Privacy Policy
1. Information We Collect
1.1 Information you provide voluntarily
We do not collect any personal information. Our calculators process all data locally in your browser. The income, age, citizenship, and other details you enter into our affordability calculator and CPF grant checker never leave your device. We have no registration, no login, and no database that stores your inputs or results.
If you contact us by email (hello@hdbcalculator.com), we receive your email address and whatever information you choose to include in your message. We use this only to respond to your inquiry and do not add it to any marketing list.
1.2 Information collected automatically
Like most websites, we use standard analytics tools that may collect non-personally-identifiable information such as:
- Browser type and version
- Operating system
- Referring URL and pages visited
- Time and date of visit
- Country and city-level geographic location
- Device type (desktop, mobile, tablet)
This data is aggregated and cannot be used to identify you personally. We use it to understand how visitors use the site so we can improve it.
2. Cookies
Cookies are small text files stored on your device by your web browser. Our site may use the following types of cookies:
2.1 Essential cookies
We do not use any first-party essential cookies. Our site functions fully without cookies.
2.2 Analytics cookies
We may use analytics services (such as Google Analytics) that set cookies to track usage patterns. These cookies collect anonymous data about how visitors interact with our site. You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.
2.3 Advertising cookies
We display advertisements through Google AdSense. Google and its advertising partners use cookies to serve ads based on your prior visits to our site and other websites. These cookies enable Google and its partners to show you personalized advertisements.
Google's use of advertising cookies enables it and its partners to serve ads based on your visit to our site and/or other sites on the Internet. You may opt out of personalized advertising by visiting Google Ads Settings. Alternatively, you can opt out of third-party cookies used for personalized advertising at www.aboutads.info.
2.4 Managing cookies
Most web browsers allow you to control cookies through their settings. You can usually find these settings in the "Preferences" or "Options" menu. You can delete existing cookies and block future cookies. Note that blocking cookies may affect how some websites function.
3. Third-Party Services
3.1 Google AdSense
We use Google AdSense to display advertisements on our site. Google AdSense is an advertising service provided by Google LLC. Google uses cookies and web beacons to collect data about how you interact with advertisements. This data may include:
- IP address
- Browser type
- Pages visited
- Time spent on pages
- Ad clicks
Google's privacy policy is available at https://policies.google.com/privacy.
3.2 Google Analytics
We may use Google Analytics to understand site traffic and usage patterns. Google Analytics collects information such as how often users visit, what pages they visit, and what other sites they used prior to coming to ours. Google's ability to use and share information collected by Google Analytics is governed by the Google Analytics Terms of Service and Google's Privacy Policy.
3.3 Third-party links
Our site may contain links to other websites, including HDB, CPF Board, and MAS websites. We are not responsible for the privacy practices of these external sites. We encourage you to read the privacy policies of any site you visit through our links.
4. Data Protection & Security
Since we do not collect or store your personal data (your calculator inputs stay on your device), there is no personal data for us to protect. For email communications, we handle your information responsibly and securely. However, no method of electronic transmission or storage is 100% secure, and we cannot guarantee absolute security.
5. Children's Privacy
Our services are not directed at individuals under the age of 13. We do not knowingly collect personal information from children. If you are a parent or guardian and believe your child has provided us with personal information, please contact us so we can delete it.
6. Your Rights
Depending on your jurisdiction, you may have rights under data protection laws, including the GDPR (EU/EEA), PDPA (Singapore), and CCPA (California). These may include the right to:
- Access personal data we hold about you (note: we hold none)
- Request correction or deletion of personal data
- Object to or restrict processing of your data
- Data portability
- Withdraw consent for cookie use
- Lodge a complaint with a supervisory authority
Since we do not collect personal data, most of these rights are not applicable. For any privacy-related enquiries, please contact us.
7. Changes to This Policy
We may update this privacy policy from time to time. Changes will be posted on this page with an updated "Last updated" date. We encourage you to review this page periodically. Continued use of the site after changes constitutes acceptance of the updated policy.
8. Data Protection Officer (DPO)
In accordance with the Personal Data Protection Act 2012 (PDPA) of Singapore, we have designated a Data Protection Officer responsible for overseeing data protection matters for this site.
To exercise your data rights under the PDPA, or for any privacy-related enquiries, please contact our DPO at:
Data Protection Officer
Email: hello@hdbcalculator.com
Website: https://hdbcalculator.com/
We will respond to all data protection enquiries within 30 days in accordance with PDPA requirements.
9. Contact
For general questions about this privacy policy, you can also reach us at the above DPO contact details or via our Contact page.