We collect information in several ways when you interact with our financial education platform. Understanding what we collect helps you make informed decisions about sharing your data with us.

Personal Information You Provide

• Name, email address, and contact information when you register
• Educational background and financial experience level
• Learning preferences and course selections
• Payment information for premium courses (processed securely)
• Communication preferences and feedback

Automatically Collected Information

• Device information, IP address, and browser type
• Pages visited, time spent on platform, and navigation patterns
• Course progress, quiz results, and learning analytics
• Login timestamps and session duration

Your data serves specific purposes related to improving your educational experience and maintaining our platform. We don't use your information for unrelated commercial activities.

We personalize your learning experience based on your progress and interests, but this customization remains within the educational context. We don't create detailed personal profiles for marketing purposes beyond course recommendations.

We limit data sharing to essential service providers and legal requirements. Your educational data isn't sold to third parties or used for unrelated commercial purposes.

Service Providers We Work With

• Payment Processors: Secure handling of course payments and subscriptions
• Cloud Storage: Safe storage of course materials and user progress
• Email Services: Course updates, newsletters, and important notifications
• Analytics Tools: Understanding platform usage to improve educational content

Legal Disclosures

We may disclose information when required by Vietnamese law, court orders, or to protect our users' safety. This includes cooperation with regulatory authorities overseeing financial education services in Vietnam.

You have significant control over your personal data. These rights help you manage how your information is used and stored on our platform.

Rights Available to You

• Access: Request copies of personal data we hold about you
• Correction: Update or correct inaccurate information
• Deletion: Request removal of your personal data (with some exceptions)
• Portability: Receive your data in a structured, machine-readable format
• Objection: Object to processing based on legitimate interests
• Restriction: Limit how we process your information

How to Exercise Your Rights

Contact us at support@cloudx-streamon.com with your request. We'll respond within 30 days and may need to verify your identity before processing certain requests. For complex requests, we might extend the response time to 60 days with advance notice.

You can also update many details directly through your account settings, including communication preferences, profile information, and privacy settings.

Protecting your educational data requires multiple layers of security. We use industry-standard practices while recognizing that no system is completely immune to threats.

Technical Safeguards

• SSL/TLS encryption for all data transmission
• Encrypted storage of sensitive information
• Regular security audits and vulnerability assessments
• Access controls limiting staff data access to job requirements
• Secure backup systems with encryption

Administrative Protections

• Staff privacy training and confidentiality agreements
• Incident response procedures for potential breaches
• Regular review of data access permissions
• Vendor security requirements and monitoring

If we discover a data breach that might affect you, we'll notify you within 72 hours as required by Vietnamese data protection regulations. The notification will explain what happened, what information was involved, and what steps we're taking.

We keep your information only as long as necessary for educational purposes and legal requirements. Different types of data have different retention periods based on their purpose and legal obligations.

Retention Periods

• Account Information: Retained while account is active plus 3 years after closure
• Course Progress: Kept for 5 years to support continuing education tracking
• Payment Records: Stored for 7 years as required by Vietnamese accounting law
• Communication Logs: Deleted after 2 years unless part of ongoing support issue
• Usage Analytics: Anonymized after 18 months, aggregated data kept indefinitely

Deletion Process

When retention periods expire or you request deletion, we remove personal identifiers and either delete or anonymize the data. Some information may be retained in anonymized form for research and platform improvement.

Some of our service providers operate outside Vietnam, which means your data may be processed in other countries. We ensure appropriate protection measures are in place for these transfers.

Transfer Safeguards

• Standard contractual clauses with international service providers
• Adequacy decisions recognizing equivalent protection levels
• Regular monitoring of international privacy law changes
• Additional security measures for sensitive educational data

We primarily use service providers in countries with strong data protection laws. When working with providers in other jurisdictions, we implement additional contractual protections to ensure your data receives equivalent protection to Vietnamese standards.