Privacy Policy

App Name: FixOrFloat

1. Our Commitment to Privacy

At FixOrFloat, we respect the privacy of our users. We understand that your financial position is sensitive information. This Privacy Policy outlines how we handle your data, our commitment to "local-first" processing, and the specific circumstances under which information is shared.

2. The "Local-First" Guarantee (Calculator Usage)

We have designed FixOrFloat as a privacy-first utility.

• Local Processing: All mortgage calculations, offset simulations, and break-cost scenarios are performed locally on your device’s processor.
• No Server Storage: We do not store, log, or back up your loan amounts, interest rates, bank balances, or offset figures on our servers.
• Anonymity: You can use the calculator features indefinitely without creating an account or providing your name or email address.

3. Information You Voluntarily Provide (Broker Requests)

We only collect personal information when you explicitly choose to engage with a professional service via the app (e.g., clicking "Request Official Quote", "Check Eligibility", or "Contact Broker").

If you initiate this request, the following data points currently entered in the app will be packaged and transmitted:

• Loan Details: Loan balance, current rate, fixed term expiry, and offset balance.
• Contact Information: Name, email address, and phone number (if prompted).
• Scenario Data: The specific savings calculation or break-fee scenario you were viewing.

Purpose of Collection: This data is collected solely to facilitate a preliminary assessment by an authorized mortgage broker.

4. Third-Party Data Transmission

To provide our services, we use trusted third-party technologies.

• Transmission Service: When you submit a request, your data is securely transmitted via EmailJS (or similar API services) directly to our partner mortgage brokerage team.
• No Resale: We do not sell your data to marketing agencies, data aggregators, or unauthorized third parties. Your information is strictly routed to qualified mortgage professionals for the purpose of reviewing your loan structure.

5. Compliance with Australian Privacy Principles (APP)

FixOrFloat operates in compliance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APP).

• Access & Correction: You have the right to request access to the personal information we hold about you (if any) and ask for corrections.
• Complaints: If you believe we have breached the Australian Privacy Principles, please contact us immediately.

6. Data Security

While no digital transmission is 100% secure, we utilize industry-standard encryption (SSL/TLS) during the transmission of your quote request. Once the data is received by the broker, it is subject to their professional privacy standards and confidentiality obligations.

7. Contact Us

If you have any questions about this Privacy Policy, please contact us at:

hello@daox.studio