Privacy Policy
At ThinkFlowHub, we understand that your financial information is deeply personal. When you trust us with your budget tracking data, you're sharing details about your life, goals, and financial habits. We take this responsibility seriously and want you to understand exactly how we handle your information.
This privacy policy explains our practices in clear terms. We've organized it so you can quickly find what matters most to you. If something isn't clear, please reach out to us directly.
Account Information
When you create an account with ThinkFlowHub, we collect basic details to set up your profile and personalize your experience. This includes your name, email address, and password (which we encrypt and never store in plain text).
Financial Data
Our budget tracking system works because you share your financial information with us. We collect transaction data, spending categories, budget amounts, and financial goals you set within our platform. This data stays within your account and is used solely to provide budgeting insights and recommendations.
Usage Information
We track how you use our platform to improve your experience. This includes which features you use most, how long you spend in different sections, and what types of reports you generate. We also collect technical information like your device type, browser, and IP address.
Important: We never collect your actual bank login credentials. Our platform works through secure, read-only connections that only access transaction data you specifically authorize.
Core Platform Services
Your data powers the budget tracking features you rely on. We analyze your spending patterns to categorize transactions, identify trends, and suggest budget adjustments. We also use your information to generate the financial reports and insights that help you make better money decisions.
Communication
We use your contact information to send important account updates, security notifications, and service announcements. If you've opted in, we'll also send helpful tips and feature updates that might improve your budgeting experience.
Platform Improvement
We analyze aggregated, anonymized usage data to understand how people use ThinkFlowHub. This helps us identify which features are most valuable and where we should focus our development efforts. Your individual financial details are never part of this analysis.
| Data Type | Purpose | Retention Period |
|---|---|---|
| Account Information | User authentication and support | Until account deletion |
| Transaction Data | Budget tracking and analysis | 7 years or until deletion |
| Usage Analytics | Platform improvement | 2 years |
| Communication Preferences | Email and notification settings | Until account deletion |
Service Providers
We work with carefully selected companies to provide our services. This includes cloud hosting providers, payment processors, and customer support tools. These partners can only access the minimum data necessary to perform their specific functions, and they're bound by strict confidentiality agreements.
Financial Institution Connections
When you connect your bank accounts, we use secure third-party services that specialize in financial data aggregation. These services maintain read-only access and follow banking-level security standards. We never share your login credentials or store them on our servers.
Legal Requirements
We may disclose your information if required by law, court order, or government regulation. We'll always notify you unless legally prohibited from doing so. In our six years of operation, we've never received such a request.
We Never Sell Your Data: Your financial information is not a product. We don't sell, rent, or trade your personal data to advertisers, marketers, or data brokers. Our business model is based on subscription fees, not data monetization.
Access Your Data
Request a complete copy of all personal data we hold about you. We'll provide this in a readable format within 30 days.
Correct Information
Update or correct any inaccurate information in your account. Most changes can be made directly in your account settings.
Delete Your Account
Request complete deletion of your account and all associated data. This action is permanent and cannot be undone.
Data Portability
Export your data in a standard format to transfer to another service. We provide CSV and JSON export options.
Opt-Out Communications
Unsubscribe from marketing emails while maintaining important account and security notifications.
Restrict Processing
Limit how we use your data while keeping your account active. Useful if you're taking a break from budgeting.
How to Exercise Your Rights
Contact our privacy team at privacy@thinkflowhub.com with your request. Include your account email and specify which right you'd like to exercise. We verify your identity before processing any requests to protect your information.
Most requests are completed within 30 days. For complex requests involving large amounts of data, we may need up to 90 days and will keep you updated on our progress.
Data Protection
We protect your financial data using industry-standard security measures. All data is encrypted both in transit and at rest using AES-256 encryption. Our servers are hosted in secure data centers with 24/7 monitoring and restricted physical access.
Access Controls
Only essential team members have access to user data, and only when necessary for support or technical issues. All access is logged and monitored. Our employees undergo security training and sign confidentiality agreements.
Regular Security Audits
We conduct quarterly security reviews and annual third-party audits. Our systems are regularly updated with the latest security patches, and we monitor for potential vulnerabilities continuously.
- Multi-factor authentication for all administrative accounts
- Regular automated backups stored in geographically separate locations
- Network intrusion detection and prevention systems
- Regular penetration testing by external security firms
- Incident response procedures with 24-hour notification protocols
ThinkFlowHub operates from South Korea, and your data is primarily stored on servers located in Seoul. When we work with international service providers, we ensure they provide adequate data protection through approved transfer mechanisms.
If you're using our services from outside South Korea, your data may be transferred to and processed in South Korea. We maintain the same high privacy standards regardless of where your data is processed.
Cross-Border Compliance
We comply with international privacy frameworks including GDPR for European users and similar regulations in other jurisdictions. Our privacy practices meet or exceed the requirements in most countries where we operate.
ThinkFlowHub is designed for adults managing their personal finances. We don't knowingly collect information from children under 16. If we discover that we've collected information from a child, we'll delete it immediately.
Parents who believe their child has created an account should contact us immediately so we can remove the account and any associated data.
We update this privacy policy occasionally to reflect changes in our services or legal requirements. When we make significant changes, we'll notify you by email and prominently display the updates on our platform.
We'll never reduce your privacy rights without your explicit consent. If we add new ways of using your data, we'll ask for your permission first.
You can find previous versions of our privacy policy in your account settings under "Legal Documents" to review what has changed over time.
Contact Our Privacy Team
Questions about your privacy or this policy? We're here to help.
Email: privacy@thinkflowhub.com
Address: 580-1 Suyu-dong, Gangbuk-gu, Seoul, South Korea
Phone: +82-2-333-9901
Our privacy team typically responds within 24 hours during business days.