Privacy Policy
Bank customer details are valuable and important and must remain secure and private.  Kiatnakin Bank (“the Bank”) has carefully considered our customer (“user”)’s right to privacy, and we do our utmost to ensure that everyone who uses our services receives the highest level of security and privacy. Therefore, all the information the bank receives from its customers will be retained securely to prevent unauthorized access and misuse. Internet users can visit Kiatnakin Bank’s website and search for information without having to provide any personal information to the bank, unless they want to register and request additional information.

The bank will consolidate all the necessary information that the user provides and use this information with caution and in accordance with its intended purpose. This will allow us to enhance the Bank’s service and aid clarification when the user/customer has questions or concerns. Customer details will not be retained or used if the Bank does not intend to progress with the matter in hand. The bank will gather all personal information by asking the user directly for it during the application process, which requires a face-to-face interview. If the user chooses to provide their personal information to the bank, such as address, email address, telephone number, fax number, identification number, business activities, and business transactions, then the bank will keep all the information confidential as outlined in the bank’s information confidentiality standard. The Bank adheres strictly to this Privacy Policy.

Disclosure of personal information
Kiatnakin Bank will not provide or sell our users’ personal information to an external party for their personal use. Moreover, the bank will not disclose our user’s personal information to other organizations, unless one or more of the following actions occur:
1. The user requests and authorizes the bank to disclose the information.
2. The information is provided to a credit bureau or a representative of a similar agency.
3. The disclosure is lawfully permitted or required. For example, the bank may be requested to disclose information about the customer by a court order or subpoena. In addition, the bank may be requested to disclose customer information to government regulatory authorities, such as the Bank of Thailand’s auditor, which is authorized by law.

The Bank uses a security system that meets international standards and is widely accepted in banking industry. We regularly adjust and update procedures for retaining information, including the safe usage of the information in order to guard against loss or unauthorized access. However, the user has responsibility to keep secure their User ID and Password so as to prevent unauthorized usage. In addition, the bank has procedures to correct any erroneous information, including the cancellation of the Bank’s services following a request from a user.

Service Agreement
Kiatnakin Bank reserves the right to use its website to facilitate communication between the Bank and users wishing to know more about the Bank’s activities and services. All the information on each page of the website, including terms and conditions and other details, are subject to change without prior notice by the Bank. The Bank is committed to maintaining an acceptable level of accuracy on all information contained on the website. The Bank reserves the right to screen users, terminate or limit user’s access, and refuse certain users access to some website services as per the Bank’s guidelines without prior notice. Such actions are not intended to cause direct or indirect harm to the user or other individuals. The Bank makes no exception regarding this agreement to anyone, unless there is a written statement signed by authorized Bank personnel. If the user does not agree to the new terms and conditions, then that user has to stop accessing the Bank’s website immediately.

Exceptions/Restrictions for Service
The Bank is the copyright owner of all the information, pictures and diagrams that appear on the website, unless indicated otherwise. It is prohibited to transcribe, duplicate, copy, store, imitate, reproduce, adapt, and/or build upon any of the information or to distribute it without prior written approval from the Bank. The only exception to this is if the action is stated in the website’s terms and conditions.

The information contained on the website may express opinions, provide recommendations or contain excerpts from various sources. The Bank cannot ensure the accuracy and reliability of such information, and the users must judge for themselves. The Bank has no involvement and does not take responsibility for the user or other individual for any damage, whether direct, indirect, special, or unexpected, as well as any loss or expense that occur as a result of one or more of the following situations: inability to complete a certain action, the making of mistakes, decision to refrain from taking action, interruptions, indiscretion, delay in the processing of transaction/transfer of information, computer virus, and network/system downtime. The Bank’s position on this matter will not change even if the Bank or a representative of the Bank has been notified of the possibility of such damage, loss or expenses.

By requesting a service or by receiving information through the website and/or email, the Bank assumes that the user has read and agreed to the terms and conditions specified on the Bank’s website. By registering with the Bank, the user will be authorized to obtain useful information about the Bank’s products and services. When providing such information to the user, the Bank considers all the information to be the property of the Bank. The Bank can therefore use the information in any other way it finds appropriate and beneficial to the bank and the user. However, the way the information is used must not conflict with the Privacy Policy that appears on this website.

Occasionally a third party’s website may appear on the Bank’s website. The accuracy of the content, the opinions, and other information that appear on the website are solely provided as a service for the user. Thus, the Bank has no power to control, guarantee or confirm the validity, entirety/completeness, continuity, newness, reliability, or responsibility contained in the content of the third party website. In addition, such information may have limitations as to how it can be distributed under copyright law. Therefore, the user must request and obtain permission directly from the owner of the information. The service agreement, the ability to use the information internationally, the interpretation and the enforcement must be in accordance with Thai law.