Definitions
This section defines key terms used in this privacy policy to help you understand how airolilo processes personal data in the context of retirement insurance services.
Personal data means any information that relates to an identified or identifiable individual, such as name, contact details, date of birth, health-related information and identification numbers.
Processing means any operation performed on personal data, whether automated or manual, including collection, recording, organization, storage, adaptation, retrieval, consultation, use, disclosure, erasure and destruction.
User refers to any individual who visits airolilo.pro, requests information or otherwise interacts with airolilo in connection with retirement insurance selection services.
Service refers to airolilo's online tools, informational content, quote requests, communication channels and related support used to assist retirees in comparing and selecting insurance options in Thailand.
Cookies are small text files stored on a user's device that help the website recognize returning users, remember preferences and collect analytics. Similar technologies include web beacons and local storage.
Information We Collect
airolilo collects information necessary to provide, improve and secure the retirement insurance selection services. Collection may occur when you register, request a quote, complete forms, use the website, or correspond with airolilo representatives. The types of information collected include data you provide directly, data gathered automatically, and information obtained from third parties.
Information You Provide
When you interact with airolilo, you may provide personal data that enables evaluation of insurance options and communication about products and services.
- Full name and preferred name
- Contact details such as email address, postal address and phone number
- Date of birth, age and basic demographic information relevant to eligibility
- Health, medical history and lifestyle information when required for insurance assessment and underwriting
- Identification numbers and documents needed for identity verification and policy issuance
- Payment information, policy preferences and communications content when you submit applications or requests
Information Collected Automatically
When you access airolilo.pro, technical and usage data may be collected automatically to enable site functionality, security and analytics.
- IP address, device type, browser type and operating system
- Cookies, tracking identifiers and similar technologies
- Pages visited, time spent on pages and navigation paths (usage data)
- Approximate location derived from IP address or device settings when you permit location access
- Aggregated statistics about feature use and user interactions
- Referrer information and marketing source data (how you reached the site)
Information from Third Parties
airolilo may receive information from external sources to complete applications, verify identity, or enhance service delivery.
- Insurance companies, consultant and underwriters for quote processing and policy administration
- Payment processors and banks for payment verification and reconciliation
- Analytics and advertising partners that provide aggregated performance data and segmentation
Why We Process Personal Data
airolilo processes personal data for specific, limited purposes necessary to operate the service, evaluate insurance options for retirees, and meet legal obligations.
- Provide and manage the retirement insurance selection service and related tools on airolilo.pro
- Assess suitability of insurance products and prepare quotes based on provided information
- Process applications, verification and policy administration with insurers and partners
- Communicate with users about requests, application status and customer support
- Verify identity and prevent fraud to protect users and partners
- Comply with legal, regulatory and tax obligations applicable in Thailand and other jurisdictions
- Improve and analyze service performance, including aggregated analytics and testing
- Send marketing communications where permitted by law and when the user has consented
Legal Basis for Processing
We rely on appropriate legal bases under applicable law for the types of processing described in this policy.
- Performance of a contract — processing necessary to provide the services you request, such as handling an insurance application
- Consent — where you have given clear consent for a specific purpose, for example marketing communications or optional profiling
- Legal obligation — processing required to comply with laws, regulations or court orders
- Legitimate interests — where processing is necessary for business operations, fraud prevention, security and service improvement, balanced against your rights
EU Data Protection Rights
If you are located in the European Union, the following rights may apply to you under EU data protection laws. airolilo acts as the data controller for personal data collected through airolilo.pro.
- Right of access — you can request confirmation whether we process your personal data and obtain a copy of that data
- Right to rectification — you may request correction of inaccurate or incomplete personal data
- Right to erasure — you may request deletion of your personal data where legal requirements for retention do not apply
- Right to restrict processing — you may request limitation of processing under certain circumstances
- Right to data portability — where applicable, you may request a copy of your personal data in a structured, machine-readable format
- Right to object and withdraw consent — you may object to processing based on legitimate interests or withdraw consent previously given; this does not affect processing performed under other lawful bases
Cookies and Similar Technologies
airolilo uses cookies and related technologies to enable essential website functions, measure performance and support personalization. Cookies help deliver a functional experience and gather statistical information to improve the site.
Common categories include essential cookies that enable core functionality, performance cookies that collect analytics, functional cookies that remember preferences, and targeting cookies used for advertising.
Cookies may be session-based (deleted when you close your browser), persistent (remain for a set period) or set by third parties integrated with the site for analytics or advertising.
