Privacy Policy

Last Updated: January 2025

1. Introduction and Your Consent

Welcome to the Retirement Calculator ("Service") provided by SuperSavvy ("we," "us," "our"). This Privacy Policy outlines our practices regarding the collection, use, and disclosure of your information.

By accessing or using our Service, you acknowledge that you have read, understood, and agree to the collection, holding, use, and disclosure of your personal and other information as described in this Privacy Policy and our Terms of Service. If you do not agree, you must not use our Service.

This policy is written to comply with the Australian Privacy Principles (APPs) under the Privacy Act 1988 (Cth).

2. Information We Collect

To provide a functional and effective Service, we collect several types of information.

a) Information You Voluntarily Provide:

  • Personal & Contact Data: Your name, email address, and phone number.
  • Demographic Data: Your age, gender, and employment status.
  • Financial Data: Any financial figures you input into the calculator, including but not limited to, your income, superannuation balance, savings, investments, debts, expenses, and other related financial information.
  • Goal-Based Data: Information concerning your retirement goals, desired lifestyle, risk tolerance, and other personal preferences.

b) Information We Collect Automatically (Usage and Technical Data):

  • Device and Browser Information: Your IP address, device type, operating system, browser type, and screen resolution.
  • User Interaction Data: We use analytics services such as PostHog to analyse user behaviour within our Service. This may include collecting data on clicks, mouse movements, scrolling activity, session duration, and session recordings to identify user pain points and improve our Service.
  • Advertising and Tracking Data: We use tracking technologies, most notably the Meta Pixel, to measure the effectiveness of our advertising campaigns, create custom audiences for remarketing on platforms like Facebook and Instagram, and create "lookalike" audiences for future advertising.

3. How We Use Your Information (Our Purposes)

We use the information we collect for a broad range of purposes integral to our business operations, including:

  • To Provide the Service: To operate the calculator, generate your personalised calculations and projections, and deliver your results to you.
  • To Facilitate Introductions to Third-Party Partners: This is a core function of the Service. With your explicit consent, we will use and share your information (including your contact details and financial data) to facilitate an introduction to our network of third-party professionals, such as licensed financial planners, mortgage brokers, or insurance specialists ("Third-Party Partners").
  • For Direct Marketing and Advertising: To contact you via email or phone with information about our services or the services of our partners. We also use your data for targeted advertising and remarketing across various platforms (e.g., Meta). You can opt out of direct marketing at any time.
  • For Analytics and Service Improvement: To analyse trends, track user behaviour (via tools like PostHog), diagnose technical issues, improve the user interface, and develop new products, features, and services.
  • For Security and Legal Compliance: To protect the security and integrity of our Service, prevent fraud, and comply with our legal obligations.

4. Disclosure of Your Information

We may share your information with the following parties:

  • Third-Party Partners (With Your Explicit Consent): We will only share your information with our Third-Party Partners when you provide clear, affirmative consent within the Service (e.g., by ticking a box or clicking a button that authorises the referral). You acknowledge that once your information is passed to a Third-Party Partner, it is subject to their privacy policy and practices, over which we have no control.
  • Technology and Analytics Partners: We share usage and technical data with our technology providers, such as Meta (for advertising) and PostHog (for product analytics). These parties may process data in accordance with their own privacy policies.
  • Service Providers: We engage third-party companies that provide services on our behalf, such as cloud hosting, email delivery, and data storage. They are contractually bound to only use the information to perform services for us.
  • Business Transfers: If we are involved in a merger, acquisition, or asset sale, your personal information may be transferred as a business asset.
  • Legal Authorities: We may disclose your information if required by law or if we believe in good faith that such action is necessary to comply with a legal obligation or protect our rights and property.

5. Cookies, Pixels, and Tracking Technologies

Our Service uses cookies, pixels (like the Meta Pixel), and other tracking technologies. These are essential for our Service's functionality and our business model.

  • Purpose: These technologies are used for remembering your inputs, analysing site traffic, measuring ad performance, and enabling remarketing.
  • Your Consent: Your use of our Service constitutes your consent to our use of these technologies as described.
  • Your Control: You can manage cookies through your browser settings and control advertising tracking through your settings on platforms like Facebook. However, disabling these technologies may render parts of our Service unusable.

6. Data Security and Retention

  • Security: We implement reasonable administrative and technical measures to protect your personal information from loss, theft, and unauthorised access. However, no method of transmission over the Internet is 100% secure, and we cannot guarantee its absolute security.
  • Retention: We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, for our legitimate business interests (such as record-keeping and analytics), and to comply with our legal and regulatory obligations.

7. Your Rights and Choices

  • Access and Correction: You have the right to request access to and correction of the personal information we hold about you.
  • Opt-Out of Marketing: You can opt-out of receiving marketing communications from us at any time by using the "unsubscribe" link in our emails or by contacting us directly.
  • Complaints: If you believe we have breached the Australian Privacy Principles, please contact us. We will investigate your complaint and respond promptly. If you are not satisfied, you can contact the Office of the Australian Information Commissioner (OAIC).

8. International Data Transfers

Our service providers (including PostHog and our hosting provider) may be located overseas. As such, your personal information may be transferred to and processed in countries outside of Australia. By using our Service, you consent to this transfer.

9. Changes to This Privacy Policy

We reserve the right to modify this Privacy Policy at any time. We will notify you of any changes by posting the new policy on this page and updating the "Last Updated" date. Your continued use of the Service after any modification constitutes your acceptance of the new Privacy Policy.

10. Contact Us

For any questions or concerns regarding your privacy, please contact our Privacy Officer at:

Email: legal@supersavvy.au