Privacy Policy & Disclaimer

I built Breakfee NZ to help you understand break fees without the complexity.

To make sure the tool is working correctly, I use analytics to track how the site is used. I am not interested in your personal identity, and I do not collect any personal data that can identify you.

1. What we track

We use anonymous analytics (Google Analytics and Microsoft Clarity) to understand:

• If the calculator is functioning correctly.
• If users are successfully getting results.
• Which parts of the website design might be confusing.

2. What we DO NOT track

• No Personal Info: We do not ask for or store your name, email, phone number, or address.
• No Bank Logins: We never ask for your banking credentials.
• No Individual Tracking: We look at overall trends, not individual user history.

3. Your Mortgage Numbers

The numbers you enter (loan amount, rate, term) are processed to give you a result. We analyze this data in aggregate to improve the calculator, but it is never linked to you personally.

The Legal Stuff (Terms of Use)

By using Breakfee NZ, you agree to the following terms.

1. Disclaimer: Not Financial Advice

Breakfee NZ is an educational tool, not a financial advisor or a bank.

• Estimates Only: The figures provided are estimates based on standard banking formulas. Actual break fees depend on your specific bank's policies, current wholesale interest rates, and your contract terms.
• No Liability: We are not liable for any financial loss or fees resulting from decisions made based on this tool.
• Verify Before You Act: Always ask your bank for an official break fee quote before making any changes to your mortgage.

2. Cookies and Analytics

This website uses "cookies" to collect standard internet log information in an anonymous form.

• Google Analytics: Tracks website traffic and usage trends.
• Microsoft Clarity: Helps us understand user behavior (like clicks and scrolling) to fix bugs and improve the interface.

By using this website, you consent to the processing of data by these providers.

3. New Zealand Privacy Act 2020

We operate in accordance with the New Zealand Privacy Act 2020. Since we do not collect PII (Personally Identifiable Information), we do not maintain a database of user records.

4. Updates to this Policy

We may update this policy from time to time. Any changes will be posted on this page.