At GlowForceSmart, we collect information that helps us provide better financial budgeting services to our users in the Philippines. We're transparent about what we gather and why we need it.

We also collect financial data you choose to share, including income ranges, expense categories, and budgeting goals. This information stays encrypted and helps our platform provide personalized recommendations.

• Account registration details and contact information
• Financial preferences and budgeting categories you select
• Device information and browser type for security purposes
• Usage patterns to improve our platform's functionality
• Communication records when you contact our support team

We never collect sensitive banking passwords or account numbers. Our platform works with aggregated data and user-provided categories rather than direct bank connections.

Your information serves specific purposes that directly benefit your budgeting experience. We don't use your data for unrelated marketing or sell it to third parties.

The financial information you provide helps generate spending insights and budget recommendations tailored to common expense patterns in the Philippines. For example, if you indicate transportation costs, we might suggest budget categories relevant to Philippine commuting options.

• Creating and maintaining your personal budgeting dashboard
• Generating spending reports and financial insights
• Sending important account updates and security notifications
• Providing customer support when you need assistance
• Improving our platform based on user behavior patterns

We may send educational content about budgeting techniques, but you can opt out of these communications anytime through your account settings.

We implement multiple layers of security to protect your financial information. Our servers use industry-standard encryption, and we regularly update our security protocols.

All data transmission happens over encrypted connections (HTTPS), and we store your information on secure servers with restricted access. Our team follows strict protocols when handling any user data.

• End-to-end encryption for all financial data transmission
• Regular security assessments and vulnerability testing
• Limited employee access on a need-to-know basis
• Automatic logout after periods of inactivity
• Secure backup systems with encryption at rest

If we detect any suspicious activity on your account, we'll immediately notify you via your registered email address and temporarily secure your account until we can verify your identity.

Under Philippine data privacy laws and our commitment to transparency, you have several rights regarding your personal information. You can exercise these rights through your account settings or by contacting us directly.

• View and download all data we have about you
• Correct any incorrect information in your profile
• Delete your account and associated data permanently
• Opt out of non-essential communications and notifications
• Request a copy of your data in a portable format

When you request account deletion, we remove your personal information within 30 days, though we may retain anonymized usage statistics to improve our service. Some information might be kept longer if required by Philippine financial regulations.

You can modify your privacy preferences anytime through the account settings page. Changes take effect immediately for future data processing.

We don't sell your personal information to advertisers or marketing companies. Any data sharing happens only for essential platform operations and always with your knowledge.

We work with trusted service providers who help us maintain our platform, such as cloud hosting services and email delivery systems. These partners can only use your data for the specific services they provide to us.

• Cloud infrastructure providers for secure data storage
• Email services for sending account notifications
• Analytics tools using anonymized data only
• Legal authorities when required by Philippine law
• Professional advisors under confidentiality agreements

Before sharing data with any new service provider, we ensure they meet our privacy standards and sign agreements protecting your information. We regularly review these partnerships to maintain security.

We keep your information only as long as needed to provide our services and meet legal requirements. Most personal data gets deleted when you close your account, while some anonymized insights might be retained longer.

This privacy policy may change as we add new features or update our practices. We'll notify you of significant changes via email and post updates on our website with clear effective dates.

When we update this policy, you'll receive an email explaining the changes in plain language. Continued use of our platform after the effective date means you accept the updated terms.

For questions about data retention or to request early deletion of specific information, contact our privacy team using the information below.