Privacy Policy
Your privacy matters to us. Calfiny is designed so you can read our guides and use our calculators without creating an account or routinely providing personal information.
1. We Keep Data Collection to a Minimum
Calfiny is designed around a simple principle: we shouldn’t ask you for personal information unless there is a genuine reason to do so.
You do not need to create an account, register, subscribe or provide your name or email address to read Calfiny’s educational guides or use our financial calculators. The information you enter into our calculators is used to produce the calculation on the page and is not intended to create a personal profile about you.
Like most websites, some technical information may be processed automatically when you visit Calfiny. This can include information about your browser, device, pages visited and how you interact with the website. We use Google Analytics to help us understand how visitors use Calfiny and to identify ways we can improve the website.
We do not use Calfiny to build individual financial profiles of our visitors, and the information collected through analytics is not used by us to make decisions about your eligibility for financial products or services.
We also do not ask you to enter sensitive financial information, such as bank account details, payment card information, passwords or online banking credentials, into our calculators.
Our approach is to minimise the information we collect, use it only for legitimate purposes connected with operating and improving Calfiny, and be transparent about the technologies and service providers involved.
2. What Information May Be Collected When You Use Calfiny
We deliberately limit the information collected through Calfiny. Most visitors can use the website without providing personal information directly to us.
Information You Provide to Us
For normal use of Calfiny, we do not require you to provide your name, email address, home address, telephone number, date of birth, bank details or other personal information.
Our financial calculators may ask you to enter figures such as an income, savings balance, interest rate, mortgage amount or monthly contribution. These figures are used to perform the calculation you request. They are not intended to identify you or create a personal financial profile.
If we introduce a feature in the future that allows you to provide personal information directly to Calfiny, this Privacy Policy will be updated where necessary to explain what information is collected and why.
Information Collected Automatically
When you visit Calfiny, certain technical and usage information may be processed automatically by the website and the services used to operate it. Depending on your browser, device, consent choices and the technologies in use, this may include:
- the pages you visit and how you navigate between them;
- the approximate time and duration of visits;
- your browser and device type;
- operating system and screen or device characteristics;
- general geographic information derived from technical data;
- referral information showing how you reached Calfiny; and
- technical information needed to operate, secure and diagnose the website.
We use Google Analytics to help us understand overall website usage, such as which pages are visited, how visitors find Calfiny and how people interact with the site. This information helps us identify useful content, understand website performance and improve Calfiny over time.
Information We Do Not Ask You to Provide
Calfiny is an educational website and does not need access to your bank account or financial accounts in order to provide its guides and calculators.
You should never enter passwords, payment card numbers, online banking credentials or other sensitive authentication information into a Calfiny calculator. Our calculators are designed to work with the financial figures needed for the calculation, not information that identifies or provides access to your financial accounts.
3. How We Use Google Analytics
We use Google Analytics to understand how Calfiny is being used and where we can improve the website, our guides and our financial calculators.
Calfiny uses Google Analytics, a website analytics service provided by Google. It helps us understand how visitors use the website by providing information about activity across Calfiny.
For example, analytics can help us understand which pages are visited most often, how visitors arrive at the website, which devices and browsers are commonly used, and how people move between different areas of Calfiny. We use these insights to improve our content, identify technical problems and make our guides and calculators easier to use.
Google Analytics may process information associated with your use of the website, including device and browser information, interactions with pages and other technical or usage information. The information available to us through Google Analytics is used to understand website activity and performance rather than to identify individual visitors personally.
Analytics Cookies and Consent
Where required, analytics cookies and similar non-essential technologies should only be used after you have given the appropriate consent through our cookie controls. You can choose whether to accept non-essential cookies and can change your preferences later.
If you do not consent to analytics cookies where consent is required, you should still be able to access Calfiny’s educational content and use its core functionality.
Google’s Role
Google processes information collected through Google Analytics in accordance with its own terms and privacy practices. Depending on how the service is configured and operated, information may be processed on Google’s systems outside the United Kingdom.
