1. 1.1 To whom will this Policy apply ?

   This Policy shall apply to you if you are classified as one or several types of the following persons.

1. 1.2 Channel for collection of personal data

   KBank may collect your personal data via the following channels :

   1. (1) The personal data that you give directly to or through KBank, or held by KBank by your use of products and/or services, contact, visit, joining activities, search via service channels and/or KBank’s contact channels such as branch, head office, website, application, online social media account of KBank, email, ATM, K - CDM (Cash Deposit Machine) or other financial service machines, banking agent, K CHECK ID, cheque direct service, customer data service center, international trade service center, telephone, facsimile, postal mail, short message service (SMS), questionnaire, name card, meeting, training, seminar, event, recreation, marketing promotion activity, contact or any other channel;
   2. (2) The personal data received or accessed by KBank from other sources, such as government agencies, other companies within KBank Financial Conglomerate, other banks or financial institutions, financial service providers and other service providers of KBank, business partners and service providers of business partners, companies that jointly issue products and/or services with KBank, the National Credit Bureau, information service providers, KBank’s customers, individuals or juristic persons conducting a transaction with KBank (as you having involvement with such transactions as mentioned above), registrar, securities issuer, Thailand Securities Depository Co., Ltd. (TSD), online social media, online platform of third party, public data sources (such as Government Gazette), a person having legal authority or legal right, any other person or agency with which KBank has a legal relationship, etc.

1. 2.1 Personal data is the data that can directly or indirectly identify you, i.e.
2. 2.1.1 Individual means Individual Customer, individual having involvement with transactions of KBank or KBank’s customers and general individual.

1. 2.1.2 Personnel of Juristic Person means individual having involvement with a juristic person which is a customer of, or conducts transactions with, KBank.

1. 2.2 Sensitive Personal Data

   “Sensitive Personal Data” means personal data which is specifically determined by law. KBank has no intention to collect Sensitive Personal Data from you.

   In certain cases, however, KBank may need to collect Sensitive Personal Data from you for providing services or products to you, for example, religion (displayed on a copy of national ID card) or race (displayed on a copy of passport of some countries), biometric data (such as facial recognition data, fingerprint recognition data, electronic signature data which uses technology extracting specific behavior of such signing for identification and authentication of the person who writes such signature), data on criminal record, health data, data on disability, sexual behavior, etc. KBank shall collect, use and/or disclose the Sensitive Personal Data provided that KBank has been given explicit consent by you or permitted by law. This shall be undertaken on a case - by - case basis when KBank is required to collect Sensitive Personal Data from you.

   (Unless specifically stated otherwise, personal data and Sensitive Personal Data as earlier mentioned shall hereinafter be collectively referred to as “Personal Data”.)

1. 2.3 Personal Data of minors, incompetent or quasi - incompetent persons

   KBank has no intention to collect, use and/or disclose Personal Data of minors, the incompetent or quasi - incompetent persons, unless KBank obtains consent from the guardian, the appointed guardian the appointed curator or any act which minors may give consent by itself pursuant to law (as the case may be) and/or has any lawful basis. If KBank discovers that the collection, use and/or disclosure of Personal Data of minors, the incompetent or quasi - incompetent persons is undertaken without (i) consent from the guardian, the appointed guardian, the appointed curator or minors who may give consent by itself pursuant to law (as the case may be) and (ii) any lawful basis, KBank shall delete or destroy such Personal Data.

1. 2.4 Personal Data of any other third party

   If you provide Personal Data of any other third party who is a Personnel of Juristic Person and/or who has involvement with you to KBank such as shareholders, directors, authorized persons, family members, reference persons, trade partners, guarantors, mortgagers, providers of collateral, beneficiaries, administrator of an estate, emergency contact persons and/or any other person per document of your transaction, etc., please inform those persons of the details under this Policy and request their consent, if necessary, or apply other lawful bases to ensure that KBank can collect, use and/or disclose Personal Data of the aforementioned third party.

KBank will collect, use and/or disclose your Personal Data only as necessary under KBank’s legitimate objectives which include the collection, use and/or disclosure of Personal Data for compliance with the contract in which you are a contract party, for performance of duties as required by law, for legitimate interest, for operations according to your consent and/or for operations under other lawful bases. Objectives for collection, use and/or disclosure of Personal Data under this Policy are as follows.

Some of the following objectives may or may not apply to you. Please consider the objectives in accordance with your relationship with KBank on a case - by - case basis.

1. 3.1 Objectives requiring consent

   KBank shall collect, use and/or disclose your Personal Data based on consent for the following objectives.

