Privacy Policy

1. Introduction

Welcome to Salary Sacrifice Calculator Australia, accessible at www.salarysacrificecalc.com.au. We are committed to protecting your privacy. This Privacy Policy explains what information we collect (and what we do not collect) when you use our salary sacrifice calculator.

By using this website, you agree to the practices described in this policy.

2. Personal Information We Collect

We do not collect, store, or transmit any personally identifiable information. Our salary sacrifice calculator runs entirely in your browser — all figures you enter are processed locally on your device and are never sent to our servers.

Your annual salary and salary sacrifice amount are saved in your browser’s local storage so the calculator remembers your figures on your next visit. This data stays on your device, is never transmitted to us or any third party, and remains until you clear your browser storage or enter new values. Your super balance and HECS-HELP status are not saved and reset on refresh.

We do not require you to create an account, log in, or provide any personal details to use this service.

3. Analytics

We use Umami, a privacy-focused analytics platform, to understand how visitors use our website. Umami does not use cookies, does not collect personally identifiable information, and does not track users across different websites. The data collected is limited to aggregate, anonymised usage statistics such as page views, referrer information, and anonymous feature-usage events (for example, that a calculator input was changed or an FAQ item was opened). These events never include the salary, sacrifice amount, super balance, or other financial details you enter.

4. Cookies

We do not set our own cookies for tracking purposes. Our analytics solution (Umami) is cookieless by design. Your browser may store technical data (such as cached assets) as part of normal website operation, but this is not used to identify you.

However, third-party advertising services, including Google AdSense, may use cookies or similar technologies to deliver, measure, and personalise advertisements shown on this website. See the “Advertising” section below for details and how to opt out.

5. Advertising

We may display advertisements served by Google AdSense. Third-party vendors, including Google, use cookies, web beacons, device identifiers, and similar technologies to serve ads based on your prior visits to this website or other websites. Google’s use of advertising cookies enables it and its partners to serve ads to you based on your visits to this site and/or other sites on the internet. Ads may be personalised or non-personalised.

In the course of serving ads, these vendors may collect and process information such as your IP address, approximate location, browser and device characteristics, and the pages you visit. This information is used to deliver and measure advertising, provide personalisation (where you have consented), and detect fraud and abuse. For details of how Google processes this data, see How Google uses information from sites or apps that use our services.

You can opt out of personalised advertising by visiting Google Ads Settings. Alternatively, you can opt out of some third-party vendors’ use of cookies for personalised advertising by visiting www.aboutads.info. Other authorised third-party vendors and ad networks may also use cookies to serve ads on this site; where personalised ads are shown, the ad technology providers involved, together with links to their privacy policies, are listed in the consent message displayed on your first visit and can be reviewed or changed there at any time.

The presence of advertising does not change how the calculator works: all salary, sacrifice, and super figures you enter are still processed locally in your browser and are never sent to Google, our servers, or any advertising partner.

6. Third-Party Services

Our website is hosted and delivered using the following third-party infrastructure providers:

• Vercel — hosting and serverless infrastructure. Vercel may log standard request metadata (IP address, user agent) for operational purposes in accordance with their privacy policy.
• Cloudflare — DNS and network security. Cloudflare processes network traffic in accordance with their privacy policy.
• Google AdSense — advertising services (see the “Advertising” section above).

These providers have their own privacy policies governing how they handle data. We encourage you to review their policies if you have concerns.

7. Data Security

Because we do not collect or store your personal information on our servers, there is no personal data of yours at risk from a server-side breach. All calculator inputs remain on your device. Your super balance and HECS-HELP status are discarded when you leave or refresh the page; your salary and salary sacrifice amount persist in local storage on your device as described in Section 2, until you clear your browser storage or enter new values.

8. Links to Other Websites

Our website may contain links to external sites. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policy of any third-party site you visit.

9. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with a revised “Last updated” date. We encourage you to review this policy periodically.

10. Contact

If you have any questions about this Privacy Policy, please contact us at contact@salarysacrificecalc.com.au.