Privacy Policy

At Gilt Calculator (www.giltcalculator.co.uk), we are committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal data in compliance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018. By using our website and services (collectively, the "Services"), you consent to the practices described in this policy.

1. Information We Collect

We may collect the following types of information when you use our Services:

• Personal Data: When you create an account or subscribe to our Services, we may collect your name, email address, and payment information (processed securely via Stripe).
• Usage Data: We collect information about how you interact with our Services, such as IP addresses, browser type, pages visited, and time spent on the website.
• Cookies and Tracking Technologies: We use cookies to enhance your experience, analyse usage, and deliver personalised content. You can manage cookie preferences through your browser settings.

2. How We Use Your Information

We use your information for the following purposes:

• To provide and maintain our Services, including processing subscriptions and delivering financial tools.
• To communicate with you, such as responding to inquiries or sending service-related notifications.
• To analyse and improve our Services, including website performance and user experience.
• To comply with legal obligations, such as tax reporting or data protection regulations.

3. Legal Basis for Processing

We process your personal data under the following legal bases:

• Contract: To fulfill our obligations under your subscription or account agreement.
• Consent: For optional data collection, such as marketing communications, where you have provided explicit consent.
• Legitimate Interests: For improving our Services and ensuring website security, where such interests do not override your rights.
• Legal Obligation: To comply with applicable laws and regulations.

4. Sharing Your Information

We may share your information with:

• Service Providers: Third parties like Stripe (for payment processing) and Supabase (for data storage) that assist us in delivering our Services. These providers are bound by strict confidentiality agreements.
• Legal Authorities: When required by law or to protect our rights, we may disclose your information to regulatory bodies or law enforcement.

We do not sell your personal data to third parties.

5. Data Security

We implement appropriate technical and organisational measures to protect your personal data, including encryption and secure servers. However, no system is completely secure, and we cannot guarantee absolute security.

6. Your Rights

Under UK GDPR, you have the following rights regarding your personal data:

• Access: Request a copy of the personal data we hold about you.
• Rectification: Correct inaccurate or incomplete data.
• Erasure: Request deletion of your data, subject to legal obligations.
• Restriction: Restrict processing of your data in certain circumstances.
• Portability: Receive your data in a structured, portable format.
• Objection: Object to processing based on legitimate interests or for marketing purposes.

To exercise these rights, contact us at giltcalculator@gmail.com. We will respond within one month, as required by law.

7. Data Retention

We retain your personal data only for as long as necessary to fulfill the purposes outlined in this policy or to comply with legal requirements. For example, account data is retained while your account is active, and payment data may be kept for seven years to comply with tax laws.

8. International Data Transfers

Some of our service providers (e.g., Stripe, Supabase) may process data outside the UK. We ensure such transfers comply with UK GDPR through appropriate safeguards, such as Standard Contractual Clauses.

9. Cookies

Our website uses cookies to enhance functionality and analyse usage. Essential cookies are necessary for the website to function, while optional cookies (e.g., for analytics) require your consent. You can manage cookie preferences via your browser or our cookie consent tool (if applicable).

10. Changes to This Policy

We may update this Privacy Policy to reflect changes in our practices or legal requirements. We will notify you of significant changes by posting the updated policy on our website or via email. Your continued use of the Services after such changes constitutes your acceptance of the revised policy.

11. Contact Us

If you have any questions about this Privacy Policy or our data practices, please contact us at:
Email: giltcalculator@gmail.com

You may also lodge a complaint with the UK Information Commissioner’s Office (ICO) at www.ico.org.uk if you believe we have not handled your data appropriately.