ChatMarkon

Introduction

At ChatMarkon, we take your privacy seriously. This policy explains how we collect, use, and protect your personal information when you use our digital budgeting platform and related services. We're committed to transparency about our data practices and your rights under Vietnamese privacy laws.

By using our services, you agree to the collection and use of information in accordance with this policy. We've designed our practices to comply with Vietnam's cybersecurity and data protection regulations while providing you with the best possible budgeting experience.

Information We Collect

We collect several types of information to provide and improve our services. Here's what we gather and why:

Account Information

Full name and email address
Phone number (optional)
Profile preferences
Account settings

Financial Data

Budget categories and amounts
Expense tracking information
Financial goals and targets
Transaction categories (no bank details)

Usage Information

App usage patterns
Feature preferences
Device information
Log files and analytics

We never collect actual bank account numbers, credit card details, or other sensitive financial credentials. Our platform focuses on budget planning and expense categorization rather than direct financial transactions.

How We Use Your Information

Your information helps us provide personalized budgeting tools and improve our services. We use collected data for these specific purposes:

Providing core budgeting and expense tracking functionality
Personalizing your financial planning experience
Sending important account updates and security notifications
Improving our platform based on usage patterns
Providing customer support when you need help
Ensuring platform security and preventing fraud
Complying with legal requirements under Vietnamese law

Data Sharing and Third Parties

We don't sell your personal information to third parties. However, we may share certain information in these limited circumstances:

Service Providers

We work with trusted companies that help us operate our platform. These include cloud hosting providers, analytics services, and customer support tools. All service providers are bound by strict confidentiality agreements and can only use your data to help us provide services to you.

Legal Requirements

We may disclose information when required by Vietnamese law, court orders, or government regulations. We'll notify you of such requests unless prohibited by law.

Business Transfers

If ChatMarkon is involved in a merger, acquisition, or sale of assets, your information may be transferred. We'll provide notice before your information becomes subject to a different privacy policy.

Your Rights and Choices

Under Vietnamese law, you have several important rights regarding your personal data:

Access: Request copies of your personal information
Correction: Update or correct inaccurate information
Deletion: Request deletion of your data (with some exceptions)
Portability: Receive your data in a structured format
Objection: Object to certain types of data processing
Restriction: Request limits on how we process your data

How to Exercise Your Rights

To exercise any of these rights, contact our privacy team at support@chatmarkon.com. We'll respond within 30 days and may need to verify your identity before processing requests. Some requests may take longer for complex cases, but we'll keep you informed throughout the process.

You can also manage many preferences directly in your account settings, including communication preferences, data sharing options, and account deletion.

Data Security

We implement comprehensive security measures to protect your information from unauthorized access, alteration, disclosure, or destruction.

Encryption

All data transmissions use TLS encryption, and sensitive data is encrypted at rest using industry-standard methods.

Access Controls

Strict employee access controls ensure only authorized personnel can access user data, and only when necessary.

Monitoring

Continuous monitoring systems detect suspicious activities and potential security threats in real-time.

Regular Audits

Regular security assessments and penetration testing help us identify and address potential vulnerabilities.

While we use industry-standard security practices, no system is completely secure. We encourage you to use strong passwords and keep your login credentials confidential.

Data Retention

We retain your information only as long as necessary to provide services and comply with legal obligations.

Retention Periods

Account Data: Retained while your account is active, plus 3 years after closure
Financial Planning Data: Retained for 5 years to support historical analysis
Usage Analytics: Aggregated data retained indefinitely, personal identifiers removed after 2 years
Support Communications: Retained for 3 years for quality assurance

When we delete your data, we ensure it's removed from our active systems and backups within a reasonable timeframe. Some information may persist in anonymized form for analytics purposes.

International Transfers

Your information may be processed in countries outside Vietnam, including locations where our service providers operate. When we transfer data internationally, we ensure appropriate safeguards are in place through:

Adequacy decisions recognizing equivalent privacy protections
Standard contractual clauses approved by Vietnamese authorities
Certification programs ensuring appropriate data protection standards
Specific authorization from relevant Vietnamese regulatory bodies

Cookies and Tracking

We use cookies and similar technologies to improve your experience and understand how our platform is used. You can control cookie preferences through your browser settings, though some features may not work properly if you disable certain cookies.

Types of Cookies We Use

Essential Cookies: Required for basic platform functionality
Analytics Cookies: Help us understand usage patterns and improve our services
Preference Cookies: Remember your settings and personalization choices

Children's Privacy

ChatMarkon is not intended for children under 16. We don't knowingly collect personal information from children under 16. If you believe we've inadvertently collected such information, please contact us immediately so we can delete it.

Parents and guardians can contact us if they believe their child has provided personal information without permission.

Changes to This Policy

We may update this privacy policy periodically to reflect changes in our practices, technology, or legal requirements. Significant changes will be communicated through:

Email notification to registered users
Prominent notice on our platform
Updated "last modified" date at the top of this policy

Continued use of our services after policy changes constitutes acceptance of the updated terms.

Privacy Policy