Privacy Policy

CALCPAD ACCOUNTING AND CONSULTING PROPRIETARY LIMITED
ABN 23 646 714 810
Trading as CALCPAD
calcpad.com.au

Effective date: 13 August 2026
Last updated: 13 August 2026

1. Purpose

CALCPAD ACCOUNTING AND CONSULTING PROPRIETARY LIMITED (ABN 23 646 714 810), trading as CALCPAD (CALCPAD, we, us, our), respects the privacy of individuals whose information we handle.

This Privacy Policy explains how CALCPAD collects, holds, uses and discloses personal information in connection with:

calcpad.com.au;
the CALCPAD online Platform;
Fractional CFO and advisory services;
risk management and strategy services;
calculators, assessments and business tools;
customer and prospective customer relationships; and
administration of our business.

CALCPAD intends to manage personal information consistently with applicable Australian privacy requirements and good privacy practice.

2. Personal information we may collect

Depending upon your relationship with CALCPAD, we may collect information including:

Identity and contact information

name;
organisation;
position or job title;
email address;
telephone number; and
business contact details.

Account information

username;
account identifiers;
access permissions;
authentication information; and
records relating to account activity.

Passwords should be stored using appropriate cryptographic protection rather than as readable plain text.

Business and financial information

Where relevant to a CALCPAD tool or professional engagement, information may include:

financial statements;
budgets and forecasts;
payroll and employment information;
taxation inputs;
business operating data;
contracts and commercial information;
risk and compliance information;
organisational information; and
information entered into calculators, assessments or models.

Some business information may not constitute personal information but may nevertheless be confidential.

Technical information

CALCPAD may collect:

IP address;
browser and device information;
login records;
security and audit logs;
date and time of access;
pages or functions used; and
diagnostic information.

Communications

We may retain emails, enquiries, support requests, meeting records and other correspondence where reasonably required for business purposes.

3. Information about third parties

Users may enter information about other people into CALCPAD, including employees, clients, suppliers or business contacts.

You should only provide another person's personal information where you have lawful authority to do so.

Where appropriate, users should minimise or de-identify personal information before entering it into analytical tools.

4. How we collect information

CALCPAD may collect information:

directly from you;
through the Platform;
when you create or administer an account;
through professional engagements;
through correspondence and meetings;
from your authorised representatives;
from publicly available sources;
from service providers acting on our behalf; and
automatically through ordinary website and system operation.

5. Why we use information

CALCPAD may use information to:

provide and administer the Platform;
perform calculations and generate reports;
provide Fractional CFO or other advisory services;
manage customer accounts;
respond to enquiries and support requests;
administer subscriptions and billing;
improve Platform functionality;
maintain security and investigate misuse;
maintain audit and transaction records;
comply with legal and regulatory obligations;
establish, exercise or defend legal rights; and
communicate with customers about CALCPAD services.

CALCPAD will not knowingly use confidential client information for an unrelated purpose without authority or another lawful basis.

6. Marketing

CALCPAD may communicate with existing or prospective clients concerning relevant CALCPAD services where permitted by law.

Recipients may opt out of electronic marketing communications using the unsubscribe mechanism provided or by contacting CALCPAD.

Operational, security, contractual or account-related messages may still be sent where necessary.

7. Disclosure of information

CALCPAD may disclose information where reasonably required to:

hosting and cloud infrastructure providers;
IT and cyber-security service providers;
accounting and payment service providers;
professional advisers;
contractors assisting CALCPAD to provide its services;
government, regulatory or law-enforcement bodies where required or authorised by law; or
another entity involved in a genuine corporate reconstruction, sale or acquisition, subject to appropriate confidentiality and legal safeguards.

Service providers should receive only the information reasonably necessary to perform their function.

CALCPAD does not sell personal information.

8. Artificial intelligence services

CALCPAD may use artificial intelligence or automated technologies to assist with particular services.

Before confidential or personal information is supplied to an external AI service, CALCPAD will consider the purpose, information involved and applicable privacy and confidentiality requirements.

CALCPAD will seek to minimise information supplied to external systems where practicable.

CALCPAD will not intentionally submit confidential client information for the purpose of training a publicly available AI model unless expressly disclosed and appropriately authorised.

9. Overseas processing

Some technology, cloud, software or professional service providers may process or store information outside Australia.

The countries involved may vary depending upon the service providers used by CALCPAD.

CALCPAD will assess material service providers and seek appropriate contractual, privacy and security protections before entrusting them with sensitive business information or personal information.

Current overseas processing locations: [to be confirmed when hosting and service-provider architecture is finalised].

10. Cookies and analytics

The CALCPAD website may use cookies and similar technologies required for:

authentication;
session management;
security;
user preferences;
performance monitoring; and
website analytics.

Where non-essential tracking or advertising technologies are introduced, this Policy and any applicable consent mechanism will be updated as appropriate.

11. Information security

CALCPAD uses administrative, technical and organisational measures intended to protect information against:

loss;
misuse;
unauthorised access;
unauthorised disclosure;
alteration; and
destruction.

Security controls are described further in the CALCPAD Data Security & Compliance Policy.

No internet-connected system can be guaranteed to be completely secure. Users should also maintain appropriate safeguards over their devices, passwords and account credentials.

12. Data retention and deletion

CALCPAD will retain information only for as long as reasonably required for:

providing services;
maintaining appropriate business and professional records;
contractual purposes;
security and audit requirements;
dispute management; and
compliance with legal obligations.

Information that is no longer reasonably required will, where appropriate, be securely deleted, destroyed or de-identified, subject to legal, backup and record-retention requirements.

Detailed retention periods will be incorporated into CALCPAD's records-management framework as the Platform develops.

13. Access and correction

You may request access to personal information CALCPAD holds about you or request correction of information you believe is inaccurate, incomplete or out of date.

CALCPAD may need to verify your identity before providing access or making a correction.

Access may be restricted where permitted or required by law, including where disclosure would unreasonably affect another person's privacy or disclose legally privileged or confidential information.

14. Privacy complaints

If you have a privacy concern, please contact CALCPAD using the details below.

CALCPAD will seek to:

acknowledge the concern;
investigate the circumstances;
provide an appropriate response; and
take corrective action where warranted.

Where applicable, individuals may also have rights to make a complaint to the Office of the Australian Information Commissioner (OAIC).

15. Data breaches

CALCPAD maintains processes for identifying, containing, assessing and responding to suspected data breaches.

Where the Notifiable Data Breaches scheme or another notification obligation applies, CALCPAD will assess whether notification to affected individuals, the OAIC or another authority is required.

16. Changes to this Policy

This Policy may be updated as CALCPAD's services, technologies, service providers and legal obligations develop.

The current version will be published on calcpad.com.au.

17. Contact

Privacy enquiries, access or correction requests and complaints may be directed to:

Privacy Officer
CALCPAD ACCOUNTING AND CONSULTING PROPRIETARY LIMITED
ABN 23 646 714 810
Trading as CALCPAD
Website: calcpad.com.au
Email: info@calcpad.com.au