Privacy Policy

Information We Collect

We only collect information that helps us deliver better education and support your learning journey. Here's what we gather and why:

Information You Provide Directly

• Account details when you register (name, email, phone number, professional background)
• Payment information processed through secure third-party providers
• Course progress and assessment results to track your learning
• Messages you send through our contact forms or support channels
• Profile preferences and notification settings

Information Collected Automatically

When you use our platform, we collect technical data to improve your experience:

• Device information (browser type, operating system, screen resolution)
• IP address and general location data (city level, not precise coordinates)
• Pages visited, time spent on platform, and navigation patterns
• Course interaction data (videos watched, exercises completed, time stamps)

How We Use Your Information

Every piece of data serves a purpose. We're not in the business of hoarding information—we use what we need to provide quality education.

Data Sharing and Third Parties

Sometimes we need to share limited information with partners who help us run the platform. These relationships are carefully managed.

Service Providers We Work With

• Payment processors for secure transaction handling (they never see your full card details)
• Cloud hosting services for platform infrastructure and data storage
• Email service providers for course communications and notifications
• Analytics tools to understand how users interact with our content
• Customer support platforms to manage inquiries efficiently

All third-party providers sign data processing agreements and must meet our security standards. They can only use your data for the specific services they provide to us.

When Law Requires Disclosure

We may disclose information if required by Vietnam law enforcement, tax authorities, or valid legal processes. We review all requests carefully and only provide what's legally required.

Your Rights and Control

Your data belongs to you. Here's what you can do with it:

Data Security Measures

Protecting your information isn't optional—it's fundamental to how we operate. Here's how we keep your data safe:

• Industry-standard encryption for data in transit (TLS 1.3) and at rest (AES-256)
• Regular security audits and penetration testing by independent experts
• Access controls limiting who can view your data (need-to-know basis only)
• Secure authentication with password requirements and optional two-factor authentication
• Automated backup systems with encrypted storage in multiple locations
• Employee training on data protection and confidentiality obligations
• Incident response procedures ready if a breach occurs

While we implement strong safeguards, no system is completely immune to threats. If a data breach affects your information, we'll notify you within 72 hours and explain what happened and what we're doing about it.

Data Retention and Deletion

We don't keep data longer than necessary. Different types of information have different retention periods:

Active Account Data

While your account is active, we maintain your profile, course progress, and learning history so you can access it anytime.

After Account Closure

• Personal profile data deleted within 45 days
• Course completion records kept for 7 years (required for certificate verification)
• Financial transaction records retained for 10 years (Vietnam tax law requirement)
• Marketing communication preferences deleted immediately
• Anonymous usage analytics may be retained indefinitely

Inactive Accounts

If you haven't logged in for 3 years, we'll send an email reminder. After 4 years of inactivity, we may close your account and delete your data following the schedule above.

International Data Transfers

Our primary servers are located in Vietnam. However, some service providers we use may store or process data in other countries, including the United States and Singapore.

When data moves across borders, we ensure:

• Adequate protection through standard contractual clauses approved by data protection authorities
• Service providers in countries with recognized data protection frameworks
• Regular audits to verify compliance with agreed-upon safeguards
• Your rights remain enforceable regardless of where data is processed

You can request details about specific international transfers by contacting our privacy team.

Cookies and Tracking Technologies

We use cookies and similar technologies to make the platform work properly and understand how you use it. Here's the breakdown:

Essential Cookies

These keep you logged in and remember your course progress. They're required for the platform to function. You can't opt out of these without breaking core features.

Functional Cookies

These remember your preferences like language settings and video playback quality. They make your experience smoother but aren't strictly necessary.

Analytics Cookies

We use these to see which courses are popular, where users get stuck, and how we can improve content. The data is aggregated and anonymous.

Children's Privacy

Our platform is designed for professional financial analysts and business users. We don't knowingly collect information from anyone under 16 years old.

If you're under 16 and interested in our courses, please have a parent or guardian create an account and supervise your learning. If we discover we've collected data from someone under 16 without proper consent, we'll delete it promptly.

Changes to This Policy

We update this policy occasionally to reflect new practices or legal requirements. When we make significant changes, we'll notify you by email and display a notice on the platform.

The "Last Updated" date at the top shows when the current version took effect. Continuing to use the platform after changes means you accept the updated policy. If you don't agree with changes, you can close your account.

We archive previous versions. If you want to review an older policy, send us a request.