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[RateGap](/)every home loan rate lenders publish, compared

# What this site collects

The short version: nothing about visiting, and only what you choose to
      send.

## Visiting

No cookies. No accounts. Page visits are counted by
      [GoatCounter](https://www.goatcounter.com/help/privacy), which sets no cookie, keeps no IP address
      and cannot follow you between sites. It is told the page's name and title, and the campaign
      tag on the link you followed if it carried one (such as `utm_campaign`).

On the front page and the answer page it is also told what you tap, by name only. On the
      front page, that is whether the form was started and sent, never what was typed. On the
      answer page, that is which kind of answer you got, such as a small gap or a good rate, but
      never its figures. It is also which
      sections you opened, whether you copied the words for a message or a call, and whether you
      shared the result. And it is told how a reported request went, and whether you started an
      alert. Never a number, never a lender, never anything you typed.

The loan details you type sit in the address bar of your own browser. This site strips them
      out of the page name, the title and the link you arrived by, before the counter ever sees
      any of them.

Those details are used to build the page you asked for. They are not stored against you.
      This site keeps no record of who visits.

One thing is kept, anonymously. When a comparison produces a result, one row is kept. It
      records the loan type, the balance rounded to the nearest $100,000, the size of the gap found,
      and whether a lender was named. It **never records which lender, never the rate and never the property
      value**, and nothing that identifies a person. It exists so the tool can learn how often
      borrowers are actually overpaying. It cannot be traced back to anyone.

If you tap how your request to your lender went, that answer is kept the same way. It
      records the answer, the loan type, the balance to the nearest $100,000 and the size of the gap.
      Never the lender, never the rate.

The share button hands your phone one sentence and the link to the front page. The
      sentence carries one dollar figure and nothing else from your loan. It goes through your
      phone's own share menu, not through this site.

The site runs on Cloudflare, whose infrastructure handles the traffic. Beyond the page count
      above, this site adds no tracking of its own. Nothing here follows you anywhere else.

## The feedback box

Whatever you type is kept in this site's database and forwarded to my inbox. That is your
      message, plus your email and name if you give them. It is forwarded by
      [Web3Forms](https://web3forms.com), a form
      relay service, which processes the submission in order to deliver it. Which page you sent it
      from travels too. That is the page's name only, never the figures on it. If you tick the box to
      include your figures, the numbers from your comparison travel with it: balance, rate, property
      value and loan type. That box is off by default. Left unticked, they are not sent.

Messages are deleted once dealt with. They are swept from the database automatically after
      90 days either way. If you gave an email address, it is used to reply to you and for nothing
      else. No list, no marketing, no passing on.

The services this site is built on run on infrastructure outside Australia. Those are
      Cloudflare, which hosts the site and its database, Web3Forms, and Stripe. So what you send is
      stored and processed overseas under those services' own terms. Cloudflare also keeps
      short-lived operational logs of requests for debugging. This site does not use them to identify
      anyone.

## Rate alerts

If you set up an alert, your email address and loan details are kept so they
             can be checked against each day's published rates. An alert set up from the answer
             page also sends one check-in, two weeks after you confirm, asking how your request to
             your lender went. It says so before you press the button. Nothing is watched until you
             click the confirmation link. If that link cannot be sent, nothing is recorded. An
             unconfirmed request is deleted after 7 days. Every email carries an unsubscribe
             link, and unsubscribing deletes the record. Not marks it. Deletes it. Alert email
             is delivered by Resend, a mail service that processes the address in order to
             send.

There is a daily limit on how many messages one address can be sent. It stops
             this site being used to mail people who did not ask for it.
             Counting them keeps a one-way fingerprint of the address written to. It is not the
             address, and nothing is kept beside it. It is deleted within two days.

## The coffee link

It goes to a payment page hosted by Stripe. No card detail, name or address from that page
      ever touches this site. Stripe processes the payment on their own infrastructure, under their
      privacy policy.

## Seeing or deleting what you sent

Ask through the feedback box on the [main page](/), from the
      address you used. Anything held about you will be shown to you or deleted, whichever
      you ask for.

This page describes the system as built. When the system changes,
      this page changes with it.

The other questions

        - [Are you paying more than you need to?](/)
              your rate against every lender publishing one- [How fast should you pay it off?](/paying-it-off)
              term, extra repayments, interest only- [Don't have a loan yet?](/buying)
              what to look at before you pick one- [What does each lender advertise?](/lenders)
              every lender that publishes rates, a page each- [What moved this week?](/market/changes-this-week)
              which lenders changed an advertised rate