Privacy Policy

This Privacy Policy explains how (“we”, “us”, “our”) collects, uses and protects your personal information when you use Studentloanrepaymentcalculator.co.uk (the “Website”).

We are committed to protecting your privacy and handling your data in line with the UK General Data Protection Regulation (UK GDPR), the Data Protection Act 2018 and the Privacy and Electronic Communications Regulations (PECR).

The short version

• Our calculator is free and you don’t need an account.
• [Choose one: The figures you enter into the calculator (loan balance, salary, plan) are processed in your browser and are not sent to or stored on our servers. / The figures you enter are sent to our server to produce your result but are not linked to your identity and are not stored beyond your session.]
• We use cookies for analytics and [advertising], but only with your consent where the law requires it.
• We never sell your personal data.
• You can ask us to access, correct or delete your data at any time.

What information we collect?

a) Information you give us

• Calculator inputs: such as loan plan, balance, salary and overpayment amounts. [These are not stored / These are stored only for the length of your session.]
• Messages to us: your name, email address and message content if you contact us or send feedback.
• [Newsletter sign-ups: your email address, if you subscribe.]

b) Information we collect automatically

• Device and usage data: IP address, browser type, device type, operating system, pages visited, time on page, referring website and approximate location (city or region level).
• Cookie and similar technology data (see section 7).

c) Information we do NOT collect

We do not ask for your name, address, date of birth, National Insurance number, Student Loans Company login details, bank details or any special category data (such as health information) through the calculator. Please don’t enter these details anywhere on the Website.

How we use your information and our legal basis?

Who we share your information with?

We only share data where necessary, and never sell it. Recipients may include:

• Analytics providers: [e.g. Google Analytics (Google LLC / Google Ireland Ltd)].
• Advertising partners: [e.g. Google AdSense / other networks], only if you consent.
• Hosting and infrastructure providers: [Host name].
• Email service providers: [e.g. Mailchimp], if you subscribe.
• Professional advisers, regulators or law enforcement, where required by law.

These providers act as processors on our instructions, or as independent controllers in the case of advertising and some analytics partners. We ensure appropriate contracts and safeguards are in place.

International transfers

Some of our providers are based outside the UK (for example, in the United States). Where we transfer personal data outside the UK, we make sure it is protected by an adequacy decision, the UK International Data Transfer Agreement or Addendum, or other lawful safeguards.

Cookies and similar technologies

Cookies are small files stored on your device. We use:

You can accept, reject or change your choices at any time using our cookie banner or [Cookie Settings link]. You can also block or delete cookies in your browser settings, but parts of the Website may not work as expected.

[List specific cookies, their providers, purposes and durations in a table here, or link to a separate Cookie Policy.]

How long we keep your data?

We delete or anonymise data when it is no longer needed.

Keeping your data secure

We use appropriate technical and organisational measures, including HTTPS encryption, access controls and trusted hosting providers. No online system is completely secure, so we can’t guarantee absolute security. If a data breach is likely to put your rights at risk, we will notify you and the ICO as the law requires.

Your rights

Under UK data protection law you have the right to:

1. Be informed about how we use your data
2. Access the personal data we hold about you
3. Rectify inaccurate or incomplete data
4. Erase your data in certain circumstances
5. Restrict our processing of your data
6. Data portability, to receive your data in a usable format
7. Object to processing based on legitimate interests or for direct marketing
8. Withdraw consent at any time, without affecting earlier processing
9. Rights relating to automated decision-making. We do not make decisions about you using automated processing that has legal or similarly significant effects.

To use any of these rights, email [privacy@studentloanrepaymentcalculator.co.uk]. We usually respond within one month. We may need to verify your identity first, and there’s normally no fee.

Not financial advice

The calculator gives estimates only. Nothing on the Website is financial, legal or tax advice. See our [Terms of Use / Disclaimer] for details.

Changes to this policy

We may update this policy from time to time. The “Last updated” date at the top shows when it last changed. For significant changes, we’ll make this clear on the Website.