Introduction and Scope

Welcome to ConnectMeshGrid's comprehensive privacy policy. We're a Vietnam-based financial education company focused on budget management strategies, and we understand the trust you place in us when sharing your personal information.

This policy explains how we collect, use, and protect your data in accordance with Vietnamese data protection laws, including Decree 13/2023/ND-CP and other applicable regulations. Our commitment goes beyond compliance – we believe transparency builds stronger relationships with our students and community.

Whether you're browsing our educational content, enrolling in our programs, or simply curious about our budget optimization strategies, this policy covers all interactions with ConnectMeshGrid services.

Information We Collect

Personal Information You Provide

When you engage with our educational platform, we collect information you voluntarily share with us. This typically happens during course registration, consultation requests, or when you download our budget planning resources.

• Identity Information: Full name, email address, phone number, and mailing address for course materials delivery
• Educational Background: Current financial knowledge level, professional experience, and learning objectives
• Financial Goals: General budget categories, savings targets, and areas where you want improvement (we never ask for specific account numbers or balances)
• Communication Preferences: How and when you'd like to receive updates about new courses and financial tips
• Payment Information: Billing details for course fees (processed securely through verified payment partners)

Technical Information We Automatically Collect

Our website collects certain technical information to improve your learning experience and ensure our platform works effectively across different devices and browsers.

• Device and Browser Data: Device type, operating system, browser version, and screen resolution
• Usage Analytics: Pages visited, time spent on educational content, course progress, and feature usage patterns
• Performance Data: Loading times, error messages, and technical issues that might affect your experience
• Location Information: General location (city/province level) to customize content and comply with local regulations

How We Use Your Information

Your information serves specific purposes related to delivering quality financial education and improving our services. We don't sell personal data or use it for unrelated marketing purposes.

Educational Service Delivery

• Course Administration: Enrollment processing, progress tracking, certificate generation, and personalized learning recommendations
• Student Support: Responding to questions, providing technical assistance, and offering guidance on budget strategy implementation
• Content Customization: Adapting course materials to match your stated learning goals and experience level
• Progress Monitoring: Tracking completion rates and identifying areas where students commonly need additional support

Communication and Updates

• Course-Related Communications: Important updates about enrolled programs, schedule changes, and new module releases
• Educational Content: Monthly budget tips, market insights relevant to Vietnam, and advanced strategies for program graduates
• Service Announcements: Platform updates, new features, and changes to our educational offerings
• Community Building: Invitations to student forums, group challenges, and success story features (with your permission)

Business Operations and Improvement

• Quality Assurance: Analyzing course effectiveness, identifying popular topics, and measuring student satisfaction
• Platform Security: Detecting suspicious activity, preventing unauthorized access, and protecting against fraud
• Legal Compliance: Meeting Vietnamese regulatory requirements and maintaining proper educational service records
• Research and Development: Creating new courses, updating existing content, and improving our teaching methodology

Data Sharing and Third-Party Relationships

We carefully select partners who support our educational mission and maintain strict data protection standards. We never sell your personal information to marketing companies or unrelated third parties.

Educational and Technical Partners

Some partners help us deliver better educational experiences while maintaining your privacy protection:

• Payment Processors: Secure handling of course fees through established Vietnamese banking partners and international payment gateways
• Email Service Providers: Delivery of course materials, progress updates, and educational newsletters using professional email platforms
• Learning Management Systems: Video hosting, quiz functionality, and progress tracking through specialized educational technology providers
• Analytics Services: Understanding how students use our platform to identify improvement opportunities (data is aggregated and anonymized)

Legal and Regulatory Disclosures

In certain circumstances, Vietnamese law may require us to share specific information with authorized government agencies. This typically relates to educational compliance, tax obligations, or legitimate law enforcement requests with proper legal documentation.

Your Privacy Rights and Control Options

Vietnamese privacy laws grant you specific rights regarding your personal information. We've designed straightforward processes to help you exercise these rights without unnecessary bureaucracy.

Access and Transparency Rights

• Data Access: Request a complete copy of personal information we hold about you, including course progress and communication history
• Processing Information: Learn exactly how we use your data, who we share it with, and the legal basis for each processing activity
• Source Disclosure: Understand where we obtained your information, especially if you didn't provide it directly
• Storage Timeline: Get clear information about how long we retain different types of data and why

Control and Modification Rights

• Correction Rights: Update outdated information, fix errors in your profile, or clarify your learning objectives
• Deletion Requests: Remove your personal information from our systems (subject to legitimate business needs and legal requirements)
• Processing Restrictions: Temporarily limit how we use your data while resolving disputes or accuracy questions
• Communication Preferences: Opt out of marketing emails while maintaining essential course-related communications

Exercising Your Rights

To exercise any of these rights, contact our privacy team at support@connectmeshgrid.com. We typically respond within 5 business days and complete most requests within 30 days. Some requests may take longer due to technical complexity or legal verification requirements.

