Privacy Policy

Introduction

Top Calculator Australia ("we," "our," or "us") operates the website top-calculator.com.au (the "Service"). This page informs you of our policies regarding the collection, use, and disclosure of personal data when you use our Service and the choices you have associated with that data.

Information We Collect

Personal Information

We may collect personally identifiable information that you voluntarily provide to us when you:

• Subscribe to our premium services
• Sign up for email notifications
• Contact us for support
• Use our calculator tools

Information Collected Automatically

• Usage Data: Information on how you access and use the Service
• Device Data: Information about your device, browser, and operating system
• Log Data: Server logs including IP address, browser type, and timestamps
• Cookies: Small data files stored on your device for functionality and analytics

Financial Calculations

Calculator inputs (property values, income, savings) are processed locally in your browser and are not stored on our servers unless you create a premium account.

How We Use Your Information

Service Provision

• Provide and maintain our calculator services
• Process premium subscriptions and payments
• Send service-related notifications
• Provide customer support

Analytics and Improvement

• Analyze website usage to improve our services
• Monitor and analyze trends and usage patterns
• Detect and prevent fraud or security issues

Marketing (With Consent)

• Send newsletters and updates about home buyer schemes
• Notify you about new calculator features
• Provide relevant financial information and tips

Information Sharing and Disclosure

Service Providers

We may employ third-party companies and individuals to facilitate our Service. These third parties include:

• Stripe: Payment processing for premium subscriptions
• Supabase: Database hosting and user authentication
• Vercel: Website hosting and analytics
• Google Analytics: Website analytics and performance monitoring
• Email Service Providers: For sending notifications and updates

Legal Requirements

We may disclose your personal information if required by law or in response to valid requests by public authorities (e.g., court orders, government agencies).

Business Transfers

If we are involved in a merger, acquisition, or asset sale, your personal information may be transferred. We will provide notice before your personal information is transferred.

Data Security

The security of your data is important to us. We implement appropriate technical and organizational measures to protect your personal information, including:

• SSL/TLS encryption for data transmission
• Secure database storage with access controls
• Regular security assessments and updates
• Limited access to personal data by authorized personnel only

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

Your Privacy Rights

Under Australian Privacy Principles (APPs) and applicable privacy laws, you have the right to:

• Access: Request access to your personal information
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information
• Portability: Request a copy of your data in a structured format
• Opt-out: Unsubscribe from marketing communications
• Complaints: Lodge a complaint about our handling of your personal information

To exercise these rights, please contact us using the information provided below. We will respond to your request within 30 days.

Cookies and Tracking

Essential Cookies

Required for the website to function properly, including user authentication and calculator functionality.

Analytics Cookies

Help us understand how visitors interact with our website through Google Analytics and Vercel Analytics.

Marketing Cookies

Used to track the effectiveness of our advertising campaigns and provide relevant content (only with your consent).

You can control cookies through your browser settings. However, disabling certain cookies may affect the functionality of our Service.

Australian Privacy Act Compliance

We are committed to complying with the Australian Privacy Act 1988 and the Australian Privacy Principles (APPs). This includes:

• Collecting personal information only when necessary for our business functions
• Notifying you about the collection and use of your personal information
• Ensuring your personal information is accurate, up-to-date, and complete
• Protecting your personal information from misuse, interference, and loss
• Providing you with access to your personal information upon request

If you have concerns about our privacy practices, you may contact the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au

Contact Us

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