Personal Information

We collect personal information that you voluntarily provide to us when you register on our website, express interest in obtaining information about us or our services, or contact us directly.

• Full name and contact information (email address, phone number)
• Mailing address and billing information
• Financial information for budgeting purposes (income, expenses, financial goals)
• Account credentials and security information
• Communication preferences and marketing consent
• Customer service interactions and support requests

Automatically Collected Information

When you visit our website, we automatically collect certain information about your device and usage patterns. This information helps us improve our services and user experience.

• IP address and geographic location
• Browser type, version, and operating system
• Pages visited, time spent on pages, and click patterns
• Referral source and exit pages
• Device information and screen resolution
• Session duration and frequency of visits

Service Provision

To create and manage your account, provide personalized budgeting recommendations, process transactions, and deliver the financial management tools you've requested. We analyze your financial data to offer relevant insights and help you achieve your short-term budgeting goals.

Communication and Support

To respond to your inquiries, provide customer support, send important updates about our services, and communicate changes to our terms or policies. We may also send educational content related to financial management and budgeting tips.

Service Improvement

To analyze usage patterns, conduct research and analytics, improve our website functionality, and develop new features that better serve our users' financial planning needs.

Service Providers

We may share your information with trusted third-party service providers who assist us in operating our website, conducting business, or servicing you. These parties are contractually obligated to keep your information confidential and use it only for the specific services they provide to us.

Legal Requirements

We may disclose your information when required by Vietnamese law, regulation, legal process, or governmental request, or when we believe disclosure is necessary to protect our rights, your safety, or the safety of others.

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the business transaction, subject to the same privacy protections outlined in this policy.

Technical Safeguards

We use industry-standard encryption protocols (SSL/TLS) for data transmission, secure server infrastructure, regular security audits, and access controls to limit who can view your information. All financial data is encrypted both in transit and at rest.

Administrative Safeguards

Our staff receives regular privacy and security training, and access to personal information is limited to employees who need it to perform their job functions. We maintain detailed logs of data access and regularly review our security procedures.

How to Exercise Your Rights

To exercise any of these rights, please contact us using the information provided in the Contact section below. We will respond to your request within 30 days as required by Vietnamese law. You may need to verify your identity before we can process certain requests.

Retention Periods

Account information is retained for the duration of your active account plus three years after account closure. Financial data used for budgeting purposes is retained for five years to comply with Vietnamese financial record-keeping requirements. Website usage data and cookies are typically retained for 24 months unless you opt out earlier.

Deletion Procedures

When retention periods expire or when you request deletion, we securely delete or anonymize your personal information using industry-standard data destruction methods. Some information may be retained in backup systems for up to 90 days after deletion from active systems.

Types of Cookies We Use

Essential cookies are necessary for basic website functionality and cannot be disabled. Performance cookies help us understand how visitors interact with our website by collecting anonymous usage statistics. Functional cookies remember your preferences and settings to provide a more personalized experience.

Managing Cookies

You can control cookies through your browser settings, though disabling certain cookies may limit website functionality. Most browsers allow you to view, delete, and block cookies from specific websites. We also provide cookie preference settings accessible through our website footer.

Transfer Safeguards

We only transfer personal information to countries that provide adequate data protection or to service providers who have agreed to appropriate contractual safeguards. All international transfers comply with Vietnamese data protection requirements and industry standards.

Notification Process

Material changes will be communicated at least 30 days before they take effect. Continued use of our services after the effective date constitutes acceptance of the updated Privacy Policy. We encourage you to review this policy regularly to stay informed about how we protect your information.