Privacy and scenario data
My Money Calcs provides free financial tools. We collect completed calculation scenarios for research and commercial use, without linking them to your name, contact details, IP address or visitor profile.
Last updated 14 November 2026 · Operator: My Money Calcs
When collection happens
Scenario collection is part of the calculator service described in our Terms of use. Before your first calculation, tick the agreement checkbox below the inputs and select Calculate. That agreement covers all calculator uses in this browser. Each successful Calculate repayments action, or Use this scenario action that produces a full report, submits the mortgage scenario you entered. Savings-buffer calculations and what-if previews are local only. Typing, editing, ticking the checkbox, loading or saving details does not by itself submit them. Calculations run on your device, and a failed research submission does not prevent your results.
What research stores
A completed submission contains your entered mortgage amount, remaining term, assumed start month, repayment type and interest-only period, interest rates and their durations, starting offset balance, regular-contribution destination (offset or loan), and contribution amounts and timing. We keep original numeric values rather than just broad bands, so we can group them differently during analysis.
We attach a random submission reference for delivery retries, a calculation version and a day of receipt. We do not attach a name, email, IP address, visitor or session identifier, partner identifier, or a link to a contact enquiry. Different calculations are separate records; they do not form an identified customer profile.
How research is used
We retain commercial rights in the datasets and research outputs we create from these hypothetical calculations, as described in the Terms of use. Uses include analysing financial interests and trends, building models and preparing commercial research products. Original scenario records remain private; external research products use reviewed grouped outputs. We cannot tell how many distinct people contributed calculations, or verify that numbers describe real loans.
Storage and retention
Scenario records are stored with Amazon Web Services in Sydney. We may retain original scenarios and derived datasets indefinitely for research and commercial use; there is no fixed deletion date for submissions under the current terms. Access to original records is restricted. We do not attempt to identify contributors or combine scenarios with identifying information.
Records submitted under the earlier 90-day notice keep that expiry and are excluded from research after it passes. Their automatic physical deletion can take additional time, and recovery backups can retain copies for up to 35 further days.
We have no identity lookup for financial submissions, so we cannot locate a past contribution using a name or email. Contact us through the form if you have a privacy question; please do not send account numbers.
Saving on your device
We remember the versions of the terms and notices you accepted in this browser. This agreement record has no identity, tracking reference or financial entries, and is not sent with research submissions. We ask again if these versions change or the browser no longer remembers them. A previous agreement to optional research does not accept the new collection or retention terms.
Someone sharing this browser may be able to open local financial details and use the calculator under its remembered terms. Older saved mortgage calculations can supply loan details when the local profile has none. Updating consolidates them into the local profile; clearing removes those older saved copies too.
Your local profile can store monthly income, living expenses, other required payments, mortgage payment, accessible savings, offset cash and the mortgage assumptions you choose to add. Relevant sections automatically fill calculator inputs when you open a tool. This does not save changes or submit a calculation. Only selecting Save setup saves changes; trial calculations do not overwrite it. The profile itself is not sent to us or Google Analytics. If you use its mortgage details and select Calculate repayments or Use this scenario, the completed mortgage scenario is collected under the same terms as other calculations, without a profile link or budget fields. Clear local profile removes both current and older saved profile copies; an undo copy remains in page memory until you leave or update the page. Analytics and calculator-agreement preferences are unchanged by clearing local financial details.
When you follow the savings buffer planner link after calculating mortgage repayments, temporary browser-session storage carries the scheduled monthly repayment, starting offset, weekly contribution active in the selected period and that loan period you choose to test to the planner, and keeps your current mortgage details for returning to the form. No financial values are put in the page address. These temporary details are separate from research and are cleared as they are used or when the browser session ends.
The contact form
The contact form asks for your name, reply email and message so we can respond. These details are separate from calculator research and are not sold as research. Messages are delivered through AWS in the United States to our operator mailbox hosted by Google. Temporary delivery copies are scheduled to expire after 30 days; correspondence in the operator mailbox is kept as needed to handle enquiries.
To reduce spam, the form uses a short-lived signed token, bot checks and hourly limits. Temporary abuse counters use a secret-keyed network-address digest that changes hourly and expires two hours after its most recent use; they do not contain message content or financial scenario identifiers. Automatic removal may take additional time.
Serving the site
AWS processes connection information, including IP addresses, to deliver and protect the site. This is separate from research records. A cookie remembers only your chosen AU, UK or US region for up to a year. Browser language and timezone can help choose a region. We do not use advertising trackers or session recording, and do not put financial entries in page addresses.
Site analytics
We use Google Analytics 4 to understand page visits, calculator usage and completed-calculator counts. Google processes browser and connection information and uses pseudonymous cookie identifiers for analytics. Google may process analytics data outside Australia. We disable advertising features and Google Signals.
We send page information and events when a calculator is first used and when a calculation completes, without the amounts, rates, repayment assumptions or results you enter. Contact-form names, email addresses and messages are not sent to analytics. Page query strings and fragments are excluded. Analytics identifiers are never attached to scenario records, and analytics reports are not joined to original financial scenarios or contact enquiries.
For visitors detected in the United Kingdom, Google Analytics is not loaded until they select Allow analytics. Other known countries have analytics enabled by default. If we cannot determine the country, analytics stays off unless it is explicitly allowed. Your selected calculator region does not determine this check.
Select Analytics settings in the footer to allow or reject analytics at any time. We remember an explicit choice in this browser for up to 180 days. Rejecting stops future analytics collection and removes accessible Google Analytics cookies; it does not erase information already received by Google. Analytics cookies are configured to last up to one year without extending that expiry on each visit. See how Google uses data from sites that use its services for more information. Analytics choices are separate from the calculator’s scenario collection terms.
Privacy questions
Use our contact form to ask about privacy, research or your enquiry. Our Terms of use explain the calculator’s limits.