Privacy Policy

2. Information We Collect

At this stage, we do not collect, store, or process any personal information from users through our own systems.

• We do not require user accounts or registration
• We do not store names, contact details, or identifying information
• Any values entered into tools or calculators are processed locally in your browser and are not transmitted to our servers

If our data-handling practices change in the future, we will update this policy before any such change takes effect.

3. Cookies and Third-Party Technologies

While we do not collect personal information directly, this website may use cookies or third-party cookies for purposes such as:

• basic site functionality
• performance measurement
• usage analytics
• improving user experience

Where required, users may be provided with options to manage consent or cookie preferences via a consent banner or settings tool.

4. Advertising

This website uses Google AdSense to display advertisements.

Advertising content and related data handling are managed in accordance with Google’s advertising and privacy policies. Users can learn more about how Google processes information for ads and cookies through Google’s published documentation and policies.

We do not control how third-party advertising providers handle data collected through their systems.

5. International Access to the Site

This site is operated from Australia. Users from other locations may access the site, but:

• the site is not specifically targeted to users outside Australia, and
• the operator does not accept responsibility for compliance with foreign privacy or data regulations

Users accessing the site do so at their own discretion and are responsible for understanding any local requirements that may apply to them.

6. Data Sharing

Because we do not collect personal information directly, we do not sell, trade, or disclose personal data.

Any information processed by third-party services (such as advertising or cookies) is handled in accordance with those parties’ own policies and terms.

7. Security

As we do not store user personal information, we do not retain user-specific data within our systems. If our practices change in the future, we will implement appropriate security and governance measures.

8. Updates to This Policy

We may update this Privacy Policy from time to time, particularly if we introduce new features, analytics tools, or functionality. Any significant updates will be reflected on this page with an updated “Last Updated” date.

9. Contact

If you have questions about this Privacy Policy, you can contact us at:

calculatemyrepayments@proton.me