Privacy Policy

Your privacy matters to us. This policy explains how SmartConnectFlow collects, uses, and protects your personal information when you use our budget allocation platform and services.

Last Updated: March 15, 2025 | Effective Date: January 1, 2025

Information We Collect

Personal Information

When you register for SmartConnectFlow or use our budget allocation services, we collect information that helps us provide personalized financial planning tools. This includes your name, email address, phone number, and basic demographic information necessary for creating your account.

Important: We only collect information that's essential for delivering our budget allocation services. You can review and update your personal information anytime through your account settings.

Financial Data

Our platform processes budget information, spending categories, and financial goals you enter to provide allocation recommendations. We understand this data is sensitive and apply the highest security standards to protect it.

Budget amounts and spending categories you create
Financial goals and target allocations you set
Transaction patterns within our platform
Usage analytics to improve our allocation algorithms

Technical Information

Like most online platforms, we automatically collect certain technical information when you visit SmartConnectFlow. This helps us maintain security and improve user experience.

Data Type	Purpose	Retention Period
IP Address	Security and fraud prevention	90 days
Browser Information	Platform optimization	12 months
Session Data	User experience improvement	30 days
Cookie Preferences	Personalization	24 months

How We Use Your Information

Service Delivery

Your information primarily helps us deliver effective budget allocation tools. We analyze your spending patterns and financial goals to suggest optimal budget distributions that align with your objectives.

Platform Improvement

We use aggregated, anonymized data to enhance our allocation algorithms and develop new features. This helps us create better budgeting tools for all users while maintaining individual privacy.

Account Creation

Basic information is used to set up your SmartConnectFlow account and verify your identity for security purposes.

Budget Analysis

Financial data you input is processed to generate personalized allocation recommendations and track progress toward your goals.

Communication

Contact information is used for account notifications, security alerts, and optional updates about new features that might interest you.

Legal Compliance

In accordance with Vietnamese data protection laws and international standards, we may process your information to comply with legal obligations, respond to government requests, or protect our legitimate business interests and those of our users.

Data Sharing and Third Parties

Service Providers

We work with trusted third-party service providers to deliver SmartConnectFlow's features. These partners have access to limited information necessary for their specific functions and are bound by strict confidentiality agreements.

Cloud Hosting

Secure servers that store your encrypted data with enterprise-level security measures and regular backups.

Analytics Services

Anonymized usage data helps us understand how users interact with budget allocation tools to improve functionality.

Communication Tools

Email and notification services that deliver account updates and security alerts through trusted providers.

No Data Sales

SmartConnectFlow never sells your personal information to third parties. We don't share your financial data with marketers, brokers, or other companies for their commercial purposes.

Your Control: You can request details about any third parties who have access to your information and opt out of non-essential data sharing through your account settings.

Legal Requirements

We may disclose information when required by Vietnamese law, court orders, or government regulations. In such cases, we'll notify you unless legally prohibited from doing so.

Your Privacy Rights

Access and Control

You have comprehensive rights regarding your personal information. SmartConnectFlow provides easy-to-use tools for exercising these rights through your account dashboard or by contacting our privacy team directly.

Access all personal information we have about you
Correct or update inaccurate information
Delete your account and associated data
Export your data in a portable format
Restrict certain types of data processing
Object to processing for specific purposes

Data Portability

You can download your budget data, financial goals, and account information in standard formats. This makes it easy to transfer your information to other platforms if you choose to stop using SmartConnectFlow.

Withdrawal of Consent

For data processing based on your consent, you can withdraw that consent anytime. This won't affect the legality of processing that occurred before your withdrawal, but it will stop future processing for those specific purposes.

Response Time: We respond to privacy requests within 30 days of verification. Complex requests may take up to 90 days, and we'll keep you informed of our progress.

Data Security and Protection

Technical Safeguards

SmartConnectFlow employs multiple layers of security to protect your information. Your financial data is encrypted both in transit and at rest using industry-standard encryption protocols.

Security Measure	Implementation	Purpose
Encryption	AES-256 encryption for stored data	Protect data from unauthorized access
Secure Transmission	TLS 1.3 for all data transfers	Secure communication channels
Access Controls	Multi-factor authentication	Verify user identity
Monitoring	24/7 security monitoring	Detect suspicious activities

Staff Training and Access

Our team members receive regular privacy and security training. Access to user data is strictly limited to employees who need it for their job functions, and all access is logged and monitored.

Incident Response

In the unlikely event of a security incident, we have procedures to quickly assess, contain, and address any potential data breaches. We'll notify affected users and relevant authorities as required by law.

Data Retention and Deletion

Retention Periods

We keep your information only as long as necessary to provide SmartConnectFlow services or as required by Vietnamese law. Different types of data have different retention periods based on their purpose and legal requirements.

Account Data

When you close your SmartConnectFlow account, we delete your personal information within 90 days unless legal obligations require longer retention. Some aggregated, anonymized data may be retained for statistical purposes.

Active Account Period

All data is retained to provide full service functionality and maintain your budget allocation history.

Account Closure Request

Personal identification is removed immediately, and financial data is anonymized within 30 days of request verification.

Complete Deletion

All personal data is permanently deleted from our systems within 90 days, except where legal retention is required.

Legal Hold Exceptions

In rare cases, we may need to retain certain information longer to comply with legal obligations, resolve disputes, or enforce our terms of service. We'll inform you if this applies to your data.

Privacy Questions and Contact

For privacy-related questions, data requests, or concerns about how we handle your information, please contact our privacy team:

Email: info@smartconnectflow.com

Phone: +842906573017

Address: Ngõ 885 Dương Tự Minh, Quang Vinh
Thành phố Thái Nguyên, Thái Nguyên 24100
Vietnam

We respond to privacy inquiries within two business days and work diligently to address your concerns promptly and thoroughly.