Personal Information

• Name, email address, and phone number when you create an account
• Demographic information including age range and location
• Financial goals and budget preferences you share with us
• Communication preferences and subscription settings
• Profile information and account customization choices

Financial Data

Your actual bank account details, passwords, or sensitive financial credentials are never stored on our systems. We use aggregated, anonymized data to improve our budget strategies while keeping your personal financial information completely secure.

Usage and Technical Data

Service Delivery

We use your personal and financial information to create customized budget recommendations, track your progress toward financial goals, and provide relevant educational content about budget management strategies.

• Generate personalized budget adjustment recommendations
• Send progress updates and achievement notifications
• Provide customer support and technical assistance
• Deliver educational content tailored to your interests

Communication and Marketing

Our communications include service updates, educational newsletters about budget strategies, and information about new features that might benefit your financial planning. All marketing emails comply with South Korean anti-spam regulations and include clear unsubscribe options.

Legal and Security Purposes

We may use your information to comply with legal obligations under South Korean financial services regulations, protect against fraud, and ensure the security of our platform. This includes monitoring for suspicious activity and maintaining audit trails as required by local law.

Service Providers

We work with carefully selected third-party service providers who help us deliver our budget adjustment services. These partners are bound by strict confidentiality agreements and can only use your data for authorized purposes.

• Cloud storage providers for secure data hosting
• Email service providers for communications
• Analytics providers for service improvement
• Customer support platforms for assistance

Legal Requirements

This includes cooperation with financial authorities, tax agencies, and law enforcement when legally mandated. We will notify you of such requests unless prohibited by law, and we challenge overly broad requests to protect your privacy rights.

Business Transfers

If Point-mark is acquired or merges with another company, your information may be transferred as part of that transaction. We will notify you via email and prominent website notice before any such transfer occurs, giving you options for managing your data.

Access and Portability

You can access all your personal information through your account settings. If you need a comprehensive data export, we'll provide your information in a structured, commonly used format within 30 days of your request.

• View all personal information we have about you
• Download your data in portable formats
• Request detailed reports about data usage
• Access communication history and preferences

Correction and Deletion

We'll process deletion requests within 30 days, though some information may be retained longer to comply with financial regulations. We'll clearly explain what data must be retained and for how long.

Marketing and Communication Control

You have complete control over marketing communications. Change your preferences anytime through account settings, email unsubscribe links, or by contacting our support team. Changes take effect within 48 hours.

Filing Complaints

If you believe your privacy rights have been violated, you can file a complaint with the Personal Information Protection Commission of South Korea. We encourage you to contact us first so we can address your concerns directly.

Technical Safeguards

Your data is protected through multiple layers of security, including encryption both in transit and at rest, secure server infrastructure, and regular security audits by independent third parties.

• TLS 1.3 encryption for all data transmission
• AES-256 encryption for stored data
• Multi-factor authentication for account access
• Regular penetration testing and security assessments
• Automated threat detection and response systems

Access Controls

Our staff undergoes regular security training and follows strict protocols for handling personal information. Access to sensitive data is granted on a need-to-know basis and regularly reviewed.

Data Retention

We retain your information only as long as necessary to provide services or comply with legal requirements. Most personal data is deleted within 7 years of account closure, while some financial records may be retained longer as required by South Korean financial regulations.

International Transfers

Your data is primarily stored on servers located in South Korea. When we use international service providers, we ensure adequate protection through approved data transfer mechanisms and contractual safeguards that meet South Korean data protection standards.

Types of Cookies We Use

Managing Cookie Preferences

You can control cookies through your browser settings or our cookie preference center. Essential cookies cannot be disabled as they're necessary for basic site functionality, but you can opt out of all other cookie categories.

Third-Party Analytics

We use analytics services to understand how users interact with our website. These services may collect information about your visits to Point-mark and other websites. You can opt out of analytics tracking through browser settings or third-party opt-out tools.

Notification Process

When we make material changes to this policy, we'll notify you via email and display a prominent notice on our website at least 30 days before the changes take effect. For minor updates, we'll update the "Last Modified" date at the top of this page.

Version History

We maintain a history of privacy policy changes for transparency. Previous versions are available upon request, and we can explain how changes affect your personal information and privacy rights.

Regulatory Changes

As South Korean privacy laws evolve, we'll update our practices and policies to ensure continued compliance. These updates help protect your privacy rights and ensure our services meet current legal standards.