CleverOrigin Hub - Smart Budget Consolidation Platform

Introduction and Scope

CleverOriginHub ("we," "us," or "our") operates as a comprehensive financial platform focused on budget consolidation services. This privacy policy explains how we collect, use, store, and protect your personal information when you interact with our website at cleveroriginhub.com and utilize our financial management services.

Our operations are based in Vietnam, and we comply with both Vietnamese data protection regulations and international privacy standards. This policy applies to all users of our platform, regardless of their geographic location, and covers all interactions with our services including website visits, account creation, and use of our budget consolidation tools.

We believe in transparency about how your financial data is handled. This policy serves as your guide to understanding exactly what information we collect, why we need it, and how you can control its use.

Information We Collect

We collect various types of information to provide you with effective budget consolidation services. The information we gather falls into several categories, each serving specific purposes in delivering our financial management platform.

Personal Identifiers

Name, email address, phone number, and postal address for account management and communication purposes.

Financial Information

Budget data, spending categories, financial goals, and consolidated account information necessary for our services.

Technical Data

IP address, browser type, device information, and usage patterns to improve platform performance and security.

Account registration information including verification documents
Financial institution connection data for budget consolidation
Transaction categorization and budget allocation preferences
Communication records and customer service interactions
Platform usage analytics and feature utilization data
Security logs and authentication information

How We Use Your Information

Your information enables us to deliver personalized budget consolidation services and maintain the security of our platform. We process your data for legitimate business purposes that directly relate to the financial services you've requested from us.

Primary uses include providing budget analysis, consolidating financial data from multiple sources, generating spending reports, and offering personalized financial insights. We also use your information to improve our services, detect fraudulent activity, and comply with regulatory requirements in Vietnam and internationally.

We never sell your personal information to third parties. Our business model is based on providing valuable financial services to you, not monetizing your data through external sales.

Processing budget consolidation requests and maintaining account functionality
Sending important notifications about your account and financial insights
Improving platform features based on usage patterns and feedback
Preventing fraud and maintaining platform security measures
Complying with Vietnamese financial regulations and tax reporting requirements
Providing customer support and resolving technical issues

Data Sharing and Third Parties

We maintain strict controls over who can access your information. Data sharing occurs only when necessary to provide our services or when required by law. Our third-party relationships are governed by comprehensive data protection agreements that ensure your information receives the same level of protection we provide internally.

Financial institutions connected through our platform receive only the minimum data necessary to facilitate budget consolidation services. Technology service providers who help us maintain our platform are bound by strict confidentiality agreements and cannot use your data for their own purposes.

Important Disclosure Requirements

Vietnamese law requires us to disclose certain information to regulatory authorities when investigating financial crimes or tax compliance. We will notify you of such disclosures unless prohibited by law from doing so.

Authorized financial institutions for account verification and data synchronization
Cloud service providers who maintain our platform infrastructure
Payment processors for subscription and transaction handling
Legal authorities when required by Vietnamese or international law
Professional service providers including auditors and legal counsel under confidentiality agreements

Your Rights and Control Options

You maintain significant control over your personal information and how we use it. Vietnamese data protection laws, combined with our commitment to user privacy, provide you with comprehensive rights regarding your data. These rights can be exercised through your account settings or by contacting our privacy team directly.

You can access, modify, or delete most of your information directly through our platform. For more complex requests or complete account deletion, our customer service team can assist you through the process while ensuring your financial data is handled appropriately throughout any transitions.

Access and download your complete data profile including all financial information
Correct inaccurate information and update your preferences
Delete your account and request removal of all associated data
Restrict processing of your data for specific purposes
Object to automated decision-making that affects your financial profiles
Receive detailed explanations of how your data is processed
File complaints with Vietnamese data protection authorities

To exercise these rights, log into your account and visit the Privacy Settings section, or email our privacy team at [email protected]. We typically respond to requests within 7 business days.

Security Measures and Data Protection

Protecting your financial information is our top priority. We employ multiple layers of security including encryption, secure data centers, regular security audits, and strict access controls. Our security measures meet Vietnamese banking standards and international cybersecurity frameworks.

All data transmission occurs through encrypted channels, and we store your information using advanced encryption methods. Our security team continuously monitors for threats and updates our protection systems to address emerging risks in the financial technology sector.

256-bit SSL encryption for all data transmission and storage
Multi-factor authentication requirements for account access
Regular penetration testing and security vulnerability assessments
Restricted access controls with employee background checks
Automated threat detection and response systems
Secure data centers with physical and digital protection measures
Regular backup procedures and disaster recovery protocols

International Data Transfers

While our primary operations are based in Vietnam, our cloud infrastructure and some service providers operate internationally. We ensure that any cross-border data transfers maintain the same level of protection required by Vietnamese law through appropriate safeguards and contractual protections.

When your data is processed outside Vietnam, we use standard contractual clauses approved by Vietnamese authorities and ensure that receiving countries provide adequate protection levels. You have the right to request details about specific international transfers that affect your data.

Data Retention and Deletion

We retain your information for as long as necessary to provide our services and comply with Vietnamese financial regulations. Most personal information is kept for the duration of your active account plus seven years to meet tax and financial reporting requirements.

When you close your account, we begin our deletion process immediately for information that is no longer required. Some data must be retained for longer periods to comply with anti-money laundering regulations and tax obligations. We will provide you with specific retention timelines upon request.

Regulatory Retention Requirements

Vietnamese financial regulations require us to retain certain transaction and identification records for up to 10 years. This legal obligation prevents immediate deletion of some data even after account closure.

Changes to This Policy

We review and update this privacy policy regularly to reflect changes in our services, legal requirements, and privacy practices. When we make significant changes, we will notify you through email and prominent notices on our platform at least 30 days before the changes take effect.

Minor updates that don't affect your rights or how we handle your data may be implemented with shorter notice periods. We encourage you to review this policy periodically to stay informed about how we protect your information.

If you disagree with policy changes, you have the right to close your account before the new terms take effect. We will process your account closure under the previous policy terms.

Privacy Policy