Privacy Policy

1. What data we collect

All calculations are performed in your browser. We do not store, transmit, or share your calculation inputs.

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

2. Google Analytics

We use Google Analytics to understand how visitors use the site. Data is anonymized — IP addresses are not stored in identifiable form. We do not use this data to identify individual users.

You can opt out of Google Analytics tracking by installing the Google Analytics Opt-out Browser Add-on.

3. Google AdSense and third-party vendors

We use Google AdSense to display advertisements on this site. Third-party vendors, including Google, use cookies to serve ads based on a user’s prior visits to this website or other websites. Google’s use of advertising cookies enables it and its partners to serve ads to our users based on their visit to our sites and/or other sites on the Internet.

You may opt out of personalised advertising by visiting Google\u2019s Ads Settings. Alternatively, you can opt out of a third-party vendor’s use of cookies for personalised advertising by visiting www.aboutads.info.

For users in the European Economic Area (EEA), the United Kingdom, or Switzerland, Google has updated its Ad Personalisation settings to comply with the EU User Consent Policy. Where required, ads will be served only with your explicit consent.

4. Cookies

This site uses cookies for analytics (Google Analytics) and advertising (Google AdSense). We also use a small local-storage cookie to remember your cookie consent preference. No cookies are used for tracking your personal financial inputs.

5. Your rights

Under the New Zealand Privacy Act 2020, you have the right to access personal information we hold about you and to request corrections. Because we do not store any personally identifiable information, there is typically no data to access or correct.

For privacy queries, contact info@calk.nz.

If you believe your privacy rights have been breached, you can make a complaint to the Office of the Privacy Commissioner (OPC) under the New Zealand Privacy Act 2020.