Privacy Policy

Last updated: 4 June 2026

Effective date: 4 June 2026

1. Who We Are

CalcHub Australia ("CalcHub", "we", "us", "our") operates the website calchub.com.au. CalcHub is operated by GreenHost (greenhost.com.au), based in Canberra, Australian Capital Territory, Australia. We provide a suite of Australian-specific financial and business calculators.

Privacy Officer

We have a designated Privacy Officer responsible for managing privacy-related matters and ensuring compliance with the Australian Privacy Act 1988 and the Australian Privacy Principles (APPs).

Privacy Officer: Andre Reis
Email: privacy@calchub.com.au
Postal Address: Privacy Officer, CalcHub Australia c/o GreenHost, Canberra, ACT, Australia

The Privacy Officer is responsible for handling privacy enquiries, complaints, and access/correction requests. We aim to acknowledge all enquiries within 5 business days.

2. Scope

This Privacy Policy applies to all personal information collected through our website and related services. It is written in accordance with the Australian Privacy Act 1988 (Cth), the Australian Privacy Principles (APPs), and the EU General Data Protection Regulation (GDPR) where applicable.

3. Information We Collect

3.1 Account Information

When you register for an account, we collect:

• Your name
• Email address
• Password (stored in hashed form only — we cannot read your password)

3.2 Calculation Data

When you use our calculators, we may store:

• The inputs you provide to the calculator (e.g. income amounts, loan values)
• The results generated by the calculator
• An optional label you assign to saved calculations
• Your IP address at the time of the calculation

Guest users (not logged in) may have calculation data associated with a temporary session identifier. This data is not linked to any personal identity.

3.3 Login Activity

For account security, we record the following each time you sign in:

• IP address
• Browser and device information (derived from your User-Agent header)
• Approximate geographic location (city and country, derived from your IP address)
• Login status (success or failure)
• Date and time

3.4 Payment Information

If you subscribe to CalcHub Pro, payments are processed securely by Stripe. We store only a Stripe customer identifier — we do not store your credit card number, expiry date, or CVV on our servers. Please refer to Stripe's Privacy Policy for details on how they handle payment data.

3.5 Cookies & Session Data

We use essential cookies to operate the website. For full details, please see our Cookie Policy.

4. How We Use Your Information

We use personal information solely to provide our services to you. Specifically:

• To operate and maintain your account
• To save and retrieve your calculation history
• To monitor login activity for your account security
• To process subscription payments (via Stripe)
• To send transactional emails (e.g. password resets, email verification)
• To respond to your enquiries or support requests

5. We Do Not Share Your Data

We do not sell, rent, trade, or otherwise share your personal information with any third-party providers for marketing, advertising, or any other purpose.

The only external services that process data on our behalf are:

• Cloudflare — infrastructure and security provider (CDN, DDoS protection, Turnstile spam protection). Cloudflare processes requests as a data processor, not a data recipient.
• Stripe — payment processing for Pro subscriptions only. Stripe acts as an independent data controller for payment data.
• Google Analytics — website usage analytics, only when you opt in via our cookie consent banner. Google acts as a data processor.

5a. Cross-Border Disclosure of Personal Information (APP 8)

Some of our service providers store and process data outside Australia. Under Australian Privacy Principle 8, we are required to disclose where your personal information may be transferred overseas:

• Cloudflare, Inc. (United States) — Provides our CDN, DDoS protection, and Turnstile spam protection. Data may transit through Cloudflare's global edge network including data centres in the USA, Europe, and Asia-Pacific. Cloudflare Privacy Policy
• Google LLC (United States) — Provides Google Analytics (only with your consent) and Google Tag Manager. Analytics data is processed in Google's US data centres. Google Privacy Policy
• Stripe, Inc. (United States) — Processes Pro subscription payments. Cardholder data is processed in Stripe's US infrastructure. Stripe Privacy Policy

By using our website, you consent to your personal information being transferred to and processed in the United States and other countries where our service providers operate. We take reasonable steps to ensure that overseas recipients handle your personal information in accordance with the APPs, including by selecting providers that comply with internationally recognised privacy frameworks (such as the EU-US Data Privacy Framework where applicable).

6. Legal Basis for Processing (GDPR)

Where GDPR applies, we process personal data on the following bases:

• Consent — when you create an account and agree to these terms; when you opt in to analytics cookies.
• Contractual necessity — to provide the calculator services you have requested.
• Legitimate interest — for login activity monitoring and account security.

7. Data Retention

• Account data — retained while your account is active. Deleted when you delete your account.
• Calculation history — retained while your account is active. Permanently deleted when you delete your account.
• Login activity — retained for up to 90 days for security purposes, then automatically purged. All records are permanently deleted when you delete your account.
• Guest session data — expires with your browser session or within 30 days, whichever is sooner.

8. Your Rights

Under the Australian Privacy Act and, where applicable, the GDPR, you have the right to:

• Access your personal data — download a copy of all your data from your Profile → Settings page.
• Correct inaccurate data — update your name and email from your Profile page.
• Delete your data — permanently delete your account and all associated data from your Profile → Settings page.
• Data portability — download your data in a structured, machine-readable JSON format.
• Withdraw consent — you may withdraw cookie consent at any time via the Cookie Settings link in our footer.
• Lodge a complaint — if you believe we have breached your privacy, you may contact the Office of the Australian Information Commissioner (OAIC).

8a. How to Request Access to Your Personal Information (APP 12)

You have the right to request access to the personal information we hold about you. We provide three ways to access your data:

Self-Service (Instant)

The fastest way to access your personal information is through your account:

1. Log in to your CalcHub account at calchub.com.au/login
2. Navigate to Profile → Settings
3. Click "Download My Data" to instantly download all your personal information in JSON format

Written Request

If you cannot access your account or prefer to submit a formal request, contact our Privacy Officer:

Email: privacy@calchub.com.au
Subject: "APP 12 Access Request"

Please include the following in your request:

• Your full name
• The email address associated with your account
• A description of the information you are seeking
• Your preferred format (PDF, JSON, or CSV)

Our Response

• We will acknowledge your request within 5 business days
• We will respond fully within 30 calendar days (as required by APP 12)
• Access is provided free of charge — we do not charge any fees
• We may need to verify your identity before releasing data, to protect your privacy

If we are unable to provide access (for example, where doing so would unreasonably impact the privacy of others), we will explain the reason in writing and inform you of your right to lodge a complaint with the OAIC.

9. Data Security

We take reasonable steps to protect your personal information, including:

• All data transmitted via HTTPS (TLS encryption)
• Passwords stored using industry-standard hashing (bcrypt)
• Cloudflare DDoS and WAF protection
• CSRF protection on all forms
• Regular software updates and security patches

10. Children's Privacy

CalcHub is not directed at children under 16. We do not knowingly collect personal information from children. If you believe a child has provided us with personal data, please contact us and we will promptly delete it.

11. Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be communicated via a notice on our website. The "Last updated" date at the top of this page indicates when the policy was last revised.

12. Contact Us

If you have any questions about this Privacy Policy or wish to exercise your privacy rights, please contact us at:

CalcHub Australia
Operated by GreenHost (greenhost.com.au)
Email: privacy@calchub.com.au
Canberra, ACT, Australia