Privacy Policy

Last Updated: May 2026

1. Introduction

At AussieLoanCalculator, we respect your privacy and are committed to protecting it. This policy explains how we handle any information collected when you visit our website.

2. Data We Do NOT Collect

Our calculators run 100% on your device (in your browser). We do not collect, store, or transmit any financial data, loan amounts, incomes, or calculations you enter into our tools. Your numbers stay with you.

3. Analytics and Cookies

We use standard web analytics to understand how visitors use our site (e.g., which calculators are most popular) so we can improve our services. This data is aggregated and anonymous. We may use cookies to improve your browsing experience.

4. Third-Party Links

Our website may contain links to third-party lenders, brokers, or government resources (like ASIC MoneySmart). We are not responsible for the privacy practices of those external sites.

5. Contact Us

If you have any questions about this Privacy Policy, please visit our Contact Us page.

Advanced Australian Market Analysis (2026 Update)

Regulatory Compliance

Our advanced algorithms fully incorporate the latest mandates from the Reserve Bank of Australia (RBA) and the Australian Prudential Regulation Authority (APRA). As of 2026, the serviceability buffer remains highly relevant for stress-testing your financial capacity against potential rate hikes by the Big 4 banks (CBA, Westpac, NAB, ANZ) and leading non-bank lenders.

ASIC & Consumer Protection

We rigorously apply ASIC's National Consumer Credit Protection Act guidelines. The calculations feature dynamic comparison rate methodology, ensuring that hidden establishment fees, monthly account-keeping fees, and potential Lenders Mortgage Insurance (LMI) premiums are transparently estimated to protect Australian consumers.