Privacy Policy

What This Policy Covers

Please familiarise yourself with this Privacy Policy to understand:

• The types of information we collect and hold
• How and when we may collect personal information from you
• The purposes for which we collect, hold, use, and disclose your personal information
• What happens if we don't collect the information
• Circumstances where we may disclose information to overseas recipients and their locations
• How you can contact us to access or correct personal information we hold about you
• How to complain about a breach of the APPs and how we will handle such complaints

By using our web application and mobile app, you confirm that you have read and understood this Privacy Policy.

Personal Information

Personal information, as defined by the Privacy Act, means "information or an opinion about an identified individual, or an individual who is reasonably identifiable: (a) whether the information or opinion is true or not; and (b) whether the information or opinion is recorded in a material form or not."

Purpose of Collection

We only collect, hold, use, and disclose personal information for purposes which relate to our business, functions, and activities. Without your personal information, we may not be able to deliver or give you access to our products, or provide you with technical assistance or updates.

We collect, hold, use, and disclose personal information for purposes including:

• Registering or activating products and user accounts
• Verifying and authenticating your purchase and subscription status
• Providing access codes, login credentials, and related access details
• Processing invoices, payments, and subscriptions
• Handling refunds and warranty issues
• Providing technical support, assistance, and training
• Improving our products and services
• Ensuring you receive maximum benefit from our products
• Provision of services by our third-party partners

Information We Collect

Information collected from you directly would generally comprise:

• Name, date of birth, address, and contact details (phone, email)
• Company and business information
• Account credentials and login information
• Payment and billing information
• Details of the BGinvo products you use
• Information about your clients and invoices you create
• Usage data, including interactions with invoices, dashboards, and system features

We may also collect personal information of your clients and employees when you use our invoicing and expense tracking features. High-level information about your business, including industry or profession, may be collected to better understand your needs.

When We Collect Personal Information

We most commonly collect personal information directly from you when you:

• Create an account or register for our services
• Purchase, subscribe to, or use our products
• Input data into our web application or mobile app
• Contact our technical support or customer service
• Communicate with us via email, phone, or other channels
• Use our website, community forums, or social media
• Participate in surveys, competitions, or promotional activities
• Attend events, webinars, or training sessions

Sometimes we may collect information from third parties or publicly available sources, but only if you have consented to such collection or would reasonably expect us to collect information in this way.

How We Use Your Information

We use your personal information in accordance with the Privacy Act, including:

• Communicating with you about products you use, including upgrades, features, and issues
• Managing and administering your account and subscriptions
• Processing transactions, invoices, and payments
• Providing technical support and resolving issues
• Improving our products, services, and user experience
• Ensuring compliance with our terms of service and license agreements
• Sending promotional material about our products (with your consent)
• Aggregating and de-identifying data for analytics and service improvement

Direct Marketing

We will only use your personal information for direct marketing in compliance with the Privacy Act and the Spam Act 2003 (Cth). Without express consent, we will only use information in ways you would reasonably expect in relation to our business and products.

In all direct marketing communications, you will have the ability to opt out of receiving further marketing material. If you prefer not to receive promotional communications, please contact us at privacy@bginvo.com.

Disclosure of Information

We will only use personal information for the purpose for which it was given, or for directly related purposes. We disclose information only in circumstances permitted by the Privacy Act, such as when:

• You have consented to the disclosure
• You would reasonably expect, or have been made aware, that information is shared with certain parties
• It is required or authorised by law
• It is necessary to provide services you have requested

Disclosure to Overseas Recipients

In accordance with the Privacy Act, some personal information may be disclosed to third parties outside Australia. These parties may only use information for the identified purpose and must handle it in accordance with this Policy and the Privacy Act.

Your information may be stored or processed in secure data centres located in Australia, the United States, or other countries where our service providers operate. We ensure appropriate safeguards are in place for any overseas transfer.

Third-Party Service Providers

We engage third-party service providers to deliver services and may share information with them. These services may include:

• Payment processing (Stripe, Apple Pay, Google Pay)
• Cloud hosting and data storage
• Analytics and data analysis
• Email and communication services
• Technical support services
• Subscription management (RevenueCat)
• AI-powered receipt and document scanning (Anthropic)

We take reasonable steps to ensure third-party providers comply with the Privacy Act and handle your information consistently with this policy.

AI-Powered Receipt and Document Scanning

BGinvo offers an optional receipt and document scanning feature. When you choose to scan a receipt or document, the image or PDF you upload is securely transmitted to and processed by Anthropic, PBC (“Anthropic”), a United States–based artificial intelligence provider, using its Claude models. Anthropic automatically reads the document and extracts details such as the merchant name, date, line items, amounts, tax/GST, and currency so we can pre-fill your expense or invoice for you to review.

• This feature is optional — document contents are only sent to Anthropic when you actively choose to scan a receipt or document.
• The document and the extracted data are processed solely to return the extraction to you.
• Anthropic does not use data submitted through its API to train its models.
• Because Anthropic processes the data in the United States, using this feature involves an overseas disclosure of the information contained in the document you upload (see “Disclosure to Overseas Recipients” above).

If you prefer not to have a document processed by Anthropic, you can simply enter the details manually instead of using the scanning feature.

Website Usage and Cookies

You may browse our website without providing personal information. When you visit, we may collect:

• Cookies: Small files stored on your device to save preferences and improve your experience. You can decline cookies, but some features may not function properly.
• Navigational information: IP address, browser type, pages viewed, referral source, and geographic location. This helps us improve our website.

For more details, see our Cookie Policy. You may also review our Terms of Use.

Information Storage and Security

BGinvo is committed to taking all reasonable steps to protect information from misuse, interference, loss, and unauthorised access, modification, or disclosure.

• All employees, contractors, and agents are bound by confidentiality obligations
• We use electronic database systems with security features to protect data integrity
• Data is stored in secure data centres with appropriate access controls
• We use encryption technology for data transmission and storage

You are responsible for keeping your account credentials confidential and notifying us of any suspected unauthorised access.

Data Retention

As an invoicing platform, certain personal and financial information, including invoices, transactions, and account records, may be retained for up to 5 years to comply with Australian accounting and legal obligations.

After the retention period, personal data will be securely deleted or de-identified. Data provided for technical support is generally returned, destroyed, or de-identified once your issue is resolved.

You may request deletion of your account and associated data at any time, subject to legal retention requirements.

Access to Information and Your Rights

The Privacy Act provides you with the right to access and correct personal information we hold. You may:

• Request details of personal information we hold about you
• Request correction of any inaccurate information
• Export your personal data
• Opt out of marketing communications
• Request deletion of your account (subject to legal requirements)
• Lodge a complaint about a breach of Privacy Principles

We have internal procedures to handle such requests and may require verification of your identity. We will generally provide access or make corrections where reasonable and practicable in accordance with the Privacy Act.

Complaints

If you believe we have breached the Australian Privacy Principles or handled your personal information inappropriately, please contact us. We will investigate your complaint and respond within a reasonable timeframe.

If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.

Changes to This Policy

From time to time, this policy may be amended. An up-to-date version will always appear on this page. If we make material changes, we will notify you by posting a notice on our website or by email. We encourage you to periodically review this page for the latest information.

Contact Us

If you have any questions about this Privacy Policy, wish to access or correct your personal information, or make a complaint, please contact us: