Privacy Policy (13 July 2024)

Our commitment to your privacy

At The Calculators Pty Ltd, we are committed to protecting your privacy as a customer and an online visitor to our website. We use the information we collect about you to provide you with the financial and credit products, advice and service relevant to your needs. We respect the privacy and confidentiality of the information provided by you and adhere to the Australian Privacy Principles. Please read our privacy policy below carefully.

Information we collect from you

In the course of your visits to our website or use of our services, we may obtain the following information (but is not limited to) about you: name, company name, email address, telephone number, credit card details, billing address, tax file number, citizenship status, date of birth, geographic location, IP address, survey responses, support queries, blog comments and social media handles (together ‘Personal Data’). We may also collect the personal information of your family members where it is relevant to the advice being provided.

In most instances, we collect personal information directly from that person when they:

• complete credit product application form or a financial product,
• complete an identification form,
• complete data collection form / documentation,
• provide documentation to us, or
• interact with an online interactive tool,
• when you communicate with us in person, over the telephone, email, internet or by using other electronic devices

Situations where we collect personal information from other people and organisations include (but are not limited to):

• a mortgage broker or other credit representative,
• other professionals who act on your behalf, such as a lawyer or accountant,
• other organisations, who jointly with us, provide products or services to you, and
• social media and publicly available sites.

It’s your preference whether or not you want to share your personal information. You have the right to not to provide personal information, including about your identity. However, in this case, your adviser will warn you about the possible consequences and how this may impact on the quality of the advice provided. Your adviser may also decline to provide advice if they feel they have insufficient information to proceed. In some instances, we will decline to provide services or advice if we feel we have insufficient information for the specific scope of the service or advice requested. Further, in some circumstances the law requires us to collect and verify both photographic and non - photographic identification documents. You can review, correct, update or delete your Personal Data by contacting us directly to do so.

How we use your information

Personally Identifiable Information: We use the information we collect to deliver our services to you, including: communicating with you, providing technical support, notifying you of updates and offers, sharing useful content, measuring customer satisfaction, diagnosing problems and providing you with a personalised website experience.

Marketing communications are only sent to you if you have requested or subscribed to them. You can opt out of our marketing communications at any time by unsubscribing or emailing us and your request will be actioned immediately.

Non-Personally Identifiable Information: We also use the information we collect in aggregated and anonymized forms to improve our services, including: administering our website, producing reports and analytics, advertising our products and services, identifying user demands and assisting in meeting customer needs generally.

Any information you choose to make publicly available, such as blog comments and testimonials on our website, will be available for others to see. If you subsequently remove this information, copies may remain viewable in cached and archived pages on other websites or if others have copied or saved the information.

Storage and security of your information

We will use all reasonable means to protect the confidentiality of your Personal Data while in our possession or control. All information we receive from you is stored and protected on our secure servers from unauthorised use or access. Credit card information is encrypted before transmission and is not stored by us on our servers.

To enable us to deliver our services, we may transfer information that we collect about you, including Personal Data, across borders for storage and processing in countries other than Australia. If your Personal Data is transferred and processed outside Australia, it will only be transferred to countries that have adequate privacy protections.

We retain your personal information for as long as needed to provide services to you and as otherwise necessary to comply with our legal obligations, resolve disputes and enforce our agreements.

In the event there is a breach of our security and your Personal Data is compromised, we will promptly notify you in compliance with the applicable law.

Cookies and pixels

A cookie is a small file placed in your web browser that collects information about your web browsing behaviour. Use of cookies allows a website to tailor its configuration to your needs and preferences. Cookies do not access information stored on your computer or any Personal Data (e.g. name, address, email address or telephone number). Most web browsers automatically accept cookies but you can choose to reject cookies by changing your browser settings. This may, however, prevent you from taking full advantage of our website.

Our website uses cookies to analyse website traffic, provide social media sharing and liking functionality and help us provide a better website visitor experience. In addition, cookies and pixels may be used to serve relevant ads to website visitors through third party services such as Google Ads and Facebook Adverts. These ads may appear on this website or other websites you visit.

