When you use our budgeting platform, we collect information that helps us provide better financial planning tools. This includes data you voluntarily share and some technical information gathered automatically.

Personal Information You Provide:

• Account details like your name, email address, and phone number
• Financial information including income, expenses, and budget categories you create
• Transaction data when you connect bank accounts or manually enter expenses
• Communication records when you contact our support team
• Profile preferences and notification settings

Automatically Collected Information:

• Device information such as browser type, operating system, and IP address
• Usage patterns including pages visited, features used, and session duration
• Cookies and similar tracking technologies for site functionality
• Location data if you enable location-based features

Your information helps us deliver personalized budgeting insights and maintain a secure platform. We process your data for these specific purposes:

We analyze spending patterns to provide budget recommendations, but this analysis happens within your individual account. Your financial data isn't combined with other users' information for marketing purposes.

We limit data sharing to essential service providers who help us operate the platform securely. Here's exactly who might access your information:

Financial Data Providers: We use Plaid and similar services to connect with your bank accounts. These providers have their own strict privacy policies and only provide transaction data you authorize.

Cloud Infrastructure: Your data is stored on secure servers provided by AWS and Google Cloud. These providers maintain enterprise-level security but cannot access your personal information.

Analytics Services: We use privacy-focused analytics tools to understand how people use our platform. This data is anonymized and doesn't include personal financial information.

Customer Support Tools: When you contact support, we may use help desk software that stores your communication. Support staff only access information necessary to resolve your issue.

Vietnamese data protection laws give you control over your personal information. You can exercise these rights by contacting us directly:

To exercise any of these rights, send us an email with your request. We'll verify your identity and respond within 30 days as required by Vietnamese regulations.

Protecting your financial information is our top priority. We've implemented multiple layers of security to keep your data safe:

Encryption: All data transfers use TLS 1.3 encryption. Your information is also encrypted when stored on our servers, making it unreadable even if someone gained unauthorized access.

Access Controls: Only essential staff can access user data, and all access is logged and monitored. Employees undergo background checks and sign strict confidentiality agreements.

Regular Security Audits: We conduct quarterly security assessments and penetration testing to identify and fix potential vulnerabilities.

Infrastructure Security: Our servers are hosted in certified data centers with 24/7 physical security, backup power systems, and environmental controls.

Incident Response: If a security breach occurs, we have procedures to contain the issue quickly and notify affected users within 72 hours as required by law.

We keep your information only as long as necessary to provide our services and comply with legal requirements:

Active Accounts: While your account remains active, we retain all your budgeting data to maintain service functionality and provide historical analysis.

Inactive Accounts: If you don't log in for 24 months, we'll send email reminders before marking your account inactive. Inactive accounts are deleted after 36 months total.

Account Deletion: When you request account deletion, we remove your personal data within 30 days. Some information may be retained longer if required for legal compliance or fraud prevention.

Financial Records: Transaction data is typically deleted with your account, but we may retain aggregated, anonymized data for service improvement.

Communication Records: Customer support conversations are kept for 2 years to help resolve future issues and improve our service quality.

You can request immediate deletion of your account and data at any time by contacting our support team. We'll confirm the deletion timeline and any information that must be retained for legal reasons.

Our website uses cookies and similar technologies to provide functionality and improve your experience. Here's what we use and why:

Essential Cookies: Required for basic site functionality like keeping you logged in and remembering your preferences. These cannot be disabled if you want to use the platform.

Analytics Cookies: Help us understand how people use our site so we can make improvements. These are anonymized and don't track your personal financial activity.

Security Cookies: Detect unusual login attempts and protect against automated attacks on user accounts.

You can control cookies through your browser settings, but disabling essential cookies may affect site functionality. We don't use advertising cookies or share cookie data with marketing companies.

While Wisepointsystem operates primarily in Vietnam, some of our service providers are located in other countries. Your data may be transferred to and processed in:

• United States (AWS cloud infrastructure, customer support tools)
• European Union (analytics services, email delivery)
• Singapore (backup storage and disaster recovery)

These transfers happen only with providers that maintain adequate data protection standards. We use standard contractual clauses and other safeguards to ensure your information receives the same level of protection regardless of location.

If you have concerns about international data transfers, please contact us to discuss available options for data localization.

Wisepointsystem is designed for adults managing their personal finances. We don't knowingly collect personal information from anyone under 16 years old.

If you're a parent and believe your child has provided us with personal information, please contact us immediately. We'll delete the information and close any accounts created by minors.

Teenagers aged 16-18 may use our platform with parental consent, but we recommend adult supervision when connecting bank accounts or entering sensitive financial information.

We may update this privacy policy occasionally to reflect changes in our services, legal requirements, or data handling practices. Here's how we manage updates:

Notification Process: We'll email registered users about significant changes at least 30 days before they take effect. Minor clarifications may be updated without advance notice.

Review Period: After receiving notification, you have time to review changes and decide if you want to continue using our services.

Version History: Previous versions of our privacy policy are available upon request if you need to review past commitments.

Continued Use: Using Wisepointsystem after policy changes take effect means you accept the updated terms.

We encourage you to review our privacy policy periodically, especially before providing new types of personal information or using new features.