Privacy Policy

Your privacy matters to us. Here's how we protect and handle your personal information.

Last Updated: March 15, 2025
Effective Date: March 15, 2025

Information We Collect

We collect information you provide directly to us when you use our personal budgeting services. This helps us deliver better financial tools and support your budgeting goals.

Personal Information: Name, email address, phone number when you create an account or contact us
Financial Data: Budget categories, income ranges, spending patterns, and financial goals you choose to track
Usage Information: How you interact with our budgeting tools, features you use most, and time spent in the application
Device Information: Browser type, operating system, IP address, and device identifiers for security purposes
Important: We never access your actual bank account details or transaction data without your explicit consent. Our budgeting tools work with the information you manually input or choose to sync.

How We Use Your Information

Your information helps us provide personalized budgeting experiences and improve our services. We're committed to using your data responsibly and transparently.

Purpose Data Used Legal Basis
Provide budgeting services Personal and financial data Contract performance
Send important updates Contact information Legitimate interest
Improve our platform Usage and device data Legitimate interest
Fraud prevention All collected data Legal obligation

Data Sharing and Third Parties

We limit data sharing to essential service providers and never sell your personal information. Transparency about who has access to your data is crucial for maintaining trust.

We Share Data With:

Cloud Storage Providers: Secure hosting of your encrypted budgeting data

Analytics Services: Anonymous usage statistics to improve user experience

Customer Support Tools: When you contact us for help with your account

Legal Requirements: When required by Korean law or court orders

All third-party partners sign strict data protection agreements and are regularly audited for compliance. We conduct annual reviews of all data-sharing relationships to ensure they meet our privacy standards.

Your Rights and Choices

Under Korean Personal Information Protection Act (PIPA) and international privacy standards, you have several rights regarding your personal data. We've designed simple processes to help you exercise these rights.

Access Your Data

Request a complete copy of all personal information we have about you, delivered within 30 days.

Correct Information

Update or fix any incorrect personal details in your account settings or by contacting support.

Delete Your Account

Permanently remove your account and associated data, with a 30-day grace period for recovery.

Data Portability

Export your budgeting data in common formats to use with other financial tools.

How to Exercise Rights: Email us at support@cleverpulsestream.com with your request and account verification details. Most requests are processed within 15 business days, with complex requests taking up to 30 days.

Data Security and Protection

Protecting your financial information requires multiple layers of security. We use industry-standard practices and regularly update our security measures based on emerging threats.

Encryption: All data is encrypted in transit using TLS 1.3 and at rest using AES-256 encryption
Access Controls: Multi-factor authentication required for all team members accessing user data
Regular Audits: Quarterly security assessments by independent third-party firms
Data Minimization: We only keep data necessary for providing services and delete old information automatically
Incident Response: 24-hour notification process for any potential data security issues

Our servers are located in certified data centers in South Korea that comply with ISO 27001 standards. We maintain detailed logs of all data access for security monitoring and compliance purposes.

Data Retention and Deletion

We keep your information only as long as necessary to provide services and meet legal obligations. Clear retention schedules help you understand how long different types of data are stored.

Data Type Retention Period Reason
Account Information Until account deletion + 30 days Service provision
Budget Data 3 years from last login User convenience
Support Communications 2 years from last contact Quality assurance
Usage Logs 1 year Security monitoring

When data reaches its retention limit, it's permanently deleted from all systems, including backups. You can request earlier deletion of your data at any time through your account settings.

International Data Transfers

While our primary servers are in South Korea, some service providers may process data internationally. We ensure adequate protection standards for any cross-border data transfers.

Transfer Safeguards

All international transfers use Standard Contractual Clauses approved by Korean privacy authorities. Partners must demonstrate equivalent privacy protections to Korean PIPA standards.

You have the right to object to international transfers of your data. Contact us if you prefer your information to remain exclusively within South Korea - we can accommodate this request for most services.

Children's Privacy

Our budgeting services are designed for adults aged 18 and older. We don't knowingly collect personal information from children under 14 years old as required by Korean law.

If we discover that a child has provided personal information, we immediately delete it and terminate any associated account. Parents who believe their child has shared information with us should contact our support team immediately.

Changes to This Policy

We update this privacy policy periodically to reflect changes in our practices or applicable laws. Material changes are communicated at least 30 days before taking effect.

We'll notify you of policy changes via email to your registered address and through prominent notices in our application. Continued use of our services after changes take effect indicates acceptance of the updated policy.

Previous versions of our privacy policy are archived and available upon request. This helps you understand how our privacy practices have evolved over time.

Privacy Questions or Concerns?

Contact our privacy team directly:

Email: support@cleverpulsestream.com

Phone: +82 63 223 6649

Address: 57 Naechuoksu-gil, Cheongwon-gu
Cheongju-si, Chungcheongbuk-do, South Korea

We typically respond to privacy inquiries within 3 business days and aim to resolve most concerns within 10 business days.