Privacy

The calculators

Everything you type into a calculator is worked out in your browser. Your assets, debts, age and targets are not transmitted to us, not stored, and not visible to anyone. Close the tab and they are gone. We do not have a copy, which means we cannot lose one.

There are two exceptions, and neither happens unless you ask. The first: if you use “email this statement to me” on the net worth calculator, those figures are posted to our server, rendered into an email, sent to the address you gave, and then dropped. They are not written to our database and we keep no copy. The email itself says the same thing.

The projection calculator has a share link. It carries the assumptions you set (a target, a monthly amount, a growth rate) and nothing that identifies you. The net worth calculator has no share link, deliberately: that figure is the most sensitive thing anybody enters here, and a link is exactly how it would escape.

The second is a saved goal. If you set one on the goals page and ask to be reminded, we store what you are aiming at, the date, the assumptions you chose, the label you wrote, your email address, and anything you later tell us about your progress. We store nothing else for a goal. We do not store what the goal costs a month; that is recalculated every time the page loads, so there is no figure of yours sitting in a column anywhere.

A goal has no account and no password. The link in the email is the only way into it: it is signed by us, it cannot be edited into somebody else’s goal, and it expires a little over a year after it was last sent. That also means we cannot get you back in if you lose the link, which is the cost of not holding a password for you.

Setting a goal does not put you on the newsletter. They are separate decisions with separate boxes. Every reminder carries a link that deletes the goal, its history and the reminders together, immediately and with no copy kept.

A watched position

This is the one place we hold a real set of your figures, and it is worth being exact about it. Working out your position at /position/ stores nothing at all: it runs in your browser like every other calculator here, and closing the tab loses it.

Asking us to watch that position is different, and it is different because it has to be: the point of watching is that we recompute your figures every month against rules that have moved since, and we cannot do that without keeping them. So if you ask for it, we store the figures you entered (income, children, company profit, what you have paid into ISAs, any assets and debts you gave us) along with your email address.

They are encrypted before they are written down, with a key that is not held in the database. Somebody who obtained a copy of the database would have your email address and a block of unreadable bytes. We also record, alongside them, what each tax threshold said on the day you saved. That is how we can tell you which figures have moved since, and it describes the tax system, not your personal circumstances.

We do not store anything worked out from those figures. What the thresholds take, what is expiring, where you stand: all of it is recalculated every time it is shown, so there is no conclusion about you sitting in a column anywhere.

A watched position has no account and no password, like a goal: the signed link in your email is the only way in. From that page you can download everything we hold as a file, or delete it. Deletion is immediate and total. There is no archive, no soft delete and no backup copy we keep back, which also means we cannot restore it if you change your mind. If you stop paying, we delete the figures ourselves after a short grace period.

The figures are used for your own monthly note and nothing else. They are never sold, shared, aggregated into anything we publish, or used to train anything.

The newsletter

If you subscribe we store your email address, the page you subscribed from, the date, and a record that you consented. We use it to send the UK Wealth Blueprint and the weekly letter.

Subscribing is double opt-in: you are not added until you click the link in the confirmation email. Every email carries an unsubscribe link that works immediately. We do not sell, rent or share the list.

Email is sent through Resend, and subscriber records are held in Supabase. Once you confirm, your email address and the name of the form you used are also copied to Byter Lab, the system we use to keep track of enquiries across our sites. No figures you enter are ever sent. All three act as processors on our instructions.

The lawful basis is your consent. You can withdraw it at any time by unsubscribing or by emailing hello@swealth.co.uk. We keep the record of consent itself after you unsubscribe, because being able to show that a person agreed is the reason the record exists.

Analytics

If, and only if, you agree on the banner, we use Google Analytics to count page and calculator use. Nothing is loaded before you answer, and answering no means no request is made at all. See cookies.

Your rights

Under UK GDPR you can ask for a copy of what we hold, have it corrected, have it deleted, or object to our using it. Email hello@swealth.co.uk and we will deal with it within a month. If you are not satisfied you can complain to the Information Commissioner’s Office at ico.org.uk.

Changes

If this page changes in a way that affects what we do with your data, subscribers get an email; we do not edit this page quietly and leave you to notice.