual rights;
m) provide IT and helpdesk supports, create and maintain codes and user accounts for you, manage your access to any systems to which we have granted you access, and remove inactive accounts; and/or
n) in the event of sale or transfer of claims, assets, debt or business, merger, reorganization, rehabilitation, or similar event, we may disclose and transfer your personal data to one or more third parties who are the transferees of claims, assets, debt, or business, or the parties involved in the merger or reorganizing, or the plan preparers and plan administrators, or those related to such similar event.
1.3. Our legitimate interests
We rely on the basis of legitimate interests by considering our benefits or third party’s benefits with your fundamental rights in personal data which we will collect, use or disclose for the following purposes, which include but not limited to:
a) conduct our business operation, the business operation of companies in SCBX Group as specified in https://www.scbx.com/en/affiliates-financial-business-group and the business operation of SCBX Group (e.g. to govern, to audit, to conduct risk management in business operations and internal management, to manage and audit financial and accounting, to conduct information technology and cybersecurity management, to conduct procurement management, to conduct human resource management, to define guidelines and strategic planning for operations, to conduct debt restructuring and manage the risks of customers of the companies in SCBX Group, to monitor, prevent, and investigate fraud, money laundering, terrorism, misconduct, or other crimes, including but not limited to carrying out the creditworthiness checks of any persons related to our corporate customer, which may not be required by any governmental or regulatory authorities, and authenticating your identity to prevent such crimes);
b) conduct our relationship managements (e.g. to serve and facilitate you, to conduct survey, to manage customer segmentation, to handle complaints, to coordinate with relevant persons) including record images, videos and/or voices and/or any similar actions to enable us to efficiently conduct our relationship managements and/or to enhancing our services;
c) ensure security (e.g. to maintain CCTV records, to register, exchange identification card and/or take photo of visitors before entering into our building areas);
d) develop and improve our products, services and systems to enhance our services standard, and/or for the greatest benefits in fulfilling your needs, including to conduct research, analyse data and offer products, services and benefits suitable to you by considering the fundamental rights in your personal data. If you do not wish to receive the offering of products, services and benefits from us, you can contact us, details as specified in No.11;
e) record images, videos, and/or voices relating to the meetings, trainings, seminars, recreations or marketing activities and use such recorded images, videos and/or voices for the purpose of making internal and/or external public relations relating to such meetings, trainings, seminars, recreations or activities;
f) in case of our corporate customer, we will collect, use and disclose personal data of directors, authorized persons or attorneys;
g) ensure business continuity;
h) handle claims and disputes, file lawsuits and process the relevant legal proceedings;
i) contact you prior to your entering into a contract with us;
j) protect against security risks (e.g. monitoring network activity logs, detecting security incidents, conducting data security investigations, and otherwise protecting against malicious, deceptive, fraudulent, or illegal activity);
k) comply with applicable foreign laws;
l) analyze, carry out research, plan and conduct statistical analysis (e.g. data analytics, assessments, surveys and preparations of reports on our products and/or services and your behavior, usage location and usage history);
m) organize our promotional campaigns or events, conferences, seminars, and company visits;
n) facilitate financial audits to be performed by auditors;
o) receive advisory services from legal counsels, financial advisors, and/or other advisors appointed by you or us;
p) in the event of sale, transfer, merger, reorganization, or similar event, or if such an action is contemplated, disclose and transfer your personal data to one or more third parties as part of that transaction;
q) maintain and update lists and directories of the customers (including your personal data) and keep contracts and associated documents in which you may be referred to; and/or
r) comply with reasonable business requirements (e.g. management, training, auditing, reporting, control or risk management, statistical and trend analysis and planning or other related or similar activities, implementing business controls to enable our business to operate, and enabling us to identify and resolve issues in our IT systems to keep our systems secured, performing our IT systems development, implementation, operation and maintenance).
