Privacy Notice

We collect the following information when you use the VIFC Database platform:

• Account Information: Email address and password when you register for an account.
• Payment Information: Payment details processed through MoMo for premium subscriptions. We do not store full payment credentials on our servers.
• Usage Data: Pages visited, search queries, features used, and interaction patterns to improve our service.
• Device Information: Browser type, operating system, IP address, and device identifiers.
• Cookies: Session cookies, locale preferences (vifc_locale), and authentication tokens.

Your data is used to:

• Provide and maintain the VIFC Database platform and its features.
• Authenticate users and manage premium subscriptions.
• Personalize your experience, including language preferences.
• Aggregate anonymized analytics to improve the platform.
• Communicate service updates and important notices.
• Comply with legal obligations under Vietnamese law.

We use the following cookies:

• vifc_locale: Stores your preferred language setting (1 year expiry).
• vifc_session: Authentication session cookie (secure, httpOnly).
• Analytics cookies: Anonymous usage statistics to improve the platform.

You can clear cookies at any time through your browser settings. Disabling cookies may affect platform functionality.

The VIFC Database integrates with the following third-party services:

• Registry Data API: Used to fetch and synchronize registry data from official sources.
• World Bank API: Economic indicators and development data for Vietnam and ASEAN countries.
• Yahoo Finance: Stock market data, exchange rates, and financial metrics.
• Google News: Aggregated news articles related to Vietnam's financial sector.
• MoMo Payment Gateway: Payment processing for premium subscriptions (250,000 VND/month).
• Resend: Transactional email delivery for password resets and account notifications.
• Upstash Redis: Cloud-hosted database for user account storage and session management.
• Telegram Bot API: Administrative notifications for account events (no user data is shared publicly).

Each third-party service has its own privacy policy. We encourage you to review their respective policies.

We retain your data as follows:

• Account data: Retained while your account is active. You may delete your account at any time from your account settings — all personal data is removed immediately.
• Payment records: Retained for 5 years as required by Vietnamese tax regulations.
• Usage analytics: Anonymized data retained indefinitely for service improvement. Personally identifiable data deleted after 12 months.
• Cookies: Session cookies expire after 7 days. Preference cookies (language) expire after 1 year.

Under applicable data protection laws, you have the right to:

• Access: Request a copy of your personal data.
• Correction: Request correction of inaccurate data.
• Deletion: Request deletion of your personal data (subject to legal retention requirements).
• Portability: Receive your data in a structured, machine-readable format.
• Objection: Object to processing of your data for specific purposes.

To exercise any of these rights, contact us at the address below.

For privacy-related inquiries, please contact: