Introduction and Scope

SystemXTerminalHub ("we," "our," or "us") is committed to protecting your privacy and personal data. This Privacy Policy explains how we collect, use, process, and safeguard your information when you visit our website systemxterminalhub.com or use our budgeting and financial education services.

This policy applies to all users accessing our platform from Vietnam and internationally. We comply with Vietnam's Law on Cybersecurity 2018, Decree 15/2020/ND-CP on personal data protection, and applicable international data protection standards including GDPR where relevant.

By using our services, you acknowledge that you have read and understood this Privacy Policy and consent to our data practices as described herein.

Information We Collect

How We Use Your Information

Primary Purposes

• Providing personalized financial education and budgeting guidance
• Creating and managing your user account and learning profile
• Tracking your progress through our educational programs
• Sending course updates, educational content, and program notifications
• Responding to your inquiries and providing customer support

Secondary Purposes

• Improving our website functionality and user experience
• Analyzing usage patterns to enhance our educational content
• Conducting research to develop better financial literacy tools
• Ensuring platform security and preventing unauthorized access
• Complying with legal obligations and regulatory requirements

Data Sharing and Third Parties

We do not sell, trade, or rent your personal information to third parties for commercial purposes. However, we may share your data in the following limited circumstances:

Service Providers

We work with trusted third-party service providers who assist us in operating our website, conducting business, and serving our users. These providers include hosting services, email delivery systems, analytics tools, and payment processors. All service providers are contractually bound to protect your information and use it only for specified purposes.

Legal Requirements

We may disclose your information when required by Vietnamese law, court order, or government request, or when we believe disclosure is necessary to protect our rights, your safety, or the safety of others.

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the new entity, subject to the same privacy protections outlined in this policy.

Your Privacy Rights

To exercise any of these rights, please contact us using the information provided at the end of this policy. We will respond to your request within 30 days and may require identity verification to protect your privacy.

Data Security Measures

We implement comprehensive technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction:

Technical Safeguards

• SSL/TLS encryption for all data transmissions
• Multi-factor authentication for administrative access
• Regular security audits and vulnerability assessments
• Encrypted database storage with access logging
• Automated backup systems with secure off-site storage

Organizational Measures

• Staff training on data protection and privacy principles
• Access controls limiting data access to authorized personnel only
• Regular review and update of security policies and procedures
• Incident response plan for potential data breaches
• Contractual data protection obligations for all service providers

Data Retention Periods

We retain your personal information only as long as necessary to fulfill the purposes outlined in this Privacy Policy or as required by law:

International Data Transfers

While our primary operations are based in Vietnam, some of our service providers may process your data in other countries. When we transfer personal data internationally, we ensure adequate protection through:

• Standard contractual clauses approved by relevant data protection authorities
• Adequacy decisions recognizing equivalent levels of data protection
• Binding corporate rules for transfers within multinational service providers
• Certification schemes and codes of conduct ensuring data protection standards

You have the right to obtain information about these transfer mechanisms and, in certain circumstances, object to the transfer of your personal data to third countries.

Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your browsing experience and analyze site usage. We use the following types of cookies:

Essential Cookies

These cookies are necessary for the website to function properly and cannot be disabled. They include session management, security features, and basic functionality cookies.

Analytics Cookies

We use analytics cookies to understand how visitors interact with our website, which pages are most popular, and how we can improve the user experience.

Preference Cookies

These cookies remember your choices and preferences, such as language settings and customized content, to provide a more personalized experience.

You can manage cookie preferences through your browser settings, though disabling certain cookies may affect website functionality.

Children's Privacy

Our financial education services are intended for individuals aged 16 and older. We do not knowingly collect personal information from children under 16 years of age. If you are under 16, please do not provide any personal information through our website or services.

If we become aware that we have collected personal information from a child under 16 without parental consent, we will take immediate steps to delete that information from our systems.

Parents and guardians who believe their child has provided us with personal information may contact us to request access to, correction, or deletion of such information.

Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, services, or applicable laws. When we make significant changes, we will:

• Notify users via email at least 30 days before changes take effect
• Display a prominent notice on our website highlighting the updates
• Update the "Last updated" date at the top of this policy
• Provide a clear summary of material changes in plain language

Your continued use of our services after the effective date of any changes constitutes acceptance of the updated Privacy Policy.

For any questions, concerns, or requests regarding this Privacy Policy or our data practices, please don't hesitate to reach out using the contact information above. We're committed to addressing your privacy concerns promptly and transparently.