Privacy Policy

1. Information We Collect

When you register for our courses or reach out to us, we collect certain information that helps us serve you better. We're not interested in gathering data just for the sake of it—we collect what we actually need.

Personal Information You Provide

• Contact Details: Your name, email address, phone number, and mailing address when you sign up or inquire about our programs
• Account Information: Username, password (encrypted), and profile preferences for accessing course materials
• Educational Background: Information about your experience level with financial modeling to help us tailor content appropriately
• Payment Information: Billing details processed securely through third-party payment providers—we don't store full credit card numbers on our servers
• Communication Records: Emails, messages, and feedback you send us, which help us improve our services

Automatically Collected Information

Like most websites, we automatically gather some technical data when you visit smartlogicflow.com. This includes your IP address, browser type, device information, and how you navigate through our site. We use this to understand usage patterns and fix technical issues—not to track your every move.

2. How We Use Your Information

We use your data for specific, practical purposes. Here's what we actually do with the information you provide:

• Deliver course materials and track your learning progress through our platform
• Process enrollments and handle payment transactions securely
• Send course updates, schedule changes, and important announcements—not spam
• Respond to your questions and provide support when you need help
• Improve our curriculum based on aggregated student performance data
• Comply with Vietnamese legal requirements and tax obligations
• Prevent fraud and maintain platform security for all users

3. Data Sharing and Third Parties

We don't sell your personal information to anyone. Period. However, we do share limited data with trusted service providers who help us run our platform effectively.

When We Share Information

• Payment Processors: Secure payment gateways that handle transactions—they receive only necessary billing information
• Cloud Service Providers: Hosting services that store course materials and maintain platform infrastructure
• Email Service Providers: Tools we use to send course notifications and respond to your inquiries
• Analytics Providers: Services that help us understand how students use our platform (data is anonymized where possible)
• Legal Requirements: Vietnamese authorities when required by law or to protect rights and safety

All third-party providers are carefully selected and contractually bound to protect your information. They can only use your data for the specific services they provide to us—nothing else.

4. Your Rights Under Vietnamese Law

Vietnam's personal data protection regulations give you specific rights regarding your information. We take these seriously and make it straightforward for you to exercise them.

How to Exercise Your Rights

We've made this process simple. Here's what you need to do:

1. Send an email to info@smartlogicflow.com with "Privacy Request" in the subject line, clearly stating which right you want to exercise
2. Provide your registered email address and enough information for us to verify your identity—this protects your data from unauthorized access
3. We'll acknowledge your request within 3 business days and let you know what we need from you, if anything
4. Most requests are completed within 15 business days, though complex requests might take up to 30 days
5. If we can't fulfill your request for legal reasons, we'll explain why in detail

5. Data Security Measures

Protecting your information isn't just about compliance—it's about trust. We've implemented multiple security layers to safeguard your data against unauthorized access, alteration, or disclosure.

• Encryption: All data transmitted between your device and our servers uses industry-standard SSL/TLS encryption
• Access Controls: Only authorized staff members can access personal data, and only when necessary for their job functions
• Password Protection: Your password is hashed and salted using bcrypt—even we can't see your actual password
• Regular Audits: We conduct security assessments quarterly and update our practices based on findings
• Secure Infrastructure: Our hosting providers maintain ISO 27001 certification and comply with international security standards
• Backup Systems: Regular encrypted backups stored in separate locations to prevent data loss

That said, no system is completely foolproof. While we work hard to protect your data, we can't guarantee absolute security. If we detect any breach that affects your information, we'll notify you within 72 hours as required by Vietnamese law.

6. Data Retention and Deletion

We don't keep your information longer than necessary. Our retention periods are based on legitimate business needs and legal requirements in Vietnam.

Standard Retention Periods

Active Accounts: We maintain your account data and learning progress as long as your account remains active. If you don't log in for 3 years, we'll contact you to confirm whether you want to keep your account.

Closed Accounts: After account closure, most personal data is deleted within 90 days. However, we retain certain information for legal compliance—transaction records for 7 years per Vietnamese tax law, and certification records for 5 years to verify credentials if needed.

Marketing Data: If you unsubscribe from our emails, your contact information is removed from marketing lists immediately but may remain in suppression lists to ensure we don't accidentally contact you again.

Analytics Data: Anonymized usage statistics are retained for 24 months to help us improve our platform, then automatically deleted.

7. Cookies and Tracking Technologies

We use cookies—small text files stored on your device—to make our website work properly and improve your experience. You have control over which cookies you accept.

Types of Cookies We Use

• Essential Cookies: Required for basic site functionality like logging in and accessing your courses—these can't be disabled without breaking the site
• Performance Cookies: Help us understand how students use our platform so we can fix issues and improve navigation
• Functional Cookies: Remember your preferences like language settings and recently viewed lessons
• Analytics Cookies: Provide aggregated data about site traffic and user behavior—we use this to make informed improvements

Most browsers let you control cookies through settings. You can block all cookies if you want, but this will affect how our platform works. Our course materials require at least essential cookies to function properly.

8. International Data Transfers

While smartlogicflow operates primarily in Vietnam, some of our service providers are located in other countries. This means your data might be processed outside Vietnam.

When we transfer data internationally, we ensure adequate protection through:

• Standard contractual clauses approved by Vietnamese authorities
• Selecting providers in countries with adequate data protection laws
• Implementing additional security measures for cross-border transfers
• Regular audits of international service providers' data handling practices

Your data rights remain the same regardless of where it's processed. If you have concerns about international transfers, contact us and we'll provide specific details about how your information is protected.

9. Children's Privacy

Our financial modeling courses are designed for adults and professionals. We don't knowingly collect personal information from anyone under 18 years old without parental consent.

If you're under 18 and interested in our courses, please have a parent or guardian contact us first. If we discover we've inadvertently collected data from a minor without proper consent, we'll delete it promptly.

10. Changes to This Policy

We review and update this privacy policy periodically to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you through email or a prominent notice on our website at least 30 days before the changes take effect.

Minor updates—like clarifications or contact information changes—don't require advance notice. The "Last Updated" date at the top of this page shows when we last revised the policy.

By continuing to use our services after changes take effect, you accept the updated policy. If you disagree with changes, you can close your account by contacting us.