Privacy Policy

Information We Collect

When you interact with BNPoint's budget planning services, we collect various types of information to provide you with personalized financial insights and secure account management. Understanding what we collect helps you make informed decisions about sharing your data.

Personal Information You Provide

• Account registration details including your name, email address, phone number, and chosen password
• Financial information such as income sources, expense categories, savings goals, and budget preferences
• Payment information when you upgrade to premium services, including billing addresses and payment method details
• Communication preferences and any messages you send to our support team
• Profile customization data including preferred currency, language settings, and notification preferences

Automatically Collected Information

Our systems automatically gather certain technical information to improve your experience and maintain security. This includes your IP address, device type, browser information, operating system details, and how you navigate through our platform. We also collect usage patterns, feature preferences, and performance metrics to enhance our services.

How We Use Your Information

Every piece of information we collect serves a specific purpose in delivering exceptional budget planning services. We believe in transparency about how your data powers our platform's functionality and your financial progress.

• Creating and maintaining your secure BNPoint account with personalized dashboard and settings
• Providing budget analysis, spending insights, and financial planning recommendations tailored to your goals
• Processing payments for premium features and maintaining billing records for your account
• Sending important account notifications, security alerts, and educational content about budget management
• Improving our platform's performance, adding new features, and fixing technical issues
• Detecting and preventing fraudulent activities, unauthorized access, and security threats
• Complying with legal obligations and responding to legitimate requests from regulatory authorities

Information Sharing and Disclosure

BNPoint operates on strict principles regarding information sharing. We limit data sharing to essential service providers and legally required situations, always with appropriate safeguards in place.

Service Providers and Partners

We work with trusted third-party companies that help us deliver our services effectively. This includes cloud hosting providers for secure data storage, payment processors for transaction handling, email service providers for communication, and analytics services for platform improvement. All partners must meet our strict security standards and are contractually bound to protect your information.

Legal Requirements

We may disclose your information when required by Vietnamese law, court orders, or regulatory requests. This includes situations involving fraud prevention, security investigations, or compliance with financial regulations. We carefully review all such requests and share only the minimum information necessary.

Business Transfers

If BNPoint undergoes a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We would notify you in advance and ensure the new entity maintains the same privacy protections outlined in this policy.

Data Security and Protection

Protecting your financial information is our highest priority. We've implemented comprehensive security measures that exceed industry standards to safeguard your data against unauthorized access, breaches, and misuse.

• Advanced encryption protocols for all data transmission and storage, using AES-256 encryption standards
• Multi-factor authentication options to secure your account access and prevent unauthorized login attempts
• Regular security audits conducted by independent cybersecurity firms to identify and address potential vulnerabilities
• Secure data centers with physical access controls, environmental monitoring, and backup power systems
• Employee background checks and security training to ensure internal data protection protocols are followed
• Automated threat detection systems that monitor for suspicious activities and potential security breaches
• Regular data backups stored in geographically separate locations to ensure data recovery capabilities

Despite our robust security measures, no online service can guarantee complete security. We encourage you to use strong, unique passwords and enable two-factor authentication to further protect your account.

Your Privacy Rights and Control

You maintain significant control over your personal information and how we use it. We've designed our systems to make exercising these rights straightforward and transparent.

Access and Portability

You can access your personal information anytime through your account dashboard. If you need a comprehensive copy of your data, contact our support team at info@bnpoint.com, and we'll provide it in a commonly used, machine-readable format within 30 days.

Correction and Updates

Keep your information accurate by updating it directly in your account settings. For information you cannot modify yourself, send us a correction request, and we'll update your records promptly after verification.

Data Deletion

You may request deletion of your account and associated personal information at any time. We'll remove your data within 60 days, except for information we're legally required to retain. Some anonymized data may be kept for service improvement purposes.

Communication Preferences

Control what communications you receive from us through your notification settings. You can opt out of marketing emails while still receiving essential account and security notifications.

Data Retention and Storage

We retain your information only as long as necessary to provide our services and comply with legal obligations. Our retention practices balance your privacy rights with our business needs and regulatory requirements.

• Active account information is retained while your account remains open and for up to 2 years after account closure
• Financial transaction records are kept for 7 years to comply with Vietnamese financial regulations
• Customer support communications are retained for 3 years to maintain service quality and resolve disputes
• Technical logs and usage data are typically deleted after 2 years unless needed for ongoing security investigations
• Marketing communication data is retained until you unsubscribe or for 5 years from last engagement

All data is stored on secure servers located in reputable data centers with appropriate physical and digital security measures. We regularly review our retention practices and delete information that's no longer necessary.

International Data Transfers

While BNPoint operates primarily in Vietnam, some of our trusted service providers may process your information in other countries. When we transfer data internationally, we ensure appropriate safeguards are in place to protect your privacy rights.

We use standard contractual clauses, adequacy decisions, and other approved transfer mechanisms to ensure your data receives the same level of protection regardless of where it's processed. You can request details about specific transfer safeguards by contacting our privacy team.

Cookies and Tracking Technologies

BNPoint uses cookies and similar technologies to enhance your browsing experience, remember your preferences, and analyze how you use our platform. Understanding these technologies helps you make informed choices about your privacy.

Types of Cookies We Use

• Essential cookies that are necessary for our website to function properly and provide core services
• Performance cookies that help us understand how you interact with our platform and identify areas for improvement
• Functional cookies that remember your preferences and settings to personalize your experience
• Analytics cookies that provide insights into user behavior and help us optimize our services

You can control cookie settings through your browser preferences. However, disabling certain cookies may limit some functionality of our platform. We respect "Do Not Track" signals where technically feasible.

Children's Privacy Protection

BNPoint's services are designed for adults and users who are at least 18 years old. We do not knowingly collect personal information from children under 18. If we become aware that we've collected information from a minor, we'll take immediate steps to delete that information and terminate the account.

Parents or guardians who believe their child has provided personal information to BNPoint should contact us immediately at info@bnpoint.com, and we'll work quickly to address the situation and remove any collected information.

Updates to This Privacy Policy

As BNPoint evolves and privacy regulations change, we may need to update this policy. We're committed to keeping you informed about any changes that affect how we handle your personal information.

When we make significant changes, we'll notify you through email or prominent notices on our platform at least 30 days before the changes take effect. For minor updates that don't materially affect your rights, we'll post the updated policy on our website with a new effective date.

We encourage you to review this privacy policy periodically to stay informed about our privacy practices. Your continued use of BNPoint after changes become effective indicates your acceptance of the updated policy.