2. 3.1.1 Collection, use and/or disclosure of Sensitive Personal Data for which KBank cannot apply other lawful bases but must request explicit consent. Such objectives shall be :
   1. (1) Data on religion and race (such data collected from a copy of national ID card or passport of some countries which KBank needs to use as evidence of identification and authentication only.)
   2. (2) Biometric data for signing, identification and authentication, electronic know your customer service of KBank and for support of KBank’s business partners
   3. (3) Health record data, disability data, criminal record, and sexual behavior which KBank shall collect, use and/or disclose only when necessary for the use of certain products and/or services of KBank only. Criminal record shall be used for examination and confiscation of related property
3. 3.1.2 Analyses, research and/or conducting statistical data including those for development, improvement of products and/or services of KBank, other companies within KBank Financial Conglomerate, business partners and/or other juristic persons that require your consent in accordance with law.
4. 3.1.3 Marketing operations, submission of offers for products and/or services, privileges for attending activities held by KBank, other companies within KBank Financial Conglomerate, business partners and/or other juristic persons including news, useful advice and appropriately selected promotions and launch of marketing strategies that require your consent in accordance with law.
5. 3.1.4 Debt collection by using location data and/or device identification data (IP address or MAC address) tracking that require your consent in accordance with law.

6. KBank may request your consent directly or via other companies within KBank Financial Conglomerate, business partners and/or other juristic persons on a case - by - case basis.

1. 3.2 Objectives requiring other lawful bases other than consent

   KBank will collect, use and/or disclose your Personal Data based on other lawful bases as necessary under KBank’s legitimate objectives, such as, for compliance with the contract in which you are a contract party or your request, for performance of duties as required by law , for the legitimate interest and/or for operations under other lawful bases for the following objectives :

