Privacy Policy – MortgagePayAU

Effective Date: 1 April 2026

            MortgagePayAU is developed by Irradiated Solution. We are committed to protecting your privacy. This policy explains how we handle information when you use our app.
        

✅ MortgagePayAU does not collect, store, or transmit any personally identifiable information to external servers.

📊Information We Do Not Collect

MortgagePayAU is designed with privacy as a core principle. We do not collect:

Your name, email address, or contact details
Your financial information, loan details, or property values
Your location data
Device identifiers or advertising IDs
Usage analytics or behavioural data
Any data that could identify you personally

📱Data Stored on Your Device

All calculation data you enter remains exclusively on your device:

Calculation history — saved locally using SwiftData and iCloud (if enabled)
App preferences — stored in your device's local storage
Usage counter — tracks free calculation count locally only

This data is never transmitted to our servers or any third party.

💳In-App Purchases

MortgagePayAU offers optional paid upgrades:

Monthly subscription — $1.99 AUD/month
Lifetime purchase — $29.99 AUD (one-time)

All purchases are processed securely by Apple through the App Store. We do not receive or store your payment details. Apple's privacy policy governs all payment transactions.

☁️iCloud Sync

If you enable iCloud sync, your saved calculations may be stored in your personal iCloud account to sync across your Apple devices. This data is governed by Apple's Privacy Policy. Irradiated Solution does not have access to your iCloud data.

🔔Push Notifications

MortgagePayAU may send optional push notifications to alert you about RBA (Reserve Bank of Australia) interest rate changes. Notifications are delivered through Apple's Push Notification Service (APNs). You can disable notifications at any time in your iPhone Settings.

👶Children's Privacy

MortgagePayAU is intended for use by adults and property professionals. We do not knowingly collect information from children under the age of 13. This app is not directed at children.

🔄Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date. We encourage you to review this policy periodically. Continued use of the app after changes constitutes acceptance of the revised policy.

⚖️Disclaimer

MortgagePayAU provides mortgage calculations for informational and illustrative purposes only. Calculations are estimates based on the inputs provided and may not reflect actual loan terms offered by financial institutions.

Always consult a licensed mortgage broker, financial adviser, or lender before making any financial decisions. Irradiated Solution accepts no liability for decisions made based on calculations provided by this app.