You can learn more about how Google handles information through its privacy information and Google Analytics documentation.
Learn more about privacy and Google Analytics
4. How We Use Cookies and Similar Technologies
Cookies and similar technologies can help websites operate correctly, remember preferences and understand how visitors use them. We aim to keep their use on Calfiny proportionate and transparent.
Cookies are small files or pieces of information that websites can store or access through your browser or device. Some technologies are necessary for a website to operate correctly, while others may be used for purposes such as analytics.
Calfiny may use essential technologies where they are necessary for the operation, security or functionality of the website. These do not require the same type of consent as technologies used for non-essential purposes.
Analytics Cookies
We use Google Analytics to help us understand how visitors interact with Calfiny. Where analytics cookies or similar technologies require consent, they should only be used after you have made the appropriate choice through our cookie controls.
Analytics information helps us understand patterns such as which areas of Calfiny are most useful, how visitors navigate the website and where improvements may be needed. We use this information to improve the website rather than to create personal financial profiles of individual visitors.
Your Cookie Choices
Where cookie controls are provided, you can choose whether to allow non-essential technologies. Refusing non-essential cookies should not prevent you from accessing Calfiny’s core educational guides and calculators.
You can also manage or delete cookies through your browser settings. Please be aware that blocking certain essential technologies may affect how some website features operate.
Our Cookie Policy
Our separate Cookie Policy provides more information about the types of cookies and similar technologies that may be used on Calfiny, why they are used and the choices available to you.
5. Why We Use the Information We Collect
The limited information processed through Calfiny is used to operate the website, understand how it is used and improve the experience for visitors.
We use information collected through Calfiny only for purposes connected with operating, maintaining and improving the website.
In practice, this may include understanding which guides and calculators are most useful, identifying technical problems, monitoring website performance and improving how visitors move between different areas of the site.
Website Performance and Improvement
Analytics information helps us understand broad patterns of website usage. For example, we may review which pages receive the most visits, how people arrive at Calfiny or whether visitors encounter problems when using particular parts of the website.
This helps us decide where content may need improving, which calculators need further refinement and where the overall website experience could be made clearer or easier to use.
Security and Technical Operation
Technical information may also be processed where necessary to maintain the security, reliability and proper operation of Calfiny. This can include diagnosing errors, preventing misuse and protecting the website against malicious activity.
What We Do Not Use Information For
We do not use analytics information to create individual financial profiles, determine your eligibility for financial products or make automated decisions about you.
We also do not sell personal information collected through Calfiny to third parties.
If our use of information changes materially in the future, we will update this Privacy Policy so that the purposes remain clear and transparent.
6. Who Information May Be Shared With
We do not sell your personal information. Limited information may, however, be processed by trusted service providers where this is necessary to operate, secure, analyse or improve Calfiny.
Running a website requires us to use certain third-party services. These providers may process limited technical or usage information when providing their services to Calfiny.
We aim to limit this to services that have a genuine role in operating, protecting or improving the website.
Google Analytics
We use Google Analytics to understand how visitors use Calfiny. Google may process technical and usage information on our behalf when providing this service, subject to the configuration of Google Analytics and your applicable consent choices.
We use the information available through Google Analytics to understand overall website activity and performance rather than to build personal financial profiles of individual visitors.
Website Hosting and Technical Providers
Companies involved in hosting, maintaining, securing or delivering Calfiny may process limited technical information where this is necessary to provide their services. For example, web servers and security systems may process information such as IP addresses and request information in technical logs.
This type of processing is generally necessary for activities such as delivering website pages, maintaining security, diagnosing technical problems and protecting the website against malicious activity.
Legal Requirements
We may disclose information where we are legally required to do so, or where disclosure is reasonably necessary to establish, exercise or defend legal rights, comply with a lawful request, or protect Calfiny and its users from fraud, security threats or other unlawful activity.
We Do Not Sell Your Personal Information
Calfiny does not sell personal information collected through the website to third parties.
