Introduction and Company Information

InsightRatio operates as a cost management platform serving businesses in Vietnam and internationally. We're committed to protecting your personal information according to Vietnam's cybersecurity laws, data protection regulations, and international privacy standards.

This policy explains what information we collect, why we need it, how we use it, and what rights you have regarding your personal data. By using our services, you agree to the practices described in this privacy policy.

Contact Information:

Information We Collect

We collect several types of information to provide and improve our cost management services. The information helps us understand your business needs and deliver personalized financial insights.

Automatic Data Collection

Our platform automatically collects certain information when you visit or use our services. This includes log files, cookies, web beacons, and similar technologies that help us understand user behavior and improve platform performance.

We use Google Analytics and similar tools to track website usage patterns, but we've configured these tools to anonymize IP addresses and respect user privacy preferences wherever possible.

How We Use Your Information

Your information serves specific purposes related to delivering cost management services and maintaining our business relationship with you.

• Provide cost analysis, budget optimization, and financial reporting services tailored to your business needs
• Create personalized dashboards and recommendations based on your financial data patterns
• Process payments, manage subscriptions, and handle billing-related communications
• Respond to support requests, troubleshoot technical issues, and provide customer service
• Send important account notifications, security alerts, and service updates
• Improve our platform features, develop new tools, and enhance user experience
• Comply with legal obligations, prevent fraud, and maintain platform security
• Conduct research and analysis to understand cost management trends in your industry

Marketing Communications

We may send you educational content about cost management, platform updates, and relevant business insights. You can opt out of marketing emails at any time using the unsubscribe link or by contacting us directly.

We don't sell your information to third parties for their marketing purposes. Any communication you receive from us relates directly to our services or contains information we believe benefits your cost management goals.

Information Sharing and Disclosure

We share your information in limited circumstances and always with appropriate safeguards to protect your privacy.

Service Providers and Partners

• Cloud hosting providers who store your data securely (Amazon Web Services, Microsoft Azure)
• Payment processors who handle billing and subscription management (Stripe, PayPal)
• Analytics services that help us understand platform usage and improve functionality
• Email service providers who deliver our communications and support responses
• Security services that protect against fraud, spam, and unauthorized access

Legal Requirements

We may disclose your information when required by Vietnamese law, court orders, or government requests. We'll notify you about such requests unless legally prohibited from doing so.

In cases involving potential fraud, security threats, or violations of our terms of service, we may share relevant information with law enforcement or other appropriate authorities.

Business Transfers

If InsightRatio is acquired, merges with another company, or undergoes significant business changes, your information may be transferred as part of that transaction. We'll provide notice and ensure continued privacy protection under the terms of this policy.

Data Security and Protection

We implement comprehensive security measures to protect your personal and financial information from unauthorized access, alteration, disclosure, or destruction.

Technical Safeguards

• SSL/TLS encryption for all data transmission between your device and our servers
• AES-256 encryption for sensitive data stored in our databases
• Multi-factor authentication options for enhanced account security
• Regular security audits and vulnerability assessments by third-party specialists
• Firewall protection and intrusion detection systems monitoring our infrastructure
• Automated backup systems with encrypted storage in geographically separate locations

Administrative Safeguards

Our team members receive regular privacy and security training. Access to personal information is limited to employees who need it for their job functions, and all access is logged and monitored.

We maintain incident response procedures to address any potential security breaches quickly and effectively. In the unlikely event of a breach affecting your data, we'll notify you within 72 hours and provide detailed information about what happened and what steps we're taking.

Physical Safeguards

Our servers are housed in certified data centers with 24/7 physical security, biometric access controls, and environmental monitoring systems.

Your Privacy Rights

You have several important rights regarding your personal information. We're committed to honoring these rights and making it easy for you to exercise them.

How to Exercise Your Rights

Contact us at help@insightratio.com with your request. Please include your full name, email address associated with your account, and a clear description of what you're requesting.

We'll verify your identity before processing requests and respond within 30 days. Some requests may take longer if they're complex or involve large amounts of data.

You also have the right to lodge a complaint with Vietnam's data protection authorities if you believe we've mishandled your personal information.

Data Retention Periods

We keep your information only as long as necessary to provide services and meet legal obligations. Different types of data have different retention periods based on their purpose and regulatory requirements.

When we delete your information, we remove it from active systems and ensure it cannot be recovered. Some information may persist in encrypted backups for up to 90 additional days before automatic deletion.

International Data Transfers

InsightRatio operates globally, and your information may be transferred to and processed in countries outside Vietnam, including the United States and European Union, where our service providers operate data centers.

When we transfer your data internationally, we ensure adequate protection through:

• Standard Contractual Clauses approved by relevant data protection authorities
• Adequacy decisions recognizing equivalent privacy protection in destination countries
• Certification schemes like Privacy Shield successor frameworks where available
• Binding Corporate Rules for transfers within our corporate group

All international transfers comply with Vietnamese cybersecurity law requirements and maintain the same level of protection as if your data remained in Vietnam.

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience, remember your preferences, and analyze how you use our platform.

Types of Cookies We Use

• Essential Cookies: Required for basic platform functionality, security, and login sessions
• Preference Cookies: Remember your settings, language choices, and customization options
• Analytics Cookies: Help us understand usage patterns and improve platform performance
• Marketing Cookies: Used to deliver relevant content and measure campaign effectiveness

You can control cookie settings through your browser preferences. Disabling certain cookies may limit some platform features, but essential functionality will remain available.

We also use local storage and session storage to save your preferences and maintain platform state during your visits.

Children's Privacy

InsightRatio's cost management services are designed for businesses and professional users. We don't knowingly collect personal information from children under 16 years of age.

If we become aware that we've collected information from a child under 16, we'll delete that information promptly. Parents or guardians who believe their child has provided us with personal information should contact us immediately.

Changes to This Privacy Policy

We update this privacy policy periodically to reflect changes in our practices, services, legal requirements, or other factors. When we make significant changes, we'll notify you through email or prominent notices in your account dashboard.

The "Last Updated" date at the top of this policy indicates when the most recent changes were made. We encourage you to review this policy regularly to stay informed about how we protect your information.

Continued use of our services after policy changes indicates your acceptance of the updated terms. If you disagree with changes, you may close your account or contact us to discuss your concerns.