Privacy Policy

Note (owner): this is a good-faith template, not final legal advice. Review it before public launch, and have a lawyer check it if you begin monetising the site (analytics or advertising). Operator identity and contact details (Impressum) are still pending and must be completed before launch.

This policy explains how Aussie Finance Tools (aussiefinancetools.com) handles information when you use the calculators and pages on this site. The site is operated by an individual based in Germany (EU); operator details will be published on the Impressum page.

The short version

Every calculator on this site runs 100% in your browser. The figures you type in (your salary, amounts, and similar inputs) are never sent to us or to any server, and we do not store them. There are currently no analytics and no advertising cookies on the site.

Your calculator inputs

Calculations happen locally on your device using JavaScript. We never receive the values you enter. The only exception is that some tools encode your inputs into the page URL so you can bookmark or share a link, if you choose to do that, those values live in the link you share, not on our servers. Simply closing the page discards your inputs.

Hosting and technical data

The site is a static website hosted on Cloudflare Pages. To serve and secure the site, Cloudflare may process limited technical data on our behalf, for example your IP address and standard request logs. This is a normal part of delivering any website and helps protect against abuse. Cloudflare acts as our hosting processor; you can read about their practices in Cloudflare's own privacy documentation.

Cookies

The calculators themselves set no cookies. Advertising cookies are set by Google AdSense, for EEA/UK visitors, only after consent (see Advertising below). We use no analytics cookies; visitor statistics, if any, come from cookieless Cloudflare Web Analytics.

Advertising

This site shows ads through Google AdSense to help cover its costs. Google and its partners may set and read cookies (and similar identifiers) to serve ads, cap how often you see them and, only with your consent, personalise them.

• For visitors in the EEA and UK, a Google-certified consent message appears and advertising cookies load only after you consent. You can decline, and change or withdraw your choice at any time via “Manage cookie choices” in the footer.
• Google's use of advertising cookies is described in Google's advertising policies .
• We use no analytics cookies. Visitor statistics, if any, come from Cloudflare Web Analytics, which is cookieless.

Your rights (EU GDPR)

Because the operator is based in the EU, the General Data Protection Regulation (GDPR) applies. We aim to practise data minimisation: we collect as little as possible, and by design the calculators collect nothing from you at all. For any future analytics or advertising, our lawful basis will be your consent, given through the cookie banner.

You have the right to:

• access the personal data we hold about you;
• request correction or erasure of that data;
• object to, or restrict, processing;
• withdraw consent at any time, without affecting past processing; and
• lodge a complaint with your local data protection authority.

Australian visitors (Privacy Act / APPs)

This site is aimed at an Australian audience, so we also keep the Australian Privacy Principles (APPs) in mind. We collect personal information only where necessary, are open about our practices through this policy, and let you access or correct any information we hold. As noted above, the calculators themselves do not collect personal information.

Exercising your rights

To make any of the requests above, or to ask a question about this policy, please use our Contact page. We will respond within a reasonable time.

Changes to this policy

We may update this policy as the site evolves, in particular before any analytics or advertising is switched on. When we do, we will change the "last updated" date at the top of this page.