Data Security and Protection Measures

Protecting your information is both a legal obligation and a core business principle. We've implemented multiple layers of security to safeguard your data throughout its lifecycle.

Technical Security Measures

• Encryption: All data transmissions use TLS 1.3 encryption, and sensitive stored data is encrypted using AES-256 standards
• Access Controls: Multi-factor authentication for staff, role-based permissions, and regular access reviews
• Network Security: Firewall protection, intrusion detection systems, and regular security monitoring
• Backup and Recovery: Secure, encrypted backups with tested disaster recovery procedures

Operational Security Practices

• Staff Training: Regular privacy and security training for all employees who handle student information
• Vendor Management: Strict security requirements for all third-party partners, including contractual privacy obligations
• Incident Response: Documented procedures for detecting, containing, and reporting security incidents
• Regular Audits: Internal and external security assessments to identify and address potential vulnerabilities

Data Retention and Deletion Policies

We retain personal information only as long as necessary for legitimate educational and business purposes. Our retention periods balance your privacy rights with practical needs like transcript maintenance and tax compliance.

Standard Retention Periods

• Active Student Records: Maintained throughout enrollment plus 7 years for educational transcript purposes
• Course Content and Progress: Available to students for 5 years after program completion, then archived with personal identifiers removed
• Communication Records: Email and support conversations retained for 3 years to maintain service continuity
• Payment and Financial Data: Kept for 10 years to comply with Vietnamese tax and accounting requirements
• Website Analytics: Aggregated usage data retained indefinitely, but individual user tracking data deleted after 2 years
• Marketing Contact Lists: Removed within 90 days of unsubscription unless you're an active student

Automated Deletion Processes

We've implemented automated systems to ensure data doesn't linger longer than necessary. These systems regularly review retention periods and securely delete information that has reached its expiration date.

When you request account deletion, we immediately remove your access and begin the deletion process. Some information may be retained in encrypted backups for up to 90 days as a security measure, then permanently destroyed.

International Data Transfers and Jurisdictional Issues

While ConnectMeshGrid operates primarily within Vietnam, some educational technology providers and services operate internationally. We ensure appropriate safeguards protect your information regardless of processing location.

Transfer Safeguards

• Adequacy Assessments: We only work with partners in countries or regions with strong data protection frameworks
• Contractual Protections: Standard contractual clauses requiring equivalent privacy protections regardless of location
• Certification Requirements: Partners must maintain relevant security certifications and undergo regular audits
• Data Minimization: Only necessary information is shared internationally, with preference for Vietnamese-based alternatives

Your Rights Regarding International Transfers

You have the right to know when your data is processed internationally and to request restrictions on such transfers. In some cases, this might limit certain features or services, but we'll work with you to find suitable alternatives.

Cookies and Online Tracking Technologies

Our website uses cookies and similar technologies to enhance your learning experience and understand how students interact with our educational content. We prioritize essential functionality while giving you control over optional tracking.

Types of Cookies We Use

• Essential Cookies: Required for basic website functionality, login sessions, and course progress saving
• Educational Cookies: Remember your preferences, language settings, and course bookmarks for better user experience
• Analytics Cookies: Help us understand which content is most valuable and identify areas for improvement
• Communication Cookies: Enable features like live chat support and forum notifications

Managing Cookie Preferences

You can control cookie settings through your browser or our preference center. Disabling certain cookies may limit some website features but won't prevent access to core educational content.

We don't use cookies for advertising tracking or sharing browsing behavior with marketing networks. Our focus remains on educational effectiveness rather than commercial exploitation of your data.

Children's Privacy Protection

ConnectMeshGrid's educational programs are designed for adults making independent financial decisions. We don't knowingly collect personal information from individuals under 18 without verified parental consent.

If we discover we've inadvertently collected information from a minor, we'll immediately delete such data and take steps to prevent future occurrences. Parents who believe their child's information has been collected should contact us immediately for prompt resolution.

For young adults aged 16-17 interested in financial education, we require parental or guardian consent and involvement in the educational process.

Updates and Changes to This Policy

Privacy laws and our educational services evolve over time. We review and update this policy annually or when significant changes occur to our data practices.

When updates are made, we'll notify current students via email and post the revised policy on our website with clear change summaries. Significant changes that affect your rights will include opt-out opportunities where legally required.

We encourage you to review this policy periodically, especially before enrolling in new courses or updating your profile information.