If we introduce additional service providers in the future that materially change how personal information is processed, we will review and update this Privacy Policy where appropriate.
7. International Data Transfers
Some of the technology providers used to operate and analyse Calfiny may process information in countries outside the United Kingdom.
Some of the third-party services used by Calfiny operate internationally. As a result, limited technical or usage information may be processed or stored in countries outside the United Kingdom.
This may apply, for example, when information is processed through services provided by Google or by other companies involved in hosting, securing or delivering the website.
Protecting Information Transferred Overseas
Where UK data protection law applies to an international transfer of personal information, appropriate safeguards should be used where required. Depending on the circumstances, these may include recognised adequacy arrangements or approved contractual safeguards designed to provide protection for information transferred outside the UK.
Third-party providers may also operate their own international infrastructure and process information in accordance with their applicable privacy terms and data protection obligations.
Google Analytics
Google operates services and infrastructure internationally. Information processed through Google Analytics may therefore be processed outside the United Kingdom, depending on how the service is provided and configured.
More information about Google’s privacy practices and how it handles information internationally is available through Google’s privacy documentation.
8. How Long We Keep Information
We aim to keep information only for as long as it is reasonably needed for the purpose for which it was collected, or where retention is required for legal, security or operational reasons.
Because Calfiny does not require user accounts and does not routinely ask visitors to provide personal information simply to use the website, the amount of information we retain directly about individual visitors is limited.
Analytics Information
Information processed through Google Analytics may be retained for a period determined by our analytics settings and Google’s applicable policies. We use this information to understand website performance and usage trends and aim to avoid retaining it for longer than is reasonably necessary for those purposes.
Aggregated or statistical information that no longer identifies an individual may be retained for longer where it remains useful for understanding how Calfiny performs and develops over time.
Technical and Security Information
Our hosting, security or other technical service providers may retain server logs and similar technical information for limited periods where this is necessary to operate the website, investigate errors, maintain security or prevent misuse.
Retention periods for information processed by third-party providers may vary according to the service involved, its configuration and the provider’s applicable policies.
Keeping Retention Proportionate
Our general approach is not to keep personal information simply because it may be useful in the future. Where information is no longer reasonably required for the purpose for which it was processed, it should be deleted, anonymised or allowed to expire in accordance with the systems and services involved.
If the way Calfiny collects or uses personal information changes materially in the future, we will review our retention practices and update this Privacy Policy where appropriate.
9. Your Data Protection Rights
UK data protection law gives individuals a number of rights over their personal information. Which rights apply can depend on the information involved and the reason it is being processed.
Depending on the circumstances, UK data protection law may give you rights in relation to personal information held or processed about you.
These rights may include:
- The right to be informed about how your personal information is collected and used.
Withdrawing Consent
Where we rely on your consent to use non-essential cookies or similar technologies, you can withdraw that consent or change your preferences. Withdrawing consent does not affect the lawfulness of processing that took place before consent was withdrawn.
Exercising Your Rights
If you have a question about personal information processed through Calfiny or would like to exercise a data protection right, you can contact us using the details provided on our Contact page.
Because Calfiny does not require user accounts and does not routinely ask visitors to identify themselves, we may hold little or no information that allows us to identify you directly. If you make a request, we may need sufficient information to understand the request and, where necessary, confirm that information relates to you.
Making a Complaint
If you have concerns about how your personal information has been handled, we would welcome the opportunity to address them first.
You also have the right to raise a concern with the UK Information Commissioner’s Office (ICO), the independent authority responsible for upholding information rights in the United Kingdom.
10. Chilren's Privacy
Calfiny provides general financial education that can be accessed without creating an account or routinely providing personal information.
Calfiny is designed to provide general financial information, educational guides and calculators. Visitors do not need to create an account or routinely provide their name, email address or other personal information in order to access our content.
We do not knowingly use Calfiny to collect personal information directly from children for the purpose of creating profiles, marketing financial products to them or making decisions about their finances.
