Privacy Policy – Star Broker

Last Updated: June 3, 2025

Welcome to Star Brokerage Co.,Ltd. (“we,” “us,” or “our”). We are committed to protecting your privacy and ensuring a secure online shopping experience, including when you inquire about or purchase insurance products through our platform. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit and make purchases through our website www.stars.broker.

Please read this Privacy Policy carefully. By accessing or using our website, you agree to be bound by the terms and conditions described herein. If you do not agree with the terms of this Privacy Policy, please do not access the site.

1. Information We Collect

We may collect personal information from you in a variety of ways, including, but not limited to, when you visit our site, register on the site, place an order, subscribe to the newsletter, respond to a survey, fill out a form, and in connection with other activities, services, features or resources we make available on our site.

The types of personal information we may collect include:

Identity Data: Name, title, date of birth, gender, national identification number (e.g., Thai ID card number) where required for insurance purposes.
Contact Data: Billing address, shipping address, email address, telephone numbers.
Financial Data: Payment card details (though we do not store full payment card numbers on our servers; these are processed securely by our payment gateway providers).
Transaction Data: Details about payments to and from you and other details of products and services you have purchased from us, including insurance policies.
Insurance Product Data (Non-Motor): Specific information required for the quotation, application, and administration of non-motor insurance policies. This may include, but is not limited to:
- Health and Medical Information: (For health or travel insurance) such as medical history, existing conditions, and lifestyle habits. Sensitive Personal Data will only be collected with your explicit consent and strictly for the purpose of assessing and providing insurance coverage.
- Property Details: (For home or property insurance) such as address of the insured property, type of property, construction details, and value.
- Travel Details: (For travel insurance) such as destination, travel dates, and purpose of travel.
- Personal Accident Information: Details relevant to personal accident coverage, if applicable.
- Beneficiary Information: Names and contact details of beneficiaries, if required for the policy.
Technical Data: Internet protocol (IP) address, your login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform, and other technology on the devices you use to access this website.
Usage Data: Information about how you use our website, products, and services.
Marketing and Communications Data: Your preferences in receiving marketing from us and our third parties and your communication preferences.

We also collect Non-Personal Information, which is data that cannot be directly linked to your identity. This may include demographic information, anonymized usage data, and other aggregated data.

2. How We Collect Your Information

We collect information through:

Direct Interactions: You provide us with your personal data when you create an account, place an order, subscribe to our newsletter, contact us via email or phone, inquire about or apply for an insurance policy, or participate in surveys.
Automated Technologies or Interactions: As you interact with our website, we may automatically collect Technical Data about your equipment, Browse actions, and patterns. We collect this personal data by using cookies, server logs, and other similar technologies.
Third Parties or Publicly Available Sources: We may receive personal data about you from various third parties and public sources, such as analytics providers (e.g., Google Analytics), advertising networks, and payment service providers. In the context of insurance, we may also receive information from insurance partners or public records where necessary for underwriting and policy administration, with your consent where required.

3. How We Use Your Information

We use the information we collect for various purposes, including:

To Process Orders: To fulfill and manage your purchases, process payments, and deliver products to you.
To Provide Insurance Services: To provide you with quotes for non-motor insurance policies, process your insurance applications, administer your policies, and communicate with you regarding your coverage. This includes sharing necessary information with our insurance partners (underwriters and insurers) to facilitate your policy.
To Provide Customer Service: To respond to your inquiries, provide support, and resolve issues related to both general shopping and insurance products.
To Improve Our Website and Services: To understand how users interact with our site, identify areas for improvement, and enhance your shopping and insurance inquiry experience.
To Send Periodic Emails: To send you information and updates pertaining to your order or insurance policy, as well as occasional company news, updates, related product or service information, etc. (You can opt-out of marketing emails at any time).
To Personalize User Experience: To understand how our users as a group use the services and resources provided on our site.
For Marketing and Advertising: To provide you with targeted advertisements, promotions, and special offers that may be of interest to you (with your consent where required).
For Security and Fraud Prevention: To protect our website and users from fraudulent activities and unauthorized access, including fraud related to insurance applications.
To Comply with Legal Obligations: To meet our legal and regulatory requirements, particularly those related to financial services and insurance laws in Thailand.

4. How We Protect Your Information

We adopt appropriate data collection, storage, and processing practices and security measures to protect against unauthorized access, alteration, disclosure, or destruction of your personal information, username, password, transaction information, and data stored on our Site.

