Privacy Policy

Introduction

The Finance Algorithm ("we", "us", or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our financial calculators and tools.

We comply with the Australian Privacy Principles (APPs) contained in the Privacy Act 1988 (Cth) and any applicable state or territory privacy legislation.

Information We Collect

Information You Provide

When you use our calculators and tools, you may enter financial information such as:

Loan amounts and interest rates
Property values and purchase prices
Income and expense details
Location (state/territory) for stamp duty calculations

Important: This information is processed locally in your browser or temporarily on our servers to generate results. We do not store your personal financial information in any database.

Automatically Collected Information

When you visit our website, we may automatically collect certain information, including:

IP address (anonymized where possible)
Browser type and version
Device type (mobile, desktop, tablet)
Operating system
Pages visited and time spent on pages
Referring website
Date and time of access

This information is collected through cookies and similar technologies and is used to improve our services and understand how users interact with our website.

How We Use Your Information

We use the information we collect to:

Provide and operate our calculators and tools
Generate AI-powered insights based on your inputs
Improve and optimize our website and services
Analyze usage patterns and trends
Detect and prevent fraud or security issues
Comply with legal obligations

Data Processing and Storage

Calculator Data

The financial information you enter into our calculators is:

Processed in real-time to generate results
Transmitted securely using HTTPS encryption
Not stored permanently on our servers
Not associated with any personal identifier
Not sold or shared with third parties

AI Processing

When you use our AI-powered features, your inputs may be sent to third-party AI service providers (such as OpenAI or Anthropic) to generate insights. These providers:

Process data according to their own privacy policies
May temporarily store data for processing purposes
Are contractually bound to protect user data
Do not use your data to train their models (where applicable)

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to:

Remember your preferences and settings
Understand how you use our website
Improve website performance and user experience
Analyze traffic and usage patterns

Types of Cookies We Use

Essential Cookies: Required for the website to function properly
Analytics Cookies: Help us understand how visitors use our website
Preference Cookies: Remember your settings and preferences

You can control cookies through your browser settings. Note that disabling certain cookies may affect website functionality.

Third-Party Services

We may use third-party services for:

Website analytics (e.g., Google Analytics)
AI processing (e.g., OpenAI, Anthropic)
Web search (e.g., Tavily)
Website hosting and infrastructure

These third parties have their own privacy policies governing the use of your information. We encourage you to review their policies.

Data Security

We implement appropriate technical and organizational measures to protect your information, including:

SSL/TLS encryption for all data transmission
Secure server infrastructure
Regular security assessments
Limited access to systems on a need-to-know basis

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

Your Rights

Under Australian privacy law, you have the right to:

Access personal information we hold about you
Request correction of inaccurate information
Request deletion of your information (where applicable)
Opt out of marketing communications
Lodge a complaint with the Office of the Australian Information Commissioner (OAIC)

Since we do not store personal financial information from calculator usage, there is typically no personal data to access, correct, or delete related to your use of our tools.

Children's Privacy

Our website is not intended for children under 18 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

International Data Transfers

Your information may be transferred to and processed in countries other than Australia, including the United States (for AI processing and cloud services). We ensure appropriate safeguards are in place to protect your information in accordance with this Privacy Policy and applicable laws.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date. We encourage you to review this Privacy Policy periodically.

Contact Us

If you have any questions about this Privacy Policy or our privacy practices, please contact us through our website.

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