Privacy Policy

Effective date: 17 May 2026  |  Last reviewed: 17 May 2026

This Privacy Policy explains how Money Snap ("we", "us", "our") collects, uses, discloses, and protects personal information when you visit money-snap.com (the "Site") and use any calculator, tool, or content on it.

This Policy is designed to meet our obligations under the privacy and data-protection laws of the markets we serve, including:

• the EU General Data Protection Regulation (GDPR) — Ireland;
• the UK General Data Protection Regulation and Data Protection Act 2018 — United Kingdom;
• the Privacy Act 1988 and Australian Privacy Principles — Australia;
• the Personal Data Protection Act 2012 (PDPA) — Singapore;
• the Privacy Act 2020 — New Zealand;
• the Protection of Personal Information Act (POPIA) — South Africa;
• the Personal Information Protection and Electronic Documents Act (PIPEDA) and Quebec Law 25 — Canada;
• the Personal Data (Privacy) Ordinance (PDPO) — Hong Kong.

1. Who we are

Money Snap provides free online financial calculator tools and general financial information covering Australia, Singapore, New Zealand, Ireland, South Africa, Canada, the United Kingdom, and Hong Kong.

For the purposes of EU/UK GDPR, Money Snap is the "controller" of personal information collected through the Site. For the purposes of POPIA, we are the "responsible party". For the purposes of PIPEDA and equivalent laws, we are the "organisation" responsible for personal information collected through the Site.

You can contact us about this Policy or about your data at privacy@money-snap.com.

2. What information we collect

We only collect the information we need to operate the Site, understand how it is used, and comply with our legal obligations. The information we collect falls into the following categories.

2.1 Information collected automatically

When you visit the Site, our analytics providers automatically collect:

• Device and technical data: IP address (truncated where supported), device type, operating system, browser type and version, screen resolution, language settings;
• Usage data: pages viewed, time on page, scroll depth, click events, referring URL, exit pages, session duration;
• Approximate location: country and city derived from your IP address (we do not collect precise GPS location);
• Search query data: aggregated, anonymised search queries that led to the Site, supplied by Google Search Console and Bing Webmaster Tools.

2.2 Information you give us

If you choose to contact us, subscribe to a mailing list (if offered), or submit a form, we collect the information you provide — typically your name, email address, and the content of your message.

2.3 Information we do NOT collect

• We do not collect financial account details, bank credentials, tax file numbers, national identifiers, or government ID numbers;
• We do not collect special-category / sensitive personal data (health, biometric, racial, political, religious, sexual orientation, trade-union data);
• We do not require you to create an account to use any calculator.

3. Calculator inputs — processed in your browser

All Money Snap calculators run entirely in your browser using JavaScript. The figures you enter — including income, expenses, mortgage amounts, savings, ages, and any other inputs — are not transmitted to our servers, not stored by us, and not visible to us.

Calculator inputs may be temporarily held in your browser's local storage or session storage to preserve your inputs if you reload the page. This data stays on your device and you can clear it at any time by clearing your browser data.

Analytics providers may, however, record that a calculator was used and how long you spent on the page. They do not receive your numeric inputs.

4. How we use your information

We use the information described in Section 2 for the following purposes:

• To operate and improve the Site — including monitoring performance, debugging errors, and improving calculator accuracy and content quality;
• To understand audience behaviour — for example, which calculators are most used, where users come from, and which content needs improvement;
• To respond to enquiries — when you contact us;
• To comply with legal obligations — including tax, accounting, fraud-prevention, and regulatory record-keeping;
• To protect the Site — including detecting and preventing abuse, scraping, fraud, and security incidents;
• To measure marketing performance — including search performance via Google Search Console and Bing Webmaster Tools.

5. Legal bases for processing (GDPR / UK GDPR / Ireland / UK)

If you are in the European Economic Area or the United Kingdom, we rely on the following legal bases for processing your personal data under GDPR / UK GDPR:

Where we rely on legitimate interests, you have the right to object — see Section 12.

6. Cookies & similar technologies

A cookie is a small text file stored on your device that helps a website remember information about your visit. We use cookies and similar technologies (local storage, pixels, web beacons) for the following purposes:

If you are in the EU, the UK, or another jurisdiction that requires opt-in consent for non-essential cookies, our cookie banner asks for your consent before setting analytics or marketing cookies. You can change your preferences at any time using the cookie-settings link in the Site footer.

You can also block or delete cookies directly in your browser. Doing so will not prevent you from using the Site, but some features may not work as expected.

7. Third parties we share data with

We do not sell your personal information. We share limited data only with the following categories of recipients, in each case under appropriate contractual and technical safeguards:

We may also share or transfer data in the event of a sale, merger, restructure, or asset transfer of the Money Snap business — in which case the acquirer will be required to handle your data in a manner consistent with this Policy.

8. International data transfers

Money Snap is operated from outside the European Economic Area and the United Kingdom. Some of our service providers (notably Google and Microsoft) process data in the United States and other countries.

