Privacy policy

• Running a calculator needs no account. The figures you type in are worked out in your own browser - they are not sent to us or stored on our servers.
• Using the CalcStudio workspace, buying calculator access or applying for membership does need an account, and we hold the details you give us for those.
• We do not run advertising on this site, and we do not use analytics or third-party tracking. The only cookies we set are the ones that keep you signed in, and one that remembers how much of the free calculator preview you have used.
• We do not sell your information to anyone.

You do not need to give us anything to run a calculator. You do give us information when you set up an account or use the parts of the service that need one:

• Your account: your email address and password, plus a display name and profile image if you choose to add them. Passwords are handled by our sign-in provider and are never visible to us.
• Membership applications: your full name and your adviser registration details, such as your FSP number, FAP number, FAP name and aggregator, so we can confirm you are a registered adviser.
• Billing: subscriptions are processed by Stripe. Your card details go to Stripe and never reach our servers. We keep your customer reference and subscription status so we know what your account has access to.
• Your branding: the logo, colours, business details and disclaimer you add to your calculators. These are shown publicly on your embedded calculators, which is their purpose.
• Documents you upload: files you upload to the adviser tools, which may contain your clients' information. Only your account can access them.
• Messages: whatever you put in the contact form or an email to us, such as your name, email, company, phone number and question, so we can reply. We do not add you to a marketing list.

We do not use Google Analytics, advertising networks or any third-party tracking on this site. The only information collected without you typing it is the following:

• Server logs: our hosting and database providers keep standard web-server logs, such as IP address, browser type and the pages requested, for security and reliability. Nearly all web servers do this.
• Embedded calculator checks: when one of your calculators loads on your website, we check the requesting domain against the domains authorised for your account, and count the load against your account so we know which of our calculators are being used and where. That check records your account, the calculator and the website address, and the day - not the visitor. We do not set a cookie on your visitors and we store nothing that identifies them.
• Free preview use: how much of the free calculator preview has been used in your browser, kept in a cookie holding a random value so the allowance survives a page refresh. It tells us nothing about who you are. The preview applies only when you are signed out - once you have an account the calculators are free to use without limit, so there is nothing left to count and nothing about your calculator use is recorded against your account.

Cookies are small files a website can store in your browser. This site sets two kinds, both of them ours and both essential to the service:

• Staying signed in: the cookies that keep you signed in to your account. Without them you would be signed out on every page.
• The free calculator preview: one cookie that remembers how much of the free preview you have used, so refreshing the page does not hand out a fresh allowance. It holds a random value and nothing else - no name, no email, nothing that says who you are - and we do not use it to identify you.

Both are set by CalcStudio itself rather than by anyone else, and neither is used for advertising, analytics, profiling or building a picture of you, and neither is shared with any other party. We set no advertising cookies and no analytics cookies.

You can block or delete cookies at any time in your browser settings. The calculators will still work, but you will not be able to stay signed in to an account, and the free preview allowance will start again from the beginning each time you visit. Signed in, there is no preview limit at all.

The service relies on a small number of providers to function. Each operates under its own privacy policy:

• Supabase: our database, sign-in and file storage.
• Stripe: payments and subscription billing.
• Vercel: hosting and delivery of the website.
• Resend: sending service email, such as replies to your enquiry and account notifications.
• OpenAI: where you use the AI adviser tools, the text and documents you submit are sent to OpenAI to produce the response. Do not put information into those tools that you are not comfortable sending to a third-party AI provider.

Fonts and code are served from this site rather than from a third-party font or script network, so loading a page does not call out to those services.

We keep your account details, branding and billing records for as long as your account is open, and for as long afterwards as we need them for tax and accounting obligations.

Documents uploaded to the adviser tools expire automatically six months after upload. Messages you send us are kept for as long as we need them to deal with your question. If you would like your account or your past correspondence deleted, ask us and we will remove it.

The New Zealand Privacy Act 2020 gives you the right to ask what personal information an organisation holds about you, and to ask for it to be corrected. Contact us and we will tell you what is held against your account, correct anything that is wrong, or delete it where we are not required to keep it.

CalcStudio is a business tool intended for financial advisers and businesses, and accounts are not directed at children. The calculators themselves can be used by anyone without an account and collect no personal information, so a young person using an embedded calculator tells us nothing about who they are. The only thing stored is the free-preview cookie described above, which holds a random value.

If this policy changes, the updated version will be posted here with a new review date. Where a change materially affects how we handle your information, we may also tell account holders by email.

If you have any question about privacy on this site, please contact us. You can also read our terms of use.