Privacy Policy & Terms of Use

1. Privacy Policy

1.1 Who We Are (Operator)

Operator: Valentine Web Solutions
Contact: See Section 8

1.2 Privacy Laws

The Site is intended for users in Australia. We are subject to the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs) where applicable.

1.3 Information We Collect

We do not collect personal information directly from you. Any data collected is limited to anonymous or aggregated usage statistics via third-party services.

A) Information processed locally (not stored by us)

• Calculator inputs: Salary figures, hours, deductions, and similar entries are processed in your browser to show results. We do not intentionally store these entries on our servers.

B) Automatically collected information (via third parties)

• Device/technical data: Browser type, device type, operating system, approximate location (e.g., city/region), and similar technical signals.
• Usage data: Pages visited, time on site, interactions with calculators and links.
• Identifiers: IP address and cookie/advertising identifiers may be collected by analytics/advertising providers when enabled (pseudonymised where possible).

1.4 How We Collect Information

• Cookies and similar technologies (see Section 2)
• Server logs (basic security and operations logging)
• Third-party services such as Google Analytics and Google AdSense (see Section 3)

1.5 Why We Use Information

• Operate the Site: Deliver calculator functionality and maintain site security.
• Analytics: Understand site usage so we can improve calculators and content.
• Advertising: Display ads to support the free service.
• Compliance: Meet legal and operational requirements where applicable.

1.6 Consent

We do not collect personal information that requires consent under the Privacy Act. For non-essential cookies (analytics and advertising), we use a cookie banner where required or appropriate. You can manage preferences or disable cookies via your browser.

1.7 Sharing and Third Parties

We may share anonymised data with:

• Analytics providers: e.g., Google Analytics (when enabled).
• Advertising providers: e.g., Google AdSense and their partners (when enabled).
• Service providers: Hosting/CDN or security providers who help run the Site.

We do not sell personal information.

1.8 International / Cross-Border Processing

Some third-party providers (e.g., Google) may process data on servers located outside Australia (e.g., in the United States). Such transfers are covered by appropriate safeguards (e.g., standard contractual clauses or adequacy decisions).

1.9 Retention

• Calculator inputs: Not intentionally stored by us (processed locally in your browser).
• Analytics/advertising data: Retained by the relevant provider based on their policies.
• Server logs: Kept for a limited period for security and operations, then deleted or anonymised.

1.10 Your Privacy Rights (Australia)

Under the Privacy Act and APPs, you may have rights to access or correct personal information we hold about you (if any). In practice, we do not hold identifiable personal information.

To make a request or complaint, contact us using Section 8. If unsatisfied, you may contact the Office of the Australian Information Commissioner (OAIC).

1.11 Children

This Site is not directed to children under 16. If you believe a child has provided information, contact us.

1.12 Changes to This Policy

We may update this page from time to time. The “Last Updated” date shows when changes were last made. Continued use of the Site after updates means you accept the updated terms.

2. Cookie Policy

2.1 What Are Cookies?

Cookies are small text files stored on your device. Similar technologies (like local storage, pixels, and SDKs) may also be used for analytics and advertising.

2.2 Types of Cookies We Use

Essential Cookies (Always Active)

• Purpose: Basic site functionality, security, load balancing, and remembering preferences needed for the Site to work.
• Consent: Not optional because they’re required to provide the service.

Analytics Cookies (Optional)

• Example provider: Google Analytics
• Purpose: Understand traffic and usage patterns (e.g., which pages/calculators are popular).
• Examples: _ga, _ga_*, (and similar identifiers depending on configuration)
• Consent: Enabled only if you accept analytics cookies in the cookie banner (where used).

Advertising Cookies / Identifiers (Optional)

• Example provider: Google AdSense
• Purpose: Deliver ads, measure ad performance, and (if enabled) show more relevant ads based on interests.
• Consent: Enabled only if you accept advertising cookies in the cookie banner (where used).

2.3 Managing Cookies

A) Cookie Banner (if enabled)

When you visit the Site, you may see a cookie banner allowing you to:

• Accept all cookies
• Reject non-essential cookies
• Customize preferences (analytics vs advertising)

B) Browser Controls

You can control cookies via your browser settings. Disabling some cookies may affect site functionality.

