1. Introduction

Welcome to MortgageFreeDate ("we", "our", "us"). We are committed to protecting your privacy and complying with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

This Privacy Policy explains how we collect, use, and protect your information when you visit our website at mortgagefreedate.co.uk (the "Site").

Contact Information:
Email: contact@mortgagefreedate.co.uk

2. Information We Collect

2.1 Calculator Usage

Our mortgage calculator operates entirely in your browser. The figures you enter (loan amounts, interest rates, terms, overpayments) are processed locally on your device and are not transmitted to our servers or stored by us.

2.2 Cookies and Similar Technologies

We use cookies and similar tracking technologies to improve your experience and analyse site usage. These include:

Essential Cookies: Required for the site to function properly
Analytics Cookies: Google Analytics to understand how visitors use our site
Advertising Cookies: Google AdSense to display relevant advertisements

For more details, please see our Cookie Policy.

2.3 Automatically Collected Information

When you visit our Site, we automatically collect certain information about your device, including:

Browser type and version
Operating system
IP address (anonymised)
Pages visited and time spent on pages
Referring website

This information is collected via Google Analytics and is used to improve our Site and understand user behaviour.

3. How We Use Your Information

We use the information we collect to:

Provide and maintain our mortgage calculator service
Improve and optimise our Site
Analyse how visitors use our Site
Display relevant advertisements through Google AdSense
Comply with legal obligations

4. Legal Basis for Processing

Under UK GDPR, we process your personal data based on:

Legitimate Interests: To operate and improve our Site, analyse usage, and ensure security
Consent: For non-essential cookies (analytics and advertising), which you can manage through our cookie banner
Legal Obligation: To comply with applicable laws and regulations

5. Third-Party Services

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

5.1 Google Analytics

We use Google Analytics to analyse Site usage. Google Analytics uses cookies to collect information about how visitors use our Site. This information is used to compile reports and help us improve the Site. The cookies collect information in an anonymous form.

Learn more: Google Privacy Policy

5.2 Google AdSense

We use Google AdSense to display advertisements on our Site. Google may use cookies to serve ads based on your prior visits to our Site or other websites. You can opt out of personalised advertising by visiting Google Ads Settings.

Learn more: Google Advertising

5.3 Cloudflare

Our Site is hosted on Cloudflare Pages. Cloudflare may collect certain information for security and performance purposes.

Learn more: Cloudflare Privacy Policy

6. Data Retention

We retain automatically collected information (via Google Analytics) for 26 months. Cookie data is retained according to the specific cookie's expiration period as detailed in our Cookie Policy.

Your calculator inputs are not stored by us and remain only in your browser's local session.

7. Your Rights Under UK GDPR

You have the following rights regarding your personal data:

Right to Access: Request a copy of the personal data we hold about you
Right to Rectification: Request correction of inaccurate data
Right to Erasure: Request deletion of your personal data
Right to Restrict Processing: Request limitation of how we use your data
Right to Data Portability: Receive your data in a structured format
Right to Object: Object to processing based on legitimate interests
Right to Withdraw Consent: Withdraw cookie consent at any time

To exercise any of these rights, please contact us at contact@mortgagefreedate.co.uk

8. International Data Transfers

Some of our third-party service providers (such as Google) may process data outside the UK. We ensure appropriate safeguards are in place to protect your data in accordance with UK GDPR requirements.

9. Data Security

We implement appropriate technical and organisational measures to protect your personal data against unauthorised access, alteration, disclosure, or destruction. Our Site uses HTTPS encryption to secure data transmission.

10. Children's Privacy

Our Site is not intended for children under 16 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated "Last updated" date. We encourage you to review this Privacy Policy periodically.

12. Contact Us

If you have any questions about this Privacy Policy or wish to exercise your data protection rights, please contact us:

Email: contact@mortgagefreedate.co.uk
Website: mortgagefreedate.co.uk

13. Complaints

If you believe we have not handled your personal data properly, you have the right to lodge a complaint with the UK supervisory authority:

Information Commissioner's Office (ICO)
Website: ico.org.uk
Helpline: 0303 123 1113