Information We Collect

When you interact with ReflectiveInt's budgeting education platform, we collect information that helps us provide better service and protect your privacy. Here's what we gather and why:

How We Use Your Information

Your data serves specific purposes that directly benefit your learning experience and help us maintain a secure, effective educational platform. We're pretty straightforward about what we do with your information.

• Educational Service Delivery: Providing access to budgeting courses, tracking your progress, and personalizing learning recommendations based on your entrepreneurial background.
• Communication and Support: Sending course updates, responding to your questions, and providing technical assistance when you need help navigating the platform.
• Platform Improvement: Analyzing usage patterns to enhance our curriculum, fix technical issues, and develop new educational content that better serves Vietnamese entrepreneurs.
• Legal and Security Compliance: Protecting against fraud, maintaining platform security, and meeting Vietnamese regulatory requirements for educational service providers.
• Marketing Communications: Sending occasional updates about new courses or features, but only if you've opted in to receive these communications.

We don't sell your personal information to third parties or use it for purposes unrelated to our educational services. Everything we do with your data connects back to helping you learn budgeting skills more effectively.

Information Sharing and Disclosure

We keep your information within our organization whenever possible, but there are specific situations where we might need to share limited data with trusted partners or authorities.

Data Security Measures

Protecting your information isn't just a legal requirement — it's fundamental to maintaining the trust you place in us when you share personal details for educational purposes.

While we implement strong security measures, no system is completely immune to risks. We encourage you to use strong passwords and contact us immediately if you notice any suspicious account activity.

Your Privacy Rights

You maintain significant control over your personal information throughout your relationship with ReflectiveInt. These rights are designed to give you meaningful choices about your data.

Data Retention and Deletion

We don't keep your information indefinitely. Our retention practices balance your privacy rights with legal requirements and legitimate business needs for educational service providers.

• Active Account Data: Maintained while your account remains active and for 2 years after your last login to preserve course progress and certificates you've earned.
• Communication Records: Support tickets and correspondence kept for 3 years to ensure service quality and resolve any follow-up issues.
• Financial Records: Payment information and invoices retained for 7 years as required by Vietnamese accounting regulations, though credit card details are deleted immediately after processing.
• Marketing Data: Email preferences and marketing communication history deleted within 1 year of opting out or account closure.
• Legal Hold Data: Information subject to legal proceedings or regulatory investigations retained until resolution, as required by Vietnamese law.

When retention periods expire, we securely delete your information using methods that prevent recovery. You can request early deletion in most cases, subject to legal and regulatory requirements.

Cookies and Tracking Technologies

Like most educational platforms, we use cookies and similar technologies to enhance your learning experience and understand how you interact with our content.

You can control cookie settings through your browser, though disabling essential cookies may affect platform functionality. We don't use cookies for advertising purposes or share cookie data with third-party advertisers.

Vietnam Data Protection Compliance

As an educational service provider operating in Vietnam, we comply with local data protection regulations while maintaining international privacy standards.

• Cybersecurity Law Compliance: We meet requirements under Vietnam's Law on Cybersecurity for data localization, security measures, and incident reporting to Vietnamese authorities.
• Educational Sector Regulations: Our data practices align with Ministry of Education guidelines for online educational platforms and student data protection.
• Cross-Border Transfers: When we transfer data outside Vietnam for technical services, we ensure adequate protection through contractual safeguards and security certifications.
• Local Data Storage: Primary user data is stored within Vietnam or in jurisdictions with equivalent privacy protections, as required by local regulations.
• Government Cooperation: We maintain procedures for responding to lawful requests from Vietnamese authorities while protecting user rights to the fullest extent possible.

If you have concerns about how Vietnamese data protection laws apply to your information, please contact our privacy team for specific guidance about your situation.

Policy Updates and Changes

Privacy regulations and our educational services evolve over time, which sometimes requires updates to this policy. We're committed to keeping you informed about any changes that might affect your privacy rights.

• Material Changes: Modifications to data collection practices, sharing policies, or your privacy rights trigger direct notification and may require your consent for continued service.
• Technical Updates: Changes to security measures, retention periods, or procedural details are updated immediately with notification on your next login.
• Legal Requirement Changes: Updates mandated by new Vietnamese regulations or court decisions take effect immediately, with explanation provided to affected users.
• Service Expansion: New educational features or partnerships that involve data sharing will be communicated clearly with opt-in consent when possible.

You always have the option to discontinue using our services if you disagree with policy changes, and we'll honor any data deletion requests within legal requirements.