Information We Collect

We collect different types of information depending on how you interact with our platform. Some data you provide directly, while other information is gathered automatically as you use our services.

Account Information

When you create an account with chainlinkorg, we ask for basic details that help us set up your budget monitoring dashboard. This includes your name, email address, and a password you choose. If you're using our services for business purposes, we might also collect your company name and business registration details.

Financial Data

Here's where things get specific to what we do. To help you monitor your budget effectively, we need access to certain financial information. You can choose to manually input transaction data, or—with your explicit permission—connect your bank accounts through secure APIs. We never store your banking passwords.

• Transaction histories and spending patterns
• Budget categories and allocation preferences
• Savings goals and financial targets
• Income sources and amounts
• Recurring payment information

Usage Information

Like most web services, we automatically collect certain technical data when you use our platform. This helps us understand how people interact with our features and where we can improve. We track which pages you visit, how long you spend on different sections, and which features you use most often.

We also gather device information—your IP address, browser type, operating system, and screen resolution. This isn't about surveillance; it's about making sure our platform works smoothly across different setups.

How We Use Your Information

Your data serves specific purposes, and we don't use it for anything beyond what's necessary to provide and improve our services.

We generate insights and recommendations based on your spending patterns. These analyses happen within our secure systems, and the results are only visible to you unless you explicitly choose to share them with someone else.

Data Sharing and Third Parties

We don't sell your information. Period. But we do work with certain service providers who help us operate our platform, and they may need access to some of your data to do their jobs.

Service Providers We Work With

Our infrastructure runs on cloud hosting services that store encrypted data. We use payment processors to handle subscription fees, though they never see your financial monitoring data—only the payment information you provide directly to them.

For users who connect bank accounts, we work with licensed financial data aggregators. These companies specialize in secure bank connections and are bound by strict financial regulations. They act as a secure bridge between your bank and our platform.

Legal Requirements

Sometimes we're legally required to share information. This might happen if we receive a valid court order, need to comply with South Korean financial regulations, or have to respond to lawful requests from authorities. When this happens, we review each request carefully and only provide the minimum information required.

Your Rights and Choices

You have meaningful control over your information. These aren't just theoretical rights—we've built tools to make them practical and easy to exercise.

Access and Portability

You can download a complete copy of your data at any time through your account settings. This includes all the financial information you've entered or connected, your budget categories, and historical analyses. The export comes in a standard format that you can use with other services if you decide to leave us.

Correction and Updates

Noticed something wrong in your data? You can edit most information directly through the platform. For changes that require verification—like updating your email address—we'll send you a confirmation link to make sure the request is legitimate.

Deletion Rights

Want to delete your account? You can do that from your settings page. We'll remove your personal information within 30 days, though we may need to retain certain records for legal compliance purposes. For example, South Korean tax regulations require us to keep transaction records for five years in some cases.

Marketing Communications

We occasionally send emails about new features or budget monitoring tips. Every message includes an unsubscribe link, and you can manage your communication preferences in your account settings. We'll still send you essential service-related emails even if you opt out of marketing messages.

Data Security Measures

Security is something we think about constantly. Your financial data is encrypted both when it's moving between your device and our servers, and when it's stored in our databases. We use industry-standard encryption protocols that banks rely on.

Technical Safeguards

Our systems are designed with multiple layers of protection. Access to your data is restricted based on job function—not everyone on our team can see everything. We monitor for unusual activity patterns that might indicate a security issue, and our infrastructure is regularly tested by independent security experts.

We use secure authentication methods, including two-factor authentication options for your account. Database backups are encrypted and stored separately from production systems.

Operational Security

Our employees receive regular security training, and anyone with access to user data has undergone background checks. We have strict policies about data handling, and we regularly audit our practices to make sure we're following them.

That said, no system is completely immune to security risks. If we ever experience a data breach that affects your information, we'll notify you promptly and explain what happened, what data was involved, and what steps we're taking to address the situation.

Data Retention

We keep your information for as long as you have an active account with us. After you delete your account, most of your data is removed within 30 days. Some information may be retained longer for specific reasons.

Retention Periods

• Active account data: retained while your account is open
• Financial transaction records: up to 5 years for tax compliance
• Support correspondence: 3 years after case closure
• Security logs: 2 years for fraud prevention
• Backup archives: 90 days, then permanently deleted

These timeframes are based on legal requirements in South Korea and practical considerations for providing continuous service. If you have questions about why we're keeping specific data, you can contact us for details about your particular situation.

Cookies and Tracking

Our website uses cookies—small text files stored on your device—to remember your preferences and keep you logged in. Some cookies are essential for the site to work, while others help us understand how people use our platform.

Types of Cookies We Use

Essential cookies handle things like authentication and security. Without these, you wouldn't be able to log into your account or navigate between pages securely. These cookies don't track you across other websites.

Analytics cookies help us understand usage patterns. For example, they tell us which features are most popular or where people tend to get confused. This information is aggregated and doesn't identify individual users.

You can control cookie settings through your browser, but blocking certain cookies might affect how well the platform works for you. Most browsers let you delete cookies or set preferences about which types you'll accept.

Children's Privacy

Our services are designed for adults managing their own finances. We don't knowingly collect information from anyone under 18 years old. If you're a parent and believe your child has created an account with us, please contact us so we can remove that information.

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 by email and display a notice on the platform. The "Last Updated" date at the top of this page shows when the most recent changes were made.

If you continue using our services after we've notified you about policy changes, we'll consider that as acceptance of the updated terms. If you disagree with the changes, you can delete your account before they take effect.

South Korea Specific Provisions

As a service operating in South Korea, we comply with the Personal Information Protection Act (PIPA) and relevant financial regulations. This means you have specific rights under Korean law, including the right to request details about how your information is being processed and the right to file complaints with the Personal Information Protection Commission.

Cross-Border Data Transfers

When we transfer personal information outside South Korea, we ensure that appropriate safeguards are in place as required by PIPA. You have the right to be informed about which countries your data may be transferred to and what protections apply in those jurisdictions.

Designated Representative

For matters related to personal information protection, you can contact our privacy team at the address provided below. We respond to inquiries within the timeframes required by Korean law—typically within 10 business days.