Privacy Policy
Effective Date: January 15, 2025
Introduction and Our Commitment
At Point-System, we understand that your privacy matters deeply. When you trust us with your personal information while exploring creative budgeting solutions, we take that responsibility seriously. This policy explains how we collect, use, and protect your data in clear, straightforward language—because you deserve to know exactly what happens with your information.
We operate under Vietnamese privacy laws and international best practices. This means we follow strict guidelines about data protection, and we're always working to keep your information secure and private.
Information We Collect
We collect different types of information depending on how you interact with our budgeting platform and educational resources. Here's what we gather and why:
| Information Type | Examples | Collection Method |
|---|---|---|
| Contact Information | Name, email address, phone number | Registration forms, contact inquiries |
| Financial Preferences | Budgeting goals, spending categories, saving targets | Platform usage, preference settings |
| Usage Data | Pages visited, features used, session duration | Automatic collection through analytics |
| Device Information | Browser type, operating system, IP address | Automatic collection for technical support |
We never collect sensitive financial account information like bank passwords or credit card numbers. Our focus is on helping you understand budgeting patterns, not accessing your actual accounts.
How We Use Your Information
Your information helps us provide better budgeting education and platform experiences. We use data to personalize your learning journey, suggest relevant content, and improve our services based on what actually works for our users.
- Personalizing your budgeting dashboard and educational recommendations
- Sending relevant tips and updates about creative budgeting strategies
- Analyzing usage patterns to improve our platform features
- Providing customer support when you need help
- Ensuring platform security and preventing unauthorized access
- Complying with Vietnamese financial education regulations
We don't sell your personal information to third parties, and we don't use it for advertising purposes outside our own educational content recommendations.
Data Sharing and Third Parties
We work with a small number of trusted service providers to deliver our platform effectively. These partnerships are carefully managed with strict data protection agreements.
Educational Content Partners
We may share anonymized usage data with content creators to help develop better budgeting educational materials. No personal identifying information is included.
Technical Service Providers
Cloud hosting and analytics services process your data under strict confidentiality agreements. They can only use information to provide services to us, never for their own purposes.
Legal Requirements
We may disclose information when required by Vietnamese law, court orders, or to protect our users' safety and platform security.
Business Transfers
If Point-System is acquired or merged, your data would transfer under the same privacy protections outlined in this policy.
Your Privacy Rights
You have significant control over your personal data. Here are your rights and how to exercise them:
- Access Rights: Request copies of personal data we hold about you
- Correction Rights: Update or correct inaccurate personal information
- Deletion Rights: Request removal of your personal data from our systems
- Portability Rights: Receive your data in a common, machine-readable format
- Restriction Rights: Limit how we process your information
- Objection Rights: Object to certain types of data processing
To exercise any of these rights, contact us at info@point-system.com. We'll respond within 30 days and verify your identity before processing requests. These services are provided free of charge.
Data Security and Protection
We invest heavily in protecting your information through multiple layers of security. Our approach combines technical safeguards with careful operational practices.
All data transmission uses encrypted connections (SSL/TLS), and we store information on secure servers with restricted access. Our team receives regular security training, and we conduct periodic security audits to identify and address potential vulnerabilities.
While we work hard to protect your information, no internet-based system is completely secure. We encourage you to use strong passwords and contact us immediately if you notice any suspicious activity on your account.
Data Retention and Deletion
We keep your information only as long as necessary to provide our services and comply with legal requirements. Different types of data have different retention periods:
- Account information: Retained while your account is active plus 3 years
- Usage analytics: Anonymized and retained for up to 5 years for service improvement
- Support communications: Kept for 2 years to help with future inquiries
- Marketing preferences: Maintained until you unsubscribe or request deletion
When we delete your data, we remove it from active systems and ensure it cannot be recovered. Some information may persist in backup systems for up to 90 days before final deletion.
International Data Transfers
Some of our service providers operate outside Vietnam, which means your data may be processed in other countries. When this happens, we ensure these transfers meet Vietnamese privacy standards through appropriate legal mechanisms.
We only work with providers in countries that offer adequate data protection or have signed standard contractual clauses that guarantee your information receives the same level of protection it would have in Vietnam.
Cookies and Tracking Technologies
Our platform uses cookies and similar technologies to enhance your experience and understand how you use our services. Most cookies are essential for basic functionality, while others help us improve and personalize your experience.
You can control cookie settings through your browser, though disabling certain cookies may affect platform functionality. We provide detailed information about our cookie usage in our separate Cookie Policy, available on our website.
Children's Privacy
Point-System is designed for adults managing their personal finances. We don't knowingly collect information from children under 16. If we discover we've accidentally collected such information, we'll delete it promptly.
Parents who believe we've collected their child's information should contact us immediately. We take these situations seriously and will work quickly to address any concerns.
We review and update this privacy policy regularly to reflect changes in our practices, technology, and legal requirements. We'll notify users of significant changes via email or prominent website notices at least 30 days before implementation.
Privacy Questions and Contact Information
We're committed to addressing your privacy concerns promptly and transparently. Don't hesitate to reach out with questions about how we handle your information.