1. Scope

This Privacy Policy explains how Finance By Sana handles personal information associated with the Mortgage Repayment Calculator website, calculator enquiries, privacy and security requests, white-label services, and agency enquiries. Finance By Sana is a fully online agency owned by Sana Hosseini and has no public office or branch.

Finance By Sana is owned by Sana Hosseini. Through the agency, Sana mainly helps Australians understand and choose home loans suited to their needs and teaches first home buyers how to navigate buying their first home. If you make a home loan or refinancing enquiry, Finance By Sana may handle it as the agency and Sana may handle it in his professional capacity as a Home Loan Mortgage Broker. Additional privacy and credit disclosures may apply to mortgage broking services.

2. Information we collect

Depending on how you use the service, we may collect:

your name, email address, phone number, and other information included in an enquiry;
basic technical, security, request, and error information generated when the website is used;
information you include in an email or support request; and
calculator inputs sent to the server so requested calculations can be produced.

The calculator does not require an account and does not save mortgage scenario inputs to an account database. Avoid entering names or other identifying information in scenario labels.

3. How information is collected

We collect information directly when you submit calculator inputs, contact us, or otherwise interact with the service. Some technical information may be generated automatically by the website, server, or hosting provider.

4. How we use information

We use information to provide calculations, prevent misuse, respond to enquiries, troubleshoot problems, improve the service, comply with law, and maintain necessary enquiry records.

5. When information may be shared

Information may be disclosed to service providers that support hosting, security, communications, or website operation where relevant. We may also disclose information where required by law, to respond to lawful requests, or to protect users, the service, and legal rights.

We do not sell personal information.

6. Overseas processing

Some hosting or communications providers may process or store information outside Australia. The countries involved can depend on the provider's infrastructure and service configuration.

7. Cookies and similar technologies

The website uses an essential first-party preference cookie named mrc_cookie_notice to remember whether you select I Understand or Reject on the privacy notice. The cookie stores only the selected preference value, does not identify you, and is retained for up to 12 months.

Selecting Reject does not enable any optional cookies. We retain only the essential preference cookie so the website can remember your decision and avoid showing the notice on every page.

We may also use essential technical storage, server logs, request data, or similar technologies required to operate, secure, and troubleshoot the calculator. We do not currently use advertising, behavioural profiling, or marketing cookies.

You can block or delete cookies using your browser settings. Deleting the acknowledgement cookie will cause the privacy notice to appear again on your next visit. Some essential website functions may be affected if all cookies or browser storage are disabled.

8. Security and retention

We use reasonable technical and organisational measures to protect information. No internet service can guarantee absolute security. Information is retained only for as long as reasonably needed for the purposes described, enquiry handling, dispute handling, security, backup, or legal obligations. Read more about the implemented safeguards on our Security page.

9. Access, correction, and deletion requests

You may request access to, correction of, or deletion of personal information we hold about you. Some records may need to be retained where required by law or reasonably necessary for security, disputes, or legitimate operational purposes.

Email admin@loancalculator.mortgage with the subject Privacy request, call (02) 6622 2222, or use the Contact Us page. We may need to verify your identity before responding.

10. Privacy complaints

Send privacy concerns to the email address above with enough detail for us to investigate. We will aim to respond within a reasonable period. If you are not satisfied, you may be entitled to contact the Office of the Australian Information Commissioner.

11. Changes to this policy

We may update this policy when the service, providers, or legal requirements change. The latest version and updated date will be published on this page.