Most browsers allow you to manage or block cookies. You can also use third-party opt-out tools for advertising cookies. Blocking cookies may affect site functionality and your user experience.
Full Cookie Policy
Sharing and Disclosure
airolilo shares personal data only as necessary to provide services, comply with law, and support business operations. Sharing is limited to authorized partners and processors who are bound by contractual agreements.
- Insurance companies, underwriters and consultant to obtain quotes, process applications and administer policies
- Service providers that provide IT, hosting, analytics and customer support on airolilo's behalf
- Payment processors and banks to complete payments and refunds
- Regulatory, tax or law enforcement authorities when required by law or to respond to lawful requests
- Professional advisors such as auditors and legal counsel when necessary to protect legal rights
- Third parties to whom you explicitly consent to share data, for example a consultant you authorize to act on your behalf
International Data Transfers
Personal data collected by airolilo may be transferred to and processed in countries other than Thailand where airolilo's partners and service providers operate. Transfers are necessary for service provision and business operations.
To protect data when transfers occur, airolilo puts in place safeguards such as data processing agreements, standard contractual clauses where appropriate, and restricted access policies. Transfers are limited to partners that meet security and confidentiality requirements.
Data Retention
airolilo retains personal data only for as long as necessary to achieve the purposes described in this policy and to meet legal, regulatory and business record-keeping obligations.
Account and profile information is retained while your account is active and for up to 7 years after account closure to meet legal, tax and contractual requirements.
Communications and correspondence may be retained for up to 3 years or longer if needed to resolve disputes, comply with legal obligations, or complete transactions.
System logs, access records and analytics data are retained in aggregated or pseudonymized form for up to 2 years to support security, performance monitoring and analysis.
Upon verified request we will delete or anonymize personal data when there is no longer a lawful basis to retain it; however certain information may be retained if required to comply with law or to fulfill contractual obligations.
Security Measures
airolilo implements technical and organizational measures to protect personal data against unauthorized access, disclosure, alteration and destruction. While reasonable steps are taken to secure data, no system can be completely secure and residual risk remains.
- Encryption of data in transit and, where appropriate, at rest
- Access controls, authentication and role-based permissions for systems handling personal data
- Regular security assessments, vulnerability management and staff training on privacy practices
Your Rights
You have certain rights regarding the personal data airolilo holds about you. To exercise these rights, please contact us using the details provided in this policy. We will verify requests to protect your privacy.
- Right to access the personal data we process about you
- Right to request correction of inaccurate or incomplete data
- Right to request deletion of personal data subject to legal retention requirements
- Right to request restriction of processing in certain circumstances
- Right to object to processing based on legitimate interests or for direct marketing
- Right to receive a copy of your data in a structured, machine-readable format where applicable
- Right to withdraw consent for processing that is based on consent, without affecting prior lawful processing
- Right to lodge a complaint with a supervisory authority in your jurisdiction if you believe your rights are not being respected
How to Request Your Rights
To submit a rights request, please provide your name, contact details, a description of the request and any information that helps verify your identity. Send requests to the contact details provided in this policy.
[email protected]
We will acknowledge and respond to verified requests within 30 days. For complex requests or where legal exceptions apply, an extension of up to 90 days may be required and you will be informed of any delay.
Marketing Communications
Marketing communications are sent only where permitted by applicable law or where you have provided consent. Marketing content will clearly identify airolilo as the sender and provide straightforward instructions for opting out.
To stop marketing messages, follow the unsubscribe link in the message or contact [email protected]. Requests to unsubscribe are processed promptly and you will receive confirmation when the change has been applied.
Children and Minors
airolilo does not knowingly collect personal information from children under the age of 18. If we become aware that we have unintentionally collected information from a minor, we will take steps to delete that information as soon as reasonably practicable. For matters involving individuals under 18, we require a parent or legal guardian to contact us to manage or remove personal data.
Third-Party Links
Our website may include links to third-party sites, tools, or resources that are not operated by airolilo. We are not responsible for the privacy practices or content of those third parties. We recommend reviewing the privacy policies of any third-party websites you visit. Links are provided for convenience and do not imply endorsement.
Changes to This Privacy Policy
airolilo may update this privacy policy from time to time to reflect changes in our practices or legal requirements. When we make material changes, we will post the updated policy on airolilo.pro and indicate the effective date. Continued use of our services after changes are posted constitutes acceptance of the updated policy.