Privacy notice
What we collect, what we do not, and how to change your mind.
Last updated
The short version
- We do not ask you to create an account, and we do not have one to lose.
- Nothing you type into a calculator is sent anywhere. The maths runs in your browser and the figures never leave your device.
- No analytics load unless you accept them. Declining is a real decline: the script is never fetched.
- We do not sell personal data. We have none to sell.
Calculators
Every calculator on this site is client-side JavaScript. Balances, limits, salaries, debts and rates you enter are held in the page’s memory for as long as the page is open and are never transmitted to us or to anyone else. Closing the tab discards them.
Analytics
If you accept analytics, we load Google Analytics to understand which pages and calculators people find useful — page views, referrers, approximate location at country level, device type, and events like which calculator was used or which outbound link was followed. IP addresses are anonymised.
If you decline, or simply never answer, the analytics script is not loaded and no events are recorded. There is no queue waiting to be sent later.
Your choice is stored in your browser’s local storage under a single key. It is not a cookie we read on the server, and it never leaves your device. To change it, clear this site’s data in your browser and the choice will be asked again.
Outbound links
When you follow a link to a bank, issuer or lender, you leave this site and that organisation’s privacy policy applies. Some of those links carry an affiliate identifier which tells the provider the visit came from us — see how we make money. It does not tell them anything about you that your visit would not already tell them.
Fonts and hosting
The site loads a web font from Google Fonts, which means your browser makes a request to Google’s servers carrying your IP address and user agent. Everything else — pages, styles, scripts, the search index — is served from our own host as static files.
Your rights
Depending on where you live, data protection law may give you rights of access, correction, deletion, restriction and objection over personal data held about you. Because we do not operate accounts and do not collect identifying information, in most cases we hold nothing that would identify you. If you believe otherwise, contact us and we will tell you what we hold.
Contact
Privacy questions: hello@yourfinancecoach.net, or via the contact page.