1. Introduction

Your privacy is important to us. This Privacy Policy explains how we collect, use, and protect information when you visit or use our website.

We do not collect or store any of your personal financial data. All calculations are performed locally in your browser.

2. Information We Collect

2.1 Data You Provide

We do not collect, store, or transmit any personal financial information you enter into our calculators (such as loan amounts, interest rates, income, or debt balances). All computations happen in real-time within your browser.

2.2 Automatically Collected Information

We may collect standard technical data, including:

• IP address (anonymised where possible)
• Browser type and version
• Operating system
• Device type
• Referring website and pages visited
• General geographic location (country/region level only)

This information helps us improve site performance and user experience.

2.3 Cookies

We use cookies and similar technologies for essential site functionality, analytics, and advertising.

3. How We Use Information

• To operate and improve our website
• To analyse site usage and trends (via Google Analytics)
• To deliver relevant advertisements through Google AdSense
• To track affiliate referrals (anonymously)

4. Advertising & Third Parties

Google AdSense

We use Google AdSense to display advertisements. Google may use cookies to serve personalised ads based on your browsing history. You can manage your ad preferences here.

Affiliate Links

We participate in affiliate programmes. Clicking certain links may place a tracking cookie from the partner network. These cookies do not access your calculator inputs.

Analytics

We use Google Analytics to understand how visitors use the site. This data is anonymous.

5. Data Security – Zero-Storage Policy

Because our founder has a background in cyber security, REPAYLY was deliberately built without any server-side databases for user financial inputs. This eliminates the risk of data breaches involving your personal calculations.

All data you enter remains on your device and is cleared when you close the browser tab.

6. Your Rights (GDPR & CCPA)

Depending on your location, you may have the right to:

• Access, correct, or delete your personal data
• Withdraw consent for cookies
• Opt out of personalised advertising
• Request information about data processing

You can exercise these rights by contacting us or managing settings through our cookie consent banner.

7. Children's Privacy

Our site is not directed at children under 13. We do not knowingly collect data from children.

8. Changes to This Policy

We may update this Privacy Policy occasionally. We will notify users of significant changes by posting the new policy on this page and updating the "Last Revised" date.

9. Contact Us

If you have any questions about this Privacy Policy, please contact us at:
Email: privacy@repayly.uk

REPAYLY is not regulated by the Financial Conduct Authority (FCA). All content is for illustrative purposes only.