Privacy Policy

Last updated: June 2025

1. Introduction

CalcSmart (operated by X2X Creative) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at calcsmart.x2xcreative.com.au.

2. Information We Collect

Calculator Usage

Our financial calculators operate entirely in your browser. We do not store or transmit your calculator inputs (such as salary, loan amounts, or property values) to our servers.

Lead Capture Form

If you choose to submit a lead capture form to connect with a mortgage broker, we collect:

  • Full name
  • Email address
  • Phone number
  • Loan amount or salary (pre-filled from calculator)
  • State of residence
  • Optional message

Automatic Information

We automatically collect certain information when you visit our website, including:

  • IP address and location data
  • Browser type and version
  • Device information
  • Pages visited and time spent
  • Referring website

3. How We Use Your Information

We use the information we collect to:

  • Connect you with licensed Australian mortgage brokers (if you submit a lead form)
  • Improve our website and calculator functionality
  • Analyse website usage and trends
  • Serve relevant advertisements through Google AdSense
  • Respond to your enquiries

4. Third-Party Sharing

We may share your information with:

  • Licensed Mortgage Brokers: If you submit a lead capture form, your details will be shared with licensed Australian mortgage brokers who may contact you about loan products.
  • Google AdSense: We use Google AdSense to display advertisements. Google may use cookies to serve ads based on your prior visits to our website or other websites.
  • Analytics Providers: We use analytics services to understand how visitors use our website.

5. Cookies

We use cookies and similar technologies to:

  • Remember your preferences (such as dark mode)
  • Analyse website traffic
  • Serve personalised advertisements
  • Improve your browsing experience

You can control cookies through your browser settings. However, disabling cookies may affect some website functionality.

6. Data Security

We implement appropriate technical and organisational measures to protect your personal information. However, no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security.

7. Your Rights

Under Australian privacy law, you have the right to:

  • Access the personal information we hold about you
  • Request correction of inaccurate information
  • Request deletion of your information
  • Opt out of marketing communications

8. Contact Us

If you have any questions about this Privacy Policy or our data practices, please contact us at:

Email: info@x2xcreative.com.au

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date.