3. Advertising & Analytics

3.1 Google Analytics

If enabled, we use Google Analytics to understand how the Site is used. Google Analytics may collect device, browser, and usage information and set cookies/identifiers on your device.

Analytics opt-out

• Google Analytics Opt-out Browser Add-on: Open tool

3.2 Google AdSense (Ads)

We may display ads via Google AdSense. AdSense and its partners may use cookies/identifiers to measure ad performance and, if enabled, support interest-based (personalized) advertising.

Ad personalization controls

• Google Ad Settings: Manage ad personalization

3.3 Interest-Based Advertising Opt-Out (Australia)

You can opt out of interest-based advertising from participating companies using Your Online Choices tools in Australia. This does not block ads — it reduces interest-based targeting.

• Your Online Choices (Australia) opt-out tools: Open Your Online Choices

3.4 Do Not Track / Global Privacy Controls

Some browsers offer privacy signals (e.g., “Do Not Track”). Because standards vary, we may not respond to every signal in every context. You can still manage cookies via the banner (if available) and your browser settings.

4. Terms of Use

4.1 Acceptance of Terms

By accessing and using Salary After Tax Australia (the “Site”), you agree to be bound by these Terms of Use and all applicable laws. If you do not agree, do not use the Site.

4.2 Description of Service

We provide free online tools and content, including:

• Salary conversions (annual/hourly/weekly/daily)
• Estimates of federal income tax and Medicare levy take-home pay
• Budgeting and planning calculators

4.3 User Responsibilities

You agree to:

• Use the Site for lawful purposes only
• Provide accurate inputs to get meaningful estimates
• Not misuse, disrupt, or attempt to access the Site’s systems
• Not scrape, crawl, or use automated tools excessively without permission

4.4 Intellectual Property

Site content, calculator logic, design, and text are owned by Valentine Web Solutions (or its licensors) and protected by applicable laws. You may not copy, reproduce, or redistribute without permission (except as permitted by law).

4.5 Prohibited Uses

You may not:

• Reverse engineer or attempt to extract source logic from the calculators (beyond what is publicly visible in the browser)
• Use the Site to distribute malware or harmful code
• Impersonate the Site or misrepresent affiliation
• Use the Site in a way that interferes with other users

4.6 Service Availability

We aim for reliable access but do not guarantee uninterrupted availability. We may modify, suspend, or discontinue parts of the Site at any time.

4.7 Changes to Terms

We may update these Terms from time to time. Updates will be posted on this page with a revised “Last Updated” date. Continued use means you accept the updated Terms.

4.8 Termination

We may restrict or suspend access if we believe you are violating these Terms or misusing the Site.

4.9 Governing Law

These Terms are governed by the laws of Australia (Commonwealth) and, to the extent applicable, the laws of the State of New South Wales.

5. Links to and from Other Websites

This Site may link to third-party websites. Links are provided for convenience only and do not imply endorsement. If you visit external sites, you do so at your own risk and subject to their terms and privacy practices.

You may link to this Site provided that:

• You do not suggest endorsement or affiliation without written permission
• You do not misrepresent your relationship with the Site
• Your linking site does not contain unlawful or infringing content

6. Financial Disclaimer

6.1 Informational Purpose Only

The Site provides informational tools and general information. You should not rely on calculator results as a substitute for professional advice.

6.2 Accuracy Limitations

Calculations:

• Are based on general rules and assumptions and may not reflect your specific situation
• May not include all offsets, deductions, benefits, surtaxes, or special cases
• May differ from official payroll or tax results
• May become outdated as federal rules change

6.3 No Liability

To the fullest extent permitted by law, we are not liable for decisions, losses, damages, penalties, or missed opportunities arising from use of the Site or reliance on results.

6.4 Verify with Official Sources

For official guidance, refer to the Australian Taxation Office (ATO). For important decisions, consult a qualified professional.

7. Donations

We may accept voluntary donations (e.g., via third-party platforms such as Buy Me a Coffee).

Donations are optional. Payment processing is handled by the third-party platform and we do not store your payment card details on this Site.

8. Contact Information

Privacy / Terms enquiries:
Email: hello@valentinewebsolutions.co.uk