Privacy

Privacy policy

RBADay is designed to answer a public question without collecting more personal data than it needs.

Calculator values stay on your device

Loan balance, interest rate and term are used in your browser only. They are not sent to RBADay, stored in PostgreSQL or attached to analytics.

What we may process

Email alerts. If you subscribe, we store your normalized email, verification status, preferences and unsubscribe token so we can send the alerts you request. Double opt-in is required.

Analytics. Analytics stores daily aggregate counts for canonical page views, calculator interactions, alert requests and verification, official-source clicks, and sponsor impressions and clicks. Application analytics does not store calculator values, email addresses, IP addresses, user-agent strings, verification or unsubscribe tokens, or cross-site identifiers. Application analytics does not measure unique visitors or advertiser-attributed sales.

Sponsors. Sponsor redirects may increment an aggregate daily click count. We avoid permanent user-level click histories. Site engagement reported alongside campaign delivery is not attributed to the advertiser.

Service providers and retention

The deployment uses Cloudflare for network delivery and security verification, a self-hosted PostgreSQL database for subscriptions and aggregate counts, Resend for email delivery. These services process the information needed for their respective functions. Successful delivery and completed job records are retained for up to two years; source-sync records for up to one year. Unsubscribing stops alerts immediately. Your subscriber record and delivery history remain until an erasure request or the applicable retention cleanup. Cancelled jobs are eligible for cleanup after two years; expired verification and preference requests after 30 days. Cleanup runs in bounded batches when enabled by the operator. Unsubscribing and erasure are separate actions.

Your choices

You can unsubscribe from any alert email using the unsubscribe link and confirmation in every message. You can also request complete deletion and erasure of your subscriber record and delivery logs by emailing [email protected] or contacting the site operator; requests are processed with permanent database deletion and audit recording pursuant to the Australian Privacy Principles under the Privacy Act 1988 (Cth). Cookies are not required for the calculator. Infrastructure providers may process technical request details for security and delivery; these are separate from application analytics.