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Privacy Policy

Effective date: 17 May 2026 Last updated: 6 November 2026

This Privacy Policy explains what personal data Calcudesk collects when you visit our website at https://www.calcudesk.com (the "Site"), how we use it, who we share it with, and the rights you have under Singapore's Personal Data Protection Act 2012 (PDPA) and other applicable laws.

Calcudesk is operated by Synergy Accounting Pte Ltd (UEN: 201321913D), a company registered in Singapore with its office at 60 Paya Lebar Road, #06-28 Paya Lebar Square, Singapore 409051 ("we", "us", "our"). If you have any questions, write to jacqueline@calcudesk.com.

In short

1. What we collect, and why

1.1 Web server logs (always collected)

Our hosting provider (Vercel) records standard server access logs for every request: your IP address, the URL you requested, the time of the request, your browser's user-agent string, and the referring page. These logs help us spot abuse, debug errors, and keep the site online. They are retained by Vercel under their data-retention policies and not used for marketing.

1.2 Analytics — Google Analytics 4 (only with your consent)

If you click "Accept" on our cookie consent banner, we load Google Analytics 4 (measurement ID G-K85B6LP1Y1). GA helps us understand which pages visitors find useful and where they come from. We have enabled IP anonymisation. We do not pass any personally identifying information to GA.

If you click "Decline" — or do not interact with the banner — no GA scripts load and no analytics data is collected from your visit.

You can change your choice at any time via the "Cookie preferences" link in our footer.

1.3 Enquiry form

If you send a message through our enquiry form, we collect your name, your email address, and the message you write. We use them only to reply to and follow up on your enquiry.

The form delivers your enquiry to our inbox by email through Resend, an email delivery service. It is not added to a marketing list or kept in a separate database. We use your IP address briefly, in memory, to limit repeated submissions; it is not saved with your enquiry.

If you do not submit the form, nothing you typed into it is sent to us.

1.4 Direct contact — email

If you email us (jacqueline@calcudesk.com), we receive whatever you choose to send. We use it only to respond to and follow up on your enquiry.

1.5 Chat assistant (AI)

The Site has a chat assistant in the corner of each page. It is an AI assistant, not a person. When you send a message, that message and the recent messages from the same conversation are sent to our server and passed to Anthropic (the provider of the Claude AI model) to generate a reply.

We do not store chat transcripts on our servers, and we do not link chats to your identity. Your conversation history is kept only in your browser's session storage (cdChatHistory key) so the chat carries over as you move between pages, and it is cleared when you close the tab. We use your IP address briefly, in memory, to cap the number of messages per day and limit abuse; it is not saved with your messages. Anthropic may retain messages for a limited period under its own terms.

Please do not type sensitive personal data — such as NRIC numbers, bank details, or passwords — into the chat. If you do not send a message, nothing is sent to Anthropic.

1.6 ROI calculator

You can use the ROI calculator without giving us anything: the headline estimate is worked out in your browser. If you choose to have the full breakdown emailed to you, you enter your email address and tick a consent box. We then collect:

We use this to email you the report, prepare the one-page recommendation that goes with it, and follow up about your submission. The record is stored in a Google Sheets spreadsheet that only we can access, and the emails are sent through Resend, an email delivery service.

1.7 Friday Finance Pack

If you request the Friday Finance Pack, you enter your email address and tick a consent box agreeing to receive the pack and related practical updates from Calcudesk. We collect your email address, the fact that you consented, your browser's user-agent string, and how you reached the page (the referring page, the page you landed on, and any campaign tags in the link).

We use this to email you the download link and, as you agreed, to send occasional related updates. You can stop these at any time by replying to any email from us or writing to jacqueline@calcudesk.com. The record is stored in Google Sheets and the email is sent through Resend.

1.8 Cookie-consent preference (browser localStorage)

When you choose Accept or Decline on the consent banner, we store your choice in your browser's localStorage (calcudesk-consent key) for 12 months so we don't keep asking. This is technically a browser storage key, not a server-side cookie, and it contains no personal data — just accepted or declined plus a timestamp.

1.9 What we don't collect

We do not run user accounts or a comment system on the Site. The only forms are the enquiry form and the calculator and Friday Finance Pack email forms described above. There are no advertising, retargeting, or social media tracking pixels.

2. How we use your data

We use the data described above only to:

We do not use your data for automated decision-making, profiling for marketing, or training AI models.

3. Who we share it with

We share personal data only with the service providers we need to run the Site and our business:

Provider What they handle Where they process it
Vercel Inc. Static site hosting, server access logs United States (primary), with edge caching globally
Google LLC Analytics (GA4, on consent); Fonts (typography only); Google Sheets (calculator and Friday Finance Pack records) United States
Microsoft Corporation Microsoft 365 email and calendar United States and global Microsoft data centres
Anthropic, PBC Chat assistant (generates replies to the messages you send) United States
Resend Delivering enquiry form messages to our inbox; sending calculator report and Friday Finance Pack emails United States

We do not sell or rent your personal data. We do not share it with advertisers, brokers, or marketing partners.

If we ever instruct a contractor to assist us with an enquiry follow-up or service delivery, we will tell you, and they will be bound by equivalent confidentiality obligations.

4. International transfer of data

Because we use Vercel, Google, Microsoft, Anthropic, and Resend, some of your data is processed outside Singapore — primarily in the United States and other regions where these providers operate. We have selected these providers because they offer protections comparable to Singapore's PDPA through standard contractual clauses, certifications, and published privacy commitments (see Section 26 of the PDPA — the Transfer Limitation Obligation).

5. How long we keep it

Data Retention
Server access logs (Vercel) As per Vercel's standard retention (typically rolling 30 days)
Analytics data (Google, if consented) Google's default data-retention setting on our property is 14 months
Enquiry form messages and email threads Retained for up to 18 months for context and continuity
Past discovery call bookings (Microsoft Bookings, no longer offered on the Site) Kept while the prospect/client relationship is active; archived for up to 18 months for follow-up
Calculator and Friday Finance Pack records (Google Sheets) Kept while the prospect/client relationship is active; archived for up to 18 months for follow-up
Chat assistant messages Not stored by us. Kept in your browser until you close the tab; Anthropic may retain them for a limited period under its own terms
Cookie-consent preference (your browser) 12 months from your decision

We may keep limited records longer where required to meet legal, accounting, or audit obligations.

6. Your rights

Under the Singapore PDPA, you have the right to:

If you are in the European Union, the United Kingdom, or another jurisdiction with separate data-protection laws, you may have additional rights under those laws (such as the right to data portability or to object to processing). Please contact us and we will assess your request in line with the applicable framework.

To exercise any of these rights, email jacqueline@calcudesk.com with the subject line "Privacy request". We will respond within 30 days.

7. Security

We take reasonable steps to protect personal data, including using HTTPS across the Site, restricting access to systems on a need-to-know basis, and choosing reputable service providers. No system is perfectly secure; we will tell you and the PDPC if we ever become aware of a breach that materially affects your data.

8. Children

The Site and our services are intended for business decision-makers. We do not knowingly collect personal data from anyone under 13. If you believe a child has shared personal data with us, please contact us and we will delete it.

9. Changes to this policy

We may update this Privacy Policy from time to time. When we do, we will revise the "Last updated" date at the top. For material changes that affect what data we collect or how we use it, we will publish a notice on the Site for at least 30 days.

10. Contact

For any privacy question, request, or complaint:

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