Smartplusflow collects personal information that you voluntarily provide when using our budget consolidation platform. This includes information you share during account registration, profile setup, and ongoing use of our financial management tools.

We use this information primarily to deliver our core budget consolidation services, helping you track expenses across multiple accounts and gain insights into your spending habits. Your financial data enables us to categorize transactions, identify trends, and provide meaningful budgeting recommendations.

Under Vietnamese data protection regulations, we process your personal information based on several legal grounds. Our primary basis is your explicit consent, which you provide when creating an account and agreeing to our terms of service.

We also process certain data based on legitimate business interests, particularly for fraud prevention, security monitoring, and service improvement. When processing is necessary for contract performance – such as providing you with budget analysis reports – we rely on contractual necessity as our legal basis.

For sensitive financial data, we always obtain explicit consent before processing. You maintain control over this consent and can withdraw it at any time through your account settings or by contacting our privacy team directly.

Smartplusflow maintains strict controls over data sharing and only works with carefully vetted third-party service providers who meet our high standards for data protection and privacy compliance.

Authorized Third-Party Services:

Our platform integrates with legitimate financial institutions and certified payment processors to facilitate secure account connections. These partnerships operate under strict data processing agreements that limit access to only the information necessary for providing our services.

All third-party processors must comply with Vietnamese data protection laws and maintain equivalent security standards to our own. We regularly audit these relationships and can provide additional details about specific partnerships upon request.

Vietnamese data protection law grants you comprehensive rights regarding your personal information. We've designed our platform to make exercising these rights straightforward and accessible through multiple channels.

How to Exercise Your Rights:

Most privacy controls are available directly through your account dashboard, where you can modify data sharing preferences, update personal information, or download your data history. For more complex requests or account deletion, our privacy team responds to requests within 15 business days.

Protecting your financial information requires robust security measures that go beyond basic encryption. We've implemented multiple layers of protection designed specifically for financial data handling and storage.

Our security team monitors systems continuously for unusual activity and maintains incident response procedures that can isolate and address potential threats within minutes. We also conduct regular training for all staff members who handle customer data.

Data Access Controls:

Access to your personal information is strictly limited to authorized personnel who require it for their specific job functions. All access is logged and regularly reviewed to ensure compliance with our internal data handling policies.

We retain your personal information only as long as necessary to provide our services and comply with Vietnamese legal requirements. Our retention policies balance your privacy interests with practical needs for account management and regulatory compliance.

When data reaches the end of its retention period, we use secure deletion procedures that make information unrecoverable. For accounts you choose to close, most personal information is deleted within 30 days, though some financial records may be retained longer to meet legal obligations.

Active Data Management:

Our systems automatically flag data approaching retention limits and prompt appropriate action. You can also request early deletion of specific information types if they're no longer needed for active service provision.

While Smartplusflow primarily operates within Vietnam and stores data in Vietnamese facilities, certain technical services may involve international data transfers. We ensure all such transfers meet strict adequacy requirements and provide equivalent protection to Vietnamese data protection standards.

Any international transfers are limited to essential technical functions such as cloud backup services or specialized security monitoring. We maintain detailed records of all international data flows and can provide specific information about transfer destinations upon request.

Regulatory Compliance:

Our privacy practices align with Vietnamese data protection regulations while also considering international standards where relevant. We regularly update our procedures to reflect changes in local and international privacy law requirements.

Smartplusflow is designed for adults managing personal finances and is not intended for use by individuals under 18 years of age. We do not knowingly collect personal information from minors and have implemented age verification procedures during account registration.

If we become aware that we have inadvertently collected information from someone under 18, we will take immediate steps to delete such information from our systems and prevent further data collection from that individual.

Age Verification Process:

Our registration process includes age confirmation requirements and may request additional verification for accounts where age cannot be clearly established. This helps ensure our platform is used only by individuals legally able to enter into financial service agreements.

We periodically update this privacy policy to reflect changes in our services, legal requirements, or privacy practices. Significant changes that affect how we collect, use, or protect your information will be communicated through multiple channels to ensure you're fully informed.

For minor updates that don't affect your rights or our core privacy practices, we may implement changes with notice through our standard communication channels. Major changes that require new consent will include clear opt-in procedures.

Version History:

We maintain a detailed changelog of privacy policy updates, including dates of changes and descriptions of what was modified. This information helps you track how our privacy practices evolve over time.

Smartplusflow uses cookies and similar tracking technologies to enhance your experience, maintain session security, and analyze platform usage patterns. We provide granular controls over cookie preferences and honor your choices about tracking technologies.

You can manage cookie preferences through your browser settings or our cookie preference center, accessible from any page footer. Disabling certain cookies may limit some platform functionality, but core budgeting features remain available.

Third-Party Tracking:

We don't allow third-party advertising networks to track you through our platform. Any third-party cookies are limited to essential services like fraud prevention or customer support functionality, and we regularly audit these relationships.