Privacy Policy

1. Introduction

The Observable respects your privacy. This policy explains what information we collect, how we use it, and the choices available to you when using LoanMetric.

2. What We Collect

We take a minimal-data approach. Depending on use, we may collect:

• information entered into calculators (processed to generate results),
• usage data such as page interactions and feature usage, and
• device and browser information (for performance, reliability, and analytics).

3. How We Use Data

We use data to:

• improve calculator quality and reliability,
• improve user experience and product performance,
• monitor analytics and platform health, and
• support product development and troubleshooting.

We do NOT sell, rent, or trade your personal information.

4. Cookies and Analytics

We may use cookies and similar technologies, including analytics services (such as Google Analytics or Vercel Analytics), to understand site usage and improve performance. Cookies are small files stored by your browser that help websites function and measure usage patterns.

5. Data Storage

Calculator inputs are generally processed in real time to return results.

Inputs are not stored unless explicitly stated for a feature. Certain share links may temporarily store data so you can reopen or share the same scenario.

6. AI Processing

Some features use AI services to generate AI insights from your inputs. Please do not enter sensitive personal information. AI outputs may be processed by third-party providers to deliver responses.

For more context on calculations and financial calculator assumptions, see our methodology.

In simple terms

• We collect minimal data.
• We use it to improve the product.
• You stay in control through your browser and usage choices.

7. Third-Party Services

We rely on trusted third-party providers, which may include:

• hosting and infrastructure providers (for example, Vercel),
• analytics providers, and
• AI service providers.

8. Data Security

We take reasonable technical and organisational steps to protect information. However, no online system is completely secure, and we cannot guarantee absolute security.

9. User Rights and Choices

You can stop using the service at any time. You can also control or disable cookies through your browser settings.

10. Changes to This Policy

We may update this Privacy Policy over time to reflect product changes or operational needs. Continued use of the service indicates acceptance of the latest version.

11. Contact

For privacy-related questions, contact hello [at] theobservable.com.au.