Privacy Policy

We respect your privacy and are committed to handling your personal information in accordance with the Australian Privacy Principles (APPs) set out in the Privacy Act 1988 (Cth). This policy applies to all visitors to calc.business and to any service operated by H & N Logistics Group PTY LTD under the CalcHub brand.

We collect the following categories of information:

• Calculator inputs. Values you enter into a calculator (such as salary, loan amount, age or BMI inputs) are processed locally in your browser and are not transmitted to or stored on our servers.
• Usage data. Pages visited, referring URL, device type, browser, approximate location (country/state level), session duration and interactions, collected via Google Analytics.
• Technical data. IP address (truncated for analytics), user-agent string and timestamps from standard web server logs.
• Communications. If you email us, we retain your message and contact details so we can respond and keep a record of correspondence.

• To operate, maintain and improve the Site and our calculators.
• To understand audience trends and prioritise new tools and content.
• To serve relevant advertising via Google AdSense.
• To respond to enquiries, partnership requests and privacy requests.
• To detect, prevent and address technical issues, abuse or fraud.
• To comply with our legal obligations under Australian law.

We and our partners use cookies, web beacons, local storage and similar technologies to remember your preferences, measure traffic and serve advertising. You can control or delete cookies via your browser settings; disabling cookies may affect site functionality.

We use Google AdSense to display ads. Google and its partners may use cookies (including the DoubleClick cookie) to serve ads based on your prior visits to this and other websites. You can opt out of personalised advertising via Google Ads Settings or visit aboutads.info to opt out of third-party advertising networks.

We use Google Analytics 4 with IP anonymisation enabled to understand aggregate use of the Site. This data is reported in anonymous, aggregated form and is not used to identify individual visitors.

We do not sell your personal information. We may share information with:

• Service providers who host, secure or analyse the Site under confidentiality obligations.
• Advertising partners (e.g. Google) for the purposes described above.
• Law enforcement or regulators where required by law or to protect our rights.

We use reasonable technical and organisational measures (TLS encryption, access controls, secure hosting) to protect information. We retain communications and analytics data only for as long as necessary to fulfil the purposes described in this policy, or as required by law.

Some of our service providers (including Google) may store or process data outside of Australia. Where this occurs we take reasonable steps to ensure recipients handle your information consistently with the Australian Privacy Principles.

Under the Privacy Act 1988 you have the right to:

• Access the personal information we hold about you.
• Request correction of inaccurate or out-of-date information.
• Make a complaint about a breach of the Australian Privacy Principles.
• Opt out of analytics and personalised advertising as described above.

To exercise these rights, email info@calc.business. If you are not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au.

The Site is not directed at children under 13. We do not knowingly collect personal information from children. If you believe a child has provided us with information, please contact us so we can remove it.

We may update this policy from time to time. Material changes will be posted on this page with an updated "Last updated" date. Continued use of the Site after changes take effect constitutes acceptance of the revised policy.

For privacy enquiries, contact the privacy officer at info@calc.business or via our Contact page.