Information We Collect

At SpotFlash Desktop, we collect information that helps us provide better financial planning services. When you reach out to us or use our services, we gather details like your name, email address, phone number, and basic financial goals. We also collect information about how you interact with our website through cookies and analytics tools.

Sometimes clients share more detailed financial information during consultations. This might include income levels, current savings, investment preferences, or specific financial challenges you're facing. We only collect what's necessary to understand your situation and provide relevant guidance.

• Contact details when you fill out forms or send inquiries
• Financial goals and preferences shared during consultations
• Website usage data through cookies and analytics
• Communication records from emails and phone calls
• Payment information for services rendered

How We Use Your Information

Your information helps us tailor our financial planning services to your specific needs. We use contact details to follow up on inquiries, schedule consultations, and send relevant updates about financial strategies that might interest you. Financial information you share helps us understand your current situation and suggest appropriate planning approaches.

We also use aggregated data to improve our services and understand what types of financial challenges our clients face most often. This helps us develop better resources and educational content. However, we never share individual client details in these analyses.

Data Storage and Security

We store your information on secure servers located in Vietnam, following local data protection requirements. Client files are encrypted and protected with multiple layers of security. Access is limited to team members who need the information to serve your account.

Financial documents and sensitive information are stored separately from general contact details, with additional security measures in place. We regularly update our security protocols and conduct reviews to make sure your information stays protected.

• Encrypted storage for all sensitive financial information
• Regular security audits and system updates
• Limited access controls for team members
• Secure backup systems to prevent data loss

Your Rights and Choices

You have several rights regarding your personal information. You can request to see what data we have about you, ask us to correct any mistakes, or request that we delete your information if you no longer want our services. You can also opt out of marketing communications while still receiving important service updates.

If you want to exercise any of these rights, just contact us using the information below. We'll respond within 30 days and help you understand what options are available. For data deletion requests, we may need to keep some records for legal or tax purposes, but we'll explain what needs to stay and why.

Cookies and Website Analytics

Our website uses cookies to improve your browsing experience and help us understand how visitors use our site. These small files store preferences and track which pages are most helpful. We use this information to make our website more useful and relevant.

You can control cookies through your browser settings. Disabling cookies won't prevent you from accessing most of our content, but some interactive features might not work as smoothly. We use Google Analytics to understand traffic patterns, but this data is anonymized and doesn't identify individual visitors.

Information Sharing

We don't share your personal information with outside companies for their marketing purposes. Sometimes we work with trusted service providers who help us deliver our services – like email platforms or document storage systems. These providers only get access to information they need for their specific tasks and must protect your data according to our standards.

In rare cases, we might need to share information to comply with legal requirements or protect our rights. If this happens, we'll only share what's legally required and will notify you when possible.

Data Retention

We keep your information as long as needed to provide services and meet legal requirements. Active client files are maintained throughout our working relationship. After services end, we typically keep records for seven years to comply with financial industry regulations.

Marketing contact information is kept until you ask us to remove it or if there's been no interaction for three years. Website analytics data is automatically deleted after 26 months. If you have questions about how long specific information is kept, we're happy to explain our retention schedule.

Updates to This Policy

We review this privacy policy annually and update it when our practices change or new regulations require adjustments. When we make significant changes, we'll notify current clients by email and post the updated policy on our website with a new effective date.

Minor updates that don't affect how we handle your information might be made without individual notification, but we'll always indicate when the policy was last revised. We encourage you to review this policy occasionally to stay informed about how we protect your information.