2. 3.2.1 Operations before entering into a contract with KBank such as giving consultation, advice and/or any other data related to products and/or services, analysis and assessment of customer demand, verification of qualification, verification of juristic person customer’s status, check of data or document accuracy, identification and authentication, including know - your - customer (KYC) and customer due diligence (CDD) procedure, property assessment, credit data examination and/or request for credit data correction, examination of Sanction List of competent authorities and/or government agencies which are generally disclosed as required by law, examination of receivership or insolvency, customer risk classification, and pre - filling of customer’s personal information/contact information for facilitation in applying for products and/or services of KBank.
3. 3.2.2 Any operation related to consideration of products and/or service provision such as communication, receipt/delivery of documents or parcels, processing of request and operation per the request approval procedure (including but not limited to consideration and review of customer credit quality, customer’s property assessment, property examination and valuation, property price review), establishment of card/loan limit, entering into a contract, agreement and/or any other related juristic act, registration for use of products, services and/or for participation in KBank’s activities.
4. 3.2.3 Delivery of products and/or services under the contract you have entered into with KBank such as
   • Disbursement of loan, investment, purchase of insurance, deposit, withdrawal, transfer, exchange
   • Any operation related to the provision of products and/or services (such as opening of account, change in data, establishment of, use of or change in credit line or account update, payment of dividend and interest, return of principal, acceptance of payments, amendment to deposit contract and interest rates as earlier agreed, account suspension, card suspension, account balance check, conducting transaction report, operation related to relationship between credit line and securities, operation related to securities, purchase of property insurance, credit card point accumulation and redeeming accumulated points, reconciliation, change or increase in card limit, check of accumulated points, card activation, preparation of customer data documents used for customer’s transaction (such as document certification))
   • Examination, confirmation and improvement of transactions (including transaction conducted via K - CDM, ATM, K CHECK ID, website and/or KBank’s application
   • Provision of benefits and operation in accordance with customers’ benefits
   • Customer relationship management, after - sale transaction operation, customer facilitation and/or management of complimentary gifts for customers
   • Provision of advice or risk management guidelines
   • Complaint management, solving problem, operation per customer request
   • Acceptance of payment or any asset
   • Monitoring compliance with conditions for use of products and/or services, termination of services.
   • Debt collection
5. 3.2.4 Marketing operation which does not require your consent under the law such as
   • Consideration of customer groups for sending them invitation to join activities or sales promotion as appropriate
   • Submission of the offering of products and/or services, privileges for attending activities, events or meeting held by KBank, including facilitation for joining activities (such as registration for event)
   • Offering of products, services and/or privileges that you have requested or notification of your benefits
   • Offering of products and/or services of the same type/close to those of KBank or other companies within KBank Financial Conglomerate which you are using
   • Contact in case where you have dropped off the application for products and/or services to facilitate you in case you wish to reapply for the products and/or services of the same type with KBank, or offering other products and/or services that you may have an interest in
   • Organization of sales promotional activities (such as provision of benefits and gifts).
6. 3.2.5 Analysis, research and/or conducting statistical data which does not require your consent under the law for development, improvement of products and/or services within KBank such as
   • Analysis, research, marketing research, conducting statistical data analysis of your financial data and/or conducting report for KBank’s internal use
   • Analysis, conducting model (such as credit scoring)
   • Studying, analyzing and monitoring the proportion of credit portfolio.
7. 3.2.6 Other operations of KBank such as
   • Management, risk management, internal audit within KBank
   • Maintain legitimate benefits
   • Conducting customer database or recording data in the system or database
   • Notification of debt payment or renewal of products and/or services
   • Satisfaction survey and assessment after use of products and/or services
   • Litigation or other legal processes
   • Participation, coordination and/or assignment of work to another person to perform on behalf of or in collaboration with KBank (such as for design of products or services, design of customer service experience, design of process or support of the delivery of products and/or services)
   • Assignment of rights and/or duties, management of operations of KBank and other companies within KBank Financial Conglomerate
   • Use of CCTV, control of entry/exit of KBank’s premises
   • Management of complaints or management of illegal incidents or suspicious incidents (such as fraud, money laundering, terrorism and mass destruction weapon proliferation, crime, intellectual property infringement including management planning, examination, surveillance, evidence collection, reporting, and/or detection)
   • Prevention and assessment of risk, which may be incurred from granting financial accommodations, of financial institution system
   • Conducting database on business risk to KBank
   • IT operation, communication system management and prevention, response and mitigation of IT risk and cyber threats
   • Insurance coverage for damages incurred by the bank due to various incidents, such as fraud, cybercrime, and electronic theft.
8. 3.2.7 Compliance with the order of competent authorities and/or compliance with laws such as
   • Compliance with the order of court, the government agencies, banking supervisory agencies, competent officers under the personal data protection law, financial institution business law, securities and stock exchange law, life insurance law, non - life insurance law, insurance commission law, payment system law, exchange control law, deposit protection agency law, taxation law, anti - money laundering law, counter - terrorism and proliferation of weapons of mass destruction financing law, computer crime law, bankruptcy law and other laws with which KBank is required to comply, either in Thailand or other countries, including regulations and rules issued under these laws, which are now being enforced, to be amended or to be enforced in the future.
9. 3.2.8 Prevention or cessation of danger to a person’s life, body or health
10. 3.2.9 Conducting historical documents or annals for public benefit or related to study, research or statistics
11. 3.2.10 KBank’s operation of public benefit or performance of duties in using the government’s authority granted to KBank

12. The collection, use, and/or disclosure of your Personal Data for the aforementioned purposes may involve the use of existing technologies that the bank currently has or will acquire in the future, including but not limited to blockchain technology, artificial intelligence (AI), generative AI (such as ChatGPT and Microsoft Copilot), AI chatbots technology, cloud computing, etc.

13. If KBank needs to collect, use and/or disclose your Personal Data for execution of or compliance with a contract that you have entered into with KBank and/or for KBank’s performance of duties under the law and you, upon request, do not provide such necessary Personal Data to KBank or you have chosen to delete your user account from the application of KBank, KBank may not be able to approve or deliver/provide products and/or services, either partly or wholly, for you and it may impact on KBank’s performance of duties under the law or your relationship with KBank.

Under your consent or criteria permitted by law, KBank may disclose your Personal Data to a third party. Persons or agencies receiving such Personal Data will collect, use and/or disclose your Personal Data within the scope for which you have given consent, or within the scope related to this Policy. In certain cases, you may be under the personal data protection policy of such recipient of your Personal Data. The recipient of your Personal Data may be in Thailand or other countries.

KBank may disclose your Personal Data to persons or agencies based on your relationship and transaction as follows :

KBank may need to send or transfer your Personal Data to other companies within KBank Financial Conglomerate located in other countries, or to other recipients of data, as part of KBank’s normal business operation. For instance, sending or transferring Personal Data for storage on cloud platforms or servers located in other countries, sending or transferring data of cross border fund transfer transaction to a financial institution located in another country via international funds transfer management intermediaries, a trade partner which is a private banker in another country, banks or financial institutions which are corresponding banks or nostro banks in other countries, business partners including those jointly providing products and/or services and Co - branding business partners, Global Payment Networks, online social media service providers, government agencies in other countries and/or a person having connection with your transaction in other countries, etc.

