Introduction and Scope

At Cleverlinkzone, we believe transparency builds trust. This privacy policy explains how we collect, use, and protect your personal information when you visit our website or use our short-term budgeting services. We operate in Vietnam and follow local privacy regulations while maintaining international best practices for data protection.

This policy applies to all users of cleverlinkzone.com, including visitors who browse our educational content, individuals who contact us for information, and clients who engage our budgeting services. By using our website, you acknowledge that you've read and understood these privacy practices.

Information We Collect

We collect information in several ways to provide you with better budgeting guidance and educational resources. Here's what we gather and why:

• Contact Information: Name, email address, phone number when you reach out to us or sign up for our newsletter
• Financial Overview Data: Basic income ranges and expense categories you share during consultations
• Website Usage: Pages visited, time spent on site, and general browsing patterns through analytics
• Communication Records: Email exchanges and consultation notes to track our conversations
• Technical Information: IP address, browser type, and device information for security purposes
• Preference Settings: Language choices, notification preferences, and customization options

We don't collect sensitive financial data like bank account numbers, credit card information, or detailed transaction histories. Our budgeting approach focuses on general categories and spending patterns rather than specific financial accounts.

How We Use Your Information

Your information helps us provide personalized budgeting guidance and improve our educational content. We use collected data to:

Service Delivery: We analyze the financial overview you provide to create customized short-term budgeting strategies. This might include expense categorization recommendations, savings goal planning, and spending pattern insights tailored to your situation.

Communication: Your contact information allows us to respond to inquiries, send requested resources, and provide follow-up guidance after consultations. We may also send educational content that relates to topics you've expressed interest in.

Website Improvement: Usage analytics help us understand which educational resources are most helpful and where visitors might need additional support. This data guides our content development and website enhancements.

Your Privacy Rights

Under Vietnamese privacy laws and our commitment to data protection, you have several important rights regarding your personal information:

To exercise any of these rights, contact us using the information provided at the bottom of this policy. We'll respond to your request within 30 days and may need to verify your identity before processing certain requests.

Data Security and Protection

Protecting your information is a priority, especially given the financial nature of our services. We've implemented multiple security measures to safeguard your data:

Technical Safeguards: Our website uses SSL encryption for all data transmission. Personal information is stored on secure servers with restricted access, regular security updates, and monitoring for unauthorized access attempts.

Access Controls: Only authorized team members who need access for service delivery can view your personal information. All staff receive privacy training and sign confidentiality agreements.

Data Minimization: We collect only the information necessary for our budgeting services and delete data when it's no longer needed for legitimate business purposes.

Data Sharing and Third Parties

We don't sell, rent, or trade your personal information to other companies. However, we may share limited data in specific circumstances:

Service Providers: We work with trusted vendors for website hosting, email communications, and analytics. These providers can only access information necessary for their services and are contractually bound to protect your data.

Legal Requirements: We may disclose information if required by Vietnamese law, court orders, or to protect our legal rights and the safety of our users.

Business Transfers: In the unlikely event of a business sale or merger, your information may be transferred to new owners who would be bound by this privacy policy.

All third parties we work with must meet our data protection standards. We regularly review these relationships to ensure your privacy remains protected throughout our service delivery chain.

Data Retention and Deletion

We keep your personal information only as long as necessary for the purposes described in this policy:

Active Client Data: Information from ongoing budgeting consultations is retained for the duration of our service relationship plus two years for reference and follow-up support.

Website Analytics: General usage data is aggregated and anonymized after 12 months, with personal identifiers removed to protect your privacy while allowing us to improve our services.

Communication Records: Email exchanges and consultation notes are kept for three years to ensure continuity of service if you return for additional budgeting guidance.

When retention periods expire, we securely delete your information using industry-standard deletion practices. You can also request earlier deletion of your data, though this may affect our ability to provide certain services.

Cookies and Website Technology

Our website uses cookies and similar technologies to enhance your browsing experience and understand how visitors use our educational resources:

Essential Cookies: These enable basic website functions like page navigation and access to secure areas. They don't collect personally identifiable information but are necessary for the site to work properly.

Analytics Cookies: We use Google Analytics to understand which content is most helpful and where visitors might need additional support. This data helps us improve our budgeting resources and educational materials.

Preference Cookies: These remember your choices like language settings or notification preferences to make return visits more convenient.

You can control cookie settings through your browser preferences. Disabling certain cookies might affect website functionality, but you'll still be able to access most of our educational content and contact us for services.

Updates to This Policy

We review and update this privacy policy regularly to reflect changes in our services, technology, or legal requirements. When we make significant changes, we'll notify you through:

Website Notice: A prominent notification on our homepage will alert visitors to policy updates for at least 30 days after changes take effect.

Email Notification: If you've provided your email address, we'll send a direct notification about material changes that affect how we handle your personal information.

The "Last Updated" date at the top of this policy indicates when changes were made. We encourage you to review this policy periodically, especially if you're an active user of our budgeting services.