1.4. Your consent
In certain cases, we may ask for your consent to collect, use or disclose your personal data to maximize your benefits and/or to enable us to execute transactions or provide services to fulfil your needs for the following purposes, which include but not limited to:
a) collect, use or disclose your sensitive personal data as necessary (e.g. your identification card photo (which contains your sensitive personal data, namely religion and/or blood type) for verification of your identity before continuing the transaction and for Know Your Customer (KYC) process;
b) collect, use, or disclose your personal data and any information for the purpose of offering or providing suitable products, services, and benefits to you (in case where consent is required under the PDPA);
c) contact you to offer our products, services, and benefits which may interest you (in case the consent is required under the PDPA);
d) disclose your personal data and any other data to companies in SCBX Group as shown on https://www.scbx.com/en/affiliates-financial-business-group and our trusted business partners for purpose of analysis, carry out research, and prepare of statistical data, which will be beneficial in providing services that are more efficient and suitable for you;
e) send or transfer your personal data and sensitive personal data overseas, which may have inadequate personal data protection standards (unless the PDPA specifies that we may proceed under other lawful basis or without obtaining consent);
f) when you are classified as a minor, incompetent or quasi-incompetent whose consent must be given by their parent, guardian or curator (as the case may be) (unless the PDPA specifies that we may proceed without obtaining consent); and/or
g) other activities which we may require your consent.
1.5. Other lawful basis
Apart from the lawful basis which we mentioned earlier, we may collect, use or disclose your personal data based on the following lawful basis:
a) prepare historical documents or archives for the public interest, or for purposes relating to research or statistics;
b) prevent or suppress a danger to a person’s life, body or health; and/or
c) necessary to carry out a public task, or for exercising official authority
If the personal data we collect from you is required to meet our legal obligations or to enter into an agreement with you, we may not be able to execute transactions with you or to provide (or continue to provide) some or all of our products and services to you if you do not provide such personal data when requested.
In addition, the Company may utilize technologies currently possessed or to be acquired in the future for the collection, use, or disclosure of your personal data in accordance with the purposes stated in clauses 1.1 – 1.5 above, including, but not limited to, Artificial Intelligence (“AI”), Generative AI Usage, such as AI Chatbot technology, Cloud Computing, etc.
Furthermore, the Company may establish the system(s) to support operations and business activities for shared use within SCBX Group and may collect, use, or disclose your personal data held by the Company and the companies in SCBX Group through such system(s) in accordance with the PDPA.
2. What personal data we collect, use or disclose
The type of personal data, namely personal data and sensitive personal data, which we collect, use or disclose, varies on the scope of transactions, products and/or services that you may have used or had an interest in. The type of personal data shall include but not limited to:
| Category | Examples of personal data |
| Personal details | – Title – Given name, middle name, surname, hidden name (if any) – Gender – Date of birth – Age – Education background – Marital status – Nationality |
| Contact details | – Mailing address – E-mail address – Phone number – Mobile number – Facsimile number – Name of representatives or authorized persons/directors acting on behalf of our customers – Social media accounts, including profile data, photo and other identifier for electronic communication – Business address – Business phone number – Contact details of reference person |
| Identification and authentication details | – Photo – Identification card photo – Identification number, laser number (back of identification card) – Passport – Certificate/Alien ID – Driving license – Signatures – Tax identification number – House registration |
| Employment details | – Occupation – Employer’s details and workplace – Position – Salary, income and remuneration |
| Financial details and data relating to your relationship with us | – Data relating to products and/or services you use and/or financial data – Channels you use and ways you interact with us – Your customer status – Data relating to your transactions |
| Market research and marketing data | – Survey Data and opinions expressed when participating in market research (e.g. your responses to questionnaires, surveys, requests for feedbacks, and research activities) – Details of services you receive and your preferences – Inferences about you based on your interactions with us – Communication preferences and details or content of your communications with us |
| Geographic data and data relating to your device and your software, and technical details | – IP address – Technical specifications and uniquely identifying data (e.g. location, web beacon, log, device ID and type, network, connection details, access details, access date and times, duration of usage, cookies, search history, browsing details, IMEI (International Mobile Equipment Identity) of mobile phone or other unique device identifier, details relating to mobile phone, and technology on devices you use) |
| Investigation data | – Data for due diligence checks (e.g. data relating to Know Your Customer (KYC) or Customer Due Diligence (CDD)) – Data for risk management or Anti-Money Laundering and Combating the Financing of Terrorism (AML/CFT) checks |
| User login, subscription data, and profile details | – Login data for using our system and make transactions with the Company via the Internet network – Username, password and other verification code – Interests, preferences and activities |
| Usage details | – Data relating to your usage of websites, platforms, products and services – Data relating to your usage and interaction with our advertising (including content viewed, links clicked, and features used) |
| Spouse details | – Title – Given name, middle name, surname, hidden name (if any) – Marital status – Number of persons in responsible – Nationality – Identification number – Date of birth – Income |
| Data concerning security | – Visual images – Personal appearance – Detection of any suspicious and unusual activity – CCTV images or recordings – Video recordings |
| Sensitive personal data | – Religion as shown in the identification card – Blood type as shown in the identification card- Biometric data (e.g. face recognition, fingerprint, voice recognition, etc.) – Health data – Criminal records |
| Other data | – Data relating to attendance of activities and/or records of correspondence and other communications between you and us, in whatever manner and form, including but not limited to video recording, photographs, phone, email, live chat, instant messages and social media communications – Data relating to insurance policy and claim for compensation (e.g. policy coverage, medical records, insurance claims history, etc.) – Data relating to transferring money to or receiving money from our customers (e.g. account number, account name, PromptPay number, etc.) – Data that you provide to us through any channels |
3. Sources of your personal data
Normally, we will collect your personal data directly from you, but sometimes we may get it from other sources, in such case we will ensure the compliance with the PDPA.
