Introduction

At ThinkSparkSys, we understand that managing your financial privacy is as important as managing your budget surplus. This privacy policy explains how we collect, use, and protect your personal information when you use our budget surplus management services.

We're committed to transparency about our data practices. This policy applies to all services provided through thinksparksys.com and covers our operations in Vietnam under applicable Vietnamese data protection laws.

Information We Collect

Personal Information You Provide

When you create an account or use our services, we collect information you voluntarily provide:

• Full name and contact information (email address, phone number)
• Financial account information for budget tracking purposes
• Income and expense data you input for surplus calculations
• Communication preferences and customer service interactions
• Payment information for subscription services

Information We Collect Automatically

Our systems automatically collect certain technical information to improve your experience:

• Device information and browser type
• IP address and general location data
• Usage patterns and feature interactions
• Session duration and frequency of visits

How We Use Your Information

Your personal information helps us provide personalized budget surplus management services. We use your data for several specific purposes that directly benefit your financial planning experience.

Data Sharing and Third Parties

We don't sell your personal information to third parties. However, we may share your data in specific circumstances that support our service delivery or legal obligations.

Service Providers and Partners

We work with trusted third-party providers who help us deliver our budget management services. These partners access your data only as necessary for specific functions:

• Cloud hosting providers for secure data storage
• Payment processors for subscription management
• Analytics services for service improvement
• Customer support platforms for efficient assistance

Legal Requirements

We may disclose your information when required by Vietnamese law or to protect our legal rights, prevent fraud, or ensure user safety.

Your Privacy Rights

You have several rights regarding your personal information. We've designed our systems to make it easy for you to exercise these rights.

Access and Portability

You can access your personal data through your account dashboard. If you need a comprehensive copy of your information, contact us using the details below. We'll provide your data in a commonly used format within 30 days.

Correction and Updates

You can update most of your personal information directly through your account settings. For data you can't modify yourself, send us specific correction requests.

Deletion and Account Closure

You can delete your account at any time through your profile settings. We'll remove your personal data within 90 days, though we may retain some information for legal compliance purposes.

Data Security and Protection

Protecting your financial information is our top priority. We implement multiple layers of security to safeguard your data against unauthorized access, alteration, or disclosure.

Technical Safeguards

• End-to-end encryption for all data transmissions
• Regular security audits and vulnerability assessments
• Multi-factor authentication for account access
• Automated monitoring for suspicious activities
• Secure data centers with physical access controls

Access Controls

Only authorized personnel with specific job functions can access your data. All access is logged and monitored. Our team receives regular security training to maintain the highest standards.

Data Retention and Deletion

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

International Data Transfers

Your data is primarily stored and processed in Vietnam. However, some of our service providers may operate from other countries. When we transfer data internationally, we ensure appropriate safeguards are in place.

We only work with providers who maintain adequate data protection standards equivalent to Vietnamese requirements. All international transfers are governed by data processing agreements that protect your privacy rights.

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our website. These tools help us remember your preferences and understand how you interact with our services.

Types of Cookies We Use

• Essential cookies: Required for basic website functionality
• Performance cookies: Help us understand how users navigate our site
• Functional cookies: Remember your preferences and settings
• Analytics cookies: Provide insights for service improvements

You can control cookie settings through your browser preferences. However, disabling certain cookies may limit some website features.

Changes to This Policy

We may update this privacy policy periodically to reflect changes in our services or legal requirements. When we make significant changes, we'll notify you through your account email or by posting a notice on our website.

We encourage you to review this policy regularly to stay informed about how we protect your information. The "Last Updated" date at the top of this page shows when the most recent changes were made.