If the destination country has insufficient standards of Personal Data protection, KBank shall ensure that Personal Data will be sent or transferred in accordance with law and shall set standards of Personal Data protection as deemed necessary, and appropriate for and consistent with the confidentiality standards. For instance, an agreement must be entered into with the data recipient in that country to ensure that your Personal Data will be protected under the Personal Data protection standards equivalent to that in Thailand. If the data recipients are other companies within KBank Financial Conglomerate, KBank may decide to conduct binding corporate rules verified and certified by relevant competent authorities and will send or transfer Personal Data to other companies within KBank Financial Conglomerate located in other countries in accordance with said binding corporate rules.

KBank may collect and use cookies and/or any other technologies of similar nature when you use KBank’s website and/or application including conducting transactions, using products and/or services of KBank via digital channels and internet network. The collection of cookies and/or use of any other technologies of similar nature will help KBank to recollect your use and preferences, including analysis of your interest for improvement and development of efficiency of KBank’s website and/or application in order to respond to your demand and use so that you can have positive experiences in using KBank’s website and/or application. You can learn more details from the “Cookies Policy” of KBank at www.kasikornbank.com/en/privacy-policy/Pages/CookiesPolicy.aspx

Moreover, KBank may disclose the data that cannot identify you to data analysis service providers such as Google, both in Thailand and other countries. Google will use technologies and tools for data analysis such as cookies and/or the Software Development Kit (SDK) to monitor and conduct reports of data analysis related to your use of KBank’s website and/or application. You can learn details of Google’s data analysis under the heading “How Google uses data when you use your partner’s sites or apps” at www.google.com/policies/privacy/partners or other URL as determined by Google.

KBank will keep your Personal Data during the period you are KBank’s customer or have a relationship with KBank, or throughout the period required in order to achieve the related objectives of this Policy. Once your relationship with KBank ends, KBank will further keep your Personal Data for a period as necessary according to the statute of limitations or for a period as required or permitted by law, for instance:

• Personal Data shall be kept in accordance with the anti - money laundering law for 5 - 10 years after the end of the relationship, as the case may be.
• Personal Data shall be kept in accordance with financial institution business law, securities and stock exchange law, accounting law, and taxation law, for 10 years after the end of the relationship.

KBank will undertake operations through appropriate steps to delete or destroy the Personal Data or make it anonymous when it is no longer necessary or said period ends.

KBank shall apply technical, administrative and physical safeguard measures for safekeeping of your Personal Data in order to maintain confidentiality, accuracy, completeness, and availability of Personal Data to prevent unauthorized or illegitimate access, collection, revision, rectification, use and/or disclosure of Personal Data in accordance with legal requirements.

KBank has put in place appropriate measures to prevent the infringement of Personal Data. KBank has therefore established policies, procedures and criteria for Personal Data protection such as measures to control access to Personal Data and use of secure and proper devices for storing and processing Personal Data, restriction of access to Personal Data, determination of users’right to access Personal Data, right to permit assigned employees to access Personal Data and users’ responsibilities in order to prevent unauthorized access to Personal Data, unauthorized disclosure, unauthorized knowledge or unauthorized copy of Personal Data, or theft of devices used for storing or processing Personal Data. Measures have thus been put in place for tracking back of access to, change in, deletion or transfer of Personal Data, which are consistent with and appropriate for the methods and tools for collection, use or disclosure of Personal Data, including examination for assessing the effectiveness of compliance with policies, procedures and criteria for Personal Data protection.

KBank’s executives, employees, personnel, contractors, representatives, advisors, and recipients of data from KBank shall maintain the confidentiality of Personal Data in accordance with the confidentiality measures determined by KBank.

Your rights under this item are legal rights that you should be aware of. You can exercise your rights as stipulated by law and this Policies currently available or to be amended in the future, including criteria determined by KBank. If you are less than 20 years old, or have limited capacity to perform juristic acts under the law, you may request your father and/or mother, appointed guardian or authorized person to express the intention to exercise these rights on your behalf.

1. 9.1 Right to withdraw consent (opt - out) : You are entitled to withdraw the consent that you have previously given to KBank to collect, use and disclose your Personal Data (whether such consent has been given prior to or after the personal data protection law is enforced), at any time during which your Personal Data is held by KBank, unless there is right restriction by law or there is a contract which is beneficial to you which remains valid. The collection, use and/or disclosure of your Personal Data which was undertaken before the withdrawal of your consent shall not be affected.

