Introduction

At Streamdigitalflow, we understand that your privacy matters. This comprehensive privacy policy explains how we collect, use, protect, and manage your personal information when you use our budget preparation platform and financial services. We're committed to maintaining the highest standards of data protection while providing you with valuable financial tools and resources.

This policy applies to all users of our platform located worldwide, with specific provisions for users in Vietnam where our primary operations are based. We follow international best practices for data protection and comply with applicable Vietnamese data protection laws and regulations.

Information We Collect

We only collect information that's necessary to provide our budget preparation services effectively. You have control over most of the information you share with us, and we'll always inform you about what data we're collecting and why.

How We Use Your Information

Your personal information serves several important purposes that directly benefit your experience with our platform:

• Service Delivery: Processing your budget data, generating financial reports, and providing personalized recommendations for your financial goals.
• Account Management: Creating and maintaining your user account, managing subscriptions, and handling billing processes.
• Communication: Sending important updates about your account, new features, and responding to your support requests.
• Platform Improvement: Analyzing usage patterns to enhance our features and develop new tools that better serve our users' needs.
• Security: Protecting your account from unauthorized access and preventing fraudulent activities on our platform.
• Legal Compliance: Meeting our obligations under Vietnamese and international financial regulations.

We never use your financial data for marketing purposes or share it with third parties for their commercial benefit. Your budget information remains private and is only used to provide the services you've requested.

Data Sharing and Third Parties

We maintain strict controls over your personal information and only share data in specific, limited circumstances:

• Service Providers: Trusted partners who help us operate our platform, such as cloud hosting providers and payment processors, under strict confidentiality agreements.
• Legal Requirements: When required by Vietnamese law or valid legal processes, such as court orders or regulatory investigations.
• Business Transfers: In the unlikely event of a merger or acquisition, your data would be transferred under the same privacy protections.
• Your Consent: Any other sharing only occurs with your explicit permission for specific purposes you've approved.

We never sell your personal information to advertisers, data brokers, or other third parties. We don't participate in data sharing networks that could compromise your privacy or use your information for purposes unrelated to our financial services.

Data Security Measures

Protecting your financial information is our top priority. We employ multiple layers of security to safeguard your data:

• Encryption: All data transmissions use industry-standard TLS encryption, and sensitive data is encrypted at rest using advanced encryption standards.
• Access Controls: Strict employee access policies ensure only authorized personnel can access your information on a need-to-know basis.
• Regular Audits: We conduct quarterly security assessments and work with independent security experts to identify and address potential vulnerabilities.
• Secure Infrastructure: Our servers are hosted in secure data centers with physical security measures, redundant systems, and regular backups.
• Monitoring: Continuous monitoring systems detect and alert us to any unusual access patterns or potential security threats.

While we implement comprehensive security measures, we also encourage users to protect their accounts by using strong, unique passwords and enabling two-factor authentication when available.

Data Retention and Deletion

We keep your personal information only as long as necessary to provide our services and meet legal obligations:

• Active Accounts: Personal and budget data is retained while your account remains active and for up to two years after account closure.
• Financial Records: Transaction and billing information may be retained for up to seven years to comply with Vietnamese financial regulations.
• Communication Records: Support conversations and communications are kept for three years to help resolve future issues.
• Marketing Data: If you've opted into marketing communications, we retain contact preferences until you unsubscribe.
• Legal Hold: In cases of legal disputes or regulatory investigations, relevant data may be retained longer as required by law.

When data reaches the end of its retention period, we securely delete it from our systems. You can request early deletion of your account data at any time, though some information may need to be retained for legal compliance purposes.

International Data Transfers

As a global platform serving users worldwide, some of your data may be processed in countries outside Vietnam. When we transfer data internationally, we ensure appropriate protections are in place:

• We only work with service providers who meet international data protection standards
• Data processing agreements include specific privacy and security requirements
• We implement additional safeguards for transfers to countries without adequate privacy laws
• All international data transfers are documented and regularly reviewed for compliance

Our primary data processing occurs within Vietnam and other countries with strong privacy protections. We maintain transparency about where your data is processed and the safeguards we use to protect it during international transfers.

Changes to This Privacy Policy

We review and update this privacy policy annually or when significant changes occur to our data practices. When we make changes, we'll notify you through:

• Email notification to your registered address for material changes
• Prominent notices on our platform highlighting policy updates
• Updated "last modified" date at the top of this policy

We encourage you to review this policy periodically to stay informed about how we protect your privacy. Continued use of our services after policy changes indicates your acceptance of the updated terms.