OwnYaBucks

Privacy Policy

Last updated: June 2026

Overview

OwnYaBucks (“we”, “us”, “our”) operates the website https://www.ownyabucks.com(the “Site”). This page explains what information we collect when you use our calculators, how we use it, and your rights.

The short version: Our calculators run entirely in your browser. We do not collect, store, or transmit the salary, income, or tax figures you enter. All calculations happen locally on your device.

Information We Collect

Information you provide

All calculator inputs (salary amounts, HECS balances, etc.) are processed locally in your browser and are never sent to our servers. We do not store any financial data you enter.

Automatically collected information

When you visit the Site, we may automatically collect:

  • Browser type and version
  • Pages visited and time spent
  • Referring URL
  • General geographic location (country/city level, derived from IP address)
  • Device type (desktop, mobile, tablet)

This information is collected through Google Analytics (via Google Tag Manager) and is used in aggregate to understand how visitors use the Site and to improve our calculators.

Cookies

We use cookies and similar tracking technologies to operate the Site and measure usage. These include:

  • Analytics cookies (Google Analytics): measure traffic and usage patterns. These are non-essential cookies. You can opt out via Google Analytics Opt-out.
  • Advertising cookies (Google AdSense): we display advertisements through Google AdSense, which may use cookies to show relevant ads based on your browsing history. You can manage these preferences at Google Ad Settings.

Google AdSense & Advertising

We use Google AdSense to display advertisements on this Site. Google, as a third-party vendor, uses cookies to serve ads based on your prior visits to this website and other websites. Google’s use of advertising cookies enables it and its partners to serve ads based on your visit to this site.

You may opt out of personalised advertising by visiting Google Ads Settings or by visiting aboutads.info.

How We Use Your Information

We use collected information to:

  • Understand how visitors use the Site and improve calculator accuracy
  • Monitor Site performance and fix technical issues
  • Display relevant advertisements through Google AdSense
  • Comply with legal obligations

Third-Party Services

We use the following third-party services:

Your Rights (Australian Privacy Act)

Under the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs), you have the right to:

  • Access personal information we hold about you
  • Request correction of inaccurate information
  • Request deletion of your information (to the extent we hold any)
  • Opt out of direct marketing (we do not conduct direct marketing)

Given that our calculators do not collect personal financial data, we hold minimal personal information. Any analytics data is aggregated and non-identifiable.

Data Retention

Analytics data is retained for 26 months, after which it is automatically deleted. We do not retain any calculator input data as it is never transmitted to our servers.

Children’s Privacy

This Site is not directed at children under 13. We do not knowingly collect personal information from children under 13.

Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any significant changes by updating the “Last updated” date at the top of this page. Continued use of the Site after changes constitutes acceptance of the updated policy.

Contact

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