ClearGain handles sensitive financial data for Australian property investors. Here is exactly how we protect it, how we ensure our calculations are accurate, and what our commitments to you are.
Data encrypted at rest and in transit
All data is encrypted using AES-256 at rest and TLS 1.3 in transit. Your financial data is never transmitted unencrypted.
Australian data centres
All data is stored and processed in AWS ap-southeast-2 (Sydney). Your data never leaves Australia.
Privacy Act 1988 compliant
ClearGain complies with the Australian Privacy Act 1988 as amended by the Privacy and Other Legislation Amendment Act 2024.
ATO-aligned calculations
Every CGT calculation follows ATO methodology. Our engine has been independently audited with 25/25 test cases passing.
No data selling
We do not sell, rent, or share your personal or financial data with third parties for marketing purposes. Ever.
Row-level security
Supabase row-level security policies ensure you can only ever access your own data. No cross-user data access is possible.
ClearGain is built on Supabase, a PostgreSQL-based platform hosted on AWS ap-southeast-2 (Sydney). All data is stored within Australia and subject to Australian law.
Security measures
What data we store: Your property details (address, purchase price, dates), cost base items, expense records, and scenario calculations. We do not store payment card details — all payment processing is handled by Stripe, which is PCI DSS Level 1 certified.
What we do not store: Full card numbers, CVV codes, bank account details, Tax File Numbers (TFNs), or any government-issued identity documents.
ClearGain is a YMYL (Your Money or Your Life) application — our calculations directly affect financial decisions. We take accuracy seriously.
ATO-aligned methodology
Every calculation follows ATO methodology as published in the ITAA 1997. Key references: s102-5 (net capital gain), s104-10 (CGT event date), s110-25 (cost base), s114-1 (CPI indexation), s115-100 (50% discount), s118-185 (main residence partial exemption).
Independent audit — 25/25 test cases passed
Our CGT engine has been independently audited against 25 test cases covering all three property buckets (A, B, C), CPI indexation, the 50% discount method, Bucket B transitional split, main residence partial exemption, and edge cases. All 25 passed. See docs/CALCULATIONS.md for the full audit.
Live ABS CPI data
CPI data is sourced from the Australian Bureau of Statistics (All Groups CPI, weighted average of eight capital cities) and updated quarterly. The current CPI is 143.6 (March 2026 quarter). Calculations use the actual ABS-published index, not an estimate.
Bucket B transitional split
ClearGain implements the full Bucket B transitional calculation for properties held across the 1 July 2027 cliff date — splitting gains proportionally between pre-cliff (50% discount) and post-cliff (CPI indexation) portions. This is the most complex CGT scenario and is often calculated incorrectly by simpler tools.
Important limitation
ClearGain's calculations are estimates based on the information you provide and current/proposed tax law. The 2026-27 Budget changes have not yet been fully enacted into legislation. Always verify with a registered tax agent before making financial decisions.
ClearGain is operated by SeriousTech Pty Ltd and complies with the Privacy Act 1988 (Cth) as amended by the Privacy and Other Legislation Amendment Act 2024 (Royal Assent 10 December 2024).
For the full Privacy Policy, see cgtadvisor.au/privacy.
Every adviser listed on the ClearGain Adviser Marketplace has applied to join and been reviewed before their listing is published. We do not automatically approve applications.
Important — please read
ClearGain provides information and calculation tools only. This does not constitute financial product advice, tax advice, or legal advice under the Corporations Act 2001 (Cth) or the Tax Agent Services Act 2009 (Cth).
ClearGain is not a registered financial services provider under the Corporations Act 2001 and does not hold an Australian Financial Services Licence (AFSL).
ClearGain is not a registered tax agent under the Tax Agent Services Act 2009.
The 2026-27 Budget CGT changes have been announced but have not yet been fully enacted into legislation. Calculations are based on the Government's announced policy and may change as legislation is drafted and passed.
Tax outcomes depend on individual circumstances. Always seek independent advice from a registered tax agent or financial adviser before making financial decisions.
If you discover a security vulnerability or have a privacy concern, please contact us immediately:
We aim to acknowledge security reports within 24 hours and provide a resolution timeline within 72 hours.
Regulatory references
Last updated: May 2026 · SeriousTech Pty Ltd · ABN pending · Sydney, NSW, Australia