Where personal data is transferred out of the EEA, UK, Australia, Canada, or another jurisdiction with cross-border transfer restrictions, we rely on appropriate safeguards permitted under the applicable law, which may include:

• Standard Contractual Clauses approved by the European Commission and/or the UK Information Commissioner's Office;
• Adequacy decisions where applicable (e.g., the EU–US Data Privacy Framework, where the recipient is certified);
• Contractual data-processing terms with each provider that mirror the protections of GDPR / UK GDPR / POPIA / PIPEDA;
• For Australian users — disclosures permitted under Australian Privacy Principle 8;
• For South African users — protections required under sections 72 of POPIA;
• For Canadian / Quebec users — transfer safeguards required under PIPEDA and Quebec Law 25.

You can request a copy of the relevant safeguards by emailing privacy@money-snap.com.

9. How long we keep data

We keep personal information only for as long as we need it for the purposes set out in this Policy, or for as long as required by law.

10. How we protect your information

We take reasonable and appropriate technical and organisational measures to protect personal information against unauthorised access, alteration, disclosure, or destruction. These measures include:

• HTTPS / TLS encryption for all traffic to and from the Site;
• Access control on administrative accounts (strong passwords, multi-factor authentication where supported);
• Regular software and plugin updates;
• Use of reputable third-party providers with their own enterprise-grade security;
• Data minimisation — we only collect what we actually need.

While no method of internet transmission or electronic storage can be guaranteed to be completely secure, we take the security of your data seriously and use industry-standard safeguards to protect it. If we become aware of a personal data breach that is likely to result in a risk to your rights and freedoms, we will notify the relevant supervisory authority and, where required, affected individuals, in accordance with applicable law.

11. Children's privacy

The Site is not directed at children, and we do not knowingly collect personal information from anyone under the age of 16 (or the age set by the data-protection law of your country, if higher). If you believe a child has provided us with personal information, please contact us and we will delete it.

12. Your privacy rights

Depending on where you live, you have some or all of the following rights in relation to your personal information. We will respond to verified requests within the timeframes required by the applicable law.

• Right of access — to ask what personal information we hold about you and receive a copy;
• Right to rectification / correction — to have inaccurate data corrected;
• Right to erasure / deletion — to ask us to delete your data, subject to legal exceptions;
• Right to restrict or object to processing — including objecting to processing based on legitimate interests;
• Right to data portability — to receive data you provided in a structured, commonly-used format;
• Right to withdraw consent — where processing is based on consent, you may withdraw it at any time without affecting prior lawful processing;
• Right not to be subject to solely automated decision-making with legal or similarly significant effects (we do not make such decisions);
• Right to lodge a complaint with a supervisory authority (see Section 13).

To exercise any of these rights, email privacy@money-snap.com. We may need to verify your identity before responding. Exercising these rights is free of charge, unless your request is manifestly unfounded or excessive.

13. Market-specific rights & complaint channels

In addition to the rights above, the following market-specific rules apply.

Australian users. If you believe we have breached the Australian Privacy Principles, please contact us first at privacy@money-snap.com. If your complaint is not resolved, you may complain to the OAIC.

Singapore users. You may withdraw consent to the collection, use, or disclosure of your personal data at any time by contacting us, subject to legal or contractual restrictions.

South African users (POPIA). You have the right to object to processing, the right to lodge a complaint with the Information Regulator, and the right to institute civil proceedings in respect of an alleged interference with the protection of personal information.

Canadian users (PIPEDA / Quebec Law 25). Quebec residents have additional rights, including the right to data portability and the right to be informed of any automated processing that produces effects of a legal or similar nature. We do not engage in such automated decision-making.

UK and Ireland users. You have the right to lodge a complaint with the ICO (UK) or the Data Protection Commission (Ireland) if you believe your data has been processed in breach of UK GDPR or EU GDPR.

California and other US residents. Although the Site is not directed at the US market, if you access the Site from California or another US state with a comprehensive privacy law (such as CCPA / CPRA), you may have additional rights including the right to know, delete, and opt out of any "sale" or "sharing" of personal information. We do not sell personal information.

14. Do Not Track & Global Privacy Control

Some browsers send a "Do Not Track" (DNT) signal or Global Privacy Control (GPC) signal. There is no universal standard for how websites should respond to DNT signals, and we currently do not change our behaviour based on DNT. Where required by applicable law (for example, in certain US states), we treat a GPC signal as a valid opt-out request for the sale or sharing of personal information.

15. Changes to this Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other operational reasons. The "Effective date" at the top of this page shows when the current version took effect.

Material changes will be effective when posted on this page. Your continued use of the Site after a change takes effect constitutes acceptance of the updated Policy. If you do not agree to the updated Policy, you must stop using the Site.

16. Contact us

If you have questions about this Privacy Policy or want to exercise any of your rights:

• Email: privacy@money-snap.com
• General contact: hello@money-snap.com

We will respond within the timeframes required by the applicable data-protection law — typically within 30 days, and within shorter periods where required by GDPR, UK GDPR, or other laws.

Summary. Calculator inputs stay in your browser. We use analytics to understand how the Site is used. We don't sell your data. You can email privacy@money-snap.com at any time to access, correct, or delete your information, or to lodge a complaint.