Privacy Policy

Information We Collect

When you use PulseWaveSpark's budgeting platform, we collect information that helps us provide better financial planning services. This happens in several ways, and we want to be completely transparent about what we gather.

We also collect technical information like your IP address and browser type to improve our service performance and security. Your actual financial account details are never stored on our servers – we only work with the budget amounts and categories you choose to share with us.

How We Use Your Information

Your data helps us create a personalized budgeting experience that actually works for Vietnamese market conditions. We analyze spending patterns to suggest realistic budget categories and provide insights relevant to local economic conditions.

• Customize budget recommendations based on your financial goals
• Send relevant tips about managing finances in Vietnam's market
• Improve our platform's performance and add useful features
• Provide customer support when you need help with your budget
• Protect against fraud and maintain platform security

Data Protection and Security

We take security seriously, especially when handling financial information. Our servers use bank-level encryption, and we regularly update our security measures to protect against new threats.

All data transmission happens through secured SSL connections. We store your information on encrypted servers located in compliance with Vietnam's data protection regulations. Our team receives regular security training, and we limit access to your data to only those employees who need it to provide support.

If we ever detect a security incident that might affect your data, we'll notify you within 72 hours and explain exactly what happened and what we're doing about it.

Your Rights and Control

Under Vietnamese data protection laws and international standards, you have several important rights regarding your personal information. We've made it easy to exercise these rights through your account settings or by contacting our support team.

Data Sharing and Third Parties

We work with a small number of trusted partners to provide our budgeting service, but we never share your personal financial information unnecessarily. Here's exactly who might access your data and why.

• Cloud hosting providers who store our data securely in Vietnamese-compliant facilities
• Email service providers who help us send you budget updates and tips
• Analytics services that help us understand how to improve our platform (with anonymized data only)
• Customer support tools that help our team assist you more effectively

All our partners sign strict data processing agreements and must meet our security standards. We regularly audit these relationships to ensure your information stays protected.

International Data Transfers

While we primarily store data within Vietnam to comply with local regulations, some of our technical partners operate internationally. When data needs to cross borders, we use approved safeguards like Standard Contractual Clauses to ensure the same level of protection.

We never transfer data to countries with inadequate privacy protections, and we always inform users if our data storage practices change significantly.

Data Retention

We keep your data only as long as necessary to provide our budgeting service or as required by Vietnamese law. Most personal information is automatically deleted three years after your last login, though you can request earlier deletion at any time.

Children's Privacy

PulseWaveSpark is designed for adults managing their own finances. We don't knowingly collect information from anyone under 18, and our terms of service require users to be at least 18 years old.

If we discover that we've accidentally collected information from someone under 18, we'll delete it immediately and notify the parents or guardians if we can identify them.

Changes to This Policy

We update this privacy policy occasionally to reflect new features, legal requirements, or improved practices. When we make significant changes, we'll email all active users at least 30 days before the changes take effect.

You can always find the current version of our privacy policy on our website, along with a summary of recent changes. If you don't agree with any updates, you can close your account before they take effect.