Calcula.

Privacy Policy

This policy explains what information Calcula collects, how it is used, and the choices you have. Calcula is operated from Australia and is committed to handling personal information in line with the Australian Privacy Principles in the Privacy Act 1988 (Cth) and, where applicable, the EU General Data Protection Regulation (GDPR).

Who we are

Calcula (calcula.com.au) is operated by 10XR. In this policy, "we", "us" and "our" refer to the operator of Calcula. If you have any questions about this policy or how we handle your information, please email hello@calcula.com.au.

What information we collect

Calcula is a calculator-only website. We do not require sign-up, and we do not ask for your name, contact details, financial details or any other personal information to use the calculators. Inputs you enter into a calculator are processed entirely in your browser and are not sent to or stored by us.

The only information we automatically collect is standard technical information that any website receives, including:

  • your IP address (often used to estimate country and city);
  • the pages you visit on Calcula and the order in which you visit them;
  • your approximate referrer (e.g. that you came from Google search);
  • your device type, operating system and browser;
  • cookies and similar identifiers as described below.

Cookies and similar technologies

Calcula uses cookies and similar technologies to operate the site, measure usage, and serve advertising. Specifically:

  • Essential cookies: a small number of cookies are required for the site to function correctly. These do not track you across other sites.
  • Analytics cookies: we may use Google Analytics or a similar privacy-respecting analytics tool to understand which pages are popular and how the site is performing. Where used, IP addresses are anonymised where the platform supports it.
  • Advertising cookies: Calcula displays advertising through Google AdSense and the Google Display Network. Google and its partners may use cookies to serve ads based on your visits to this and other websites.

You can disable or delete cookies in your browser settings, opt out of personalised advertising at adssettings.google.com, or visit aboutads.info/choices to opt out of interest-based advertising from many participating providers.

Advertising — Google AdSense

Calcula uses Google AdSense to display advertisements. Google is a third-party vendor and uses cookies to serve ads based on a user's prior visits to this site or other websites. Google's use of advertising cookies enables it and its partners to serve ads to Calcula visitors based on their visits to this site and other sites on the internet.

Users may opt out of personalised advertising by visiting Google Ads Settings. For more information about how Google uses data when you use Google's partners' sites or apps, see policies.google.com/technologies/partner-sites.

Third-party vendors, including Google, may also use cookies to serve ads based on a user's prior visits to this website or other websites.

How we use information

We use the technical information described above to:

  • operate, maintain and secure the site;
  • understand how visitors use the site so we can improve our calculators and content;
  • measure the performance of advertising shown on the site;
  • detect and prevent fraud, abuse and security incidents.

We do not sell your personal information. We do not use the inputs you enter into calculators for any purpose other than producing the on-page result.

How information is shared

We share limited technical information with the third-party services we use to operate Calcula, including our hosting provider, analytics provider, and advertising partners (such as Google). Each of these providers has its own privacy policy and handles information under its own terms. We do not share your personal information with any party for direct marketing purposes.

International transfers

Some of our service providers (including Google) operate globally and may store or process information in countries other than Australia, including the United States and the European Union. Where this happens, we rely on the safeguards offered by those providers, including the standard contractual clauses where applicable.

Your rights

Depending on your location, you may have rights in relation to your personal information, including the right to:

  • request access to the personal information we hold about you;
  • request correction of inaccurate personal information;
  • request deletion of personal information, subject to legal retention requirements;
  • object to or limit certain processing, including direct marketing and profiling;
  • lodge a complaint with the Office of the Australian Information Commissioner (oaic.gov.au) or, if you are in the EU/UK, your local data protection authority.

To exercise any of these rights, please email hello@calcula.com.au and we will respond within a reasonable time.

Children

Calcula is a general-audience financial information site and is not directed at children under 13. We do not knowingly collect personal information from children.

Security

We take reasonable steps to protect the limited information we hold from misuse, interference, loss, unauthorised access, modification and disclosure. The site is served over HTTPS. No internet service is perfectly secure, however, and we cannot guarantee absolute security.

Changes to this policy

We may update this policy from time to time. The most current version will always be available at this URL, and we will update the "last updated" date below when changes are made. Material changes will be highlighted on this page.

Contact us

For any privacy-related questions, requests or complaints, please email hello@calcula.com.au.

Last updated: 27 April 2026.