Privacy Policy, Disclaimer & Terms of Use

I built this website to help New Zealanders understand their mortgage options without the complexity. Whether you are calculating break fees, splitting your loan, or tracking interest rates, my goal is to provide clear, helpful tools.

To make sure the tools are working correctly, I use analytics to track how the site is used. I am not interested in your personal identity, and I do not collect any personal data that can identify you.

1. Privacy Policy

1.1 What we track

We use anonymous analytics (Google Analytics and Microsoft Clarity) to understand:

• If the calculators and tools are functioning correctly.
• Which features are being used most often (e.g., Break Fee vs. Split Loan tools).
• Which parts of the website design might be confusing.

1.2 What we DO NOT track

• No Personal Info: We do not ask for or store your name, email, phone number, or address.
• No Bank Logins: We never ask for your banking credentials.
• No Individual Tracking: We look at overall trends, not individual user history.

1.3 Your Mortgage Numbers

The numbers you enter (loan amount, interest rate, term, split strategy) are processed in your browser to give you a result. We may analyze this data in aggregate to improve the calculators, but it is never linked to you personally.

1.4 New Zealand Privacy Act 2020

We operate in accordance with the New Zealand Privacy Act 2020. Since we do not collect PII (Personally Identifiable Information), we do not maintain a database of user records.

2. Disclaimer & Terms of Use

By using this website (including the Break Fee Calculator, Split Loan Calculator, Rate Tracker, Repayments Calculator, Blog, and any future features), you agree to the following terms.

2.1 Not Financial Advice (General Disclaimer)

This website is an educational and informational tool, not a financial adviser or a bank.

• No Professional Relationship: Using this site does not create a financial adviser-client relationship.
• Informational Only: The content, including blog posts and calculator results, is based on general market research and standard formulas. It does not take into account your personal financial situation or goals.
• Consult a Professional: Always consult with a qualified financial adviser or your bank before making changes to your loan structure (such as breaking a fixed term or splitting your loan).

2.2 Tool-Specific Disclaimers

• Break Fee Calculator: The figures provided are estimates only based on standard banking formulas. Actual break fees depend on your specific bank's policies (e.g., how they calculate wholesale rates) and your specific contract terms.
• Repayments & Split Loan Calculators: These tools provide simulations. Banks may use different methods to calculate interest (e.g., some use 360 days, others 365 days). Your actual bank repayments may differ slightly from the figures shown here.
• Rate Tracker: Interest rates change frequently. While we strive to keep data current, we do not guarantee the accuracy or timeliness of the rates displayed. Always verify the latest rates directly with the lender.

2.3 No Liability

The author and operator of this website are not liable for any financial loss, fees, or damages resulting from decisions made based on these tools or articles. You use this information at your own risk.
Verify Before You Act: Always ask your bank for an official quote or confirmation before making any financial commitments.

2.4 Blog Content

The articles and guides on this website represent the personal views and research of the author. They are for informational purposes only and should not be considered as professional advice. Market conditions and bank policies change over time; older articles may not reflect current rules.

3. Cookies and Analytics

This website uses "cookies" to collect standard internet log information in an anonymous form.

• Google Analytics: Tracks website traffic and usage trends.
• Microsoft Clarity: Helps us understand user behavior (like clicks and scrolling) to fix bugs and improve the interface.

By using this website, you consent to the processing of data by these providers.

4. Updates to this Policy

We may update this policy from time to time to reflect new tools or changes in regulations. Any changes will be posted on this page.