Privacy Policy

1. Introduction

Welcome to UK Pension Planner, operated by Horneteer Labs ("we", "us", or "our"). We respect your privacy and are committed to protecting your personal data. This privacy policy explains how we handle information when you use our website.

2. Data We Collect

2.1 Calculator Data

Important: All calculations performed by the UK Pension Planner run entirely in your web browser (client-side). We do not collect, store, or transmit any of the financial information you enter into the calculator. This includes:

• Your age and retirement age
• Pension pot values
• Contribution amounts
• Any other financial data you input

Your data remains private and never leaves your device.

2.2 Cookies and Tracking

We use Google AdSense to display advertisements on our website. AdSense may use cookies and similar technologies to:

• Serve personalized ads based on your browsing history
• Measure ad performance
• Prevent fraud

You can control ad personalization through your Google Ad Settings.

2.3 Analytics

We may use analytics services to understand how visitors use our website. This may include:

• Pages visited
• Time spent on site
• Browser type and device information
• Approximate geographic location (country/city level)

This data is aggregated and anonymized.

3. How We Use Data

Since we don't collect your financial calculator data, we cannot use it. The limited data we collect (via cookies and analytics) is used to:

• Display relevant advertisements
• Improve our website and user experience
• Understand visitor behavior (in aggregate)
• Maintain website security

4. Data Sharing

We do not sell, trade, or rent your personal information. We may share data with:

• Google AdSense: For ad serving purposes (as described above)
• Analytics providers: To understand website usage
• Legal authorities: If required by law or to protect our rights

5. Your Rights

Under UK GDPR and data protection laws, you have rights including:

• The right to access your data
• The right to rectification
• The right to erasure
• The right to restrict processing
• The right to data portability
• The right to object to processing

Since we don't store your calculator data, most of these rights don't apply to your financial information. For cookie-related data, you can manage preferences through your browser settings.

6. Children's Privacy

Our website is not intended for children under 16. We do not knowingly collect data from children.

7. Data Security

Since your calculator data never leaves your browser, it's as secure as your own device. We use standard security measures (HTTPS encryption) to protect data transmission.

8. Changes to This Policy

We may update this privacy policy from time to time. Changes will be posted on this page with an updated "Last Updated" date.

9. Contact Us

If you have questions about this privacy policy or your data, please contact:

Horneteer Labs
Email: privacy@horneteerlabs.com