Financial Model Building Education

Introduction and Scope

FlowlyMergePoint ("we," "our," or "us") operates educational services focused on financial model building for professionals in Vietnam and internationally. This privacy policy explains how we collect, use, store, and protect your personal information when you interact with our website, educational programs, and related services.

We take your privacy seriously. Our approach balances transparency with practical data use necessary to deliver quality financial education. This policy applies to all information collected through flowlymergepoint.com, our learning programs, and direct communications with our team.

Important: This policy complies with Vietnam's Law on Cybersecurity (2018), Personal Data Protection Decree 13/2023, and incorporates international privacy standards for our global participants.

Information We Collect

We collect information you provide directly and certain data automatically when you use our services. Here's what we gather and why:

Information Type	Examples	Collection Method
Contact Information	Name, email, phone number, business address	Registration forms, contact inquiries
Professional Details	Job title, company, industry, experience level	Program enrollment, consultation requests
Educational Progress	Course completion, assignment submissions, participation	Learning management system
Technical Data	IP address, browser type, device information	Website analytics, security monitoring
Communication Records	Email exchanges, consultation notes, support tickets	Direct correspondence, customer service

We don't collect sensitive personal data like financial account information, health records, or political affiliations unless specifically relevant to customizing your learning experience.

How We Use Your Information

Your information helps us provide better educational experiences and maintain professional relationships. We use collected data for these specific purposes:

Educational Delivery: Providing course access, tracking progress, customizing learning paths based on your professional background
Communication: Sending program updates, answering questions, sharing relevant industry insights
Service Improvement: Analyzing learning outcomes, refining course content, identifying areas where students need additional support
Administrative Functions: Processing enrollments, managing schedules, maintaining accurate records
Marketing (with consent): Informing you about new programs, industry events, or educational resources that match your interests
Legal Compliance: Meeting regulatory requirements for educational services in Vietnam

Data Minimization Principle: We only collect and use information necessary for these stated purposes. We regularly review our data practices to ensure we're not holding unnecessary information.

Your Privacy Rights

You have significant control over your personal information. Here are your rights and how to exercise them:

Access Your Data

Request a copy of all personal information we hold about you. We'll provide this within 30 days in a readable format.

Correction Rights

Update incorrect or incomplete information anytime. Contact us directly or use your student portal to make changes.

Data Portability

Request your data in a structured format to transfer to another education provider if desired.

Deletion Requests

Ask us to delete your personal information, subject to legal requirements for educational records retention.

Processing Restrictions

Limit how we use your information while maintaining essential educational services.

Marketing Opt-out

Unsubscribe from promotional communications while keeping essential program updates.

To exercise these rights, email us at [email protected] with your request. We'll verify your identity and respond within the timeframes required by Vietnamese law.

Data Security and Protection

Protecting your information is fundamental to our operations. We implement multiple layers of security:

Technical Safeguards

SSL encryption for all data transmission
Regular security assessments and vulnerability testing
Secure servers with access controls and monitoring
Regular data backups with encryption
Multi-factor authentication for staff access

Organizational Measures

Staff privacy training and confidentiality agreements
Limited access to personal data on a need-to-know basis
Regular review of data handling procedures
Incident response procedures for potential breaches
Third-party vendor security assessments

While we maintain strong security, no system is completely risk-free. We promptly address any security incidents and will notify affected individuals if required by law.

Data Sharing and Third Parties

We share personal information only when necessary for educational delivery or legal compliance:

Service Providers: Technology platforms for course delivery, email services, payment processing (all bound by privacy agreements)
Educational Partners: Guest instructors or partner organizations involved in specific programs (limited to necessary information)
Legal Requirements: Government authorities when required by Vietnamese law or legitimate legal process
Business Transitions: In case of merger or acquisition, with prior notice to affected individuals

We never sell personal information to third parties or use it for advertising purposes beyond our own educational programs. Any data sharing agreements include privacy protection requirements matching our standards.

Data Retention and Deletion

We keep personal information only as long as needed for educational and legal purposes:

Data Type	Retention Period	Reason
Student Records	7 years after program completion	Educational verification, credential support
Marketing Communications	Until unsubscribe or 3 years inactive	Relationship maintenance
Financial Records	10 years	Tax compliance, audit requirements
Website Analytics	26 months	Service improvement insights
Support Communications	3 years	Service quality, dispute resolution

After retention periods expire, we securely delete or anonymize information. You can request earlier deletion in most cases, though some educational records may need to be maintained for credential verification purposes.

International Data Transfers

Some of our educational technology providers operate internationally. When your information is transferred outside Vietnam, we ensure adequate protection through:

Contractual safeguards requiring equivalent privacy protection
Selection of providers in countries with strong privacy frameworks
Regular monitoring of international data handling practices
Notification procedures if protection standards change

You have the right to know about international transfers affecting your data and can request details about specific protective measures in place.

Cookies and Website Technology

Our website uses cookies and similar technologies to enhance your experience:

Essential Cookies: Required for basic website functionality, account access, and security. These cannot be disabled.

Analytics Cookies: Help us understand how visitors use our site to improve content and navigation. You can opt out through browser settings.

Preference Cookies: Remember your choices and settings for a personalized experience. Optional and controlled through your account settings.

You can control cookie preferences through your browser settings or our cookie management interface. Disabling certain cookies may affect website functionality.

Children's Privacy

Our educational services target business professionals and adults. We don't knowingly collect personal information from individuals under 18 years old. If we become aware of data collected from minors, we'll take steps to delete it promptly.

Parents or guardians who believe we may have information about their child should contact us immediately for assistance.

Policy Updates and Changes

We review and update this privacy policy regularly to reflect changes in our services, legal requirements, or privacy best practices. Material changes will be communicated through:

Email notification to registered users
Prominent website notice for 30 days
Updated "last modified" date on this page
Clear explanation of specific changes made

Your continued use of our services after notification indicates acceptance of updated terms. If you disagree with changes, you can request account deletion or restrict data processing.

Privacy Policy