Smart Budget Solutions | Priority-Based Financial Planning

Introduction

SmartNextFlow ("we," "our," or "us") operates the smartnextflow.com platform, providing budget prioritization and financial management tools. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services. We are committed to protecting your privacy and complying with applicable Vietnamese data protection laws, including Decree 13/2023/ND-CP on Personal Data Protection.

By using our platform, you consent to the data practices described in this policy. If you do not agree with the terms of this Privacy Policy, please do not access or use our services.

Information We Collect

Personal Information

We collect information that identifies, relates to, or could reasonably be linked with you or your household. This includes:

Name and contact details (email address, phone number, mailing address)
Account credentials and security information
Financial information related to budget management and prioritization
Payment and billing information for premium services
Communication records and support interactions

Usage Information

We automatically collect information about how you interact with our platform:

Device information (IP address, browser type, operating system)
Usage patterns and feature preferences within our platform
Log data including access times, pages viewed, and actions taken
Cookies and similar tracking technologies data

We do not collect sensitive financial data such as bank account numbers, credit card details, or investment portfolio specifics. Our platform focuses on budget planning and prioritization tools that work with your input data.

How We Use Your Information

We use the collected information for legitimate business purposes, including:

Service Provision

Creating and managing your account and user profile
Providing budget prioritization tools and financial planning features
Processing transactions and managing billing for premium services
Delivering customer support and technical assistance

Platform Improvement

Analyzing usage patterns to enhance user experience
Developing new features and improving existing functionality
Conducting research and analytics for product development
Ensuring platform security and preventing fraudulent activities

Communication

Sending service-related notifications and updates
Providing educational content about financial management
Responding to inquiries and support requests
Delivering marketing communications (with your consent)

Data Sharing and Third Parties

We do not sell, trade, or rent your personal information to third parties. However, we may share your information in the following circumstances:

Service Providers

We work with trusted third-party service providers who assist in operating our platform:

Cloud hosting and data storage providers
Payment processors for billing and subscription management
Analytics and performance monitoring services
Customer support and communication platforms

Legal Requirements

We may disclose your information when required by Vietnamese law or to:

Comply with legal obligations and regulatory requirements
Respond to valid legal processes and government requests
Protect our rights, property, and the safety of our users
Investigate and prevent fraudulent or illegal activities

All third-party service providers are contractually required to maintain appropriate security measures and use your information only for the purposes we specify.

Your Rights and Choices

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

Access and Correction

Request access to the personal information we hold about you
Update or correct inaccurate or incomplete information
Download a copy of your data in a portable format

Deletion and Restriction

Request deletion of your personal information
Restrict processing of your data in certain circumstances
Object to processing based on legitimate interests

Communication Preferences

Opt out of marketing communications at any time
Manage notification settings within your account
Control cookie preferences through your browser settings

To exercise these rights, please contact us using the information provided below. We will respond to your requests within 30 days as required by Vietnamese law.

Data Security and Protection

We implement comprehensive security measures to protect your personal information:

Technical Safeguards

Encryption of data in transit and at rest using industry standards
Secure server infrastructure with regular security updates
Multi-factor authentication for account access
Regular security assessments and penetration testing

Administrative Controls

Limited access to personal information on a need-to-know basis
Staff training on data protection and privacy practices
Regular monitoring and auditing of data processing activities
Incident response procedures for data security breaches

While we implement robust security measures, no system is completely secure. We encourage users to maintain strong passwords and keep their account credentials confidential.

Data Retention

We retain your personal information only as long as necessary to fulfill the purposes outlined in this policy:

Account information is retained while your account remains active
Financial data and budget information are kept for up to 7 years for tax and regulatory purposes
Communication records are maintained for 3 years for support and quality assurance
Marketing data is retained until you withdraw consent or for 2 years of inactivity
Technical logs and usage data are typically deleted after 1 year

When personal information is no longer needed, we securely delete or anonymize it. You may request earlier deletion by contacting us, subject to legal and regulatory requirements.

International Data Transfers

Your information may be transferred to and processed in countries outside Vietnam, including servers and service providers in other jurisdictions. When we transfer personal data internationally, we ensure adequate protection through:

Selecting service providers with strong data protection standards
Implementing contractual safeguards and standard contractual clauses
Ensuring compliance with Vietnamese data protection requirements
Regular assessment of third-party security measures

Children's Privacy

Our services are not designed for or directed at individuals under 18 years of age. We do not knowingly collect personal information from minors without proper parental consent. If we discover that we have collected information from a child under 18, we will promptly delete such information from our systems.

Parents and guardians who believe their child may have provided personal information to us should contact us immediately so we can remove such information from our records.

Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, legal requirements, or business operations. When we make significant changes, we will:

Post the updated policy on our website with a new effective date
Notify active users via email or platform notification
Provide a summary of key changes where appropriate
Request renewed consent for material changes affecting data processing

We encourage you to review this Privacy Policy regularly to stay informed about how we protect your information.

Privacy Policy