Privacy Policy

Introduction

At UK Mortgage Calculator, we take your privacy seriously. This privacy policy explains how we collect, use, store, and protect your personal information when you visit our website and use our mortgage calculator tools. This policy applies to all pages on our website.

By using our website, you agree to the collection and use of information in accordance with this policy. If you do not agree with any part of this policy, please do not use our website.

Information We Collect

Information you provide directly

When you use our contact form, you may provide your name, email address, and message content. We use this information solely to respond to your inquiry.

Information collected automatically

When you visit our website, we may automatically collect certain information, including:

• Your IP address and approximate geographic location
• Browser type and version
• Operating system
• Pages visited and time spent on each page
• Referring website address
• Device type (desktop, mobile, tablet)

Calculator data

All mortgage calculations are performed locally in your browser. We do not collect, store, or transmit any financial information you enter into our calculators (such as loan amounts, income, or interest rates).

Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies. Cookies are small text files placed on your device that help us provide and improve our services.

Types of cookies we use

• Essential cookies: Required for the website to function properly. These cannot be disabled.
• Analytics cookies: Help us understand how visitors interact with our website so we can improve it.
• Advertising cookies: Used by Google AdSense and its partners to serve relevant advertisements. These cookies may track your browsing activity across different websites.

Google AdSense and the DoubleClick cookie

We use Google AdSense to display advertisements on our website. Google AdSense uses cookies, including the DoubleClick cookie, to serve ads based on your visits to this and other websites. The DoubleClick cookie enables Google and its partners to serve ads based on your browsing patterns.

You can opt out of personalised advertising by visiting Google's Ads Settings. You can also opt out of third-party vendor cookies by visiting the Network Advertising Initiative opt-out page.

Managing cookies

You can control and manage cookies through your browser settings. Most browsers allow you to refuse or accept cookies, delete existing cookies, and set preferences for certain websites. Please note that disabling cookies may affect the functionality of our website.

How We Use Your Information

We use the information we collect for the following purposes:

• To provide and maintain our website and calculator tools
• To respond to your inquiries and provide support
• To analyse website usage and improve our services
• To display relevant advertisements through Google AdSense
• To detect, prevent, and address technical issues

Third-Party Services

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

• Google AdSense: Advertising service that uses cookies for ad personalisation. Google's Privacy Policy
• Google Analytics: Website analytics service that helps us understand site usage. Google's Privacy Policy

We do not sell, trade, or otherwise transfer your personal information to outside parties beyond these services.

Data Retention

We retain your personal data only for as long as necessary to fulfil the purposes for which it was collected. Contact form submissions are retained for up to 12 months to ensure we can follow up on inquiries. Automatically collected data (analytics) is retained in accordance with the third-party service provider's data retention policies.

Your Rights Under UK GDPR

Under the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018, you have the following rights regarding your personal data:

• Right of access: You can request a copy of the personal data we hold about you.
• Right to rectification: You can request that we correct any inaccurate personal data.
• Right to erasure: You can request that we delete your personal data (the "right to be forgotten").
• Right to restrict processing: You can request that we limit the way we use your data.
• Right to data portability: You can request that we transfer your data to another organisation.
• Right to object: You can object to our processing of your personal data, including for direct marketing purposes.

To exercise any of these rights, please contact us at admin@mortagagecalculator.co.uk. We will respond to your request within one month.

You also have the right to lodge a complaint with the Information Commissioner's Office (ICO) if you believe your data protection rights have been violated. You can contact the ICO at ico.org.uk.

Legal Basis for Processing

We process your personal data on the following legal bases under UK GDPR:

• Consent: For advertising cookies and personalised ads, we rely on your consent, which you can provide or withdraw via our cookie consent banner.
• Legitimate interests: For analytics and website improvement purposes, we rely on our legitimate interest in understanding how our website is used so we can improve it.
• Contractual necessity: When you contact us, we process your data to respond to your inquiry.

Data Security

We take reasonable measures to protect your personal information from unauthorised access, alteration, disclosure, or destruction. Our website uses HTTPS encryption to secure data in transit. However, no method of internet transmission or electronic storage is completely secure, and we cannot guarantee absolute security.

Children's Privacy

Our website is not directed at children under the age of 16. We do not knowingly collect personal information from children. If we become aware that we have collected personal data from a child under 16, we will take steps to delete that information.

Changes to This Policy

We may update this privacy policy from time to time to reflect changes in our practices or applicable laws. We will post the updated policy on this page with a revised "last updated" date. We encourage you to review this policy periodically.

Contact Us

If you have any questions about this privacy policy or our data practices, please contact us at:

Email: admin@mortagagecalculator.co.uk

You can also reach us through our contact page.