Privacy Policy
Last Updated: March 15, 2025
Introduction and Scope
At Flareonlight, we understand that managing your personal finances requires trust. When you use our short-term budgeting platform, you share sensitive financial information with us. This privacy policy explains exactly how we collect, use, protect, and manage your data in accordance with Taiwan's Personal Data Protection Act and international privacy standards.
This policy applies to all users of flareonlight.com and our related services. We believe transparency builds trust, so we've written this policy in clear language rather than complex legal jargon. If you have questions about anything here, please reach out to us directly.
By using our platform, you acknowledge that you've read and understood how we handle your personal information. We're committed to earning and maintaining your trust through responsible data practices.
Information We Collect
Account and Profile Information
When you create an account with Flareonlight, we collect basic information needed to provide our budgeting services. This includes your name, email address, and chosen password. We also collect demographic information like age range and general location to better understand our user base.
Financial Information
Our platform helps you budget effectively, which means we process financial information you choose to share. This might include income amounts, spending categories, financial goals, and budget allocations. You control what financial data you input – we never automatically connect to your bank accounts without explicit permission.
We also collect information about how you use our budgeting tools. This helps us understand which features are most helpful and where we can improve the user experience.
How We Use Your Information
Primary Service Delivery
Your personal information powers the core functionality of our budgeting platform. We use your data to create personalized budget recommendations, track your financial progress, and provide insights tailored to your specific situation.
We analyze usage patterns to identify which budgeting strategies work best for different user types. This helps us refine our recommendations and develop new features that genuinely help people manage their short-term finances more effectively.
Platform Improvement and Development
Understanding how our users interact with different features helps us make better product decisions. We look at aggregated, anonymized data to see which tools are most valuable and where people encounter difficulties.
This information guides our development priorities. For example, if we notice users struggling with a particular budgeting category, we might create additional guidance or simplify that process.
Communication and Support
We use your contact information to respond to support requests, send important account updates, and occasionally share budgeting tips that might be relevant to your situation. You can control the frequency and type of communications you receive from us.
Your Rights and Control
Under Taiwan's Personal Data Protection Act, you have specific rights regarding your personal information. We've made it easy to exercise these rights through your account dashboard or by contacting our support team.
Access Your Data
You can download a complete copy of all personal information we have about you. This includes your profile data, financial information, and usage history.
Correct Information
Update or correct any personal information that's inaccurate. Most corrections can be made directly through your account settings.
Delete Your Account
Request complete deletion of your account and all associated data. We'll permanently remove your information within 30 days of verification.
Data Portability
Export your budgeting data in a standard format that you can use with other financial planning tools or platforms.
Restrict Processing
Temporarily limit how we use your information while maintaining your account access for essential budgeting functions.
Object to Processing
Opt out of certain uses of your data, particularly for marketing communications or product development research.
How to Exercise Your Rights
Most rights can be exercised directly through your account dashboard. For more complex requests or if you need assistance, contact our privacy team using the information provided at the end of this policy. We'll respond to all requests within 30 days and verify your identity before processing any data requests.
Data Security and Protection
Technical Safeguards
We implement multiple layers of security to protect your financial information. All data transmission uses industry-standard encryption, and we store information in secure, access-controlled databases.
Encryption
256-bit SSL encryption for all data transmission and AES-256 encryption for stored data
Access Controls
Multi-factor authentication for staff and role-based access to user information
Monitoring
24/7 security monitoring and automated threat detection systems
Regular Audits
Quarterly security assessments and annual third-party security audits
Data Breach Response
In the unlikely event of a data security incident, we'll notify affected users within 72 hours and provide clear information about what happened, what data was involved, and what steps we're taking to resolve the situation.
We maintain detailed incident response procedures and work with cybersecurity experts to minimize any potential impact on our users' information.
Data Retention and Deletion
Retention Periods
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 legal obligations.
Active Account Data
Personal and financial information is retained while your account remains active and for 90 days after account closure to allow for account recovery.
Support Communications
Customer service interactions and support requests are kept for 3 years to improve our service quality and resolve any ongoing issues.
Legal and Compliance
Some information may be retained longer when required by Taiwan financial regulations or for legitimate legal purposes, typically 7 years maximum.
Anonymized Analytics
Usage patterns and platform improvements insights are anonymized and may be retained indefinitely for product development purposes.
Secure Deletion Process
When we delete your data, we use secure deletion methods that make recovery impossible. This includes overwriting data multiple times and destroying any backup copies according to industry best practices.
Third-Party Relationships
Service Providers
We work with carefully vetted third-party service providers to deliver our platform. These include cloud hosting providers, payment processors, and analytics services. All third parties sign strict data processing agreements and are required to maintain the same privacy standards we do.
We never sell your personal information to third parties. Any data sharing with service providers is limited to what's necessary to provide our budgeting services to you.
Legal Requirements
In rare circumstances, we may need to disclose personal information to comply with legal obligations, such as court orders or regulatory investigations. We'll notify affected users whenever legally permitted and challenge any requests we believe are overly broad or inappropriate.
Business Transfers
If Flareonlight is acquired or merged with another company, your personal information would be transferred as part of that transaction. We would notify all users in advance and ensure the new entity commits to the same privacy protections outlined in this policy.
Taiwan-Specific Privacy Protections
As a company operating in Taiwan, we comply fully with the Personal Data Protection Act (PDPA) and related regulations. This includes specific protections for sensitive financial information and strict requirements for data processing consent.
Local Data Processing
Personal information collected from Taiwan users is primarily processed within Taiwan or in jurisdictions with equivalent privacy protections. When we transfer data internationally, we use approved transfer mechanisms and ensure appropriate safeguards are in place.
Regulatory Compliance
We regularly review our privacy practices with Taiwan legal counsel to ensure ongoing compliance with evolving regulations. We also maintain registration with relevant Taiwan data protection authorities as required.
Local Support
Taiwan users can contact our local privacy representative for questions about data protection rights or to file complaints about our privacy practices. Contact information is provided below.
Changes to This Policy
Policy Updates
We review and update this privacy policy annually or when we make significant changes to our data practices. We'll notify you of any material changes through email and prominent notices on our platform.
Minor updates, such as clarifications or contact information changes, may be made without individual notification. We always post the effective date of any policy changes at the top of this document.
Continued Use
Your continued use of our platform after policy changes take effect indicates acceptance of the updated terms. If you disagree with any changes, you can close your account and request data deletion at any time.
Contact Information
Questions about this privacy policy or our data practices? We're here to help. Our privacy team responds to all inquiries within 48 hours during business days.
For urgent privacy concerns or suspected security incidents, please call our privacy hotline directly. We take all privacy inquiries seriously and will work with you to address any concerns promptly and thoroughly.