We collect information you provide directly to us when using our financial education platform and budget review services. This includes personal details necessary for account creation and service delivery.

Technical Data: We automatically collect certain information when you visit our website, including IP addresses, browser type, device information, and usage patterns. This helps us improve our platform and provide better educational content.

Your personal information helps us deliver personalized financial education and budget review services tailored to your specific needs and goals.

Primary Uses: We analyze your budget data to provide meaningful insights and recommendations. Your learning progress helps us customize educational content to match your financial knowledge level and interests.

• Provide comprehensive budget analysis and financial recommendations
• Create personalized learning paths based on your financial goals
• Send important updates about your account and our services
• Improve our educational content based on user engagement
• Respond to your questions and provide customer support
• Comply with legal obligations and prevent fraud

We may also use aggregated, anonymized data to enhance our services and create better educational resources. This data cannot be traced back to individual users.

We do not sell, trade, or rent your personal information to third parties. Your financial data and personal details remain confidential and are only shared in specific, limited circumstances.

Service Providers: We work with carefully selected third-party companies that help us operate our platform. These partners include payment processors, cloud storage providers, and educational content partners. All service providers must agree to protect your information with the same level of security we maintain.

If Lightpulsehub undergoes a business transition such as a merger or acquisition, your personal information may be transferred as part of that transaction. You would be notified of any such change in ownership or control of your personal information.

You have important rights regarding your personal information. We respect these rights and provide clear procedures for exercising them.

How to Exercise Your Rights: Contact us at help@lightpulsehub.com with your specific request. We'll respond within 30 days and may need to verify your identity before processing certain requests. Some information may be retained for legal compliance or business purposes.

You can also manage many privacy settings directly through your account dashboard, including communication preferences and data sharing options.

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

Technical Safeguards: Your data is encrypted both in transit and at rest using industry-standard encryption protocols. Our servers are protected by firewalls and intrusion detection systems, with regular security audits conducted by independent experts.

• SSL/TLS encryption for all data transmission
• Advanced encryption for stored financial information
• Multi-factor authentication for account access
• Regular security updates and vulnerability assessments
• Limited employee access on a need-to-know basis
• Secure backup systems with encrypted storage

Physical Security: Our data centers are located in secure facilities with 24/7 monitoring, biometric access controls, and redundant power systems. All facilities comply with international security standards.

While we implement robust security measures, no system is completely secure. We encourage you to use strong passwords and keep your login credentials confidential.

We retain your personal information only as long as necessary to provide our services and comply with legal requirements. Different types of data have different retention periods based on their purpose and legal obligations.

Automatic Deletion: Our systems automatically delete expired data according to our retention schedule. You'll receive notifications before any significant data deletion occurs, giving you the opportunity to download your information if needed.

Some information may be retained in aggregated, anonymized form for statistical and research purposes. This data cannot be used to identify individual users and helps us improve our services for all users.

We use cookies and similar technologies to enhance your experience on our website and provide personalized financial education content.

Essential Cookies: These are necessary for our website to function properly and cannot be disabled. They enable core features like secure login, account management, and payment processing.

Analytics Cookies: We use these to understand how visitors interact with our website, which pages are most helpful, and how we can improve the user experience. This data is collected anonymously and helps us create better educational content.

Preference Cookies: These remember your choices and settings to provide a more personalized experience, such as your preferred language or learning modules.

You can control cookie settings through your browser preferences. However, disabling certain cookies may limit your ability to use some features of our platform.

While Lightpulsehub operates primarily in Vietnam, some of our service providers and partners may be located in other countries. When we transfer your personal information internationally, we ensure appropriate safeguards are in place.

Transfer Safeguards: All international data transfers are protected by contractual agreements that require the same level of data protection as provided under Vietnamese privacy laws. We only work with partners who demonstrate strong privacy and security practices.

We may transfer data to countries with adequate privacy protection levels or use standard contractual clauses approved by relevant data protection authorities. You have the right to request information about any international transfers of your personal data.

We may update this privacy policy periodically to reflect changes in our services, legal requirements, or business practices. Any significant changes will be communicated clearly to our users.

Notification Process: When we make material changes to this policy, we'll notify you by email and display a prominent notice on our website at least 30 days before the changes take effect. This gives you time to review the updates and make decisions about your account if needed.

Minor updates, such as clarifications or formatting changes, may be made without advance notice. We encourage you to review this policy regularly to stay informed about how we protect your information.

Your continued use of our services after policy changes indicates your acceptance of the updated terms. If you don't agree with the changes, you can close your account and request deletion of your data.