Privacy Policy

1. Who We Are

SmartBudgetUK.co.uk ("we", "us", "our") is a free online personal finance tool providing budget calculators, savings planners and money-saving tips to users in the United Kingdom.

For privacy enquiries contact: privacy@smartbudgetuk.co.uk

2. Data We Do NOT Collect

We want to be crystal clear about what we do not collect:

• Your income, salary or any financial figures you enter into our calculators
• Your name, address or contact details (unless you contact us directly)
• Bank account or payment information of any kind
• National Insurance numbers or any government identifiers

All calculator inputs remain in your browser's memory and are never transmitted to any server.

3. Information Collected Automatically

When you visit SmartBudgetUK.co.uk, certain technical data is collected automatically via standard server logs and analytics:

• Your approximate location (country and region only)
• Browser type, version and operating system
• Pages visited and time spent on site
• Referring website or search engine
• Device type (desktop, mobile, tablet)

This data is anonymous and used solely to understand how the site is used and to improve our tools.

4. Google Analytics

We use Google Analytics to understand how visitors use our site. Google Analytics collects anonymised data about page views, session duration and device type. It does not collect any financial data you enter. You can opt out of Google Analytics tracking using the Google Analytics Opt-out Browser Add-on.

5. Google AdSense & Advertising

We display advertisements via Google AdSense to keep this service free. Google uses cookies to show relevant advertisements based on your browsing activity. Our AdSense Publisher ID is ca-pub-2383828475260164.

You can manage your Google ad preferences at Google Ads Settings, or opt out of personalised advertising via the Network Advertising Initiative.

We do not control the content of third-party advertisements and are not responsible for advertiser privacy practices.

6. Cookies

We use the following types of cookies:

• Essential cookies — required for the site to function correctly
• Analytics cookies — anonymous usage statistics via Google Analytics
• Advertising cookies — set by Google AdSense to serve relevant ads

You can manage or delete cookies at any time through your browser settings. Note that disabling cookies may affect site functionality.

7. Your Rights Under UK GDPR

As a UK resident you have the following rights:

• Right of access — request a copy of any data held about you
• Right to rectification — request correction of inaccurate data
• Right to erasure ("right to be forgotten")
• Right to restrict processing
• Right to data portability
• Right to object to processing

To exercise any of these rights email privacy@smartbudgetuk.co.uk. We will respond within 30 days. You may also lodge a complaint with the ICO at ico.org.uk or call 0303 123 1113.

8. Data Retention

Since we do not store your financial data, there is nothing to retain or delete. Anonymous analytics data is retained for up to 26 months as per Google Analytics standard settings. Contact data submitted via our contact form is retained only as long as necessary to respond to your enquiry.

9. Third-Party Links

Our site may contain links to third-party websites (e.g. money-saving resources, government sites). We are not responsible for the privacy practices of those sites and recommend reviewing their privacy policies independently.

10. Changes to This Policy

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

11. Contact Us

Email: privacy@smartbudgetuk.co.uk
Website: www.smartbudgetuk.co.uk