Information We Collect

We gather different types of information to help you manage your seasonal finances better. Some you give us directly, and some we collect as you use our services.

Information You Provide

When you sign up or use our budget planning tools, you share details like your name, email address, and phone number. For our financial planning features, you might also provide income information, spending patterns, and seasonal expense data. We ask for this because accurate budget adjustments depend on understanding your financial rhythms throughout the year.

Automatically Collected Data

Like most websites, we track how you interact with our platform. This includes your IP address, browser type, device information, and which pages you visit. We use cookies and similar technologies to remember your preferences and improve your experience. You can control cookies through your browser settings, though some features might not work as smoothly if you disable them.

How We Use Your Information

Your data helps us deliver personalized seasonal budget recommendations. We analyze your spending patterns across different times of the year to suggest when you might need to adjust your financial planning.

• Creating and maintaining your account with secure authentication
• Generating customized budget adjustments based on seasonal patterns
• Sending important notifications about your financial planning activities
• Responding to your questions and providing customer support
• Improving our algorithms and user interface based on usage patterns
• Preventing fraud and maintaining platform security
• Complying with Vietnamese financial regulations and legal obligations

Data Sharing and Disclosure

We keep your information private, but there are times when we need to share it with specific parties to provide our services or meet legal requirements.

Service Providers

We work with trusted companies that help us run our platform. This includes cloud hosting providers, payment processors, and analytics services. These partners only access the information they need to perform their specific functions, and they're contractually bound to protect your data. All our major service providers maintain data centers with appropriate security certifications.

Legal Requirements

Sometimes Vietnamese law requires us to disclose information to government authorities. We'll only do this when legally obligated and will notify you unless prohibited by law. If we receive a request that seems overly broad or improper, we'll push back to protect your privacy rights.

Business Transfers

If blaze-lumixflux merges with or is acquired by another company, your information would be part of that transfer. We'd notify you before this happens and explain any changes to how your data is handled.

Data Security Measures

Protecting your financial information isn't just important—it's essential. We've implemented multiple layers of security to keep your data safe from unauthorized access, alteration, or destruction.

• Industry-standard encryption for data transmission using TLS 1.3 protocol
• Encrypted storage of sensitive financial information at rest
• Regular security audits and vulnerability assessments conducted quarterly
• Multi-factor authentication options for account access
• Strict access controls limiting employee data access to essential personnel only
• Automated backup systems with geographic redundancy
• Intrusion detection and prevention systems monitoring 24/7
• Regular security training for all team members handling user data

But here's the thing—no system is completely bulletproof. While we do everything reasonable to protect your information, we can't guarantee absolute security. That's why we recommend you use a strong, unique password and enable two-factor authentication on your account.

Your Privacy Rights

Under Vietnamese data protection law, you have specific rights regarding your personal information. We've designed our systems to make exercising these rights as straightforward as possible.

Correction and Updates

Found an error in your information? You can update most details directly through your account settings. For changes requiring verification, contact our support team at info@blaze-lumixflux.com and we'll process your request within 15 business days.

Deletion Requests

You can request deletion of your account and associated data at any time. We'll remove your information within 45 days, though we may retain certain records for up to 5 years to comply with Vietnamese financial record-keeping requirements. Some data might also remain in backup systems for up to 90 days before complete removal.

Processing Restrictions

You can ask us to limit how we process your data in certain situations. For example, if you contest the accuracy of your information, we'll restrict processing while we verify the details. During this period, you can still access your account, but some features might be limited.

Objection Rights

You can object to our processing of your data for marketing purposes at any time. Just click the unsubscribe link in our emails or adjust your communication preferences in your account settings. For objections to other types of processing, contact us and we'll evaluate your request within 10 business days.

Cookies and Tracking Technologies

We use cookies to make your experience smoother and more personalized. These small files help us remember your preferences, keep you logged in, and understand how people use our platform.

Essential Cookies

These are necessary for the website to function. They handle things like keeping you logged in and remembering your security settings. You can't opt out of these without breaking core functionality, though you can delete them through your browser settings.

Performance Cookies

We use these to understand which features people use most and where they encounter problems. This data is anonymized and helps us fix bugs and improve the platform. You can disable these through your cookie preferences without affecting core features.

Functionality Cookies

These remember your preferences like language settings, display options, and customization choices. Disabling them means you'll need to reset your preferences each time you visit.

Most browsers let you control cookies through their settings. Check your browser's help section for specific instructions. Keep in mind that blocking certain cookies might affect how well our platform works for you.

International Data Transfers

Our servers are primarily located in Vietnam, but some of our service providers operate infrastructure in other countries. When your data crosses borders, we ensure it receives appropriate protection through contractual safeguards and compliance with international data transfer frameworks.

If you're accessing our services from outside Vietnam, you acknowledge that your information will be processed according to Vietnamese data protection standards, which may differ from those in your country. We've assessed these differences and maintain practices that meet or exceed the requirements of most international privacy frameworks.

Children's Privacy

Our services aren't designed for anyone under 18. We don't knowingly collect information from minors. If you're a parent or guardian and believe your child has provided us with personal information, contact us immediately at info@blaze-lumixflux.com. We'll delete such information within 48 hours of verification.

Financial planning services require adult decision-making capacity, which is why we maintain this age restriction. It's not just about legal compliance—it's about ensuring our tools are used appropriately.

Data Retention Periods

We don't keep your information longer than necessary. Different types of data have different retention requirements based on legal obligations and business needs.

Active account data remains accessible as long as you use our services. After account deletion, we retain certain information to comply with Vietnamese financial regulations, which require maintaining transaction records for 5 years. Communication records are kept for 3 years to handle potential disputes or follow-up questions.

Anonymous analytics data might be retained indefinitely since it can't be traced back to you. This helps us understand long-term trends and improve our services for future users.

Policy Updates and Changes

We review and update this privacy policy periodically to reflect changes in our practices, legal requirements, or service features. When we make significant changes, we'll notify you through email or a prominent notice on our platform at least 30 days before the changes take effect.

Minor updates like clarifications or formatting changes won't trigger notifications, but we'll always update the "Last Updated" date at the top of this page. We recommend checking this policy occasionally if you want to stay informed about how we protect your information.

If you disagree with any changes, you can close your account before the new policy takes effect. Continuing to use our services after the changes go live means you accept the updated terms.

Third-Party Links and Services

Our platform might include links to external websites or integrate with third-party financial tools. We're not responsible for the privacy practices of these external services. Before providing any information to them, review their privacy policies.

Some features let you connect accounts from other financial institutions to get a comprehensive view of your seasonal budget. These connections use secure authentication protocols, but each institution maintains its own privacy policy governing that data.

Vietnam-Specific Provisions

As a company operating in Vietnam, we comply with the Law on Cybersecurity 2018, Decree 13/2023/ND-CP on Personal Data Protection, and other relevant Vietnamese data protection regulations. This includes specific requirements for data localization, user consent, and cross-border data transfers.

Vietnamese residents have additional rights under local law, including the right to withdraw consent for data processing and the right to file complaints with the relevant authorities. If you want to exercise these rights or have questions about Vietnamese data protection laws, contact us at the details provided below.

We maintain detailed records of all data processing activities as required by Vietnamese regulations and make these available to authorities upon lawful request.