Information We Collect

When you work with wise-logicnode for budget risk management, we need certain information to provide meaningful services. Here's what we actually gather and why it matters:

Account and Contact Details

Your name, email address, phone number, and business information. Pretty standard stuff. We use this to communicate with you about your risk assessments and send important updates about your account.

Financial Information

Here's where it gets more detailed. We collect budget data, expense records, financial projections, and risk tolerance preferences. This is the core of what we do. Without understanding your financial landscape, we can't provide useful risk management guidance.

Technical Data

When you visit our website or use our platform, we collect IP addresses, browser types, device information, and usage patterns. This helps us keep the service running smoothly and catch any security issues early.

How We Use Your Information

Let's be direct about this. Your data serves specific purposes related to budget risk management. We don't use it for unrelated marketing campaigns or sell it to third parties.

Service Delivery

Your financial information helps us analyze budget risks, create forecasting models, and provide recommendations tailored to your situation. That's the main reason we need this data in the first place.

Communication

We'll reach out about your account, share risk alerts when we spot potential issues, and send service updates. You can control how often you hear from us, though some security notifications are mandatory.

Platform Improvement

Aggregate usage data helps us understand which features work well and which need refinement. We analyze trends across all users to make the platform more effective. Your individual data stays confidential during this process.

Legal Compliance

Vietnamese law requires certain record-keeping practices for financial services. We maintain necessary documentation to comply with regulations from the State Bank of Vietnam and other relevant authorities.

Data Storage and Security

Your financial information lives on secure servers located in Vietnam, with encrypted backups in Singapore. This setup gives us reliability while keeping data within appropriate jurisdictions.

Security Measures

• 256-bit AES encryption for data at rest and TLS 1.3 for data in transit
• Multi-factor authentication requirements for all account access
• Regular security audits conducted quarterly by independent firms
• Restricted access controls ensuring only authorized personnel can view sensitive data
• Automated monitoring systems that flag unusual activity patterns

Data Retention

Active client data stays in our systems for the duration of your engagement with wise-logicnode. After you close your account, we retain records for seven years to comply with Vietnamese financial record-keeping requirements. Then it gets permanently deleted.

Your Rights Under Vietnamese Law

Vietnam's Law on Cybersecurity and Personal Data Protection Decree gives you specific rights regarding your information. Here's what you can do and how to exercise these rights:

To exercise any of these rights, send your request to info@wise-logicnode.com with "Data Rights Request" in the subject line. We'll verify your identity and respond within the timeframes required by Vietnamese law.

Third-Party Sharing

We don't sell your information. Period. But we do work with specific service providers who help us deliver budget risk management services. Here's who sees what:

Service Provider Type	What They Access	Why It's Necessary
Cloud Infrastructure	Encrypted data storage	Platform hosting and reliability
Analytics Tools	Anonymized usage patterns	Service improvement and performance monitoring
Communication Services	Contact information and message content	Email delivery and customer support
Payment Processors	Transaction details	Billing and subscription management

All third-party providers sign data processing agreements and must comply with Vietnamese data protection standards. They can only use your information for the specific services they provide to us.

Legal Disclosure

We may disclose information when required by Vietnamese law, court orders, or government requests. This includes cooperating with investigations by the Ministry of Public Security or tax authorities when legally obligated.

International Data Transfers

Your primary data stays in Vietnam. However, some backup systems and service providers operate from Singapore and other Southeast Asian locations. These transfers occur under appropriate safeguards:

• Standard contractual clauses approved by Vietnamese authorities
• Equivalent or stronger data protection laws in destination countries
• Encryption during transit and at destination
• Regular compliance audits of international partners

We prioritize keeping data within Vietnam and ASEAN member states where possible. Any transfers outside this region require your explicit consent except when necessary for service delivery or legal compliance.

Cookies and Tracking

Our website uses cookies to maintain your session and remember your preferences. Here's what you'll encounter:

Essential Cookies

These keep you logged in and maintain security. You can't opt out of these without losing basic functionality.

Analytics Cookies

Help us understand which features get used most and where people encounter problems. These are optional, and you can disable them through our cookie preferences.

Preference Cookies

Remember your settings like language choice and display options. Makes your experience smoother on return visits.

We don't use advertising cookies or share browsing data with ad networks. Your activity on wise-logicnode stays between you and us.

Children's Privacy

Our services target businesses and adult individuals managing budgets. We don't knowingly collect information from anyone under 16 years old. If you're a parent who discovers your child has provided us with information, contact us immediately and we'll delete it.

Changes to This Policy

We update this privacy policy when our practices change or Vietnamese regulations evolve. Major changes get announced via email at least 30 days before taking effect. Minor clarifications happen without notification.

The "Last Updated" date at the top shows when we last modified this document. Check back occasionally if you want to stay current with our practices.

Continuing to use wise-logicnode after policy updates means you accept the new terms. If you disagree with changes, you can close your account before they take effect.

Complaints and Concerns

If you're unhappy with how we handle your data, here's the escalation path:

1. Contact our privacy team directly at info@wise-logicnode.com
2. If unsatisfied with our response, escalate to our Data Protection Officer
3. File a complaint with the Authority of Information Security under Vietnam's Ministry of Information and Communications
4. Seek legal remedies through Vietnamese courts if necessary

We take every complaint seriously and investigate all concerns thoroughly. Most issues get resolved at the first level, but you have the right to pursue formal channels if needed.