Personal data we collect from other sources may include but not limited to:
a) Data obtained by us from companies in SCBX Group, business partners, and/or any other persons who we have relationship with;
b) Data obtained by us from persons related to you (e.g. your family, friends, referees);
c) Data obtained by us from corporate customers as you are director, authorized person, attorney, representative or contact person;
d) Data obtained by us from governmental authorities, regulatory authorities, financial institutions, credit bureau and/or third-party service providers (e.g. data that is publicly available, data that relates to transactions, credit data); and/or
e) Data obtained by us from insurance companies and/or other persons in relation to insurance policy or claim for compensation.
In case you have given any personal data of any other person to us for executing transactions with us or any purposes, you shall notify such person of the details relating to the collection, use and disclosure of personal data and rights under this privacy notice. In addition, you shall obtain consent from such person (if necessary) or relied on another legal basis to provide personal data to us.
4. Your rights
The PDPA aims to give you more control of your personal data. You can exercise your rights under the PDPA, details as specified below, through the channels prescribed by us:
4.1 Right to access and obtain copy
You have the right to access and obtain copy of your personal data holding by us, unless we are entitled to reject your request under the laws or court orders, or if such request will adversely affect the rights and freedoms of other individuals.
4.2 Right to rectification
You have the right to rectify your inaccurate personal data or to update your incomplete personal data.
4.3 Right to erasure
You have the right to request us to delete, destroy or anonymize your personal data, unless there are certain circumstances where we have the legal grounds to reject your request.
4.4 Right to restrict
You have the right to request us to restrict the use of your personal data under certain circumstances (e.g. when we are pending examination process in accordance with your request to rectify your personal data or to object the collection, use or disclosure of your personal data, or you request to restrict the use of personal data instead of the deletion or destruction of personal data which is no longer necessary as you have necessity to retain it for the purposes of establishment, compliance, exercise or defense of legal claims).
4.5 Right to object
You have the right to object the collection, use or disclosure of your personal data in case we proceed with legitimate interests basis or for the purpose of direct marketing, or for the purpose of scientific, historical or statistic research, unless we have legitimate grounds to reject your request (e.g. we have compelling legitimate ground to collect, use or disclose your personal data, or the collection, use or disclosure of your personal data is carried out for the establishment, compliance, or exercise legal claims, or for the reason of our public interests).
4.6 Right to data portability
You have the right to receive your personal data in case we can arrange such personal data to be in the format which is readable or commonly used by ways of automatic tools or equipment, and can be used or disclosed by automated means. Also, you have the right to request us to send or transfer your personal data to third party, or to receive your personal data which we sent or transferred to third party, unless it is impossible to do so because of the technical circumstances, or we are entitled to legally reject your request.
4.7 Right to withdraw consent
You have the right to withdraw your consent that has been given to us at any time pursuant to the methods and means prescribed by us, unless the nature of consent does not allow such withdrawal. The withdrawal of consent will not affect the lawfulness of the collection, use, or disclosure of your personal data based on your consent before it was withdrawn.
You can review and change your consent to use or disclose your personal data for marketing purposes through channels as specified in No. 11 or other channel prescribed by us in the future.
4.8 Right to lodge a complaint
You have the right to make a complaint with the Personal Data Protection Committee or their office in the event that we do not comply with the PDPA.
