Privacy Policy

How to exercise your rights — and how long it takes

Email hello@carfinancecalculator.uk with your request and we'll respond within one calendar month, as the UK GDPR requires — there's no form to fill in and no fee in almost all cases.

You don't have to use a particular form of words or cite the Act. A plain email saying 'please send me the personal data you hold about me' is a valid subject access request, and a request to delete, correct, or stop processing is handled the same way. We may ask for enough information to confirm who you are — usually an email reply from the address you contacted us from — but we won't ask for excessive identity documents.

The default deadline is one calendar month from the day we receive your request, and that can be extended by two further months where a request is complex or you've made several at once — in which case we'll tell you within the first month and explain why. Because we hold so little personal data by design, most requests are answered well inside the deadline, often within a few days. There's no fee, unless a request is manifestly unfounded or excessive (for example, repeated identical requests), in which case we may charge a reasonable fee or decline, and we'll explain our reasoning.

If you're unhappy with our response, the first step is to reply and ask us to review it — most disputes are resolved at that stage. If we still can't agree, you can complain to the Information Commissioner's Office (ICO) at no cost, and you retain the right to seek a judicial remedy through the courts. We'd always rather fix a problem directly, so please do contact us first.

Who we share data with — and who we don't

We don't share personal data with lenders, brokers, claims firms, or anyone who might use it to market financial products to you. The third parties we do use are limited to hosting, analytics and advertising, under written contracts.

Because the site doesn't collect finance details or build a profile of you, there is nothing to sell or pass on to a lender. We are not a credit broker, we are not a lead generator, and we do not receive commission for introducing you to any finance provider. If you see a lender or broker link on the site, it's an editorial reference to help your research, not a data-passing arrangement — clicking it takes you to their site, and what you do there is governed by their privacy policy, not ours.

The third parties we do rely on are operational: a hosting provider that serves the pages, an analytics provider that aggregates anonymous traffic data, and an advertising partner that serves and measures ads (only when you've consented). Each operates under a written contract that requires UK GDPR-compliant processing, and each is a data processor acting on our instructions rather than deciding how your data is used. We don't transfer personal data outside the UK unless a provider does so under an adequacy regulation or appropriate safeguards such as Standard Contractual Clauses, and we name those arrangements here if and when they apply.

We'll only disclose personal data where we're legally required to — for example, in response to a properly framed request from a law-enforcement or regulatory body. That has never arisen in the ordinary running of the site, and we'd push back on any request that was disproportionate or not properly grounded.

How we keep data secure

We keep what little data we hold to a minimum, store it behind access controls, and use HTTPS encryption for everything that moves between your browser and our servers.

The most meaningful security measure on this site is structural: because calculator inputs never leave your browser, there is no database of finance figures to protect or breach. The personal data we do hold — chiefly your consent choice and, if you email us, your message — sits behind provider access controls, with HTTPS encrypting data in transit between your device and our servers.

If something were to go wrong — a breach of personal data likely to result in a risk to your rights and freedoms — we would notify the ICO within 72 hours of becoming aware of it, as the UK GDPR requires, and we would tell you directly if the risk was high. We've not had such an incident, but the process exists so that, if one ever occurs, the timeline and the disclosure obligations are clear rather than improvised.

Children's privacy

The site is not directed at children under 16, and we don't knowingly collect their data.

Car finance agreements require you to be 18, so the calculators and guides are written for adults. We don't knowingly collect personal data from anyone under 16, and if you believe we have, contact us and we'll delete it. The UK GDPR sets 13 as the default age at which a child can consent to online processing in their own right, but because our content is aimed at adults and our calculators aren't designed for under-18s, we apply a higher threshold of 16 as a matter of good practice.

Changes to this policy and who we are

If we change how we handle data, we'll update this page and the date it was last reviewed — and we're the data controller for this site, so the responsibility for your data sits with us, not a contractor.

Any material change to what we collect or why will appear here, dated. We won't quietly broaden our data collection — and because the calculators process figures in your browser, the core promise (that your numbers never reach us) won't change regardless of how the rest of the policy evolves. For the cookie detail, see the cookie policy.

For the avoidance of doubt: CarFinanceCalculator.uk is the data controller for the personal data described in this policy, which means we decide why and how it's processed. Our hosting, analytics and advertising partners are processors acting on our instructions under contract. If you want to know more about who operates the site, see our about us page, and if you'd like to raise anything in writing, our contact page has the details — including how to reach the ICO if you'd rather go straight to the regulator.