Privacy Policy

1 Information We Collect

We collect information that helps us provide better budgeting education and support. This includes details you share directly when registering for our programs, as well as information gathered through your interaction with our website.

• Personal identification details including name, email address, and contact information
• Financial goals and budgeting preferences you share during consultations
• Website usage data including pages visited and time spent on educational content
• Device information and IP addresses for security and analytics purposes
• Communication records from emails, phone calls, and support interactions
• Payment information for course enrollment and educational materials

2 How We Use Your Information

Your information helps us create personalized budgeting education experiences. We use this data to understand your financial learning needs and provide relevant content that supports your journey toward better money management.

• Delivering customized budgeting courses and educational materials
• Sending program updates, financial tips, and educational newsletters
• Providing technical support and responding to your inquiries
• Improving our educational content based on user feedback and behavior
• Processing payments and maintaining accurate enrollment records
• Ensuring website security and preventing unauthorized access

3 Data Sharing and Third Parties

We don't sell your personal information to third parties. However, we work with trusted service providers who help us deliver our educational services effectively.

• Payment processors for secure transaction handling
• Email service providers for course communications
• Analytics tools to understand website performance
• Cloud storage providers for secure data backup
• Customer support platforms for better service delivery

All third-party partners sign agreements requiring them to protect your information according to the same standards we maintain. They can only use your data for the specific services they provide to us.

4 Data Security Measures

Protecting your financial and personal information is our priority. We implement multiple layers of security to keep your data safe from unauthorized access, theft, or misuse.

• SSL encryption for all data transmission between your device and our servers
• Regular security audits and vulnerability assessments
• Access controls ensuring only authorized staff can view your information
• Secure data centers with physical and digital protection measures
• Regular data backups stored in encrypted, geographically separated locations
• Employee training on data protection and privacy best practices

5 Your Privacy Rights

To exercise any of these rights, contact us using the information below. We'll respond within 30 days and may need to verify your identity before processing certain requests.

6 Data Retention and Deletion

We keep your information only as long as necessary to provide our services and meet legal obligations. Different types of data have different retention periods based on their purpose and regulatory requirements.

• Course enrollment and payment records: 7 years for tax and audit purposes
• Educational progress and completion certificates: 10 years for verification
• Marketing communications data: Until you unsubscribe or request deletion
• Website analytics data: 26 months for performance analysis
• Customer support communications: 3 years for quality improvement
• Account information for active users: Duration of account plus 1 year

When retention periods expire, we securely delete your information using industry-standard data destruction methods. Some information may be retained longer if required by Vietnamese law or for legitimate business purposes.

7 Cookies and Website Technology

Our website uses cookies and similar technologies to enhance your learning experience and improve our services. These small files help us remember your preferences and provide personalized content.

• Essential cookies for website functionality and security
• Analytics cookies to understand how visitors use our educational content
• Preference cookies to remember your settings and login information
• Marketing cookies to show relevant budgeting tips and course recommendations

You can control cookies through your browser settings. However, disabling certain cookies may limit your ability to use some website features or access course materials.

8 International Data Transfers

While Flash Joiner operates primarily in Vietnam, some of our service providers may process your data in other countries. We ensure all international transfers meet strict privacy and security standards.

9 Changes to This Policy

We update this privacy policy periodically to reflect changes in our practices, technology, or legal requirements. When we make significant changes, we'll notify you through email or prominent website notices.

Minor updates, such as clarifications or formatting improvements, may be made without individual notification. We encourage you to review this policy regularly to stay informed about how we protect your privacy.

Your continued use of our services after policy updates indicates your acceptance of the revised terms.