1. Information We Collect

Personal Information You Provide

When you create an account or use our services, you might share certain details with us. This typically includes your name, email address, and contact information. If you're using our business features, we might also collect company names and billing addresses. You're always in control of what you share.

Financial Data for Analysis

Our platform analyzes budget deviations, which means we process financial information you upload. This can include budget figures, expense records, and transaction data. We treat this information with the same care we'd want for our own financial records. The data stays encrypted both when it's being transmitted and when it's stored on our servers.

Usage and Technical Information

Like most online platforms, we automatically collect some technical data. This includes your IP address, browser type, device information, and how you interact with our platform. We use this to improve our services and fix problems when they pop up. Think of it as routine maintenance data that helps us keep things running smoothly.

2. How We Use Your Information

We're pretty focused on what we do with your data. Here's the breakdown:

• Running the platform and providing you with budget deviation analysis
• Sending you updates about your account or changes to our services
• Responding when you reach out to our support team
• Improving our algorithms and making our analysis more accurate
• Detecting and preventing potential security issues
• Meeting legal obligations under Vietnamese law and international standards

We won't use your information for purposes you haven't agreed to. If we want to do something new with your data, we'll ask first.

3. Data Storage and Security

Where Your Data Lives

Your information is stored on secure servers with enterprise-grade protection. We use encryption standards that financial institutions rely on. Our servers are located in facilities with physical security measures and regular audits. While we primarily operate in Vietnam, some data may be processed through international cloud services that meet strict security certifications.

Security Measures

We take several steps to protect your data. All connections to our platform use SSL/TLS encryption. Our team follows security best practices, and we conduct regular security assessments. Access to your financial data is restricted to authorized personnel who need it to provide support or maintain the platform. We also monitor for suspicious activity and have incident response procedures ready if something goes wrong.

4. Sharing and Disclosure

We're selective about who sees your information. Here are the only circumstances where we share data:

Service Providers

Some third-party services help us run the platform. This includes hosting providers, email services, and payment processors. These companies are contractually required to protect your data and can only use it for the specific services they provide to us. We vet these partners carefully.

Legal Requirements

If Vietnamese authorities or courts require us to disclose information, we'll comply with valid legal requests. We'll notify you about such requests unless we're legally prohibited from doing so. We also reserve the right to share information if we believe it's necessary to prevent harm or address security issues.

Business Transfers

If Begin Neo is acquired or merged with another company, your information might be transferred as part of that transaction. We'd notify you before this happens and explain any changes to how your data is handled.

5. Your Rights and Choices

You have significant control over your information. Here's what you can do:

• Access Your Data: Request a copy of the personal information we hold about you at any time
• Correct Inaccuracies: Update or fix information that's outdated or incorrect through your account settings
• Delete Your Account: Request full deletion of your account and associated data, subject to legal retention requirements
• Export Your Data: Download your financial data in a portable format to use with other services
• Restrict Processing: Ask us to limit how we use your information in certain circumstances
• Opt Out of Communications: Unsubscribe from marketing emails while still receiving essential account updates

To exercise these rights, contact us directly through the information provided at the end of this policy. We'll respond within 15 business days and verify your identity before processing requests.

6. Cookies and Tracking

Our platform uses cookies and similar technologies to function properly. Essential cookies keep you logged in and remember your preferences. Analytics cookies help us understand which features people use most. You can control cookie settings through your browser, though disabling certain cookies might affect platform functionality.

We don't use advertising cookies or sell data to ad networks. The tracking we do is strictly for making the platform work better for you.

7. International Data Transfers

While Begin Neo is based in Vietnam, we use cloud services that may process data internationally. When data leaves Vietnam, we ensure it's protected by appropriate safeguards such as standard contractual clauses or equivalent mechanisms. Your data receives the same level of protection regardless of where it's processed.

8. Children's Privacy

Our platform is designed for business and professional use. We don't knowingly collect information from individuals under 16 years old. If we discover we've accidentally collected such information, we'll delete it promptly.

9. Changes to This Policy

We might update this privacy policy occasionally as our services evolve or regulations change. When we make significant changes, we'll notify you via email or through a prominent notice on the platform. The "Last Updated" date at the top shows when the most recent changes were made. We encourage you to review this policy periodically.

10. Vietnamese Law Compliance

Begin Neo operates in accordance with Vietnamese data protection regulations, including Decree 13/2023/ND-CP on Personal Data Protection. We maintain records of processing activities and conduct privacy impact assessments for high-risk operations. If you have concerns about how we handle your data under Vietnamese law, you have the right to lodge a complaint with relevant authorities.