Privacy Policy

Last updated: 17 April 2026

This policy explains what information MortgageHelp collects when you use this site, how we use it, and the third-party services we rely on. We keep things simple because we only collect what we need to run the site.

Who we are

MortgageHelp (mortgagehelp.net.au) is a free Australian resource operated as a project of DecisionLab. You can contact us at hello@decisionlab.com.au.

Information we collect

MortgageHelp does not require you to create an account, sign up, or provide personal information to use any calculator or guide on this site. We do not operate a newsletter, lead-gen form, or membership system.

We collect two kinds of information automatically through standard web analytics and advertising services:

• Usage data — pages visited, time on site, referring URL, approximate location (country/state), device type, browser, and screen size. Collected via Google Analytics 4.
• Advertising identifiers — cookies and device identifiers used by Google AdSense to serve ads and measure performance. This may include whether ads are personalised based on your Google activity elsewhere.

Calculator inputs (e.g. loan amount, income, expenses) are processed entirely in your browser. We do not send or store calculator data on our servers.

How we use information

• To understand which pages are useful so we can improve them.
• To serve relevant ads through Google AdSense, which funds the site.
• To detect abuse (scraping, spam, denial-of-service) and protect the site.

We do not sell your data. We do not share analytics with third parties beyond the services named below.

Third-party services

MortgageHelp uses the following third-party services, each with their own privacy policies:

• Google Analytics 4 — anonymised site usage data. Google Privacy Policy.
• Google AdSense — displays ads on calculator and guide pages. AdSense uses cookies and device identifiers to serve personalised ads unless you opt out. Learn more at How Google uses data and manage your ad preferences at Google Ad Settings.
• Google Fonts — loads the site's typefaces. Google may log font requests.
• Netlify — hosts the site and records standard server request logs (IP address, user agent) for security and reliability.

Cookies

Cookies are small files stored in your browser. MortgageHelp uses cookies only through the third-party services above (Google Analytics, Google AdSense). We do not set first-party tracking cookies.

You can block or clear cookies via your browser settings. Disabling cookies will not prevent you from using calculators or reading guides, but some analytics and ad functionality will be limited.

Your rights under Australian law

Under the Australian Privacy Principles (APPs) set out in the Privacy Act 1988, you have the right to:

• Ask what personal information we hold about you (typically none, given we don't collect personally identifying data directly).
• Ask us to correct or delete any information we do hold.
• Complain to the Office of the Australian Information Commissioner (OAIC) if you believe your privacy has been breached.

Email hello@decisionlab.com.au to make a request. We respond within 30 days.

Children's privacy

MortgageHelp is intended for adults considering or managing a mortgage. We do not knowingly collect information from children under 13. If you believe a child has provided us with information, email us and we will remove it.

Data retention

We retain Google Analytics data for 14 months. Netlify server logs are retained per Netlify's standard policy. Email correspondence is retained for as long as needed to answer your enquiry, then deleted.

Changes to this policy

We may update this policy from time to time. Material changes will be noted at the top of this page with a new "last updated" date. Continued use of the site after changes means you accept the updated policy.

Contact

Questions about this policy? Email hello@decisionlab.com.au.