Privacy Policy

Websites:

• MoneyWiseCalc Australia: https://moneywisecalc.com.au

General contact: contact@moneywisecalc.com.au

This Privacy Policy explains how we collect, hold, use and disclose personal information when you:

• visit our websites
• use our calculators and read our guides
• contact us
• submit an enquiry requesting contact from a mortgage broker partner (a "Lead Enquiry")

By using MoneyWiseCalc or submitting a Lead Enquiry, you agree to this Privacy Policy.

Personal information means information or an opinion about an identified individual, or an individual who is reasonably identifiable.

Lead Enquiry means an enquiry you submit asking to be contacted by a mortgage broker partner.

Broker partner means a licensed mortgage broker business (or related entity) we refer Lead Enquiries to.

A) Information you provide to us

We may collect information you voluntarily provide, such as when you:

• contact us via email or a contact form
• subscribe to updates (if enabled)
• submit feedback or report an issue
• submit a Lead Enquiry

This may include your name, email address, phone number and the content of your message.

B) Lead Enquiry information (CPL referrals)

If you submit a Lead Enquiry, we may collect information such as:

• name
• phone number and/or email
• state/territory (we currently focus on NSW, VIC and QLD for broker enquiries)
• your enquiry type (e.g., buying or refinancing), timeframe, owner-occupier/investment
• financial and property-related ranges you choose to provide (e.g., loan size range, deposit range, income range, property price range)
• calculator context relevant to your enquiry (e.g., repayment estimate settings, stamp duty inputs)

C) Calculator inputs

Calculator inputs (such as property value, loan details or other numbers) are used to generate results, often in your browser. Unless we explicitly state otherwise, we do not require you to provide personal identifiers to use calculators.

If we store calculator inputs (for example, to generate downloadable reports or to save scenarios), we will make this clear at the point of collection.

D) Automatically collected information

When you visit MoneyWiseCalc, we may automatically collect information such as:

• IP address (often in truncated/anonymised form depending on settings)
• device type, browser type, operating system
• pages visited, time spent, clicks/interactions, and referral source
• approximate location (e.g., city/region)
• advertising identifiers and cookie-related data (where enabled)

We use cookies and similar technologies to:

• operate and secure the site
• understand traffic and usage (analytics)
• serve advertising (including personalised or non-personalised ads, depending on your settings/region)
• measure advertising performance
• support affiliate tracking (where applicable)

Cookies are small files stored on your device. You can usually control cookies through your browser settings. These cookies and similar technologies may be set by us or by third-party providers such as Google (analytics/ads) and Microsoft Clarity (user experience analytics).

MoneyWiseCalc may use Google AdSense and other advertising partners. These services may use cookies and similar technologies to show ads and measure ad performance.

Google and its partners may use cookies to serve ads based on:

• your visit to this site and/or
• your activity on other websites

You can learn more about Google's advertising practices and manage ad personalisation through Google's ad settings.

We use analytics and performance tools to understand how people use MoneyWiseCalc and to improve our calculators, content, and user experience. These tools may collect information such as pages visited, interactions (clicks, scrolling), device/browser information, and approximate location.

Google Analytics

We may use Google Analytics 4 to measure website usage and performance.

Microsoft Clarity (session recordings / heatmaps)

We use Microsoft Clarity to better understand how users interact with our pages through features like heatmaps and session recordings. Clarity may collect information such as:

• mouse movements, clicks, scrolling and page navigation
• device and browser information
• approximate location (city/region)
• pages visited and interactions

We use this information to diagnose usability issues, improve page layouts, and enhance calculator journeys. We do not intentionally use Clarity to identify you personally.

You can learn more about Clarity and Microsoft's privacy practices through Microsoft's documentation and privacy statements. You can also manage cookies and tracking controls through your browser settings (and where applicable, through consent settings shown on our site).

Some pages may contain affiliate links or partnership links. If you click these links, a cookie or tracking parameter may be used to attribute a referral to MoneyWiseCalc. This helps fund the site at no extra cost to you.

We do not receive access to your payment details from affiliate partners.

We use collected information to:

• operate and maintain the Services
• provide calculator outputs and site features
• improve calculators, guides and user experience
• respond to enquiries and support requests
• monitor site performance and security, prevent abuse and fraud
• measure advertising and affiliate performance
• comply with legal obligations and enforce our terms

If you submit a Lead Enquiry, you are requesting that we connect you with a broker partner.

What we disclose

We may disclose the information you submitted (such as your name, contact details, state, enquiry type and relevant ranges), and relevant calculator context, to one or more broker partner(s) so they can contact you about home loan options.

Why we disclose it

We disclose this information to facilitate your request for contact and to help the broker partner respond appropriately.

Payment (CPL) and transparency

MoneyWiseCalc may receive a fee when we refer your Lead Enquiry to a broker partner (cost-per-lead).

This does not mean we "sell customer lists" in the sense of transferring bulk databases. We only disclose Lead Enquiry information when you choose to submit it and consent to referral contact.

Partner contact and marketing

By submitting a Lead Enquiry and providing consent, you agree that broker partner(s) may contact you by phone, email and/or SMS regarding your enquiry. Broker partners operate independently and will handle your information under their own privacy policies and legal obligations.

State coverage

Our broker referral feature is currently intended for NSW, VIC and QLD enquiries. We may decline or be unable to service enquiries outside these states.

We may share information with:

• Service providers (hosting, analytics, performance monitoring session recording tools such as Microsoft Clarity, and security)
• Advertising partners (e.g., Google AdSense) for ad delivery and measurement
• Affiliate partners (limited to referral attribution)
• Professional advisers (e.g., legal, accounting) where necessary
• Legal authorities/regulators if required to comply with law or protect rights and safety

We take reasonable steps to protect information using administrative and technical safeguards. However, no method of transmission over the internet or electronic storage is 100% secure.

We retain information only as long as needed to:

• provide the Services and respond to you
• operate lead referrals you request
• comply with legal obligations
• resolve disputes and enforce agreements

Analytics data is typically retained according to the settings of the analytics platform.

Lead Enquiries: We may retain Lead Enquiry records for a reasonable period for quality control, dispute handling, compliance and fraud prevention (for example, to detect duplicates).

Depending on your location and applicable law, you may have rights to:

• request access to personal information we hold about you
• request correction
• request deletion (subject to legal/compliance needs)
• object to certain processing
• withdraw consent where processing is based on consent

To make a request, contact: contact@moneywisecalc.com.au

Cookies and ads controls

• You can manage cookies via your browser settings.
• You can manage Google ad personalisation via Google's ad settings.

Unsubscribing from marketing

If we send you marketing messages (only where you have opted in), you can unsubscribe using the link or instructions provided in the message. You can also contact us to opt out.

If a broker partner contacts you, you can ask them directly to stop marketing communications as well.

MoneyWiseCalc may be accessed globally. Your information may be processed in countries other than your own, including where our service providers operate.

MoneyWiseCalc is not intended for children under 18. We do not knowingly collect personal information from children.

Our Services may contain links to third-party websites. We are not responsible for the privacy practices of third parties. Please review their privacy policies before providing personal information.

We may update this Privacy Policy from time to time. We will update the "Last updated" date and publish the new version on our website.

For privacy questions, requests or complaints, contact:

We will aim to respond in a reasonable timeframe.