1. Who We Are

This website ("Buy vs Rent Calculator") is operated by Shan Ming Yang Limited, a company registered in New Zealand. We are committed to protecting your privacy and ensuring you have a positive experience on our website.

We comply with the Privacy Act 2020 and the 13 Privacy Principles set out by the Office of the Privacy Commissioner (NZ). This Privacy Policy explains how we collect, use, protect and disclose your personal information.

2. What Personal Information Do We Collect?

Analytics Information

We use Plausible Analytics, a privacy-friendly analytics service, to understand how visitors use our website. Plausible collects:

• Pages you visit
• Time spent on the site
• Referrer information
• Device and browser information

Important: Plausible does not use cookies and does not track you across other websites. We do not collect your name, email, or any personally identifying information through analytics.

Calculator Data

The calculator is fully client-side and runs entirely in your browser. We do not collect or store:

• Property prices you enter
• Interest rates or loan terms
• Rental amounts or other financial data
• Any calculations or results you generate

All calculator inputs and results remain on your device and are not transmitted to our servers.

Contact Form Data

If you contact us via our contact form, we collect:

• Your name
• Your email address
• Your message

This information is only used to respond to your inquiry.

3. Why Do We Collect This Information?

• Analytics: To understand how you use our website, improve user experience, and track performance
• Contact Information: To respond to your inquiries and provide support

4. Who Do We Share Your Information With?

We share your personal information with the following third parties that process user data:

• Plausible Analytics - Analytics provider (receives anonymised analytics data)

We use Netlify to host the website. However, no user personal information is knowingly transmitted to these services.

We do not sell your personal information to any third parties.

If we receive a court order or legal request for your information, we may be obligated to disclose it as required by law.

5. How Do We Protect Your Information?

We take the security of your personal information seriously:

• All data transmission is encrypted (HTTPS)
• Plausible Analytics does not use cookies and automatically anonymises IP addresses
• We limit access to personal information to authorised personnel only
• We regularly review our security practices

However, no method of transmission over the internet is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

6. How Long Do We Keep Your Information?

Analytics Data: Plausible Analytics retains data for 90 days by default. We do not store this data ourselves.

Contact Form Data: We retain your contact information only as long as necessary to respond to your inquiry, typically no longer than 30 days.

7. Your Privacy Rights

Under the Privacy Act 2020, you have the right to:

• Access: Request access to personal information we hold about you
• Correction: Request correction of any inaccurate or incomplete information
• Deletion: Request deletion of your personal information (where legally permissible)
• Opt-out: Opt out of analytics tracking by disabling JavaScript or using a privacy browser extension
• Complaint: Lodge a complaint with the Office of the Privacy Commissioner if you believe your privacy rights have been breached

To exercise any of these rights, please contact us using the details in Section 9.

8. External Links and Third-Party Services

Our website contains links to external websites and third-party services. We are not responsible for the privacy practices of these external sites. We encourage you to review the privacy policies of any third-party services before providing your personal information.

9. How to Contact Us

If you have questions about this Privacy Policy, wish to exercise your privacy rights, or have a privacy complaint, please contact us:

We will respond to your inquiry within 20 working days.

10. Complaint to the Privacy Commissioner

If you are not satisfied with our response to a privacy complaint, you may lodge a complaint with the Office of the Privacy Commissioner:

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. We will notify you of any material changes by updating the "Last updated" date at the top of this page. Your continued use of the website constitutes your acceptance of the updated Privacy Policy.