Using Our Calculators
Our calculators are educational tools. They may ask for financial figures in order to perform a calculation, but users should not enter information such as their name, address, bank account details, payment card information, passwords or online banking credentials.
Analytics and Technical Information
As explained elsewhere in this Privacy Policy, limited technical or usage information may be processed when someone visits Calfiny, including through website analytics and the technologies required to operate and secure the site.
Where consent is required for non-essential cookies or similar technologies, we aim to use those technologies in accordance with the applicable consent requirements.
If You Have a Concern
If you are a parent or guardian and believe that a child has provided personal information directly to Calfiny that should not have been collected, please contact us so that we can investigate and take appropriate action where necessary.
11. External and Affiliate Links
Calfiny may link to other websites and services. When you leave Calfiny, the privacy practices of the website you visit will apply.
Our guides, calculators and other resources may contain links to websites operated by third parties. These may include financial institutions, government organisations, regulators, information sources and other services that we believe may be useful to our readers.
Calfiny does not control how these external websites collect, use or protect your personal information. If you follow a link away from Calfiny, you should review the privacy information provided by the organisation responsible for the website you are visiting.
Affiliate Links
Some links on Calfiny may be affiliate links. This means that if you follow one of these links and subsequently apply for, purchase or use an eligible product or service, Calfiny may receive a commission from the provider or affiliate network.
Using an affiliate link does not mean that Calfiny receives access to sensitive information you subsequently provide directly to a financial institution or other provider. Applications, account information, identity checks, payment details and other information requested by the provider are handled according to that organisation’s own systems and privacy practices.
Affiliate networks and providers may use technical methods to recognise that a visitor has arrived from Calfiny and attribute an eligible application, purchase or other action to us. This can involve cookies, identifiers or similar technologies operated by the relevant provider or affiliate network.
Before Providing Personal Information
If you decide to apply for a financial product or use a service offered by another organisation, you should review that organisation’s privacy policy before providing personal information. Their terms, privacy practices and data protection responsibilities are separate from Calfiny’s.
Our Commercial Relationships
Where Calfiny may receive a commission from a link or commercial relationship, we aim to make this clear. Affiliate relationships do not change our commitment to explaining financial topics independently and transparently.
12. Changes to This Privacy Policy
We may update this Privacy Policy from time to time as Calfiny develops, our technology changes or our legal and regulatory obligations evolve.
Calfiny is continually developing, and the way we operate the website may change over time. For example, we may introduce new calculators, technologies, service providers or features that affect how information is processed.
We may therefore update this Privacy Policy when necessary to ensure it continues to accurately explain how personal information is handled and to reflect changes in applicable law, regulation or guidance.
How We Communicate Changes
The latest version of this Privacy Policy will always be published on this page. Where changes are significant, we may also provide an additional notice on Calfiny where appropriate.
We recommend checking this Privacy Policy occasionally if you want to stay informed about how Calfiny handles personal information.
Last Updated
Last updated: 7 August 2026
13. Questions About Your Privacy
If you have a question about this Privacy Policy, how Calfiny handles information or your data protection rights, please get in touch.
If you have a question or concern about privacy or the way information is processed through Calfiny, you can contact us using our Contact page.
Please provide enough information for us to understand your enquiry. Because Calfiny does not require user accounts and does not routinely collect information that directly identifies visitors, there may be circumstances where we hold little or no information that can be connected to you personally.
Data Protection Requests
If you are contacting us to exercise a data protection right, please explain the nature of your request as clearly as possible. We will consider your request in accordance with applicable UK data protection law and may need to ask for additional information where reasonably necessary to understand or verify the request.
Information Commissioner’s Office
If you are concerned about the way your personal information has been handled, you also have the right to raise a concern with the Information Commissioner’s Office (ICO), the UK’s independent data protection regulator.
We would welcome the opportunity to address any privacy concern directly, but contacting us first does not affect your right to approach the ICO.