5. How we share your personal data
We may disclose your personal data to the following parties under the provisions of the PDPA:
a) companies in SCBX Group, business partners and/or other persons that we have the legal relationship, including our directors, executives, employees, staffs, contractors, representatives, advisors and/or such persons’ directors, executives, employees, staffs, contractors, representatives, advisors;
b) governmental authorities and/or supervisory or regulatory authorities (e.g. the Bank of Thailand, the Securities and Exchange Commission, Ministry of Digital Economy and Society, Thai Revenue Department);
c) suppliers, agents and other entities (e.g. professional associations to which we are member, external auditors, depositories, document warehouses, overseas financial institutions, clearing houses, shareholder registrar, shareholder representatives) where the disclosure of your personal data has a specific purpose and under lawful basis, as well as appropriate security measures;
d) any relevant persons as a result of activities relating to selling rights of claims and/or assets, restructuring or acquisition of any of our entities, where we may transfer their rights to; any persons with whom we are required to share data for a proposed sale, reorganization, transfer, financial arrangement, asset disposal or other transaction relating to our business and/or assets held by our business;
e) other banks, financial institutions and third parties where required by law;
f) lawyers, fraud prevention agencies, courts, authorities or any persons whom we are required or permitted by laws, regulations, or orders to share personal data;
g) third parties providing services to us (e.g. IT service providers, market analysis and benchmarking service providers, cloud computing service providers, agents, subcontractors acting on our behalf);
h) social media service providers (in a secure format) or other third-party advertisers so they can display relevant messages to you and others;
i) other persons that provide you with relevant benefits or services; and/or
j) your attorney, sub-attorney, authorized persons or legal representatives who have lawfully authorized power.
6. International transfer of personal data
The nature of our business is global and under certain circumstances it is necessary for us to send or transfer your personal data internationally (e.g. transferring data to companies in SCBX Group or to cloud server overseas for the purpose of the provision of services). When sending or transferring your personal data, we will always exercise our best effort to have your personal data transferred to our reliable business partners, service providers or other recipients by the safest method in order to maintain and protect the security of your personal data.
In the event that the destination country does not have adequate personal data protection standards, we will ensure that the sending or transfer of personal data complies with the requirements of the PDPA, and will implement measures for personal data protection deemed necessary and appropriate to ensure that your personal data is protected under standards equivalent to those in Thailand, such as entering into agreements with the data recipient to stipulate personal data protection with adequate security standards
7. Retention period of personal data
We will maintain and keep your personal data for a period of time that is appropriate and necessary for each type of personal data and for the purposes as specified by the PDPA. Such period will be under the prescription period or the period under the relevant laws and regulations (e.g. Financial Institutions Businesses Laws, Securities and Exchange Laws, Anti-Money Laundering Laws, Counter-Terrorism and Proliferation of Weapon of Mass Destruction Financing Laws, Accounting Laws, Tax Laws, Labor Laws and other laws to which we are subject both in Thailand and in other countries). In addition, we may need to retain records of CCTV surveillance in our office and/or voice records to prevent fraud and to ensure security, including investigating suspicious transactions which you or related persons may inform us.
8. Use of Cookies
We may collect and use cookies and similar technologies when you use our website. The collection of such cookies and similar technologies helps us recognize you, remember your preferences and customize how we provide services to you. We may use cookies for a number of purposes (e.g. enabling and operating basic functions, helping us understand how you interact with our websites, or enabling us to improve your online experiences or our communications with you), for details please see Cookie Notice | SCBX.
9. Use of personal data for original purposes
We are entitled to continue collecting and using your personal data, which has previously been collected by us before the effectiveness of the PDPA in relation to the collection, use and disclosure of personal data, in accordance with the original purposes. If you do not wish us to continue collecting and using your personal data, you may notify us to withdraw your consent at any time.
10. Security
We endeavor to ensure the security of your personal data through our internal security measures and strict policy enforcement. The measures extend from data encryption to firewalls. We also require our staffs and third-party contractors to follow our applicable privacy standards and policies and to exercise due care and measures when using, sending or transferring your personal data.
11. How to contact us
If you have any questions or would like more details about our privacy notice, please contact us through the following channels:
- SCB X Public Company Limited
our head office located at 9 Rutchadapisek Road, Chatuchak, Chatuchak, Bangkok 10900.
- our Data Protection Officer by writing to E-mail: [email protected] or our address as specified above.
If you would like to exercise your rights in accordance with PDPA, please contact us through our head office and/or our Data Protection Officer through channels or address provided above.
12. Changes to this privacy notice
We may change or update this privacy notice from time to time and we will inform the updated privacy notice at our website www.scbx.com
Version December 2025
