Summary — Plain English First
1. Who We Are
Smart Sacrifice is an independent UK website at smartsacrifice.co.uk. For UK GDPR purposes, we are the data controller for the limited personal data described in this policy.
Contact: privacy@smartsacrifice.co.uk
2. What Data We Collect
2.1 Calculator inputs
When you use our salary sacrifice calculator, all calculations happen entirely in your browser using JavaScript. Your salary, contribution percentage, and other inputs never leave your device. We do not store, log, or transmit calculator data of any kind.
2.2 Analytics
We use a privacy-respecting analytics service to understand which pages are popular and how users navigate the site. Data collected is anonymous and aggregated — it includes pages viewed, approximate country, device type, and referring website. We do not collect IP addresses or build individual user profiles. Our analytics configuration is UK GDPR compliant without requiring a cookie consent banner.
2.3 Affiliate cookies
When you click a link marked "Sponsored" on our site, the partner (such as PensionBee or Nutmeg via the Awin network) may set a cookie on your browser. This cookie allows the partner to credit us with a referral commission if you sign up. The partner's own privacy policy governs any data they collect — we link to each partner's policy on our About page.
2.4 Contact enquiries
If you email us, we collect your email address and message content solely to respond to you. We do not add you to any mailing list or share your details with third parties.
3. How We Use Your Data
- To operate and improve the website and calculator
- To understand which content is useful (anonymous analytics only)
- To respond to enquiries you send us
- To comply with our legal obligations
We do not sell data. We do not use data for automated decision-making. We do not share data with third parties for marketing.
4. Lawful Basis for Processing
- Legitimate interests — anonymous analytics to improve the service
- Performance of contract — responding to enquiries you initiate
- Legal obligation — compliance with applicable UK law
5. Data Retention
Email correspondence is retained for 24 months from last contact, then deleted. Anonymous analytics data is aggregated and cannot be tied back to individuals. Calculator inputs are never stored — they exist only in your browser session.
6. Your Rights Under UK GDPR
You have the right to: access personal data we hold about you; request correction; request deletion; object to processing; data portability; and lodge a complaint with the ICO at ico.org.uk.
To exercise any right, email privacy@smartsacrifice.co.uk. We respond within 30 days.
7. Cookies
- Strictly necessary: none
- Analytics: none — our analytics provider does not use cookies
- Affiliate: set by third-party partners only when you click a sponsored link
You can disable all cookies in your browser settings without affecting calculator functionality.
8. Third-Party Services
- Awin — affiliate network · Privacy policy
- PensionBee — pension provider · Privacy policy
- Nutmeg — investment platform · Privacy policy
- Vanguard UK — investment platform · Privacy policy
- Vercel — website hosting · Privacy policy
9. Changes to This Policy
We may update this policy when our practices change. The "last updated" date at the top shows when. Material changes will be noted on the homepage for at least 14 days.
10. Contact
Privacy enquiries: privacy@smartsacrifice.co.uk
If unsatisfied with our response, you may complain to the ICO at ico.org.uk.