Privacy

You're thirtyish and you've stopped reading these. This one is short, and the first section is the part worth having.

Your salary and your loan balance never leave your device

The calculator runs inside your browser. Nothing you type is sent to me, stored, or seen by anyone.

This is the claim most worth checking, so here is how to check it. Open your browser's developer tools, go to the Network tab, and use the calculator. Nothing goes out. There is no server doing the sums, because the sums happen on your phone.

There's no account, no login, no saved history and no email box. I couldn't tell you what you typed if you asked me to.

I don't run analytics

No Google Analytics, no heatmaps, no session recording. I don't know how many people visited this page, and I've chosen not to find out.

That's an unusual choice and it costs me something real — I have no way of knowing which explanations work and which ones lose people. I've accepted that rather than track you around a site about your debts.

Advertising is the exception, and it does use cookies

Ads pay for the site. The ad network sets cookies, and you get to say no.

The site carries advertising served by Google. To do that, Google may set cookies or read identifiers on your device — to limit how often you see the same ad, to measure whether ads worked, and, if you agree to it, to personalise which ads you see.

You'll be asked before any of that happens. UK and European visitors get a consent banner, and it's a genuine choice: decline and you'll still see ads, they'll just be non-personalised and worth less to me. That's my problem, not yours.

You can change your mind at any time using the privacy settings link in the site footer.

Google's own explanation of what it collects when it serves ads is at How Google uses information from sites that use its services. It is more thorough than anything I could write, and it's their processing rather than mine.

The hosting provider keeps standard server logs

Your IP address reaches the server that sends you this page. There's no way around that; it's how the web works.

The site is hosted by Cloudflare. Like every web host, it records the technical details of requests — IP address, time, which page, which browser — and uses them to serve the site and to block attacks. I don't use those logs for anything and don't build any profile from them.

Nobody buys anything from me

No data is sold, shared or traded. There's no mailing list to be added to.

I have nothing to sell and no list to sell it to.

Your rights, briefly

UK data protection law gives you rights over information about you. For most of it, the right holder here is Google or Cloudflare rather than me — because they hold it and I don't.

You can ask for access to personal data, correction, deletion, or object to processing. Where the data sits with Google's advertising or Cloudflare's logs, those requests are best made to them, and both have processes for it. Where I hold something — realistically only an email you've sent me — write to the address below and I'll deal with it.

If you think something has been handled badly you can complain to the Information Commissioner's Office at ico.org.uk, and you don't need to come to me first.

Who is responsible for this site

A sole trader trading as Thirtyish.

Thirtyish Suite 107, 80A Ruskin Ave Welling DA16 3QQ [email protected]

If this page changes, the date changes

Last updated: [DEPLOY DATE].

If the site ever starts doing something this page doesn't describe — analytics, an email list, affiliate links — this page changes first, and the date above tells you when.