Privacy Policy

Last Updated: July 2026

At ClearCents, we believe transparency is the foundation of trust. We are an independent platform that provides free tools to help you make informed financial decisions. This policy explains how we collect data and use advertisements to keep our services free for everyone.

Our Privacy Standard: We do not sell financial products, and we do not sell the specific data you input into our calculators to banks or lenders.

1. Information We Collect

We collect only the minimum amount of information necessary to maintain our platform:

  • Voluntary Contact: If you contact us via email, we store your email address and message content to respond to your inquiry.
  • Technical Logs: We monitor IP addresses, browser types, and timestamp data for site security. These are held for a limited period to prevent malicious activity.
  • Cookies: We use cookies to maintain user session preferences and facilitate advertising partner performance.

2. Information We Do Not Collect

We operate on a model of anonymity. We strictly avoid the collection of:

  • Sensitive Identifiers: Bank account numbers, government IDs, income statements, or credit records.
  • Personal Profiles: We do not ask for, nor store, your physical address, phone number, or name unless explicitly provided via email.
  • Calculation Inputs: Any figures typed into our calculators are processed locally in your browser. We do not store financial data or build user profiles on our servers.

3. Data Retention and Rights

We retain personal information only as long as necessary to fulfill the purpose for which it was collected or to comply with legal obligations.

  • Access and Correction: Under the Australian Privacy Principles (APPs), you have the right to request access to or correction of any personal information we hold about you.
  • Contact: To request access, correction, or deletion of your data, please contact us at [email protected].

4. Advertising and AdSense Disclosure

  • Third-Party Cookies: Google uses cookies to serve ads based on your prior visits to this and other websites.
  • Opt-Out: Users may opt out of personalized advertising via Google’s Ad Settings or aboutads.info.
  • Data Firewall: External advertisers have no access to your active math calculations.

5. Google Analytics

In addition to web service logs, we use Google Analytics (including the Advertising Features), which are web analysis services provided by Google Inc. (‘Google’).

  • Usage: Reports obtained from Google Analytics are used to improve the efficiency and usability of this website. They do not contain user-identifiable information.
  • Data Processing: Google Analytics uses cookies to help analyze how users interact with this site. The information generated by the cookie about your use of the website (including your IP address) will be transmitted to and stored by Google on servers in the United States.
  • Advertising Features: The Advertising Features function within Google Analytics provides advanced information about our users, including user demographics, interests, and frequency of visits.
  • Opt-Out: For more information on how Google uses the data collected, visit Google’s Privacy Policy and Google Analytics Terms of Service. To opt-out and prevent your data from being collected by Google Analytics, you can download Google’s opt-out add-on.

6. Your Choices and Controls

  • Browser Settings: You can configure your browser to reject cookies or delete existing cookies at any time.
  • Independence Promise: Ads appearing on our domain are purely automated. We do not engage in “affiliate tracking” where we receive commissions for your loan applications. Our equations remain neutral.

7. Jurisdiction and Compliance

  • APPs: Our practices are governed by the Australian Privacy Principles.
  • Jurisdiction: This policy is governed by the laws of Western Australia. By using this site, you acknowledge that your data may be processed on servers within Australia.

8. Complaints Process

If you have a concern regarding your privacy, please email us at [email protected]. We aim to acknowledge your complaint within 5 business days and resolve it within 30 days.

9. General Disclaimer

The information on this website is for general information only. It should not be taken as constituting professional advice from the website owner, ClearCents.

ClearCents is not a financial adviser. You should consider seeking independent legal, financial, taxation, or other advice to check how the website information relates to your unique circumstances. ClearCents is not liable for any loss caused, whether due to negligence or otherwise, arising from the use of, or reliance on, the information provided directly or indirectly, by use of this website.

Calculators and Tools: The calculators and tools on this website are provided for your information and to illustrate scenarios. The results should not be taken as a substitute for professional advice. All reasonable care has been taken in preparing and designing the calculators and tools; however, ClearCents provides no warranties and makes no representation that the information provided by the calculators and tools is appropriate for your particular circumstances or indicates you should follow a particular course of action.

10. Updates

We may update this policy periodically. We will post the revised version on this page, and for significant changes, we will provide a more prominent notice.