Information We Collect

Running a budget planning platform means we need certain information to help you manage your finances effectively. Here's what we collect and why it matters.

Account Information

When you sign up, we ask for basic details like your name, email address, and phone number. This lets us create your account, communicate with you about your budget plans, and verify your identity if you need support.

Financial Data

You provide information about your income, expenses, savings goals, and financial accounts. This is the core of what makes our service useful. We need this to generate personalized budget recommendations and track your progress over time.

Usage Information

We track how you interact with our platform - which features you use, when you log in, what types of reports you generate. This helps us improve the service and spot any unusual activity that might indicate a security issue.

Device and Technical Data

Your IP address, browser type, operating system, and device information get logged automatically. We use this for security purposes and to make sure our platform works properly across different devices.

How We Use Your Information

Everything we collect serves a specific purpose. We don't gather data just for the sake of it.

• Creating and managing your account, including authentication and account recovery
• Providing budget analysis, expense tracking, and personalized financial recommendations
• Sending you notifications about your budget status, spending alerts, and account updates
• Improving our platform features based on how people actually use the service
• Protecting against fraud, unauthorized access, and other security threats
• Complying with Vietnamese financial regulations and legal requirements
• Responding to your support requests and resolving technical issues

We analyze aggregated, anonymized data to understand usage patterns and improve our algorithms. But your specific financial details stay private and aren't shared with third parties for marketing purposes.

Data Sharing and Third Parties

We don't sell your data. Period. But we do work with certain service providers to operate our platform effectively.

All third parties we work with sign strict confidentiality agreements and are only allowed to use your data for the specific services they provide to us. They can't use it for their own purposes.

Legal Requirements

Sometimes we're legally required to share information. This includes responding to valid court orders, complying with Vietnamese tax regulations, or cooperating with law enforcement investigations when legally obligated. We'll notify you if this happens unless prohibited by law.

Your Rights Under Vietnamese Law

Vietnam's data protection regulations give you specific rights regarding your personal information. Here's what you can do.

To exercise any of these rights, contact us at info@radiant-flaren.com. We'll respond within 30 days and walk you through the process. Some requests might require identity verification to protect your account security.

Data Retention and Deletion

We don't keep your data forever. Here's our approach to retention.

Active Accounts

While your account is active, we retain your financial data and transaction history so you can access historical reports and track long-term trends. This is part of what makes the service valuable.

Inactive Accounts

If you haven't logged in for 24 months, we'll send you several notifications asking if you want to keep your account. After 30 months of inactivity, we automatically delete your personal data unless you're required to keep it for legal reasons.

Account Closure

When you close your account, we delete your personal information within 90 days. Some anonymized data might be retained for analytics purposes, but it can't be linked back to you. Financial records required by Vietnamese tax law are kept for the legally mandated period.

Security Measures

Protecting your financial data is our top priority. Here's what we do to keep it safe.

• All data transmitted between your device and our servers uses TLS 1.3 encryption
• Passwords are hashed using bcrypt with individual salts - we can't see your actual password
• Two-factor authentication is available and strongly recommended for all accounts
• Our servers are housed in certified data centers with physical security controls
• Regular security audits and penetration testing help us identify vulnerabilities
• Employee access to user data is strictly limited and logged for audit purposes
• Automated systems monitor for suspicious activity and potential security breaches
• Regular backups ensure your data can be recovered if something goes wrong

Despite our best efforts, no system is completely secure. If we detect a data breach that affects your information, we'll notify you within 72 hours and explain what happened, what data was involved, and what steps we're taking.

Cookies and Tracking Technologies

Like most websites, we use cookies and similar technologies. Here's what they do.

Essential Cookies

These keep you logged in and remember your preferences. Without them, the site wouldn't work properly. You can't opt out of these if you want to use our service.

Analytics Cookies

We use these to understand how people use our platform - which features are popular, where people get stuck, how long sessions last. This helps us improve the user experience.

Managing Cookies

You can control cookies through your browser settings. Keep in mind that blocking certain cookies might affect how the platform works. Your cookie preferences are stored locally and respected across your sessions.

International Data Transfers

Our servers are primarily located in Vietnam, but some of our service providers operate in other countries. When your data is transferred internationally, we ensure it's protected through:

• Standard contractual clauses approved by Vietnamese data protection authorities
• Ensuring recipient countries have adequate data protection laws
• Requiring third parties to implement equivalent security measures
• Limiting international transfers to only what's necessary for service operation

You can request specific information about where your data is stored and processed by contacting our privacy team.

Children's Privacy

Our service isn't designed for anyone under 18. We don't knowingly collect information from minors. If you're a parent and believe your child has created an account, contact us immediately and we'll delete their information.

Vietnamese law requires parental consent for processing children's data. If we discover we've inadvertently collected data from someone under 18, we'll delete it within 48 hours.

Changes to This Policy

We update this policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you via email and display a prominent notice on the platform.

The "Last Updated" date at the top shows when the current version took effect. We encourage you to review this policy periodically, especially before providing us with new types of information.

If you disagree with changes to this policy, you can close your account. Continuing to use our service after changes take effect means you accept the updated terms.

Automated Decision-Making

Our platform uses algorithms to analyze your spending patterns and suggest budget adjustments. These automated recommendations are designed to help you, but they're not mandatory.

You always have the final say in your financial decisions. If you feel an automated recommendation doesn't make sense for your situation, ignore it. You can also request human review of any automated decision that significantly affects your account.