Privacy Policy
Last Updated: 13 November 2025
This Privacy Policy explains how Smart Finance Tools ("we", "us", "our") handles information when you use our website and loan comparison tools at smart-finance-tools.com.
By using our website, you agree to the practices described here.
1. Overview
Smart Finance Tools is operated by an individual based in the United Kingdom. This website is designed to provide loan comparison tools for educational and informational purposes. We aim to keep data collection to an absolute minimum. The service is built so that you can use the calculator without providing any personal information.
2. Information We Do Not Collect
We do not collect or ask for:
- Names
- Email addresses
- Contact details
- Financial history
- Income information
- IP addresses for identification
- Device IDs
- Any information that can identify you personally
We do not create user accounts, store inputs, or retain any calculator data on our servers. All inputs remain in your browser.
3. Information We May Collect Automatically
To understand general usage patterns and improve the service, we use Google Analytics 4 (GA4) in anonymised mode.
When configured in this way:
- IP addresses are anonymised
- No personal identifiers are recorded
- No advertising features or profiling are enabled
- No cross-site tracking is performed
We may receive aggregated, non-identifiable data such as:
- Pages visited
- Time spent on the site
- General device/browser type
- Basic usage patterns
This data cannot identify you.
5. How We Use Information
Any anonymised analytics data is used solely to:
- Monitor website performance
- Improve the calculator
- Understand general usage trends
We do not sell, share, or combine this data with other sources.
6. Third-Party Services
We use Google Analytics 4 in privacy-enhanced mode. Google processes anonymised usage data on our behalf. No personal data is shared with or collected by Google for advertising purposes.
7. Data Security
Although we do not store personal data, we maintain reasonable technical measures to ensure secure hosting and protect the site from unauthorised access.
8. Your Rights
Because no identifiable personal data is stored, many GDPR rights (such as access, correction, or erasure) do not apply. If you have a concern, you can still contact us and we will help where possible.
9. Changes to This Policy
We may update this Privacy Policy from time to time. The "Last Updated" date will reflect any changes. Significant updates may be highlighted on the website.
10. Contact Us
If you have questions about this Privacy Policy, you can contact:
Email: hello@smart-finance-tools.com
Location: United Kingdom
11. Children's Privacy
Our website is not directed at children and is not intended for users under 16. We do not knowingly collect personal information from children.
12. International Users
This service is intended for users in the United Kingdom. Users outside the UK access the service at their own discretion.