   However, the withdrawal of your consent related to and required for the service request may prevent KBank from complying with the contract or providing services to you, or may cause the transaction or any other related activities to be suspended or temporarily discontinued, or may affect your knowledge of products and/or services, for instance, you may not receive the offer of products and/or services, benefits, promotions or other new offers, or may not receive alternative products or services which are more in line with your needs, or may not receive news and recommendations that are beneficial to you, etc. For your own benefit, you should determine and inquire about the potential impacts before deciding to withdraw your consent.

2. 9.2 Right to access : You are entitled to have access to your Personal Data under KBank’s responsibility and to request KBank to provide you duplication of your Personal Data and inform you of how your Personal Data has been obtained.
3. 9.3 Right to data portability : You are entitled to request your Personal Data which has been processed by KBank to be in a format that can be read or used in general with an automated device or equipment, and can be used or disclosed via automated methods. You are also entitled to request KBank to send or transfer your Personal Data of said format to other data controllers if it can be processed via automated method, and to request Personal Data of said format which is directly sent or transferred by KBank to other data controllers, unless it cannot be processed due to technical difficulties.

   Your aforementioned Personal Data must be Personal Data that you have granted consent to KBank to collect, use and/or disclose or must be Personal Data that KBank needs to collect, use and/or disclose for your use of KBank’s products and/or services in accordance with your intention wherein you are a contract party with KBank or for undertaking operations per your request before using KBank’s products and/or services or must be other Personal Data as determined by competent authorities.

4. 9.4 Right to object : You are entitled to lodge an objection to the collection, use or disclosure of your Personal Data at any time. If the collection, use or disclosure of your Personal Data, to which you lodge an objection, is undertaken under legitimate interest of KBank or any person or any juristic person, or for public benefit, KBank shall continue to collect, use and/or disclose your Personal Data only if KBank can provide legal reasons that the collection, use and/or disclosure of your Personal Data is sufficiently important, or is undertaken for the establishment, defense, use of, or compliance with, the rights to claim in accordance with applicable law, as the case may be.

   In addition, you are entitled to lodge an objection to the collection, use and/or disclosure of your Personal Data which is undertaken for objectives related to direct marketing or for the purpose of scientific, historical or statistical studies and research.

5. 9.5 Right to deletion or destruction : You are entitled to request KBank to delete or destroy your Personal Data or make it anonymous if you believe that your Personal Data has been collected, used and/or disclosed illegitimately, which is not in compliance with applicable laws or if you deem that it is no longer necessary for KBank to keep your Personal Data under the objectives of this Policy or when you exercise your right to withdraw consent or your right to object as mentioned earlier.
6. 9.6 Right to suspension : You are entitled to request KBank to suspend the use of Personal Data if KBank is conducting an investigation per your request to exercise your right to rectification or right to object, or for any other case wherein it is no longer necessary for KBank to keep your Personal Data and KBank must delete or destroy your Personal Data in accordance with applicable laws, but you have sought to request KBank to suspend the use of your Personal Data instead.
7. 9.7 Right to rectification : You are entitled to rectify your Personal Data to keep it accurate, up - to - date, complete and not misleading.
8. 9.8 Right to lodge complaint : You are entitled to lodge a complaint to relevant competent authorities if you believe that the collection, use and disclosure of your Personal Data violates or does not comply with applicable laws.

9. Exercising the aforementioned rights may be restricted by applicable laws, and, in certain cases, there may be compelling reasons that may cause KBank to deny your request or may prevent KBank from complying with your request such as for in compliance with laws or court orders, for the public benefit, exercising the aforementioned rights may potentially violate other persons’ rights or freedoms, etc. If KBank denies aforementioned request, KBank shall give you the reason(s) for such denial.

   You can submit your request to exercise your rights via the following channels:

Download form for exercising your rights here

KBank may consider rectifying, revising or changing this Policy from time to time, as deemed appropriate and permitted by law. In case of rectification or revision of, or change in this Policy, KBank will announce the current policy on KBank’s website at www.kasikornbank.com/en/privacy-policy

If you have any suggestions or would like to inquire about information regarding details of the collection, use and/or disclosure of your Personal Data including exercising your rights under this Policy, you can contact KBank via K PLUS, KBank’s branches or K - Contact Center at tel. 02-8888888

In addition, you can contact the data protection officer by email at email address : DataProtectionOfficer@kasikornbank.com
Address : No. 1, Soi Rat Burana 27/1, Rat Burana Road, Rat Burana Sub-district, Rat Burana District, Bangkok 10140