Information We Collect

Account Information

When you register for neo-streammark services, we collect basic details like your name, email address, phone number, and billing information. This helps us create your account, communicate with you about our services, and process payments securely.

Financial Data

Our budgeting platform works with financial data you provide. This includes income sources, expense categories, transaction records, and budget goals. We only collect what you choose to input into our system. Your financial information remains yours—we store it securely and never sell it to third parties.

Usage Information

We track how you interact with our platform to improve your experience. This includes features you use most, pages you visit, time spent on different sections, and technical data like your IP address, browser type, and device information. This helps us fix bugs, add features people actually want, and make the platform more intuitive.

Educational Engagement

When you participate in our webinars or learning programs, we collect attendance records, course progress, quiz results, and feedback submissions. This allows us to track your learning journey and provide certificates when you complete programs.

How We Use Your Information

We don't use your information for purposes beyond what's necessary to run our service effectively. And we definitely don't show you ads based on your financial situation or sell your data to marketers.

Data Storage and Security

Your data is stored on secure servers located in the Philippines and encrypted both in transit and at rest. We use industry-standard security measures including SSL/TLS encryption, regular security audits, and access controls that limit who can view your information internally.

Financial data you enter is encrypted using AES-256 encryption. Access to your account requires authentication, and we support two-factor authentication for additional protection. Our staff can only access user data when necessary for support requests or technical maintenance.

Sharing Your Information

We share your information only in specific circumstances:

• Payment Processors: We work with secure payment providers to handle billing. They receive only the information needed to process your payments.
• Service Providers: Third-party tools that help us deliver our service (like email platforms or hosting services) may access certain data under strict confidentiality agreements.
• Legal Requirements: We may disclose information if required by Philippine law, court orders, or government requests.
• Business Transfers: If neo-streammark merges with or is acquired by another company, your data would transfer as part of that transaction. You'd be notified beforehand.

We never sell your personal information to advertisers or data brokers. Period.

Your Rights Under Philippine Law

The Data Privacy Act of 2012 grants you several rights regarding your personal information:

• Right to Access: You can request a copy of all personal data we hold about you. We'll provide this within thirty days of your request.
• Right to Correction: If your information is inaccurate or incomplete, you can update it directly in your account settings or contact us for assistance.
• Right to Erasure: You can request deletion of your account and associated data. Note that we may retain certain records for legal compliance purposes.
• Right to Object: You can opt out of marketing communications or object to certain data processing activities.
• Right to Data Portability: You can request your data in a structured, commonly used format to transfer to another service.
• Right to Lodge a Complaint: You can file a complaint with the National Privacy Commission if you believe we've mishandled your data.

Data Retention

We keep your information for as long as your account remains active. When you close your account, we'll delete most of your data within ninety days. Some information may be retained longer for specific reasons:

• Transaction records: Retained for seven years to comply with tax and financial regulations
• Support tickets: Kept for three years to maintain service quality records
• Security logs: Maintained for one year to protect against fraud and abuse
• Anonymized analytics: May be retained indefinitely as it can't identify you personally

If you stop using your account but don't close it, we'll send you a reminder after twelve months of inactivity asking if you want to keep it open.

Cookies and Tracking

Our website uses cookies—small text files stored on your device—to remember your preferences and analyze site usage. We use both session cookies (which expire when you close your browser) and persistent cookies (which stay on your device longer).

Types of Cookies We Use

• Essential Cookies: Required for the platform to function properly, like keeping you logged in
• Analytics Cookies: Help us understand how people use the site so we can improve it
• Preference Cookies: Remember your settings and choices for a better experience

You can control cookies through your browser settings. Keep in mind that blocking certain cookies may affect how the platform works.

International Data Transfers

While our primary servers are in the Philippines, some of our service providers operate internationally. When your data is transferred outside the Philippines, we ensure appropriate safeguards are in place through contractual agreements that require recipients to protect your information according to Philippine data protection standards.

Any international transfers comply with the requirements set by the National Privacy Commission, including adequacy assessments and necessary authorization procedures.

Children's Privacy

Our services are designed for adults managing their finances. We don't knowingly collect personal information from anyone under eighteen years old. If you're a parent or guardian and believe your child has provided us with personal information, please contact us so we can delete it.

Changes to This Policy

We update this privacy policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you via email or through a prominent notice on our platform at least thirty days before the changes take effect.

The "Last Updated" date at the top shows when we last revised this policy. We encourage you to review it periodically, especially before sharing sensitive information with us.

Third-Party Services

Our platform may contain links to external websites or integrate with third-party services. This privacy policy doesn't cover those external sites. We recommend reviewing their privacy policies before sharing your information with them.

When you use third-party integrations through our platform, those services may collect data according to their own policies. We're not responsible for how external services handle your information.