Sharing your information with third parties

We may share your personal information with other entities both within and outside of the Licensee. This will vary according to the product or service involved, but could include:

• any person acting on your behalf, including your financial adviser, solicitor, accountant, executor, administrator, trustee, guardian or attorney
• other organisations within the Licensee including related bodies corporate and advice firms we have authorised,
• companies involved in the payments system including financial institutions, merchants and payment organisations
• organisations who assist us with certain business functions, such as auditors, compliance consultants, direct marketing, debt recovery and information and communication technology support
• our solicitors, our insurers, courts, tribunals and dispute resolution organisations
• other organisations who provide us with products and services so that they may provide their products and services to you or contact you on our behalf, and/or
• anyone to whom we, or our service providers, are required or authorised by law to disclose your personal information to (for example, law enforcement agencies, Australian and international government and regulatory authorities).

We may also disclose your information to a third party where you have given your consent or where you would reasonably expect us to disclose your information to that third party. We may also disclose the personal information we hold about our financial advisers to professional organisations, companies and consultants that we work with. The only circumstances in which we would collect, use or disclose your government related identifiers is where we are required or authorised by law to do so. For example, we may be required to disclose your Tax File Number (TFN) to the Australian Taxation Office, a superannuation or retirement income product provider. Likewise, we may need to disclose your Medicare number to Centrelink in order to assess your social security eligibility. Drivers licence numbers and passport numbers may also be collected when we are required to verify your identity. Personal information collected may also be used for direct marketing purposes to promote events, products or services that may be of relevance to you. Please contact us should you wish not to receive direct marketing.

Your Personal Data details are only disclosed to third party suppliers when it is required by law, for goods or services which you have purchased, for payment processing or to protect our copyright, trademarks and other legal rights. To the extent that we do share your Personal Data with a service provider, we would only do so if that party has agreed to comply with our privacy standards as described in this privacy policy and in accordance with applicable law. Our contracts with third parties prohibit them from using any of your Personal Data for any purpose other than that for which it was shared.

Disclosure of personal information overseas: We may disclose your personal information to service providers who operate outside Australia. The most common example of when we share your personal information overseas is when we work with overseas service providers who prepare financial advice documents. When we send your personal information to overseas recipients, we make sure appropriate data handling and security arrangements are in place. Your adviser may enter into their own outsourcing arrangements to countries other than those detailed above. If so, your adviser will disclose these arrangements separately to you. All reasonable steps will be taken to ensure that offshore service providers comply with the Privacy Act. Personal information is generally hosted on servers located in Australia. If you access our services from outside Australia, you consent to the transfer of your personal information to Australia, a jurisdiction that may not provide the same high level of protection we apply in Australia. We do not and will not sell or deal in Personal Data or any customer information.

Links to other websites

This website may contain links to other websites. These links are meant for your convenience only. Links to third party websites do not constitute sponsorship or endorsement or approval of these websites. Please be aware that we are not responsible for the privacy practices of such other websites. We encourage our users to be aware, when they leave our website, to read the privacy statements of each and every website that collects personally identifiable information. This privacy policy applies solely to information collected by this website.

Change in privacy policy

As we plan to ensure our privacy policy remains current, this policy is subject to change. We may modify this policy at any time, in our sole discretion and all modifications will be effective immediately upon our posting of the modifications on this website. Please return periodically to review our privacy policy.

Contact us

If you have any questions or concerns at any time about our privacy policy or the use of your Personal Data, please contact us at

• Mail: 84 Smith Street, Darwin, NT 0800
• Phone: 8989 2999
• Email: admin@thecalculators.com.au,
• Website: www.thecalculators.com.au

We will acknowledge receipt of a complaint immediately, however, where this is not possible, acknowledgement will be made as soon as practicable. We will then investigate the complaint and respond to you within 45 days. Some complex matters may require an extension to thoroughly investigate the complaint and bring it to resolution. If you are not fully satisfied with our response, you can contact an external body. In cases of privacy related complaints, this is generally the Office of the Australian Information Commissioner (OAIC). The contact details for OAIC are:

• Mail: GPO box 5218 Sydney NSW 2001
• Phone: 1300 363 992
• Email: enquiries@oaic.gov.au
• Online: www.oaic.gov.au