Smart Flash Digital

Introduction and Scope

SmartFlashDigital ("we," "our," or "us") operates smartflashdigital.com and provides simple budgeting and financial management services. This privacy policy explains how we collect, use, protect, and handle your personal information when you use our platform.

We're committed to protecting your privacy and being transparent about our data practices. This policy applies to all users of our services, whether you're browsing our website, using our budgeting tools, or participating in our educational programs.

Information We Collect

We collect several types of information to provide and improve our services:

Personal Information

Name, email address, and phone number when you register
Financial goals and budgeting preferences you share
Communication records when you contact our support team
Educational program enrollment information

Financial Information

Budget categories and spending limits you create
Financial goals and progress tracking data
Income and expense information you voluntarily provide
Payment information for premium services (processed securely by third-party providers)

Technical Information

Device information, browser type, and operating system
IP address and general location information
Usage patterns and feature interactions
Cookies and similar tracking technologies

How We Use Your Information

Your information helps us deliver personalized financial tools and educational content:

Providing budgeting tools and financial tracking features
Customizing your dashboard and recommendations
Communicating about your account and our services
Offering relevant educational content and program suggestions
Improving our platform based on usage patterns
Ensuring security and preventing fraudulent activities
Complying with legal requirements and regulatory obligations

Information Sharing and Disclosure

We don't sell your personal information to third parties. However, we may share information in specific circumstances:

We only share your information when necessary to provide our services, protect our users, or comply with legal requirements. We never sell personal data for marketing purposes.

With service providers who help us operate our platform (cloud hosting, payment processing, customer support)
When required by law or to respond to legal processes
To protect the rights, safety, and security of our users and platform
In connection with business transfers or mergers (with continued privacy protection)
With your explicit consent for specific purposes

Data Security and Protection

We implement robust security measures to protect your information:

SSL encryption for all data transmission
Secure servers with regular security updates and monitoring
Access controls limiting employee access to necessary data only
Regular security audits and penetration testing
Financial data encryption using industry-standard protocols
Incident response procedures for potential security breaches

While we use strong security measures, no system is completely secure. We encourage you to use strong passwords and keep your login credentials confidential.

Your Privacy Rights

Under Vietnamese data protection laws and international standards, you have several rights regarding your personal information:

Access and Portability

You can request a copy of all personal information we hold about you. We'll provide this in a structured, commonly used format within 30 days.

Correction and Updates

You can update most of your information directly in your account settings. For other corrections, contact us and we'll make changes within 15 business days.

Deletion

You can request deletion of your account and associated data. Some information may be retained for legal compliance or legitimate business purposes as required by Vietnamese law.

Processing Restrictions

You can request limitations on how we process your information, though this might affect your ability to use certain features of our platform.

Data Retention

We retain your information for different periods based on the type of data and legal requirements:

Account information: Until you delete your account plus 7 years for financial records
Financial data: 7 years as required by Vietnamese financial regulations
Communication records: 3 years for customer service improvement
Technical logs: 2 years for security and system maintenance
Marketing preferences: Until you opt out or request deletion

Cookies and Tracking

We use cookies and similar technologies to enhance your experience:

Essential cookies for platform functionality and security
Preference cookies to remember your settings and customizations
Analytics cookies to understand how you use our platform (anonymized data)
Performance cookies to optimize loading times and user experience

You can control cookie settings through your browser, though disabling certain cookies may limit platform functionality.

International Data Transfers

Your data is primarily stored and processed in Vietnam. When we use international service providers, we ensure appropriate safeguards are in place:

Standard contractual clauses with overseas providers
Adequacy decisions for countries with strong privacy laws
Regular monitoring of international data processing arrangements

Children's Privacy

Our services are designed for adults managing their personal finances. We don't knowingly collect information from children under 16. If you're a parent and believe we've collected information about your child, please contact us immediately.

Changes to This Policy

We may update this privacy policy to reflect changes in our practices or legal requirements. We'll notify you of significant changes through email or prominent notices on our platform at least 30 days before they take effect.

Minor updates or clarifications may be made with shorter notice periods. We encourage you to review this policy periodically.

Privacy Policy