Privacy Policy
How we protect your data and respect your privacy
Last updated: 1 April 2026
Our Commitment to Your Privacy
At Spend My Pension, we believe your financial data should remain private and secure. This policy explains how we collect, use, and protect your information when you use our retirement calculator at spendmypension.co.uk.
Information We Collect
Financial Data (Stored Locally Only)
When you use our retirement calculator, you enter personal financial information including:
- Age and life expectancy
- Investment portfolio details
- Income stream information
- Monthly spending requirements
- Pension and savings data
🔒 Important: All financial calculations happen in your browser. This data is never transmitted to our servers, stored in our databases, or shared with anyone.
Automatically Collected Information
Like most websites, we automatically collect certain information:
- IP address and general location (country/region)
- Browser type and version
- Device information (desktop/mobile)
- Pages visited and time spent on site
- Referring website (how you found us)
How We Use Your Information
Your Financial Data
- ✅ Perform retirement calculations in your browser
- ✅ Display projection results and charts
- ✅ Allow you to export your data locally
- ❌ Never sent to our servers
- ❌ Never stored in our databases
- ❌ Never shared with third parties
Website Analytics
- ✅ Improve website performance
- ✅ Understand user preferences
- ✅ Fix technical issues
- ✅ Provide relevant advertisements
- ❌ Never linked to your financial data
- ❌ Never sold to third parties
Cookies and Tracking
Types of Cookies We Use
Essential Cookies
Required for basic website functionality. These cannot be disabled.
Examples: Session management, security features
Analytics Cookies
Help us understand how visitors use our website to improve performance.
Examples: Page views, user flow analysis
Advertising Cookies (Google AdSense)
Used to show relevant advertisements and measure ad performance.
Examples: Ad personalization, frequency capping
Managing Cookies
You can control cookies through your browser settings. Note that disabling cookies may affect website functionality. To opt out of Google advertising cookies, visit Google Ad Settings
Google AdSense
We use Google AdSense to display advertisements that help keep our calculator free. Google may use cookies to serve ads based on your visits to our site and other websites.
Important Notes:
- Google may collect data for advertising purposes
- This is separate from your financial calculator data
- Your retirement calculations remain private
- You can opt out of personalized ads
For more information about Google's privacy practices, visit Google Privacy Policy
Data Security
Technical Measures
- HTTPS encryption for all data transmission
- Secure hosting infrastructure
- Regular security updates
- No financial data stored on servers
Privacy by Design
- Local-only financial calculations
- No user accounts required
- Minimal data collection
- Transparent privacy practices
Your Rights
Under data protection laws (including GDPR), you have the right to:
- Know what data we collect
- Request access to your data
- Correct inaccurate data
- Request data deletion
- Restrict data processing
- Data portability
- Object to data processing
- Withdraw consent
Since your financial data never leaves your browser, most rights requests don't apply to your calculator data. You maintain full control over this information.
Contact Us
If you have questions about this privacy policy or your data, please contact us:
Email: [email protected]
Website: https://spendmypension.co.uk
Subject Line: Privacy Policy Inquiry
Policy Updates
We may update this privacy policy from time to time. When we do, we'll post the updated policy on this page and update the "Last updated" date at the top. We encourage you to review this policy periodically for any changes.