Privacy Policy

1. Who We Are

BudgetAndMe provides budget impact calculations for UK citizens.

2. What Data We Collect

When You Use Our Calculator:

• Financial Information: Income, household composition, benefits, region, spending habits
• Purpose: To calculate your personalized budget impact
• Legal Basis: Legitimate interest (providing the service you requested)
• Retention: Deleted immediately after your session ends

Anonymous Analytics:

• Technical Data: Browser type, device, pages visited, time on site
• Purpose: Improve our service
• Legal Basis: Legitimate interest
• Retention: 24 months
• Tool: Google Analytics (anonymized IP)

Advertising Cookies:

• Marketing Data: Ad views, clicks
• Purpose: Show relevant ads, prevent fraud
• Legal Basis: Consent (you can opt out)
• Retention: Varies by partner (up to 12 months)

3. How We Use Your Data

We use your financial information ONLY to:

• Generate your personalized budget calculation
• Display your results

We do NOT:

• Store your calculations after your session
• Sell your data to third parties
• Use your data for marketing without consent
• Share identifiable data with partners

4. Data Sharing

We do NOT share your income, household info, or calculations with anyone.

5. Data Security

We protect your data with:

• HTTPS encryption (data in transit)
• Encrypted sessions (data at rest)
• Access controls (only authorized systems)
• Regular security audits
• Immediate deletion after session

6. Your Rights (GDPR)

You have the right to:

• Access: Request what data we hold about you
• Deletion: Request deletion of your data
• Objection: Object to processing
• Portability: Get your data in machine-readable format
• Withdraw Consent: Opt out of cookies/marketing
• Complain: Lodge a complaint with the ICO

To exercise these rights: [email protected]

7. Data Retention

• Calculator inputs/results: Deleted immediately after session
• Anonymous analytics: 24 months
• Legal records (consent logs): 7 years (legal requirement)

8. Children's Privacy

Our service is NOT intended for anyone under 18. We do not knowingly collect data from minors.

9. International Transfers

Your data is processed in the UK and EU. If we use international services (e.g., AWS), we ensure adequate safeguards (Standard Contractual Clauses).

10. Changes to This Policy

We may update this policy. We'll notify you of significant changes via a banner on the site.

11. Contact & Complaints