Privacy Policy

1. Information you type into the calculators

The loan amounts, interest rates and terms you enter are processed entirely in your browser to work out the results. They are not sent to our servers and we cannot see them. So that a return visit can pick up where you left off, your last scenario (loan amount, rate, term and deposit — numbers only, no personal details) is saved in your browser's own local storage on your device. You can clear it any time by clearing your browser data.

2. Analytics

We use Umami, an open-source analytics tool that we run on our own server. It is cookieless and does not track you across other websites or build a profile of you. It records anonymous, aggregate information such as page views, country/region, browser type, and which calculators are used. This runs only on the live site. We do not use Google Analytics or any other third-party tracker.

3. Cookies and local storage

We do not use tracking cookies. We use your browser's local storage only for your last calculator scenario and your light/dark theme preference. These stay on your device and are never sent to us.

4. Contact form and feedback prompt

If you use the form on our contact page, the name, email address and message you type are handled by our own contact service at contact.lefty23.co.za and read in a mailbox operated by Google, which means the message is stored outside South Africa by a processor bound by its own data protection commitments, as section 72 of POPIA permits. We use it only to reply to you.

Some pages show an optional prompt asking whether the calculator was useful. If you answer, we record the page, your rating, the reason you pick, any text you type and the time. It goes to our own automation server at auto.lefty23.co.za, on a server we rent from Hetzner in Helsinki, Finland, is written to a private Google Sheet that we review by hand, and a short notification reaches us through Telegram. Please do not type anything personal into it.

5. Website hosting and logs

Our site is hosted on Cloudflare Pages. Like all web hosts, Cloudflare automatically processes technical information such as your IP address and browser request in order to deliver the site and protect it from abuse. This is standard hosting activity — see Cloudflare's own privacy policy for details.

6. Links to other websites (including affiliate links)

Some pages link to third parties such as banks, lenders or comparison services. Some of these are affiliate links — if you click through and take up a product, we may earn a commission at no extra cost to you. We label these clearly on the page. Once you click a link and leave our site, the other company's privacy policy and cookies apply, not ours, and they may track you independently. We have no control over how they use your information. Affiliate arrangements never change the numbers our calculators produce. See our affiliate disclosure.

7. What we do NOT do

We do not: ask for personal information to use the calculators; create user accounts; sell or rent data; run a mailing list from this site; or take payments.

8. Your POPIA rights

You have the right to ask what information we hold, to have it corrected or deleted, and to object to processing. Because we don't collect personal details, there is usually nothing for us to hold — but if you have a question, contact us below. You may also complain to the Information Regulator (South Africa) at inforegulator.org.za.

9. Contact

CalcLoan is operated by Lefty23 (Pty) Ltd, registration number 2026/706220/07, a private company registered in South Africa and based in Cape Town; its postal address is available on request from privacy@lefty23.co.za. Under POPIA the company is the responsible party for the personal information processed on this site. Its Information Officer is the director of Lefty23 (Pty) Ltd, registered with the Information Regulator under registration 2026-066332 and reachable at privacy@lefty23.co.za. Our PAIA manual, which sets out how to request access to records we hold, is published at lefty23.co.za/paia/. If you are unhappy with our response you may complain to the Information Regulator (South Africa) at enquiries@inforegulator.org.za. Questions about this policy or your information: support@calcloan.co.za.

10. Changes

We may update this policy. The "last updated" date above shows when it last changed.