Privacy Policy

Information We Collect

At Smartspotconnect, we collect various types of information to provide you with our creative budgeting platform services. This includes information you directly provide to us and information we automatically collect during your use of our platform.

• Personal identification information including your name, email address, and phone number when you register for our services
• Financial information related to your budgeting activities, spending patterns, and financial goals that you choose to input into our platform
• Technical information such as your IP address, browser type, device information, and usage patterns to improve our platform performance
• Communication data when you contact our support team or participate in our educational programs
• Location data to provide region-specific financial insights and comply with local regulations in Vietnam

How We Use Your Information

Your information helps us deliver personalized budgeting insights and maintain the security of our platform. We process your data with specific purposes in mind, always ensuring we have a legitimate basis for each use.

• Providing personalized budgeting recommendations and financial insights tailored to your spending habits and goals
• Maintaining and improving our platform functionality, including developing new features for creative budget management
• Communicating important updates about your account, new features, and educational content about financial planning
• Ensuring platform security by monitoring for suspicious activities and preventing unauthorized access
• Complying with Vietnamese financial regulations and legal requirements for financial service providers
• Conducting research and analytics to understand user needs and improve our educational resources

Data Storage and Security

We implement robust security measures to protect your information from unauthorized access, alteration, or disclosure. Our data storage practices comply with Vietnamese data protection standards and international best practices.

Your data is stored on secure servers located within Vietnam, with encrypted connections and regular security audits. We maintain backup systems to ensure data integrity while implementing strict access controls for our team members.

• Advanced encryption for all data transmission and storage using industry-standard protocols
• Regular security assessments and penetration testing to identify and address potential vulnerabilities
• Strict access controls ensuring only authorized personnel can access your information for legitimate business purposes
• Automated backup systems with secure storage to prevent data loss while maintaining confidentiality
• Compliance monitoring to ensure our practices align with Vietnamese cybersecurity regulations

Your Rights and Control

Under Vietnamese data protection laws, you have significant rights regarding your personal information. We respect these rights and provide clear processes for you to exercise them.

You can access, correct, or delete your personal information at any time through your account settings or by contacting our support team. We will respond to your requests within the timeframes required by Vietnamese law.

• Access your personal information and receive a copy of the data we hold about you
• Correct any inaccurate or outdated information in your profile or financial records
• Request deletion of your account and associated data, subject to legal retention requirements
• Object to certain types of data processing or withdraw consent where applicable
• Request data portability to transfer your information to another service provider
• File complaints with Vietnamese data protection authorities if you believe your rights have been violated

Data Sharing and Third Parties

We work with carefully selected partners to provide our services, but we never share your personal information without proper safeguards and legitimate business reasons. All third-party relationships are governed by strict data protection agreements.

• Vietnamese banks and financial institutions for secure transaction processing, subject to banking confidentiality laws
• Cloud service providers who maintain our technical infrastructure under comprehensive data protection agreements
• Educational content providers who help us develop financial literacy materials, receiving only anonymized usage data
• Legal and compliance advisors when required to meet Vietnamese regulatory requirements
• Government authorities when legally required, such as for tax reporting or regulatory compliance

We conduct regular audits of our third-party relationships to ensure they maintain appropriate security standards and comply with Vietnamese data protection requirements.

Data Retention and Deletion

We retain your information only as long as necessary to provide our services and comply with Vietnamese legal requirements. Different types of data have different retention periods based on their purpose and legal obligations.

• Account information is retained for the duration of your active account plus three years after closure for customer service purposes
• Financial transaction data is kept for seven years in accordance with Vietnamese accounting and tax regulations
• Technical logs and usage data are automatically deleted after 24 months unless needed for security investigations
• Communication records with customer support are retained for two years to help resolve future inquiries
• Marketing preferences and communication history are deleted immediately upon unsubscribe requests

When data reaches its retention limit, we securely delete it using industry-standard data destruction methods. You can request earlier deletion of certain data types, subject to legal retention requirements.

Cookies and Tracking Technology

Our platform uses cookies and similar technologies to enhance your browsing experience and provide personalized services. We are transparent about what technologies we use and give you control over your preferences.

• Essential cookies that are necessary for basic platform functionality and security
• Performance cookies that help us understand how users interact with our budgeting tools
• Preference cookies that remember your settings and personalization choices
• Analytics cookies that provide insights into platform usage to improve our services

We do not use advertising cookies or share cookie data with advertising networks. All tracking is focused on improving your experience with our budgeting platform.

Updates to This Policy

We may update this privacy policy periodically to reflect changes in our practices, technology, or legal requirements. When we make significant changes, we will notify you through your registered email address and provide a prominent notice on our platform.

We encourage you to review this policy regularly to stay informed about how we protect your information. The effective date at the top of this policy indicates when it was last updated.