Privacy Policy

Who We Are

ephorilvento operates as a financial technology platform based in Sydney, Australia. We provide tools and services that help individuals and businesses manage their finances more effectively. Our registered office is located at 1/106 Magowar Rd, Sydney NSW 2145, Australia.

When we refer to "we," "us," or "our" in this policy, we mean ephorilvento and its related entities. "You" refers to anyone who uses our services, visits our website, or interacts with our platform.

Information We Collect

Information You Provide Directly

When you sign up for our services or contact us, you share certain information with us. This typically includes:

• Your name, email address, and phone number
• Business information if you're registering as a company
• Financial account details needed to provide our services
• Payment information when you subscribe to paid features
• Communications you send us, including support requests and feedback

Information Collected Automatically

Like most online platforms, we collect certain information automatically when you use our services. This helps us understand how people use our platform and where we can improve. We gather:

• Device information like your IP address, browser type, and operating system
• Usage data showing which features you access and when
• Location information based on your IP address (city and region level, not precise location)
• Cookie data that helps maintain your session and preferences

Information From Third Parties

Sometimes we receive information about you from other sources. For instance, if you connect your bank account to our platform, your financial institution shares transaction data with us. We also work with identity verification services to confirm you are who you say you are, which is required under Australian financial regulations.

How We Use Your Information

We don't collect data just for the sake of it. Everything we gather serves a specific purpose related to providing and improving our services.

We don't sell your personal information to third parties. Never have, never will. That's not our business model, and frankly, we think it's a terrible practice.

Sharing Your Information

While we don't sell your data, there are specific situations where we share it with others. Here's the complete list:

Service Providers

We work with companies that help us operate our platform. Cloud hosting providers store our data. Payment processors handle transactions. Email services send you notifications. These partners only access the information needed to perform their specific function, and they're bound by strict confidentiality agreements.

Financial Institutions

When you connect your bank accounts or make payments through our platform, we share relevant information with your financial institutions. This is necessary for the service to work.

Legal Requirements

If we receive a valid legal request from law enforcement or a court order, we may need to disclose your information. We also might share data if we believe it's necessary to prevent fraud, protect our rights, or ensure someone's safety.

Business Transfers

If ephorilvento is acquired by another company or merges with one, your information would be transferred as part of that transaction. We'd notify you beforehand if this happens.

Your Rights and Choices

Australian privacy law gives you significant control over your personal information. You have the right to:

Access Your Data

You can request a copy of all personal information we hold about you. We'll provide this in a commonly used electronic format within 30 days of your request.

Correct Inaccurate Information

If something we have on file is wrong, let us know. You can update most information directly through your account settings. For anything else, contact our support team.

Delete Your Data

You can request deletion of your personal information. We'll comply unless we're required by law to retain certain records. Financial regulations often mandate specific retention periods for transaction data.

Restrict Processing

You can ask us to limit how we use your information in certain circumstances. For example, if you believe data we hold is inaccurate, you can request we stop using it until we verify its accuracy.

Object to Processing

You have the right to object to how we process your data in specific situations. If you object, we'll stop unless we have compelling legitimate grounds to continue.

Withdraw Consent

Where we process your information based on your consent, you can withdraw that consent at any time. This won't affect the lawfulness of processing that occurred before you withdrew consent.

Data Security

Protecting your information isn't just a legal requirement—it's fundamental to our operation. We employ multiple layers of security:

• All data transmitted between your device and our servers is encrypted using TLS 1.3
• We store sensitive information in encrypted databases with restricted access
• Our systems undergo regular security audits by independent third parties
• We monitor for suspicious activity 24/7 using automated detection systems
• Staff access to personal data is limited based on role requirements and logged for audit purposes
• We maintain incident response procedures and will notify you promptly if a data breach affects your information

That said, no system is completely impenetrable. We do everything reasonably possible to protect your data, but we can't guarantee absolute security. You should also take precautions—use strong passwords, don't share your login credentials, and be cautious about phishing attempts.

Data Retention

We don't keep your information longer than necessary. How long we retain data depends on why we collected it and our legal obligations.

When retention periods expire, we securely delete or anonymize the information. Anonymized data can't be linked back to you and may be retained indefinitely for statistical purposes.

Cookies and Tracking

Our website uses cookies—small text files stored on your device. Some are essential for the site to function. Others help us understand how you use the platform so we can improve it.

Types of Cookies We Use

Essential Cookies: These keep you logged in and remember your preferences during a session. You can't opt out of these because they're necessary for the service to work.

Analytics Cookies: These help us understand which features people use most and where they encounter problems. We use this information to improve the platform.

Security Cookies: These help us detect suspicious activity and protect your account from unauthorized access.

You can control cookie settings through your browser. Most browsers allow you to block cookies entirely, though this will affect how our platform functions. Your browser's help section will explain how to manage cookies.

International Data Transfers

We primarily store data on servers located in Australia. However, some of our service providers operate internationally, which means your information might be processed in other countries.

When we transfer data internationally, we ensure appropriate safeguards are in place. This includes using standard contractual clauses approved by privacy regulators and working only with providers that maintain adequate data protection standards.

If you're accessing our services from outside Australia, you're agreeing to have your information transferred to and processed in Australia, where our servers and central database are located.

Children's Privacy

Our services aren't designed for anyone under 18. We don't knowingly collect information from children. 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 changes in our practices or legal requirements. When we make significant changes, we'll notify you by email or through a prominent notice on our platform.

The "Last Updated" date at the top shows when we most recently revised the policy. We encourage you to review it periodically. Continued use of our services after changes take effect means you accept the updated policy.

Complaints and Disputes

If you have concerns about how we handle your personal information, please contact us first. We'll investigate and respond within 30 days.

If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC). They're the regulatory body that oversees privacy compliance in Australia. You can reach them at oaic.gov.au or by calling 1300 363 992.