Privacy Policy

1. Introduction

This Privacy Policy (Policy) explains how Proppers manages your personal information. By accessing our website or using our property calculator service, you consent to the terms of this Policy, including consenting to us collecting, using and disclosing your personal information as set out in this Policy.

2. Who We Are

Proppers is a free property cost calculator service designed to help Australians understand the true costs associated with property purchases. We provide comprehensive calculations for stamp duty, LMI, loan repayments, and all associated expenses for properties across Australia.

Our service is designed to be simple, accurate, and completely free to use—no account required.

3. Application of Privacy Policy

Proppers operates in Australia and is bound by the Australian Privacy Principles and the Australian Privacy Act 1988 (Cth) (Australian Privacy Laws).

To the extent any personal information we collect relates to an EU resident or a California resident, each of the EU General Data Protection Regulation (GDPR) and California Consumer Privacy Act (CCPA) respectively apply.

4. How to Contact Us

If you have any questions about this Privacy Policy or our privacy practices, you can contact us at:

5. What Information We Collect

5.1 What is Personal Information

In this Policy, the term 'personal information' has the meaning given to it in the Privacy Act. In general terms, it is any information that can be used to identify an individual. This may include their name, contact details, property information, and financial information.

5.2 Information You Provide

When you use our property calculator, we may collect:

• Property Information: Property address, property type, purchase price, and property details you enter into the calculator
• Buyer Information: Buyer type (first home buyer, investor, etc.), residency status, and other details relevant to calculating costs
• Loan Information: Loan amount, deposit amount, interest rate, and loan term if applicable
• Contact Information: If you contact us, we may collect your name, email address, and any other information you provide in your message

5.3 Information We Collect Automatically

When you visit our website, we may automatically collect:

• Usage Data: Information about how you use our website, including pages visited, time spent on pages, and interactions with our calculator
• Device Information: Browser type, device type, operating system, and IP address
• Location Information: General location information based on your IP address (we do not collect precise location data)

5.4 Cookies and Tracking

We use cookies and similar tracking technologies to improve your experience, analyse usage patterns, and provide personalised content. You can manage cookie preferences through your browser settings. Please note that blocking cookies may affect your browsing experience.

The usage data we collect is generally not personally identifiable, but if it is linked to personal information, we will treat it as personal information in accordance with this Policy.

6. How We Use Your Information

We use your personal information for the following purposes:

• To provide and improve our property calculator service
• To calculate property costs, stamp duty, LMI, and other expenses based on your inputs
• To respond to your enquiries and provide customer support
• To analyse usage patterns and improve our website functionality
• To comply with legal obligations and protect our rights
• To prevent fraud and ensure the security of our service

We do not use your personal information for marketing purposes without your explicit consent.

7. Who We Share Your Information With

We may disclose your personal information to third parties in the following circumstances:

• Service Providers: We may share information with third-party service providers who help us operate our website, such as web hosting providers, analytics services, and IT support
• Legal Requirements: We may disclose information if required by law, court order, or government regulation
• Protection of Rights: We may disclose information to protect our rights, property, or safety, or that of our users
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity

We do not sell your personal information to third parties for marketing purposes.

8. Data Storage and Security

We take reasonable steps to protect your personal information from unauthorised access, use, modification, or disclosure. This includes:

• Using secure servers and encryption where appropriate
• Implementing access controls and authentication measures
• Regularly reviewing and updating our security practices
• Training our staff on privacy and security practices

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your personal information, we cannot guarantee absolute security.

9. Your Rights

9.1 Accessing Your Personal Information

You may request access to personal information we hold about you by contacting us. We will respond to your request within a reasonable period and will not charge for simply making a request. We may ask you to verify your identity before providing access.

9.2 Correcting Your Personal Information

We take reasonable steps to ensure that the personal information we collect is accurate, complete, and up-to-date. If you believe that personal information we hold about you is incorrect, incomplete, or inaccurate, you may request us to amend it.

9.3 Deleting Your Personal Information

You may contact us to request that we delete information that we hold about you. We will respond to your request within a reasonable period, subject to any legal obligations we may have to retain certain information.

9.4 Complaints

If you believe your privacy has been breached or have any feedback, questions, or concerns about our Privacy Policy or privacy practices, please contact us. We will investigate your complaint and respond within a reasonable time.

If you are not satisfied with the outcome of your complaint, you may contact the Office of the Australian Information Commissioner at www.oaic.gov.au or by calling 1300 363 992.

10. Information Transfers

We may disclose your personal information to entities located overseas, including:

• Our data hosting and cloud-based IT service providers
• Third-party analytics and service providers

We take reasonable steps to ensure that overseas recipients of your personal information do not breach the privacy obligations relating to your personal information.

11. Changes to This Policy

We may, from time to time, review and update this Privacy Policy, including taking account of new or amended laws, new technology, and/or changes to our operations. All personal information held by us will be governed by the most recent updated Privacy Policy.

Any updated versions of this Privacy Policy will be posted on our website. We encourage you to review this Policy periodically to stay informed about how we protect your personal information.

12. Links to Other Websites

Our website may contain links to other websites operated by third parties. We make no representations or warranties in relation to the privacy practices of any third party website and we are not responsible for the privacy policies or the content of any third party website. Third party websites are responsible for informing you about their own privacy practices.