Privacy Policy – VWEALTH

1. Our commitment

VWEALTH is committed to protecting your personal data under Decree 13/2023/ND-CP on Personal Data Protection of Vietnam and international information-security standards.

This policy explains how we collect, use, share and protect your personal data when you use VWEALTH.

2. Data we collect

2.1 Data you provide directly

At registration: full name, email, password (hashed)
When updating your profile: phone number (optional)
When contacting support: email content, attachments

2.2 Payment data

We do NOT store your bank card details. All transactions go through bank transfer. We only keep:

Transaction amount and time
Auto-generated transaction code (VWEALTH [user_id] [plan_code])
History of plans purchased

2.3 Technical data (automatic)

IP address, browser type, operating system
Access time, pages viewed
Cookies for the login session

3. How we use it

We use your personal data to:

Provide and maintain the VWEALTH service
Email you periodic analysis reports
Process payments and manage subscriptions
Provide technical support and answer your requests
Send important account notices (activation, expiry, password changes)
Improve service quality
Comply with legal obligations under Vietnamese law

4. Legal basis

We process your personal data on the following legal bases (per Decree 13/2023):

Consent of the data subject: you consent when you register
Contract performance: delivering the subscription you purchased
Legal compliance: tax, accounting and transaction-keeping duties
Legitimate interest: system security and fraud prevention

5. Data sharing

VWEALTH do NOT sell your personal data to any third party. We only share data when:

Service providers: hosting (Vultr/AWS), email service (SMTP), cloud storage. These partners access data only as needed to provide the service.
Legal requests: when required by a competent state authority or by court order.
Protecting rights: to protect the rights, property or safety of VWEALTH, users or third parties.

In every sharing case, we require the recipient to meet security standards equivalent to VWEALTH's.

6. Storage & security

6.1 Retention period

Account data: kept for as long as you use the service
Transaction history: kept at least 5 years per accounting rules
Technical logs: kept 90 days
On deletion request: we delete data within 30 days, except where retention is legally required

6.2 Security measures

HTTPS/TLS encryption for all connections
Passwords hashed with bcrypt — we cannot read your password
Role-based internal data access
Regular data backups
24/7 monitoring for abnormal access

7. Cookie & tracking

VWEALTH uses a session cookie to keep you logged in. We:

Use an authentication cookie (required for login)
Use a "Remember me" cookie if you choose
Do not use advertising / re-targeting cookies
Do not sell cookie data to third parties
Do not track across sites

You can disable cookies in your browser, but then you won't be able to log in to VWEALTH.

8. Your rights

Under Decree 13/2023, you have the following rights over your personal data:

Right to be informed: know what data of yours is being processed
Right to consent / withdraw consent: consent or withdraw at any time
Right of access: view your data in your account
Right to rectify: correct wrong/outdated information
Right to erasure: request deletion (except legally required data)
Right to restrict processing: pause data processing
Right to object: object to processing based on legitimate interest
Right to complain: file a complaint with the competent authority

To exercise these rights, please contact contact@vwealth.vn. We will respond within 15 business days.

9. Children under 18

VWEALTH does not serve anyone under 18. We do not knowingly collect children's personal data.

If we find we have collected a child's data without parental/guardian consent, we will delete it immediately.

10. Policy changes

We may update this Privacy Policy over time. For significant changes:

The new version will be posted on this page with a clear update date
Active users will be notified by email
Changes to how new data is collected/used will require renewed consent

11. Contact

For any questions, complaints or requests about personal data, please contact:

Email: contact@vwealth.vn (preferred)
Website: vwealth.vn

You may also complain to the Department of Cybersecurity and High-Tech Crime Prevention (A05) - Ministry of Public Security, if you believe your rights have been violated.

PrivacyPolicy