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Privacy Policy

Last Updated: November 10, 2025

1. Introduction

This Privacy Policy explains how the Australian Investment Property Calculator ("the Calculator") handles information. The Calculator is a free educational tool created by Rowel Uchi for learning purposes only.

We are committed to protecting your privacy. This policy describes what data (if any) is collected and how it is used.

2. No Data Collection

The Calculator is designed with privacy as a core principle. We do NOT collect, store, or transmit any of your data to any servers. Specifically:

• No personal information collected: We do not collect names, email addresses, phone numbers, or any identifying information
• No calculation data transmitted: Property values, loan amounts, income figures, and all other inputs remain private in your browser
• No financial data stored: Your financial information never leaves your device
• No user accounts: No registration, login, or account creation required
• No tracking or analytics: We do not track your usage, behavior, or activity
• No third-party services: No external services, APIs, or integrations that could access your data

3. How the Calculator Works

The Calculator is a client-side web application that runs entirely in your browser:

• Browser-based processing: All calculations are performed locally on your device using JavaScript
• No server communication: The Calculator does not send any data to remote servers
• Static files only: The application consists of HTML, CSS, and JavaScript files served to your browser
• Offline capable: Once loaded, the Calculator can function without an internet connection

4. Browser Local Storage

The Calculator may use your browser's local storage feature to save your inputs for convenience. This is important to understand:

• Local only: Data saved in browser local storage remains on your device only
• Not transmitted: Local storage data is never sent to any servers
• Under your control: You can clear this data at any time through your browser settings
• Optional feature: If implemented, saving data is typically optional
• Device-specific: Data is only available on the device and browser where you entered it

To clear local storage data: Use your browser's "Clear browsing data" or "Clear website data" feature and select "Cookies and site data" or "Local storage".

5. Cookies

The Calculator does NOT use cookies. We do not set, read, or use cookies in any way for:

• Tracking or analytics
• User identification
• Advertising
• Session management
• Any other purpose

6. Third-Party Services

The Calculator does NOT integrate with or use any third-party services, including:

• No Google Analytics or similar tracking services
• No advertising networks
• No social media integrations
• No payment processors (the Calculator is free)
• No external APIs or cloud services
• No CDN for external libraries (all resources are self-hosted)

Your data stays entirely on your device with no external connections.

7. Web Hosting and Server Logs

While the Calculator itself does not collect data, the web hosting provider may maintain standard server logs that include:

• IP addresses
• Browser type and version
• Access times and dates
• Pages requested

These server logs are standard for all websites and do NOT include any of your calculation inputs or financial data. Server logs are used only for technical maintenance and security purposes.

The creator (Rowel Uchi) does not actively monitor, analyze, or use server logs for tracking individual users.

8. Data Security

Since the Calculator operates entirely in your browser without collecting or transmitting data:

• No data breaches possible: We cannot lose data we never collect
• Your device security: Security depends on your device and browser security
• HTTPS recommended: Use HTTPS to access the Calculator to prevent network eavesdropping
• Your responsibility: Keep your device secure and use trusted networks

9. Recommendations for Privacy

To maximize your privacy when using the Calculator:

• Avoid public computers: Do not use the Calculator on shared or public computers where others might access your data
• Clear browser data: Clear your browser's local storage after use on shared devices
• Use private browsing: Consider using your browser's private/incognito mode
• Secure your device: Use password protection and keep your device physically secure
• Trusted networks only: Avoid using the Calculator on untrusted public Wi-Fi networks

10. Children's Privacy

The Calculator is not directed to children under the age of 18. We do not knowingly collect information from children. Since we collect no data at all, this is not a concern, but the Calculator is intended for adult use only.

11. Your Rights and Control

Since we do not collect, store, or process any personal data:

• No data to access: There is no personal data stored by us to request access to
• No data to delete: There is no personal data stored by us to request deletion of
• No data portability issues: Your data never leaves your device
• Complete control: You have full control over any local browser storage through your browser settings

12. Australian Privacy Principles

The Calculator is operated from Australia. However, since no personal information is collected, stored, or handled, the Australian Privacy Principles (APPs) under the Privacy Act 1988 do not apply to the operation of this Calculator.

We respect privacy rights and have designed the Calculator to be privacy-first from the ground up.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last Updated" date. If we ever change our data collection practices (for example, adding analytics), we will clearly disclose this in an updated Privacy Policy.

Your continued use of the Calculator after changes constitutes acceptance of the updated Privacy Policy.

14. Contact Information

If you have questions about this Privacy Policy or privacy practices:

Email: roweluchi30@gmail.com
Project: Australian Investment Property Calculator (Educational Tool)
Creator: Rowel Uchi

15. Educational Purpose Reminder

Remember, this Calculator is a free educational tool only. It is NOT professional advice and should not be used for actual financial decisions. For more information, please see our Terms of Service.