Legal
The short version: the calculators run in your browser, your figures are never sent to us, and there is nothing here to log in to. The site does measure its traffic with Google Analytics, and it will carry Google ads once it is approved for them. Both are named below.
This site is written guides and client side calculators. There is no account, no login, and no server that receives your numbers. That removes most of what a privacy policy usually has to explain. What is left is two services run by Google: analytics, which is on every page today, and advertising, which will serve here once the site is approved for it. Both are named and described below rather than buried.
Client side. Nothing is submitted and nothing is stored.
Every calculator on this site runs entirely in your browser. Income, savings, spending and balances are typed into the page, used by a few kilobytes of JavaScript on that page, and discarded when you close the tab. Nothing is submitted, nothing is stored, and nothing is logged. A calculator keeps working with the network switched off once the page has loaded, which is the simplest proof of the claim.
Ourselves, directly, nothing. We run no server that this site talks to, so there is no log here with your name on it and no database with your figures in it.
What the site does carry is Google Analytics, on every page, and it collects traffic data on our behalf. That is the next chapter, in detail. The chapter after it covers advertising, which is not running yet and will be when the site is approved.
The printable pack list is not open. There is no form anywhere on this site that an email address can be submitted to, so no address has been collected. When it opens, joining will store the address you give us to send the one email we promised and nothing else, one click will unsubscribe you and delete it, and this page will say so before the form appears.
Google Analytics 4, on every page, measurement id G-T5GP109QFW.
Every page on this site loads Google Analytics 4. It records which page you opened, which page or search sent you to it, how long you stayed, which pages you moved on to, your device type, browser and language, and an approximate location worked out from your IP address, which in practice means a country and sometimes a city. It sets cookies in your browser, named _ga and _ga_ followed by the measurement id, so a second visit can be told from a first one. Those cookies are set on this domain and the data goes to Google.
We read it in aggregate and use it for one thing: deciding which guides deserve expanding and which calculators nobody wanted. We do not sell it, we do not build advertising audiences from it, and we have no way to connect it to a name, because we never ask you for one.
If you would rather not be counted, Google publishes a browser add on that switches Analytics off everywhere: the Google Analytics opt out. Blocking cookies or using a tracker blocking extension has the same effect here, and nothing on this site stops working when you do. Google's own account of what it does with the data is in the Google privacy policy.
Applied for, not yet serving. No ad unit appears on any page today.
This site is applying to Google AdSense, and it intends to carry ads. Being straight about the state of that: the AdSense script is already loaded in the head of every page, because Google will not review a site whose code its crawler cannot find. That script on its own displays nothing. There is no ad unit on any page, no space reserved for one, and nothing you see here has been paid for.
When the application is approved and ads are switched on, Google and its advertising partners may set cookies or read device identifiers in your browser in order to choose which ads to show you, to limit how often you see the same one, and to measure whether an ad worked. In some regions you will be asked to consent before that happens. What Google does with ad data, and the controls you have over it, are set out in Google's advertising technologies policy, and personalisation can be turned off at My Ad Center.
One thing ads will never touch. The figures you type into a calculator are handled by JavaScript on the page you are standing on and are never sent anywhere, so there is nothing for an advertiser to receive. An ad on a page about saving four thousand dollars knows it is on a page about saving four thousand dollars. It does not know what you typed.
The Kakeibo app has its own privacy policy covering how your financial entries are stored, available on its App Store listing and at momentumlab.ai/privacy. Anything you do inside the app is governed by that policy rather than by this page.
Privacy questions, corrections, or a request to delete an email address: admin@momentumlab.ai. We answer these ourselves; there is no support queue.
Who publishes this, how corrections are handled, and how to reach a person.
Published by MomentumLab AI Pty Ltd, Australia, and governed by Australian law, including the Privacy Act 1988. This policy was last updated on 1 September 2026. When what the site does changes, this page changes first.
