Privacy Policy

This Privacy Policy explains how AutoCalc (“we”, “us”, “our”) handles personal information in connection with the AutoCalc platform.

AutoCalc is a business-to-business software platform designed for use by licensed mortgage brokers and finance professionals (“Brokers”). AutoCalc does not provide credit, financial advice, or recommendations, and does not deal directly with loan applicants or consumers.

We are committed to complying with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

AutoCalc operates as a software service provider that:

• extracts and structures income-related data from documents uploaded by Brokers;
• summarises income information into standardised data fields; and
• applies lender-specific borrowing capacity calculator logic to produce informational outputs.

AutoCalc:

• does not make lending decisions;
• does not recommend lenders or loan products;
• does not provide credit assistance or financial advice; and
• does not approve or decline loan applications.

Brokers remain solely responsible for:

• verifying client information;
• determining suitability of lenders or loan products; and
• providing any advice to their clients.

Depending on how the platform is used by a Broker, AutoCalc may handle personal information relating to loan applicants, including:

• name and contact details;
• employment and income information;
• financial information extracted from income documents (such as payslips, income statements, or tax records);
• borrowing capacity inputs and calculation outputs.

Broker account information

When Brokers sign in via Google, we collect their name, email address, and profile information provided by the Google authentication service. This information is used solely for account management and access control.

Important limitation

AutoCalc does not retain copies of original income documents uploaded by Brokers. Uploaded documents are used only for the purpose of extracting relevant data and are not stored once data extraction is completed.

AutoCalc does not intentionally collect or store:

• original payslips, income statements, tax returns, or similar documents;
• Tax File Numbers (TFNs) or TFN extracts; or
• unnecessary identity documents.

If a Broker uploads a document containing sensitive or high-risk information (such as a TFN), that information is not retained and is not used for any purpose.

AutoCalc collects personal information only via Brokers who upload documents or input data into the platform. We do not collect personal information directly from loan applicants.

Brokers must ensure that they:

• have obtained all required consents and authorities from their clients; and
• are authorised to provide personal information to AutoCalc for processing.

We collect and use personal information solely to:

• extract and structure income-related data;
• generate income summaries;
• apply lender borrowing capacity calculation logic;
• store calculation inputs and outputs for audit, record-keeping, and platform functionality; and
• provide Brokers with access to prior calculation results.

We do not use personal information for marketing to loan applicants or for unrelated secondary purposes.

AutoCalc uses artificial intelligence (AI) services to assist with extracting income-related data from uploaded documents. Specifically:

• Document parsing is performed using Amazon Bedrock, an AI service operated by Amazon Web Services (AWS) within the Sydney (ap-southeast-2) region.
• Uploaded documents are transmitted to the AI service solely for the purpose of data extraction and are not retained by the AI service after processing.
• AI-generated outputs (such as extracted income figures) are informational only and are subject to review and verification by the Broker.

No personal information is used to train AI models. Document content is processed in real-time and is not stored by the AI service.

All data processed and stored by AutoCalc is hosted on Amazon Web Services (AWS) infrastructure located within Australia (Sydney region).

We take reasonable steps to protect personal information from misuse, interference, loss, unauthorised access, modification, or disclosure, including through:

• secure cloud infrastructure;
• access controls and authentication measures; and
• internal data handling restrictions.

AutoCalc uses essential cookies to maintain authenticated sessions. These cookies are necessary for the platform to function and cannot be disabled.

We do not use advertising cookies, tracking cookies, or third-party analytics services.

We do not sell personal information.

Personal information may be disclosed only to:

• authorised personnel or contractors involved in operating the platform; or
• service providers (such as cloud infrastructure and AI processing providers) strictly for platform operation.

All third-party service providers operate within Australia. We do not disclose personal information to overseas recipients.

AutoCalc retains:

• extracted income data;
• calculation inputs; and
• calculation outputs,

for record-keeping, auditability, and service continuity purposes.

AutoCalc does not retain original uploaded documents once data extraction is completed.

Individuals may request access to, or correction of, personal information held by AutoCalc. As AutoCalc operates via Brokers, requests may be required to be made through the relevant Broker. Requests can be submitted by contacting us using the details below.

If you believe we have not handled personal information in accordance with this Privacy Policy or the Privacy Act, you may contact us to lodge a complaint. We will respond within a reasonable time and take appropriate steps to address the issue.

We may update this Privacy Policy from time to time. The latest version will be made available on the AutoCalc platform or website.