Privacy Policy & Cookie Disclosure

1. Radical Zero-PII Guarantee

BankToSheet.com.au operates on a zero-PII (Personally Identifiable Information) architecture. Unlike commercial lead-generation portals, our financial utility calculators perform calculations locally inside your browser or on stateless edge workers. We do not require, collect, or store your name, email address, phone number, salary records, or bank statements to use any statutory calculator.

2. Information We Collect Automatically

When you browse our platform, standard non-identifying telemetry is logged via Cloudflare for edge security, DDoS prevention, and performance monitoring. This includes anonymized IP addresses, browser user agent strings, and device operating system versions. This telemetry is purged automatically in accordance with Cloudflare standard data retention cycles.

3. Cookies & Third-Party Advertising (Google AdSense)

BankToSheet.com.au uses cookies to ensure optimal performance, analyze traffic, and display relevant, non-intrusive advertisements:

• Third-Party Vendors & Google: Third-party vendors, including Google, use cookies to serve ads based on a user's prior visits to this website or other websites on the internet.
• Google DoubleClick Cookie: 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.
• Opting Out: Users may opt out of personalized advertising by visiting Google Ads Settings or opt out of third-party cookies via AboutAds.info.

4. Outbound Commercial & Affiliate Links

Our platform features contextual links to licensed Australian mortgage brokers, commercial lenders, and accounting software providers. When you click an outbound link (e.g., via /go/[partner]), non-personal campaign identifiers (such as traffic source and selected calculator tier) may be passed to the destination partner. No financial figures or personal details are ever transferred.

5. Australian Privacy Principles (APP) Compliance

We comply strictly with the Australian Privacy Principles under the Privacy Act 1988 (Cth). If you have questions about our privacy practices, contact us at [email protected].