Privacy Policy

Information We Collect

We collect information you provide directly to us when creating an account, using our services, or contacting our support team. This helps us deliver personalized budget analysis and performance tracking.

Personal Information

• Name and email address when you register
• Phone number if you choose to provide it
• Company information for business accounts
• Payment information processed through secure third-party providers
• Communications you send to our support team

Financial Data

To provide budget performance metrics, we collect:

• Budget categories and spending patterns you input
• Transaction data you choose to import or manually enter
• Financial goals and targets you set within the platform
• Performance benchmarks and comparison data

Technical Information

We automatically collect certain technical data to improve our services:

• IP address and device information
• Browser type and operating system
• Usage patterns within the SparklyLink platform
• Performance metrics and error reports

How We Use Your Information

Your information helps us provide accurate budget analysis and continuously improve our platform. We use your data for specific, legitimate business purposes only.

Service Delivery

• Generate budget performance reports and analytics
• Provide personalized spending insights and recommendations
• Process payments and manage your account
• Send service updates and important notifications
• Offer customer support and technical assistance

Platform Improvement

• Analyze usage patterns to enhance user experience
• Develop new features based on user behavior
• Improve security and prevent fraud
• Conduct research on budget management trends (using anonymized data)

Information Sharing and Disclosure

We share your information only in limited circumstances and always with appropriate safeguards in place. Your trust is important to us, and we maintain strict controls over who can access your data.

Recipient	Purpose	Data Shared	Safeguards
Service Providers	Payment processing, hosting, analytics	Minimal necessary data only	Contractual data protection agreements
Legal Authorities	Comply with legal obligations	Only as required by law	Court orders or legal process required
Business Partners	Integrated financial services	Aggregated, anonymized data	Strict privacy agreements

Third-Party Integrations

SparklyLink integrates with various financial institutions and service providers to offer comprehensive budget tracking. These integrations are:

• Governed by separate privacy agreements with each provider
• Limited to data necessary for the specific service
• Subject to your explicit consent before activation
• Revocable at any time through your account settings

Your Privacy Rights

Under South Korean privacy laws and international standards, you have specific rights regarding your personal data. We've built tools and processes to help you exercise these rights easily.

Data Security and Protection

We implement multiple layers of security to protect your financial information. Our security measures meet industry standards and are regularly updated to address emerging threats.

Technical Safeguards

• End-to-end encryption for all data transmission
• AES-256 encryption for data storage
• Multi-factor authentication for account access
• Regular security audits and penetration testing
• Automated monitoring for suspicious activity

Operational Security

• Limited employee access based on job requirements
• Background checks for staff handling sensitive data
• Secure development practices and code reviews
• Incident response procedures for potential breaches
• Regular backup and disaster recovery testing

Despite our best efforts, no system is completely secure. We encourage users to use strong passwords and enable two-factor authentication for additional protection.

Data Retention and Deletion

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

Data Type	Retention Period	Reason
Account Information	Duration of account + 1 year	Service provision and support
Budget Data	Duration of account + 2 years	Historical analysis and tax compliance
Payment Records	7 years after last transaction	Financial regulations and tax law
Usage Analytics	3 years from collection	Service improvement and development
Support Communications	3 years from resolution	Quality assurance and training

Automatic Deletion

Our systems automatically delete expired data according to the retention schedule above. You can also request immediate deletion of specific data types, subject to legal and contractual obligations.

International Data Transfers

SparklyLink operates primarily within South Korea, but some of our service providers are located internationally. When we transfer data outside South Korea, we ensure appropriate safeguards are in place.

Transfer Mechanisms

• Adequacy decisions by South Korean data protection authorities
• Standard contractual clauses for data protection
• Certification schemes ensuring equivalent protection
• Explicit consent for specific transfers when required

We maintain a current list of international service providers and their data protection measures. This information is available upon request through our support team.

Cookies and Tracking

We use cookies and similar technologies to enhance your experience on SparklyLink. These tools help us remember your preferences, analyze usage patterns, and provide personalized budget insights.

Types of Cookies

• Essential cookies: Required for basic platform functionality and security
• Preference cookies: Remember your settings and customizations
• Analytics cookies: Help us understand how users interact with our platform
• Marketing cookies: Enable relevant communications (with your consent)

You can control cookie settings through your browser preferences or our cookie management tool in your account dashboard. Disabling certain cookies may limit some platform features.

Changes to This Policy

We review and update this privacy policy regularly to reflect changes in our services, legal requirements, and industry best practices. When we make significant changes, we'll notify you through your account email and provide clear information about what's changed.

Minor updates, such as clarifications or corrections, may be made without advance notice. We encourage you to review this policy periodically to stay informed about how we protect your information.