Privacy Policy

Occubuy is a rewards platform that helps aspiring home buyers earn points (Occubuy Points) by tracking their rental payments. Our platform (Platform) allows you to consolidate financial data, monitor your credit score, and compare relevant financial products and services to support your journey towards home ownership. To deliver these features, we collect and process personal information in accordance with the Australian Privacy Principles under the Privacy Act 1988 (Cth).

Interpretation and Definitions

Definitions

• Account: A unique account created for you to access our Platform or Services.
  
  
• Affiliate: An entity that controls, is controlled by, or is under common control with us.
  
  
• Application: Refers to the Occubuy mobile app or web platform.
  
  
• Company: Refers to Occubuy Australia Pty Ltd.
  
  
• Country: Refers to Australia.
  
  
• Device: Any device that can access the Platform (e.g., computer, smartphone, tablet).
  
  
• Personal Data: Any information that identifies or can identify you.
  
  
• Service: Refers to the Platform and associated features and tools.
  
  
• Service Provider: Any third-party engaged to facilitate the Services.
  
  
• Usage Data: Data collected automatically, such as browsing activity or interactions with the Platform.
  
  
• You: A user of the Platform or any legal entity you represent.
  
  

The Information We Collect

We may collect the following types of Personal Data:

• Full name, mobile number, email address, location, photos, videos
  
  
• Employment, income and financial position (e.g., rental payments, liabilities)
  
  
• Credit score, superannuation details
  
  
• Rental and property data
  
  
• Government-issued ID, driver licence, passport (KYC)
  
  
• Device data, IP address, browser type, operating system
  
  
• Marketing preferences, feedback, usage data
  
  
• Bank and account information (via CDR-accredited partners like Yodlee)
  
  

Sensitive Information: This includes health information, criminal history, and other sensitive data as defined by law. We only collect this with your explicit consent.

How We Collect Personal Information

• Directly from you (account creation, communication, surveys)
  
  
• Indirectly from usage of our Platform
  
  
• Third Parties: Including Experian, Yodlee, Effi, Zai, FrankieOne, MongoDB, Jotform, Firebase, and analytics/advertising providers
  
  
• Public Sources: LinkedIn, ASIC, and similar
  
  

Usage Data

Collected automatically when using the Platform, including:

• IP address, browser type, visited pages, time stamps
  
  
• Device identifiers, geolocation, mobile OS details

We may also collect photos, camera or location data if you allow access through your Device settings.

Why We Collect and Use Your Information

We use your Personal Data to:

• Operate, maintain and personalise the Platform
  
  
• Monitor your rental payments and allocate Occubuy Points
  
  
• Contact you with updates, support, or promotional material
  
  
• Deliver and personalise third-party product offers
  
  
• Analyse trends and improve services
  
  
• Detect and prevent fraud and misuse
  
  
• Comply with legal and regulatory obligations (e.g. KYC, AML)
  
  

Disclosure of Personal Information

We may share your information with:

• Affiliates, contractors, employees
  
  
• Property Partners, mortgage brokers, service providers
  
  
• Advertising and analytics providers (e.g. Google Ads, Meta, Firebase, Klaviyo)
  
  
• Commission Factory and other referral networks
  
  
• Apple, Google, PokitPal for in-app payments or loyalty integration
  
  
• Authorities or legal bodies as required by law
  
  

We also work with Yodlee to access bank information using the CDR framework. Their privacy policy can be found at https://www.yodlee.com/au/legal/privacy-notice.

Marketing & Behavioural Remarketing

We may display targeted content and remarketing ads across third-party platforms using hashed identifiers, cookies, and analytics tools. Platforms include Google Ads, Meta (Facebook/Instagram), and News Corp.

You can opt out of behavioural tracking through:

• Network Advertising Initiative
  
  
• Your Online Choices
  
  
• Device settings (iOS or Android)
  
  

Payments

We use third-party processors for in-app purchases. Occubuy does not store payment card details. Processors include:

• Apple In-App Purchases (Privacy Policy)
  
  
• Google Play Billing (Privacy Policy)
  
  

Retention and Deletion of Personal Data

We retain your data only as long as necessary for the purposes outlined. Data may be retained longer where legally required or for business continuity. You may request deletion of your account and data via your profile settings or by contacting us directly.

Overseas Data Transfers

Your data may be processed outside of Australia, such as in India. We ensure all transfers comply with the Australian Privacy Principles and relevant safeguards are in place.

Children’s Privacy

Our Services are not intended for users under 13. We do not knowingly collect information from minors without verified parental consent. If discovered, such data will be deleted.

Cookies & Analytics

We use cookies and analytics tools such as:

• Google Analytics (Privacy)
  
  
• Firebase (Privacy)
  
  
• Meta Pixel (Privacy)
  
  

These help us measure performance, improve content, and retarget users.

Links to Other Sites

We may link to third-party sites or services not operated by us. We recommend reviewing their privacy policies. We are not responsible for their content or practices.

Your Rights and Choices

You may:

• Access, correct, or delete your personal information
  
  
• Withdraw consent or restrict processing
  
  
• Opt out of direct marketing
  
  

Requests can be submitted via your Account or by contacting us.

Data Security

We use industry-standard safeguards to protect your information, including encryption and access restrictions. However, no transmission over the internet is completely secure.

Changes to This Policy

We may update this Privacy Policy from time to time. You’ll be notified of material changes via email or app alerts. Check the “Last updated” date at the bottom of this document.

Contact Us

Occubuy Australia Pty Ltd (ABN 15 659 763 523)
Email: admin@occubuy.com.au

Last updated: 10 July 2025

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