This Privacy Policy explains how AU Finance Tools ("we", "us", "our") handles personal information in connection with this website and the calculators and content we provide. We are committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
1. Information we collect
The calculators on this site run entirely in your browser. Inputs such as salary, tax or loan figures are not transmitted to or stored on our servers. Some preferences (for example your theme selection or dismissed onboarding hints) may be stored locally in your browser using localStorage.
We may automatically collect limited technical information when you visit the site, including:
- Device and browser type, screen size and operating system
- Approximate location (derived from IP address, e.g. country / state)
- Pages viewed, referring URL, and time spent on pages
- Cookies and similar identifiers set by analytics and advertising services
2. How we use information
- To operate, maintain and improve the website and its calculators
- To measure aggregate usage and understand which content is helpful
- To display relevant advertising and measure ad performance
- To detect, prevent and respond to fraud, abuse or technical issues
- To comply with our legal obligations
3. Cookies, analytics and advertising
We use Google Analytics to understand aggregate visitor behaviour, and Google AdSense to display advertisements. These services use cookies and similar technologies to collect information about your use of this and other websites. Google may use this information to provide, personalise and measure ads.
You can learn more about how Google uses data at policies.google.com/technologies/partner-sites. You can opt out of personalised advertising via Google Ad Settings or Your Online Choices Australia. Most browsers also let you block or delete cookies through their settings.
4. Disclosure of personal information
We do not sell your personal information. We may share information with trusted service providers who help us operate the website (such as hosting, analytics and advertising providers, including Google LLC), and where required or permitted by law. Some of these providers may store or process data outside Australia, including in the United States. By using this site you consent to such overseas disclosure.
5. Data security and retention
We take reasonable steps to protect information from misuse, interference, loss, and unauthorised access, modification or disclosure. However, no method of transmission over the internet is completely secure. We retain personal information only for as long as necessary for the purposes described in this policy or as required by law.
6. Children's privacy
This website is not directed to children under 13, and we do not knowingly collect personal information from children.
7. Your rights
Under the Australian Privacy Principles you have the right to request access to, and correction of, any personal information we hold about you. To make a request, or to make a privacy complaint, please contact us using the details below. We will respond within a reasonable time. If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC).
8. Third-party links
This site may contain links to third-party websites. We are not responsible for the privacy practices or content of those websites. Please review their privacy policies before providing them with any personal information.
9. Changes to this policy
We may update this Privacy Policy from time to time. The "Last updated" date above reflects the most recent revision. Your continued use of the site after any changes constitutes acceptance of the updated policy.
10. Contact
For privacy questions or requests, please contact the site owner via the contact details published on this website.