Privacy Policy

Last Updated: 28th April 2025

This privacy policy applies between you, the User of this Website, and Calculate My Pension, the owner and provider of this Website. Calculate My Pension takes the privacy of your information very seriously. This privacy policy applies to our use of any and all Data collected by us or provided by you in relation to your use of the Website.

This privacy policy should be read alongside, and in addition to, our Website Terms of Use.

Definitions and Interpretation

Term	Meaning
Data	Collectively all information that you submit to Calculate My Pension via the Website. This definition incorporates, where applicable, the definitions provided in Data Protection Laws.
Cookies	Small files placed on your device that enable the Website to provide functionality and track user activity.
Data Protection Laws	All applicable laws relating to the processing of personal data, including the UK GDPR and Data Protection Act 2018.
Calculate My Pension, we or us	Calculate My Pension, the operator of this Website.
User or you	Any third party accessing the Website not employed by Calculate My Pension.
Website	https://www.calculatemypension.co.uk, including any sub-domains unless expressly excluded.

Scope of this Privacy Policy

This policy applies only to the actions of Calculate My Pension and Users with respect to this Website. It does not extend to any websites that can be accessed from this Website, including links to social media sites.

Calculate My Pension is the "data controller," meaning we determine how and why your data is processed.

Data We Collect

We do not ask for names or dates of birth so your data is anonymous.

Account information (email address, hashed password)
Personal information (age, retirement goals, salary, pension and savings details)
Technical information (IP address, browser type, operating system)
Payment information (Stripe customer ID and subscription details)
Usage data (how you use the planner and website features)

How We Collect Data

Data provided directly by you (e.g., account creation, planner inputs)
Data collected automatically via cookies and usage tracking

Use of Your Data

We use your data to:

Produce the outputs of the calculator
Manage your account and subscriptions
Improve our services and user experience
Ensure Website security
Comply with legal obligations

Legal Basis for Processing

We process your data based on:

Your consent (e.g., cookie usage, marketing)
Contractual necessity (e.g., providing planner services)
Our legitimate interests (e.g., improving services, fraud prevention)
Compliance with legal obligations

Who We Share Data With

Recipient	Purpose
Hosting and infrastructure providers	Hosting the Website and databases securely
Stripe	Managing subscription payments
Analytics providers (future use)	Improving Website performance and usage understanding
API providers (OpenAI, Google Gemini)	Answering pension planning questions when users initiate a request

Data Security

All connections secured by SSL encryption (HTTPS)
Passwords securely hashed
Access to systems restricted to authorised personnel
Payment processing through PCI-DSS compliant Stripe platform

Data Retention

We retain your personal data for as long as you maintain an account or as needed to provide services, comply with our legal obligations, resolve disputes, and enforce our agreements.

Your Rights

Right to access your data
Right to correct your data
Right to delete your data
Right to restrict processing
Right to data portability
Right to object to processing

To exercise your rights, please contact us at: calculatemypension@gmail.com

Transfers Outside the UK/EEA

Where your data is transferred outside of the UK/EEA (for example, via OpenAI or Google Gemini APIs), we ensure that appropriate safeguards (such as standard contractual clauses) are in place to protect your data.

Cookies

We use cookies to improve your experience. For more information, please refer to our Cookie Policy.

Type of Cookie	Purpose
Strictly Necessary	Essential for Website functionality (e.g., login session)
Performance and Analytics	Helps us understand and improve Website performance (only if accepted)
Functionality	Remembers your preferences between visits

Links to Other Websites

Our Website may contain links to other websites. We are not responsible for the privacy practices or content of such websites.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We encourage you to review this page periodically. Changes are effective immediately upon posting on this Website.