Privacy Policy for Kiwi Finance Tools
Last Updated: April 2026
At Kiwi Finance Tools (“we”, “us”, “our”), your privacy is our priority. We are committed to protecting your personal information in accordance with the New Zealand Privacy Act 2020. This Privacy Policy explains how our site operates, what information we collect, and how we use and protect it.
By using kiwifinancetools.com (the “Site”), you agree to the practices described in this policy.
1. Our “Zero‑Data” Calculator Guarantee
Unlike many financial websites, our calculators are built using client‑side JavaScript. This means that when you enter your salary, mortgage details, KiwiSaver balances, or other financial figures into our tools, all calculations are performed locally in your web browser.
- We do not collect, transmit, or store any of your personal financial inputs on our servers.
- Once you close the tab or refresh the page, the data you entered into our calculators is no longer available to us.
2. Information We Do Collect (Analytics & Cookies)
While we cannot see the financial numbers you enter into our calculators, we do collect some standard information to keep the Site secure and to understand how it is being used.
Log data
Like most websites, our servers automatically record basic log data when you visit the Site. This may include:
- IP address
- Browser type and version
- Operating system
- Referring website or page
- Date and time of your visit
- Pages you view on our Site
Some of this information may be considered personal information where it can reasonably identify you. We use this data for security, troubleshooting, and to understand general traffic patterns.
Cookies and similar technologies
We use cookies and similar technologies to:
- Remember basic site settings
- Understand how visitors use our pages (for example, which tools are most popular)
- Improve the performance and usability of the Site
You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. If you choose to disable cookies, some parts of the Site may not function as intended.
If we use analytics tools (for example, Google Analytics or similar services), these providers may set their own cookies and process usage data on our behalf. We only use this information in aggregated form to improve the Site and do not use it to personally identify individual users.
3. Third‑Party Links and Advertising
Our Site may contain links to third‑party websites or services. We do not control, and are not responsible for, the content or privacy practices of those external sites. We encourage you to review the privacy policies of any third‑party websites you visit.
In the future, we may work with third‑party advertising companies (such as Google AdSense) to display ads when you visit our Site. These companies may use cookies and similar technologies to collect non‑identifying information about your visits to this and other websites in order to show adverts that may be of interest to you.
Where required, we will provide clear notice and obtain any necessary consent before using cookies or similar technologies for advertising purposes. You will also be able to manage your ad preferences or opt out of certain types of tracking via tools provided by those third parties.
4. How We Protect Your Information
We take reasonable steps to protect any personal information we hold from loss, unauthorised access, use, modification, or disclosure. This includes using secure hosting providers and restricting access to log data to authorised personnel only.
However, no method of transmission over the internet or method of electronic storage is completely secure. We cannot guarantee absolute security, but we aim to use commercially reasonable means to protect your information.
5. Your Rights
Under the New Zealand Privacy Act 2020, you have the right to:
- Request access to any personal information we hold about you
- Request correction of that information if you believe it is inaccurate or incomplete
- Complain to us, and if you are not satisfied with our response, lodge a complaint with the Office of the Privacy Commissioner
To exercise these rights, please contact us using the details below.
6. International Access
Our Site can be accessed from outside New Zealand, but it is primarily intended for users located in New Zealand. By using the Site from another country, you acknowledge that your information may be processed in New Zealand and that New Zealand law will apply to our handling of your personal information.
7. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or for operational, legal, or regulatory reasons. When we make changes, we will:
- Post the updated Privacy Policy on this page, and
- Update the “Last Updated” date at the top of the policy.
Your continued use of the Site after any changes have been posted will constitute acceptance of those changes.
8. Contact Us
If you have any questions about this Privacy Policy, how we handle personal information, or the mathematical logic behind our calculators, please contact us at:
Email: kiwifinancialtools@gmail.com
We will do our best to respond to your query within a reasonable time.