Sensitive and private data exchange between the Site and its Users happens over an SSL secured communication channel and is encrypted and protected with digital signatures. We do not store sensitive payment information directly on our servers. All payment transactions are processed through secure, PCI DSS compliant third-party payment gateways. For sensitive personal data, especially that collected for insurance purposes, we implement additional security measures and access controls.

5. Sharing Your Personal Information

We do not sell, trade, or rent your personal identification information to others. We may share generic aggregated demographic information not linked to any personal identification information regarding visitors and users with our business partners, trusted affiliates, and advertisers for the purposes outlined above.

We may share your personal data with:

Insurance Partners: To facilitate insurance quotes, applications, underwriting, and policy administration, we will share necessary personal information (including sensitive personal data where applicable and with your consent) with the relevant insurance companies or underwriters whose products you are interested in or purchase. These partners are legally bound to protect your data.
Third-Party Service Providers: We may use third-party service providers to help us operate our business and the Site or administer activities on our behalf, such as sending out newsletters, conducting surveys, processing payments, or providing IT support. We may share your information with these third parties for those limited purposes, provided that you have given us your permission where required. These third parties are obligated to keep your information confidential and use it only for the purposes for which we disclose it to them.
Professional Advisors: Such as lawyers, auditors, and consultants when necessary for our business operations.

We may also disclose your personal information if required to do so by law or in the good faith belief that such action is necessary to:

Comply with a legal obligation, including regulations related to insurance business in Thailand.
Protect and defend the rights or property of Star Brokerage Co.,Ltd.
Prevent or investigate possible wrongdoing in connection with the Service.
Protect the personal safety of users of the Service or the public.
Protect against legal liability.

6. Cookies

Our Site may use “cookies” to enhance User experience. Your web browser places cookies on your hard drive for record-keeping purposes and sometimes to track information about them. You may choose to set your web browser to refuse cookies or to alert you when cookies are being sent. If you do so, note that some parts of the Site may not function properly.

7. Your Rights

Under the Personal Data Protection Act (PDPA) of Thailand, you have certain rights regarding your personal data, including the right to:

Access: Request a copy of the personal data we hold about you.
Rectification: Request correction of your personal data if it is inaccurate or incomplete.
Erasure: Request erasure of your personal data where there is no good reason for us to continue processing it (though this may be subject to legal obligations for data retention).
Restriction of Processing: Request us to suspend the processing of your personal data in certain circumstances.
Portability: Request the transfer of your personal data to you or to a third party.
Object to Processing: Object to the processing of your personal data where we are relying on a legitimate interest (or those of a third party) and there is something about your particular situation which makes you want to object to processing on this ground.
Withdraw Consent: Withdraw your consent at any time where we are relying on consent to process your personal data. This will not affect the lawfulness of any processing carried out before you withdraw your consent. If you withdraw your consent, we may not be able to provide certain products or services to you.

To exercise any of these rights, please contact us using the contact details provided below. We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it.

8. No Refund Policy

Please be aware that all purchases made through Star Brokerage Co., Ltd. are final. We have a strict no-refund, no-return, and no-exchange policy for any products purchased, including insurance premiums once a policy has been issued and is in effect. We strongly advise you to carefully review your order and the terms and conditions of any insurance policy before making a final purchase.

The company reserves the right to cancel the policy and fully refund the insurance premium if the conditions for underwriting are not met.

This policy is in place due to the nature of our products/services and the binding agreements with underwriters once a policy is issued.

9. Third-Party Websites

Users may find advertising or other content on our Site that link to the sites and services of our partners, suppliers, advertisers, sponsors, licensors, and other third parties. We do not control the content or links that appear on these sites and are not responsible for the practices employed by websites linked to or from our Site. In addition, these sites or services, including their content and links, may be constantly changing. These sites and services may have their own privacy policies and customer service policies. Browse and interaction on any other website, including websites which have a link to our Site, is subject to that website’s own terms and policies.

10. Changes to This Privacy Policy

Star Brokerage Co.,Ltd. has the discretion to update this privacy policy at any time. When we do, we will revise the “Last Updated” date at the top of this page. We encourage Users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.

11. Contacting Us

If you have any questions about this Privacy Policy, the practices of this site, or your dealings with this site, please contact us at:

Star Brokerage Co.,Ltd.
390 ABC World Tower, Room B3, 1st Floor
Ramkhamhaeng Rd. Hua-Mak, Bang Kapi, Bangkok 10240
contact@stars.broker
Tel : 0-2662-8576