Orbeva ("we", "us") helps you understand your own money. This policy explains what we collect, why, and the choices you have.
We connect to your banks in read-only mode. We never request, and cannot perform, money movement — no transfers, no trades, no payments.
Credit Lift uses your linked card balances and synced limits to estimate a paydown target. We do not pull your credit report, store a credit score, report to credit bureaus, provide credit repair, make lending or approval decisions, or guarantee any score change.
Solely to show you your own picture — net worth, cash flow, spending patterns, recurring charges, savings goals, Credit Lift saved targets/reminders, and a weekly summary — and to operate and improve the service. We do not sell your data or share it for advertising.
Operational Credit Lift metrics use aggregate counts and broad bands only; they do not include raw scores, balances, card names, masks, APRs, exact target amounts, or due dates.
We use Plaid Inc. to connect to your bank. When you link an account, Plaid collects and processes your financial data and handles your bank credentials directly — Orbeva never sees them — in accordance with the Plaid End User Privacy Policy. Orbeva's connection is read-only. By connecting a financial account through Orbeva, you consent to Plaid's collection and use of your information as described in the Plaid End User Privacy Policy.
The Orbeva assistant uses a language model from Anthropic to answer questions in the app. On the web, by default the model sees only the text of your question. Only if you turn on the AI data setting on the web (Connections → AI assistant · your data) do we also send a short summary of your finances (not your raw transactions); you can turn it off at any time. Anthropic processes this on our behalf, and your data is never used to train AI models — not by us, and not by Anthropic through our use of its service. The iPhone app works differently: Ask there runs on your iPhone using Apple's on-device model. What you type stays on the phone and is not sent to Anthropic or any other AI vendor. Only the merchant, date range, category or account filters it picks out of your question are sent to Orbeva's own ledger service to load your transactions.
The iPhone app sends crash and hang reports collected by Apple's MetricKit directly to our own server (no third-party analytics SDK). A report holds the app version, build, iOS version, device model, the kind of problem, the hour it arrived and the technical report. It is not linked to your account, email or device, and it is scanned for personal data before it is stored; a report that looks like it contains any is discarded and only its technical summary is kept. Reports are deleted after 90 days.
We send transactional email (sign-in links, invites) and, if enabled, your weekly brief, via our email provider, Resend (Resend, Inc.), which sends the message on our behalf, including the one-time code you use to confirm deleting your account. You can opt out of the weekly brief at any time.
If we ever become aware of a breach affecting your personal data, we will notify affected users without undue delay and consistent with applicable law, describing what happened and the steps we are taking. Report a suspected vulnerability to security@orbeva.ai.
Orbeva is decision-support and informational only. It is not investment, tax, or legal advice. Confirm important decisions with a qualified professional.
Questions or deletion requests: privacy@orbeva.ai.