Privacy Policy
Understanding how we collect, use, and protect your personal information when you use orbicelivora's financial technology tools
Last Updated: January 2025. This policy complies with the Australian Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). We review our privacy practices regularly to reflect changes in our services and legal requirements.
Who We Are
orbicelivora operates financial technology tools designed to help Australians manage their finances more effectively. Our registered office is located at PO Box 5183 Wagga Wagga NSW 2650, Australia. When we refer to "we," "us," or "our" in this document, we're talking about orbicelivora and our team.
We're not a bank or financial institution. Instead, we provide software tools that connect to various financial services. This means we handle your data differently than traditional financial institutions might, though we maintain strict standards regardless.
Information We Collect
Account Information
When you create an account with us, we ask for basic details. Your name, email address, and phone number help us set up your account and contact you when needed. We also collect a password that you create, which we store in encrypted form.
Financial Data
Our tools work by connecting to your financial accounts. This might include bank accounts, credit cards, or investment accounts. We collect transaction histories, account balances, and related financial information. You decide which accounts to connect, and you can disconnect them whenever you want.
The financial data we receive typically includes transaction dates, amounts, merchant names, and account details. We don't receive your actual banking passwords. Instead, we use secure authentication methods approved by financial institutions.
Usage Information
Like most online services, we collect information about how you use our platform. This includes which features you access, how long you spend on different pages, and what actions you take. We track this through cookies and similar technologies.
We also log technical information. Your IP address, browser type, device information, and operating system help us troubleshoot problems and improve our service for different platforms.
Communications
When you contact our support team or send us messages, we keep records of those communications. This helps us resolve your issues and improve our service based on common questions or concerns.
How We Use Your Information
| Purpose | Description |
|---|---|
| Service Delivery | We use your financial data to provide the core functionality of our tools. This means calculating budgets, tracking spending, and generating insights about your financial habits. |
| Account Management | Your contact information helps us communicate with you about your account, including security alerts, service updates, and responses to your inquiries. |
| Product Improvement | Usage data shows us which features work well and which need improvement. We analyze patterns to make our tools more useful and intuitive. |
| Security | We monitor activity for unusual patterns that might indicate unauthorized access or fraud. This helps protect your account and our platform. |
| Legal Compliance | Australian law requires us to maintain certain records and report specific activities. We process data as needed to meet these obligations. |
We don't sell your personal information to third parties. We don't use your financial data for advertising purposes. Our business model centers on subscription fees, not data monetization.
Sharing Your Information
Service Providers
We work with other companies to run our business. Cloud hosting providers store our data. Payment processors handle subscription payments. Customer support tools help us respond to your questions. These partners can access your information only to perform specific tasks on our behalf, and they're contractually required to protect it.
Financial Institutions
To connect your accounts, we communicate with your banks and other financial institutions. We send authentication requests and receive transaction data. These exchanges happen through secure, industry-standard protocols.
Legal Requirements
Australian law might require us to disclose information in certain situations. This could include court orders, regulatory investigations, or suspected illegal activity. We comply with valid legal requests while challenging those we believe are overly broad or inappropriate.
Important: We will never share your personal financial data with marketing companies, data brokers, or similar third parties. If we're ever required to disclose your information for legal reasons, we'll notify you unless prohibited by law from doing so.
Data Security
Financial information requires serious protection. We use bank-level encryption to secure data both when it's being transmitted and when it's stored on our servers. Your password is hashed using industry-standard algorithms, which means even we can't see it.
Our systems sit behind firewalls and intrusion detection systems. We limit employee access to personal data based on job requirements. Regular security audits help us identify and address vulnerabilities before they become problems.
We also support two-factor authentication for your account. This adds an extra layer of security beyond just your password. While we can't make absolute guarantees about security, we maintain standards comparable to major financial institutions.
What You Can Do
- Choose a strong, unique password for your orbicelivora account
- Enable two-factor authentication in your account settings
- Keep your contact information current so we can reach you about security issues
- Log out when using shared or public computers
- Review your connected accounts regularly and disconnect any you no longer use
- Contact us immediately if you notice suspicious activity
Your Rights and Choices
Access Your Data
You can request a copy of the personal information we hold about you. Most of this is already visible in your account dashboard, but we can provide a comprehensive export if needed. We'll respond to access requests within 30 days.
Correct Inaccuracies
Found an error in your information? You can update most details directly in your account settings. For corrections we need to make on our end, contact our support team at info@orbicelivora.com.
Delete Your Information
You can delete your account through your account settings. This removes your personal information from our active systems. We retain some data for legal and accounting purposes, typically for seven years as required by Australian law, but this archived data is not accessible for operational purposes.
Deleting your account also disconnects all linked financial accounts and stops all data collection. This action is permanent and cannot be undone.
Object to Processing
If you believe we're processing your data inappropriately, you can object. While we need certain data to provide our services, we'll work with you to address concerns where possible.
Marketing Communications
We occasionally send emails about new features or service updates. You can unsubscribe from these messages using the link in any email or by adjusting your communication preferences in your account settings. Note that we'll still send essential account-related messages regardless of your preferences.
Data Retention
We keep your information for as long as your account remains active. Transaction data is retained to provide historical analysis and trend tracking, which are core features of our service.
After you close your account, we delete most personal information within 90 days. Some data must be retained longer due to Australian financial regulations, tax laws, and fraud prevention requirements. This includes transaction records and account history, which we keep for seven years in secure archives.
Anonymized usage statistics might be retained indefinitely for product development and research purposes. This data cannot be traced back to individual users.
Cookies and Tracking
Our website uses cookies to function properly. Essential cookies remember your login status and preferences. Without these, you'd need to log in repeatedly and reset your preferences every visit.
We also use analytics cookies to understand how people use our service. These help us identify confusing interfaces or unused features. You can disable non-essential cookies through your browser settings, though this might affect some functionality.
We don't use advertising cookies or sell cookie data to third parties. The cookies we set are for our use only.
International Data Transfers
Your data is primarily stored on servers located in Australia. However, some of our service providers operate internationally, which means your information might be processed in other countries. This could include the United States or Singapore, where our cloud infrastructure partners have data centers.
When data leaves Australia, we ensure appropriate safeguards are in place. This includes contractual protections and compliance with Australian Privacy Principles regarding overseas disclosure.
Children's Privacy
Our services are designed for adults managing their personal finances. We don't knowingly collect information from anyone under 18 years old. If you're a parent and believe your child has provided us with personal information, contact us immediately and we'll delete it.
Changes to This Policy
We update this policy occasionally to reflect new features, legal requirements, or changes in how we handle data. When we make significant changes, we'll notify you by email and through a notice in your account dashboard.
Continued use of our services after changes take effect means you accept the updated policy. If you disagree with changes, you can close your account before they take effect.
Australian Privacy Principles Compliance
We comply with the 13 Australian Privacy Principles outlined in the Privacy Act 1988. This includes being open about how we manage personal information, giving you access to your data, and taking reasonable steps to ensure information quality.
If you have concerns about our privacy practices, you can complain to us first. We'll investigate and respond within 30 days. If you're not satisfied with our response, you can escalate to the Office of the Australian Information Commissioner (OAIC).