Privacy Policy

1. Information We Collect

We collect information in the following ways:

a) Information You Provide

When you use our calculators (salary, tax, home loan), the figures you enter (such as income amounts or loan values) are processed entirely within your browser. We do not collect, store, or transmit any financial data you enter into our calculators.

If you contact us via email, we will collect your name and email address solely to respond to your enquiry.

b) Automatically Collected Information

Like most websites, we automatically receive certain technical information when you visit, including:

• Your IP address (anonymised)
• Browser type and version
• Pages visited and time spent on each page
• Referring website (where you came from)
• Device type (mobile, desktop, tablet)

This information is collected through cookies and third-party analytics tools (see below) and is used only in aggregate form to improve our website.

2. Cookies

Our website uses cookies — small text files stored on your device — to improve your browsing experience and deliver relevant advertising. We use the following types of cookies:

You can control and delete cookies through your browser settings. Disabling cookies may affect the functionality of some features on this website.

3. Google Analytics

We use Google Analytics to understand how visitors interact with our website. Google Analytics collects anonymised data such as pages visited, session duration, and device type. This data helps us improve the site and its content.

Google Analytics data is processed by Google LLC in accordance with their Privacy Policy. You can opt out of Google Analytics tracking by installing the Google Analytics Opt-out Browser Add-on.

4. Google AdSense Advertising

This website displays advertisements served by Google AdSense, a service provided by Google LLC. Google AdSense uses cookies to serve ads based on your prior visits to this website and other sites across the internet.

Google's use of advertising cookies enables it and its partners to serve ads to you based on your visit to our site and/or other sites on the internet. You may opt out of personalised advertising by visiting Google Ads Settings or www.aboutads.info.

For more information on how Google uses data from sites that use their advertising services, visit: How Google uses data when you use our partners' sites or apps.

5. Third-Party Services

Our website uses the following third-party services, each with their own privacy policies:

• Google Analytics — Website analytics. Privacy Policy
• Google AdSense — Advertising platform. Privacy Policy
• Firebase Hosting — Website hosting by Google. Privacy Policy

6. How We Use Your Information

We use the information collected to:

• Operate and improve the website and its calculators
• Understand visitor behaviour and preferences
• Display relevant advertisements through Google AdSense
• Respond to enquiries submitted via contact email
• Maintain security and prevent misuse

We do not sell, rent, or trade your personal information to third parties for marketing purposes.

7. Data Retention

We do not store personal data on our servers beyond what is described in this policy. Analytics data retained by Google is governed by Google's data retention settings. Email enquiries are retained only as long as necessary to resolve your enquiry.

8. Your Rights

You have the right to:

• Access information we hold about you
• Request correction of inaccurate information
• Request deletion of your data (where applicable)
• Opt out of personalised advertising (see Section 4)
• Disable cookies through your browser settings

To exercise any of these rights, contact us at the email address below.

9. Children's Privacy

This website is not intended for children under 13 years of age. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us immediately.

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for legal, operational, or regulatory reasons. The "Last updated" date at the top of this page indicates when it was last revised. Continued use of the website after any changes constitutes acceptance of the updated policy.

11. Complaints

If you believe your privacy has been breached, you may first contact us directly using the details below. We will investigate and respond within a reasonable time (generally 30 days).

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

12. Contact Us

For any questions or concerns about this Privacy Policy or to request access to or correction of your personal information, please contact our Privacy Officer: