Privacy Policy | Mortgage Overpayment Calculator

1. Introduction

This privacy policy explains how Mortgage Overpayment Calculator ("we", "us", "our") collects, uses, and protects your personal information when you use our website and calculator services.

We are committed to protecting your privacy and complying with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

2. Data Controller

For the purposes of UK data protection law, the data controller is Mortgage Overpayment Calculator.

If you have any questions about this privacy policy or our data practices, please contact us at the email address provided in the footer of this website.

3. Information We Collect

3.1 Information You Provide

The calculator processes your mortgage data (balance, term, interest rate, overpayment percentage) entirely in your browser. We do not store or transmit this data to our servers.

3.2 Automatically Collected Information

When you visit our website, we may automatically collect:

Usage data: Pages visited, time spent on pages, links clicked, referral source
Device information: Browser type, operating system, device type, screen resolution
IP address: Anonymised or truncated for analytics purposes
Cookies: See our Cookie Policy for details

4. How We Use Your Information

We use the information we collect to:

Provide and improve our calculator services
Analyse website usage and performance
Understand user behaviour and preferences
Detect and prevent fraud or abuse
Comply with legal obligations
Display relevant advertising (with your consent)

5. Legal Basis for Processing

We process your personal data under the following legal bases:

Legitimate interests: To operate and improve our website
Consent: For analytics and advertising cookies (you can withdraw consent at any time)
Legal obligation: To comply with applicable laws and regulations

6. Third-Party Services

We use the following third-party services that may collect personal data:

6.1 Google Analytics

We use Google Analytics to analyse website usage. Google Analytics uses cookies to collect anonymised information about how visitors use our site. This information is used to compile reports and help us improve the website.

Google Analytics collects information anonymously and reports website trends without identifying individual visitors. For more information, see Google's Privacy Policy.

6.2 Google AdSense

We use Google AdSense to display advertisements. Google and its partners may use cookies to serve ads based on your prior visits to our website or other websites. You can opt out of personalised advertising by visiting Google Ads Settings.

7. Data Retention

We retain analytics data for up to 26 months. Cookies are retained according to the expiry periods set out in our Cookie Policy.

Your mortgage calculation inputs are not stored on our servers - they exist only in your browser session.

8. Your Data Protection Rights

Under UK GDPR, you have the following rights:

Right to access: You can request copies of your personal data
Right to rectification: You can request correction of inaccurate data
Right to erasure: You can request deletion of your personal data
Right to restrict processing: You can request limitation of how we use your data
Right to data portability: You can request transfer of your data to another service
Right to object: You can object to certain types of processing
Right to withdraw consent: You can withdraw consent for cookies at any time

To exercise any of these rights, please contact us using the details provided in the footer.

9. Data Security

We implement appropriate technical and organisational measures to protect your personal data against unauthorised access, alteration, disclosure, or destruction.

Our website uses HTTPS encryption to secure data transmission. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

10. International Data Transfers

Some of our third-party service providers (such as Google) may process data outside the UK. We ensure that appropriate safeguards are in place, such as Standard Contractual Clauses or adequacy decisions.

11. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal data from children. If you believe we have collected data from a child, please contact us immediately.

12. Changes to This Privacy Policy

We may update this privacy policy from time to time to reflect changes in our practices or legal requirements. The "Last Updated" date at the top of this page indicates when the policy was last revised.

We encourage you to review this policy periodically. Continued use of our website after changes constitutes acceptance of the updated policy.

13. Complaints

If you have concerns about how we handle your personal data, you have the right to lodge a complaint with the Information Commissioner's Office (ICO), the UK supervisory authority for data protection.

ICO website: https://ico.org.uk/

14. Contact Information

If you have any questions about this privacy policy or wish to exercise your data protection rights, please contact us using the details provided in the footer of this website.