We collect information to provide you with personalized financial education and improve our services. Here's what we gather and why:

We don't collect financial account information or ask for sensitive personal details beyond what's necessary for educational purposes. Your actual bank accounts, spending habits, or financial status remain private unless you choose to share them in our learning exercises.

Every piece of information we collect serves a specific purpose in delivering quality financial education:

• Course Delivery: We use your contact information to provide access to learning materials, send course updates, and track your progress through our weekly budgeting curriculum.
• Personalized Learning: Your learning analytics help us recommend relevant content and identify areas where you might need additional support or resources.
• Platform Improvement: Technical data helps us optimize website performance, fix bugs, and ensure our platform works well for users across Vietnam and internationally.
• Customer Support: We use communication records to provide consistent, helpful responses and improve our support processes based on common questions.
• Educational Communication: We send newsletters, course announcements, and financial literacy tips that align with your learning interests and progress level.

We never sell your information to third parties or use it for purposes unrelated to financial education. Your learning journey with us remains focused on building practical money management skills.

We work with a limited number of trusted partners to deliver our educational services, and we're selective about who gets access to your information:

• Educational Technology Providers: Our learning management system and video hosting services process your data to deliver course content and track your progress.
• Email Service Providers: We use professional email services to send course materials, updates, and educational newsletters. These providers are contractually bound to protect your information.
• Payment Processors: When you purchase courses, secure payment processors handle your financial transactions. We don't store your payment card details on our servers.
• Analytics Services: We use privacy-focused analytics to understand how people use our website and improve the user experience. These services receive anonymized or aggregated data only.

We require all third-party partners to maintain appropriate security measures and use your information only for the specific services they provide to us. We never share your personal information for marketing purposes or allow partners to use your data for their own business activities.

In certain legal circumstances, we may be required to disclose information to Vietnamese authorities or international partners, but only when legally obligated and only to the extent required by law.

You maintain significant control over your personal information and how we use it. Here are your rights and how to exercise them:

To exercise any of these rights, contact us at info@connectivesmartenergy.com with your request. We'll verify your identity and respond within the timeframes required by Vietnamese law.

Protecting your information is something we take seriously, using multiple layers of security to safeguard your data:

• Encryption: All data transmitted between your device and our servers uses industry-standard SSL/TLS encryption. Your information is encrypted both in transit and when stored in our databases.
• Access Controls: Our team members can only access the minimum amount of data necessary for their role. We regularly review and update access permissions to maintain tight security.
• Regular Security Audits: We conduct periodic security assessments and update our systems to address new threats. Our infrastructure is regularly monitored for suspicious activity.
• Secure Data Centers: Your information is stored in professionally managed data centers with physical security measures, backup systems, and compliance certifications.
• Staff Training: Our team receives ongoing training about data protection best practices and how to handle personal information responsibly.

While we implement robust security measures, no online system is completely immune to threats. We continuously work to improve our security posture and will promptly notify you of any significant data incidents that might affect your information.

We keep your information only as long as necessary to provide our services and comply with legal requirements. Here's how long we retain different types of data:

When we delete your information, we remove it from active systems and ensure it cannot be recovered or accessed. Backups containing your data are also purged according to our retention schedule.

You can request early deletion of your information by contacting us, though some data may need to be retained for legal compliance or to fulfill contractual obligations like providing access to courses you've purchased.

As an educational platform serving students across different countries, some of your information may be processed outside of Vietnam. We ensure appropriate protections are in place:

• Adequate Protection: We only transfer data to countries or organizations that provide adequate protection for personal information, either through privacy laws or contractual safeguards.
• Standard Contractual Clauses: When working with international service providers, we use legally approved contract terms that require the same privacy protections you'd receive in Vietnam.
• Limited Transfers: We minimize international data transfers and only send information overseas when necessary for service delivery or technical operations.
• Transparency: We'll inform you if your information will be processed in other countries and explain the protections we've put in place.

If you have concerns about international data transfers, contact us to discuss how your information is processed and what alternatives might be available.

We review and update this privacy policy periodically to reflect changes in our services, legal requirements, or privacy practices. When we make significant changes, we'll notify you through:

• Email notification to your registered email address
• Prominent notice on our website homepage
• In-platform notifications when you log into your account
• Updated "last modified" date at the top of this policy

We encourage you to review this policy regularly to stay informed about how we protect your information. Continued use of our services after policy changes indicates your acceptance of the updated terms.

For significant changes that affect your rights or how we use your information, we may require explicit consent before implementing the changes.