Privacy
Last updated October 31, 2026.
After the Fed is a small editorial site. We do not ask you to create an account. Calculators run in your browser and do not send balances or APRs to our server.
What we collect
The hosting company logs standard server data (IP address, browser, pages requested) to operate and secure the site. If we add analytics, we will name the provider here. If you email hello@afterthefed.com, we keep the message long enough to reply. If you sign up for email notes, see below.
Email notes
If you sign up for our decision notes, we collect your email address, which notes you picked (US Federal Reserve, Reserve Bank of Australia, or both), the time you signed up, the page you signed up on, and a one-way hashed version of your IP address. The hashed IP is only used to stop automated and repeat signups; we cannot turn it back into your IP address.
We use this only to send you a short note after the central bank decisions you chose, plus the occasional message about the notes themselves. Notes may later carry a clearly labelled sponsor message. We do not sell, rent, or share the list with advertisers or other companies. If we move the list to an email service provider to send the notes, that provider will store it on our behalf and only to send our emails.
Every note will say who it is from and how to stop getting it. To unsubscribe at any time, reply to any note or email hello@afterthefed.com and we will remove you promptly (within five business days at most). You can also ask us what we hold about you, or ask us to delete it, at the same address.
We only email people who signed up themselves. We do not buy lists or add addresses we find elsewhere.
Personal repayment alerts
If you set a repayment alert, we store your email address, the country you picked, the loan amount and the alert amount you typed, the time you set it, the page you set it on, a one-way hashed version of your IP address (only to stop automated signups), and a random unsubscribe code. This is kept in a private file on our hosting, outside the public website, and is not shared with advertisers or anyone else.
We use the loan amount only to estimate whether a rate decision changes the repayment on a loan that size by more than your alert amount, and to email you if it does. We do not ask for your name, lender, income, or address. Every alert email has a link that turns the alert off straight away; you can also email hello@afterthefed.com to have it deleted.
AI-assisted drafts
We may use an AI model to help draft summaries of central bank statements. The model only sees the public statements, never your email address or any subscriber data. Quotes are checked word-for-word against the official text, and household figures are calculated by us from our published data.
Your approximate location
Some pages, such as “What the rate means in your city”, start on the city nearest to you. To pick it, our own server looks up your IP address in a free location database from DB-IP that we keep on our hosting. Your IP address is not sent to any other company for this, and we do not save your IP address or the city we matched. The guess only chooses the starting city, and it is often wrong or missing. You can always pick a different city, and you can use the page without it. The host’s standard server logs, described above, are separate from this lookup.
Location data: IP Geolocation by DB-IP, licensed under CC BY 4.0.
Cookies, ads, and Google
This site is built to show third-party ads. Google and other advertisers may use cookies or similar identifiers to serve and measure ads. You can learn how Google uses data when you visit partner sites at How Google uses data when you use our partners’ sites or apps.
We do not use ads or analytics to target people based on sensitive categories such as health, detailed finances, or sexual orientation. We do not knowingly collect information from children under 13.
Contact
Contact for privacy questions. We will update this page if the way we collect or share data changes.