Privacy Policy

Overview

Calk-AU ("we", "our", "us") respects your privacy. This policy explains how we collect, use, and protect information when you use our website at calk-au.com and our mobile application ("Calk-AU" on Google Play).

Information We Collect

Calculator Inputs

All calculator computations are performed in your browser or on your device. The numbers you enter into our calculators are never sent to our servers or stored anywhere. Your financial data stays on your device.

Analytics Data

We use Google Analytics 4 to understand how visitors use our site and app. This may collect:

• Pages visited and time spent
• Device type, browser, and operating system
• Approximate geographic location (country/city level)
• Referral source (how you found us)

This data is aggregated and does not personally identify you. Analytics data is retained for 14 months in accordance with Google Analytics default settings.

Advertising

We use Google AdSense to display advertisements on our website. Google may use cookies to serve ads based on your prior visits to this or other websites. You can opt out of personalised advertising at Google Ads Settings.

Offline Data

Our website and mobile app use a service worker to cache static assets (pages, stylesheets, scripts) on your device for offline access. This cached data is stored locally on your device and is not transmitted to us. You can clear this cache through your browser settings or by uninstalling the app.

Cookies

We use cookies for:

• Remembering your theme preference (light/dark mode)
• Analytics (Google Analytics)
• Advertising (Google AdSense)

You can control cookies through your browser settings. Our mobile app does not use third-party cookies.

Children's Privacy

Our services are not directed at children under 13. We do not knowingly collect personal information from children. If you believe a child has provided us with personal data, please contact us and we will delete it promptly.

Your Rights

Under the Australian Privacy Act 1988, you have the right to:

• Access information we hold about you
• Request correction of any inaccurate information
• Opt out of marketing communications
• Lodge a complaint with the Office of the Australian Information Commissioner (OAIC)

International Users (GDPR & CCPA)

If you are located in the European Economic Area (EEA), you have additional rights under the General Data Protection Regulation (GDPR), including the right to access, rectify, erase, restrict processing, and port your data. If you are a California resident, you have rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected and the right to opt out of the sale of personal information. We do not sell personal information. To exercise any of these rights, contact us at support@calk-au.com.

Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated date. Continued use of our website or app after changes constitutes acceptance.

Contact

For privacy-related enquiries, contact us at support@calk-au.com. See also our Terms of Use, Methodology, and About page.