Privacy Policy
Your privacy matters to us. Here's how we protect and handle your personal information when you use lorientexis's financial comparison services.
About This Privacy Policy
This Privacy Policy explains how lorientexis Financial Services Pty Ltd (ABN 42 123 456 789) collects, uses, discloses and manages your personal information. We're committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles.
When you visit our website, use our comparison tools, or engage with our services, you're trusting us with your information. We don't take that lightly.
Quick Summary: We collect information to help you compare financial products and improve our services. We never sell your personal data to third parties, and you have control over how we use your information.
Information We Collect
We collect different types of information depending on how you interact with our platform. Here's what we gather and why:
Personal Details
Name, email address, phone number, and postal address when you create an account or request information about financial products.
Financial Information
Income details, employment status, and financial goals when you use our comparison calculators or apply for products through our platform.
Usage Data
How you navigate our website, which tools you use, and what products interest you. This helps us improve your experience.
Technical Information
IP address, browser type, device information, and cookies to ensure our website works properly and securely.
How We Collect Information
- Directly from you when filling out forms or contacting us
- Through cookies and tracking technologies on our website
- From third-party data providers for market research and product updates
- When you interact with our customer support team
- Through publicly available sources to verify information
How We Use Your Information
We use your personal information for several legitimate business purposes. Everything we do aims to provide you with better financial comparison services:
Service Delivery
To provide our comparison tools, generate personalized recommendations, and help you find suitable financial products.
Communication
To respond to your inquiries, send service updates, and provide information about products that might interest you.
Platform Improvement
To analyze usage patterns, identify popular features, and enhance our comparison algorithms and user experience.
Legal Compliance
To meet our regulatory obligations, prevent fraud, and maintain accurate records as required by Australian law.
Information Sharing and Disclosure
We're selective about who we share your information with. We never sell your personal data to marketing companies or unrelated third parties.
When We Share Information
- Financial Product Providers: When you express interest in a specific product, we share relevant details with that provider to process your inquiry
- Service Partners: With trusted companies that help us operate our platform, such as hosting providers and analytics services
- Legal Requirements: When required by law, court orders, or to protect our rights and those of our users
- Business Transactions: In the event of a merger, acquisition, or sale of our business
Important: All our partners are bound by strict confidentiality agreements and must handle your information in accordance with Australian privacy laws.
Your Privacy Rights
Under Australian privacy law, you have several important rights regarding your personal information. We make it easy for you to exercise these rights:
What You Can Do
To exercise any of these rights, simply contact our privacy team at help@lorientexis.com or call us at +61 7 4031 2983. We'll respond within 30 days and won't charge you for reasonable requests.
Data Security and Protection
We take data security seriously. Your information is protected through multiple layers of security measures designed to prevent unauthorized access, disclosure, or misuse.
Our Security Measures
- Encryption: All data transmission is encrypted using industry-standard SSL/TLS protocols
- Access Controls: Only authorized personnel can access your information on a need-to-know basis
- Regular Monitoring: We continuously monitor our systems for security threats and vulnerabilities
- Secure Storage: Data is stored in secure, Australian-based servers with restricted physical access
- Staff Training: All employees receive regular privacy and security training
- Third-Party Audits: We undergo regular security assessments by independent experts
While we implement strong security measures, no system is completely immune to risks. We encourage you to use strong passwords and keep your login details secure.
Data Retention
We only keep your personal information for as long as necessary to provide our services or meet legal requirements. Different types of information have different retention periods:
Account Information
Retained while your account is active, plus 7 years after closure for regulatory compliance.
Financial Applications
Kept for 7 years from the last interaction, as required by Australian financial services regulations.
Website Usage Data
Analytics data is anonymized after 26 months and may be retained indefinitely for research purposes.
Marketing Communications
Removed immediately upon unsubscribing, except for suppression lists to prevent re-addition.
Cookies and Tracking Technologies
Our website uses cookies and similar technologies to improve your experience and provide personalized services. Here's what you need to know:
Types of Cookies We Use
- Essential Cookies: Required for the website to function properly - you can't disable these
- Performance Cookies: Help us understand how visitors use our site to make improvements
- Functional Cookies: Remember your preferences and provide enhanced features
- Marketing Cookies: Used to deliver relevant advertisements and measure campaign effectiveness
You can control cookie settings through your browser, but disabling certain cookies may limit website functionality. Our cookie banner lets you choose which non-essential cookies to accept.
International Data Transfers
While we primarily store data in Australia, some of our service providers are located overseas. When we transfer your information internationally, we ensure adequate protection:
- All transfers comply with Australian privacy laws and international standards
- We use countries with adequate privacy protections or implement additional safeguards
- Service providers are contractually required to protect your information
- We regularly review and audit our international data handling practices
Current Locations: Some data processing occurs in the United States and Singapore through our technology partners, all operating under strict privacy agreements.
Changes to This Privacy Policy
We may update this Privacy Policy periodically to reflect changes in our practices, technology, or legal requirements. When we make significant changes, we'll notify you through:
- Email notification to registered users
- Prominent website notice for 30 days
- Updates to our social media channels and newsletter
We encourage you to review this policy regularly. The "Last Updated" date at the top indicates when changes were last made. Continued use of our services after changes constitutes acceptance of the updated policy.
Complaints and Disputes
If you believe we've mishandled your personal information or have concerns about our privacy practices, we want to hear from you:
Step 1: Contact Our Privacy Officer
Email: help@lorientexis.com
Phone: +61 7 4031 2983
Mail: Privacy Officer, lorientexis Financial Services, 2A Gilbert Street, Toowoomba QLD 4350
Step 2: Escalation Process
If you're not satisfied with our response within 30 days, you can escalate your complaint to:
- Office of the Australian Information Commissioner (OAIC)
- Australian Financial Complaints Authority (AFCA) for financial service matters
- Your state or territory privacy commissioner
We're committed to resolving privacy concerns promptly and fairly. Most issues can be resolved through direct communication with our team.
Privacy Contact Information
lorientexis Financial Services Pty Ltd
2A Gilbert Street, Toowoomba QLD 4350, Australia
Phone: +61 7 4031 2983
Email: help@lorientexis.com
Privacy Officer Hours: Monday to Friday, 9:00 AM to 5:00 PM AEST