Privacy Policy
At Calcivo, we believe in complete transparency and are committed to protecting your privacy in full compliance with the Australian Privacy Act 1988 (Cth) and Australian Privacy Principles (APPs). This policy explains how we collect, use, disclose, and safeguard your information.
On This Page
Information We Collect
At Calcivo, our primary service consists of interactive financial calculators (salary tax cuts, novated leases, CGT exemptions, annual leave, and reverse mortgages). All financial inputs entered into our calculator fields are executed 100% client-side inside your web browser. We do not collect, transmit, or store your financial figures, income amounts, or loan amounts on our servers.
We collect information you provide directly to us, such as your name and email address when you contact us via our contact form or subscribe to our newsletter. We also collect non-personal technical information automatically (IP address, browser type, device type, pages visited) to ensure high server performance and security.
How We Use Information
We use the non-personal technical information we collect to maintain, optimize, and improve our financial calculators and educational guides. Specific uses include:
- Responding to user enquiries, feedback, and technical support messages.
- Sending educational newsletters and statutory tax updates (only if opted in).
- Monitoring core web vitals, speed, and platform uptime for Australian users.
- Detecting and preventing malicious security traffic or bot abuse.
Cookies & Tracking Technologies
Our website uses essential cookies and similar browser storage technologies to enhance user experience, remember UI preferences (such as pay frequency selections), and analyze aggregated website traffic. You can manage or disable cookie preferences through your web browser settings at any time without restricting your access to our calculators.
How We Share Information
We do not sell, rent, or trade your personal information. We may share non-personally identifiable analytical data with trusted third-party service providers (such as web hosting infrastructure and analytics providers) strictly to assist us in operating our website under confidentiality agreements.
Data Security
We implement industry-standard 256-bit SSL encryption, secure web protocols, and modern security measures to protect your information against unauthorized access, loss, or alteration. Because your calculations run entirely in your local browser session, your financial data never touches external network databases.
Your Rights & Choices
Under the Australian Privacy Act 1988, you have the right to access, update, or request deletion of any personal information we hold about you. If you have subscribed to our newsletter, you can opt out of communications at any time by clicking the "Unsubscribe" link in any email.
Third-Party Services & External Links
Our website contains educational references and links to official Australian government portals (such as ATO, ASIC, and Fair Work Ombudsman). We are not responsible for the privacy practices or content of third-party websites. We encourage you to read the privacy policies of any external website you visit.
Children's Privacy
Calcivo is designed for adult financial education and is not directed at children under the age of 16. We do not knowingly collect personal information from children. If we become aware that personal information of a child has been collected, we will take immediate steps to delete it.
Changes to This Privacy Policy
We may update this Privacy Policy periodically to reflect statutory changes in Australian privacy laws or updates to our calculators. Any changes will be posted on this page with an updated "Last Updated" date.
Contact Us Regarding Privacy
If you have any questions, privacy concerns, or requests regarding this Privacy Policy under the Australian Privacy Principles, please reach out to our Privacy Compliance Officer: