Privacy Policy

Information We Collect

When you interact with our platform, we gather different types of information. Some you provide directly, and some we collect automatically as you use our services. Here's what we typically handle:

Personal Information You Provide

• Your name, email address, and phone number when you create an account or reach out to us
• Financial information you share for analysis purposes, including income data and expense patterns
• Business details if you're representing a company using our services
• Payment information when you purchase our analysis tools or educational programs
• Communication preferences and feedback you share with us

Information Collected Automatically

Our systems collect technical data to improve your experience and keep things running smoothly. This includes your IP address, browser type, device information, and how you navigate through our platform. We use standard web technologies like cookies and similar tracking tools.

How We Use Your Information

We use the data we collect to provide and improve our financial stability analysis services. Everything we do with your information serves a specific purpose:

• Delivering personalized financial stability assessments based on your specific situation
• Processing your enrollment in educational programs and managing your learning progress
• Sending you relevant updates about our services and changes that might affect you
• Improving our analysis algorithms and platform functionality based on usage patterns
• Responding to your questions and providing customer support
• Meeting our legal obligations under Vietnamese regulations

Data Storage and Security

Your information is stored on secure servers located in Vietnam and backed up in regional data centers. We use industry-standard encryption for data transmission and storage. Our security measures include:

• 256-bit SSL encryption for all data transfers between your device and our servers
• Regular security audits and vulnerability assessments conducted quarterly
• Access controls that limit who can view your sensitive information internally
• Automated backup systems with 30-day retention for recovery purposes
• Multi-factor authentication options for your account security

While we take extensive precautions, no online system is completely immune to breaches. If we detect any unauthorized access to your data, we'll notify you within 72 hours as required by Vietnamese law.

Your Rights Under Vietnamese Law

Vietnam's data protection framework, including Decree 13/2023/ND-CP on personal data protection, gives you specific rights over your information. You can exercise these rights at any time by contacting us:

To exercise any of these rights, send us a written request via email. We'll respond within 15 days for straightforward requests, though complex cases might take up to 30 days. There's no fee unless your request is clearly unfounded or excessive.

Data Sharing and Third Parties

We work with a limited number of service providers who help us operate our platform. These partners only access your information when necessary and are bound by strict confidentiality agreements. Here's who might see your data:

• Payment processors who handle transactions securely (they never see your full financial picture, just payment details)
• Cloud hosting providers who maintain our infrastructure in secure facilities
• Email service providers who help us communicate with you about important account matters
• Analytics tools that help us understand how people use our platform (we use anonymized data whenever possible)

We may also disclose your information if required by Vietnamese law enforcement or regulatory authorities, but only when legally compelled to do so through proper channels.

Data Retention Periods

We keep your information only as long as necessary for the purposes we collected it. Different types of data have different retention schedules:

• Account information: Retained while your account is active, plus 12 months after closure for legal compliance
  • Financial analysis data: Kept for 24 months to track trends and improve our services
  • Educational program records: Maintained for 36 months as required by Vietnamese education regulations
• Transaction records: Stored for 7 years to meet tax and accounting requirements
• Marketing communications preferences: Retained until you unsubscribe or request deletion
• Technical logs and analytics: Automatically deleted after 18 months

After these periods end, we permanently delete or anonymize your data so it can no longer identify you. You can request early deletion in most cases, though we might need to keep certain records for legal reasons.

International Data Transfers

While our primary operations are in Vietnam, we occasionally transfer data internationally for specific purposes like cloud backup services or specialized technical support. When this happens, we ensure adequate protection through:

• Standard contractual clauses approved by Vietnamese authorities
• Verification that recipient countries have adequate data protection laws
• Additional encryption layers for cross-border data transmission
• Regular audits of international partners to ensure compliance

You always have the right to know where your data is stored and processed. Just ask us, and we'll provide specific details about any international transfers affecting your information.

Cookies and Tracking Technologies

Like most websites, we use cookies and similar technologies to make our platform work properly and improve your experience. When you first visit, you'll see a notice letting you control which cookies you accept.

Types of Cookies We Use

• Essential cookies: These keep the site functioning and remember your login status (you can't disable these)
• Performance cookies: Help us understand which features people use most and where we can improve
• Preference cookies: Remember your settings like language choice and display options

You can manage cookie preferences through your browser settings, but blocking certain cookies might limit some functionality. We don't use cookies for advertising or tracking you across other websites.

Children's Privacy

Our services are designed for adults dealing with financial planning and stability analysis. We don't knowingly collect information from anyone under 18 years old. If you're a parent and believe your child has provided us with personal information, contact us immediately and we'll delete it.

Educational programs targeting younger audiences (like financial literacy workshops) require verified parental consent before enrollment, and we limit data collection to the absolute minimum necessary.

Changes to This Policy

We update this privacy policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you via email at least 30 days before they take effect. Minor clarifications or formatting updates might not trigger a notification.

The "Last Updated" date at the top of this page always shows when we made the most recent changes. We recommend checking back periodically, especially if you're concerned about how your information is handled.