Privacy Policy

Short version: the numbers you enter into our calculators stay in your browser. We collect only limited technical, analytics and advertising data, and the details you choose to send us by email. We do not sell your personal information.

1. Who we are and scope

This Privacy Policy explains how MAFHH INTERNATIONAL LTD (“we”, “us”, “our”), operator of aufinancecalculators.com, collects, holds, uses and discloses personal information. We handle personal information in line with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). Where an exemption might otherwise apply to us, we choose to follow the APPs as a matter of good practice.

MAFHH INTERNATIONAL LTD is a company registered in England and Wales. Because we are established in the UK, we also handle personal data in line with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018 (UK). If you are in the UK or EU, you have additional rights, including erasure, restriction, objection and data portability, and you may complain to the UK Information Commissioner’s Office (ico.org.uk).

“Personal information” has the meaning in the Privacy Act: information or an opinion about an identified individual, or an individual who is reasonably identifiable.

2. Calculator inputs are not collected

Our calculators run in your browser using JavaScript. Figures you enter, such as income, property price, loan amount, super balance or HECS-HELP debt, are processed on your device and are not transmitted to or stored on our servers. When you download a PDF report, it is generated on your device. When you use a “Share on WhatsApp” button, the text is passed to WhatsApp only when you choose to share it, and WhatsApp’s own privacy policy then applies.

Never enter a Tax File Number (TFN), bank account, card or Medicare number into any calculator. None of our tools ask for them.

3. What personal information we collect

Type	Examples	When
Contact details	Name and email address, and anything you include in your message	Only when you email us
Technical data	IP address, browser and device type, pages visited, referring page, date and time	Automatically in server and security logs
Analytics data	Pseudonymous identifiers, approximate location (city level), usage events	When you visit, through Google Analytics (see Cookie Policy)
Advertising data	Cookie and device identifiers used to show and measure ads	When ads are shown, through Google AdSense (see Cookie Policy)

We do not intentionally collect sensitive information (such as health information, racial or ethnic origin or political opinions). Please do not send it to us.

4. How we collect personal information

We collect personal information directly from you when you contact us, and automatically through cookies, server logs and similar technologies when you visit the site. We may receive aggregated reports from analytics and advertising providers. We do not buy personal information from data brokers.

5. Why we collect and use it

• to operate, secure and maintain the website and prevent abuse, spam and attacks;
• to reply to your enquiry, correction request or error report;
• to understand which calculators are used so we can improve them;
• to show advertising that funds the free calculators, and measure it;
• to meet our legal obligations.

We only use personal information for the purpose it was collected, a related purpose you would reasonably expect, or as otherwise permitted by the APPs.

6. Who we share it with

We do not sell personal information. We may disclose it to service providers who help us run the site, under obligations to protect it:

• website hosting, security and content delivery providers (for example Cloudflare);
• Google LLC, for Google Analytics 4 website analytics;
• Google LLC and its advertising partners, for Google AdSense display advertising;
• email providers we use to receive and reply to messages;
• professional advisers, or government and law enforcement bodies where required or authorised by law.

7. Overseas disclosure (APP 8)

Some of our service providers store or process data outside Australia, including in the United States, the European Union, the United Kingdom and Singapore, and MAFHH INTERNATIONAL LTD itself is based in the United Kingdom. Where we disclose personal information overseas we take reasonable steps to ensure the recipient handles it consistently with the APPs.

8. Cookies and advertising

We use cookies and similar technologies for essential site functions, analytics (Google Analytics 4) and advertising (Google AdSense). Third-party vendors, including Google, may use cookies to serve ads based on your prior visits to this and other websites. You can opt out of personalised advertising at Google Ads Settings. Full details and opt-out options are in our Cookie Policy.

9. How we store and protect it

We take reasonable steps to protect personal information from misuse, interference, loss and unauthorised access, modification or disclosure. These include HTTPS encryption, a web application firewall, access controls with multi-factor authentication for administrators, limited staff access and keeping software up to date. No method of transmission over the internet is completely secure.

10. How long we keep it

Emails are kept for up to 24 months after the matter is resolved. Server and security logs are kept for up to 90 days. Google Analytics data retention is set to 14 months, IP addresses are not stored by GA4, and Google signals is not used for ad personalisation of analytics data. When information is no longer needed, we take reasonable steps to destroy or de-identify it.

11. Accessing and correcting your information (APP 12 and 13)

You can ask for access to the personal information we hold about you, or ask us to correct it, by emailing [email protected]. We will respond within 30 days. We do not charge for a request. If we refuse, we will tell you why and how to complain.

11A. UK and EU visitors (UK GDPR)

The data controller is MAFHH INTERNATIONAL LTD, a company registered in England and Wales (company number 13215122). Contact: [email protected]. We rely on these lawful bases:

Processing	Lawful basis
Security and server logs, fraud and abuse prevention	Legitimate interests in keeping the site safe
Replying to your emails and requests	Legitimate interests, or steps you ask us to take
Analytics cookies (Google Analytics 4)	Consent, for visitors in the UK, EEA and Switzerland
Advertising cookies (Google AdSense)	Consent, for visitors in the UK, EEA and Switzerland
Meeting legal obligations	Legal obligation

You can withdraw consent at any time through the cookie settings link or your browser, without affecting earlier processing. You may ask for access, correction, erasure, restriction, portability or object to processing based on legitimate interests. We respond within one month. Where personal data is transferred outside the UK or EEA, we rely on adequacy regulations (including the UK-US Data Bridge where the recipient is certified) or the UK International Data Transfer Addendum and EU Standard Contractual Clauses. You can complain to the UK Information Commissioner’s Office at ico.org.uk.

12. Anonymity and pseudonymity

You can use every calculator anonymously. You may also contact us using a pseudonym, although we may need a valid email address to reply.

13. Direct marketing

We do not send marketing emails. If we introduce a newsletter, it will be opt-in only and every message will include an unsubscribe link, in line with the Spam Act 2003 (Cth).

14. Children

The site is intended for adults. We do not knowingly collect personal information from children under 16. If you believe a child has sent us personal information, contact us and we will delete it.

15. Data breaches

If a data breach is likely to result in serious harm, we will notify affected individuals and the Office of the Australian Information Commissioner (OAIC) in line with the Notifiable Data Breaches scheme.

16. Complaints

If you have a privacy concern, email [email protected] with details. We will acknowledge it within 7 days and aim to resolve it within 30 days. If you are not satisfied with our response, you can complain to the Office of the Australian Information Commissioner (OAIC) on 1300 363 992 or at oaic.gov.au.

17. Changes to this policy

We may update this policy as our services or the law change, including amendments made under the Privacy and Other Legislation Amendment Act 2024. The “Last updated” date at the top shows when it last changed.

Frequently asked questions

Do you store the figures I enter in your calculators?

No. Calculator inputs are processed in your browser and are not sent to or stored on our servers.

Does AUFinanceCalculators.com sell my data?

No. We do not sell personal information. We share limited data only with service providers such as hosting, analytics and advertising partners, as described in this policy.

How can I make a privacy complaint?

Email [email protected]. If you are not satisfied with our response, you can complain to the Office of the Australian Information Commissioner (OAIC).

Is my information sent overseas?

Some service providers, such as Google and Cloudflare, may process data in countries including the United States, the European Union, the United Kingdom and Singapore.