PRIVACY NOTICE

Last updated January 26, 2024

This privacy notice for the Student Finance Calculator ("we," "us," or "our") describes how and why we might collect, store, use, and/or share ("process") your information when you use our services ("Services"). This includes when you visit our website at studentfinancecalculator.co.uk or any website linking to this privacy notice and engage with us in other ways, such as sales, marketing, or events. Reading this privacy notice will help you understand your privacy rights and choices. If you disagree with our policies and practices, please refrain from using our Services. For questions or concerns, contact us at info@studentfinancecalculator.co.uk.

SUMMARY OF KEY POINTS

TABLE OF CONTENTS

1. WHAT INFORMATION DO WE COLLECT?

Personal information you disclose to us

In Short: We collect personal information that you provide to us.

We collect personal information that you voluntarily provide to us when you express an interest in obtaining information about us or our products and Services, when you participate in activities on the Services, or otherwise when you contact us.

Sensitive Information. We do not process sensitive information.

All personal information that you provide to us must be true, complete, and accurate, and you must notify us of any changes to such personal information.

Information automatically collected

In Short: Some information — such as your Internet Protocol (IP) address and/or browser and device characteristics — is collected automatically when you visit our Services.

We automatically collect certain information when you visit, use, or navigate the Services. This information does not reveal your specific identity (like your name or contact information) but may include device and usage information, such as your IP address, browser and device characteristics, operating system, language preferences, referring URLs, device name, country, location, information about how and when you use our Services, and other technical information. This information is primarily needed to maintain the security and operation of our Services, and for our internal analytics and reporting purposes.

Like many businesses, we also collect information through cookies and similar technologies.

The information we collect includes:



2. HOW DO WE PROCESS YOUR INFORMATION?

In Short: We process your information to provide, improve, and administer our Services, communicate with you, for security and fraud prevention, and to comply with law. We may also process your information for other purposes with your consent.

We process your personal information for a variety of reasons, depending on how you interact with our Services, including:



In Short: We only process your personal information when we believe it is necessary and we have a valid legal reason (i.e. legal basis) to do so under applicable law, like with your consent, to comply with laws, to provide you with services to enter into or fulfil our contractual obligations, to protect your rights, or to fulfil our legitimate business interests.

The General Data Protection Regulation (GDPR) and UK GDPR require us to explain the valid legal bases we rely on in order to process your personal information. As such, we may rely on the following legal bases to process your personal information:



4. WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?

In Short: We may share information in specific situations described in this section and/or with the following third parties.

We may need to share your personal information in the following situations:



5. WHAT IS OUR STANCE ON THIRD-PARTY WEBSITES?

In Short: We are not responsible for the safety of any information that you share with third parties that we may link to or who advertise on our Services, but are not affiliated with, our Services.

The Services may link to third-party websites, online services, or mobile applications and/or contain advertisements from third parties that are not affiliated with us and which may link to other websites, services, or applications. Accordingly, we do not make any guarantee regarding any such third parties, and we will not be liable for any loss or damage caused by the use of such third-party websites, services, or applications. The inclusion of a link towards a third-party website, service, or application does not imply an endorsement by us. We cannot guarantee the safety and privacy of data you provide to any third parties. Any data collected by third parties is not covered by this privacy notice. We are not responsible for the content or privacy and security practices and policies of any third parties, including other websites, services, or applications that may be linked to or from the Services. You should review the policies of such third parties and contact them directly to respond to your questions.



6. DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGIES?

In Short: We may use cookies and other tracking technologies to collect and store your information.

We may use cookies and similar tracking technologies (like web beacons and pixels) to access or store information. Specific information about how we use such technologies and how you can refuse certain cookies is set out in our Cookie Notice.



7. HOW LONG DO WE KEEP YOUR INFORMATION?

In Short: We keep your information for as long as necessary to fulfil the purposes outlined in this privacy notice unless otherwise required by law.

We will only keep your personal information for as long as it is necessary for the purposes set out in this privacy notice, unless a longer retention period is required or permitted by law (such as tax, accounting, or other legal requirements).

When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymise such information, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.



8. DO WE COLLECT INFORMATION FROM MINORS?

In Short: We do not knowingly collect data from or market to children under 18 years of age.

We do not knowingly solicit data from or market to children under 18 years of age. By using the Services, you represent that you are at least 18 or that you are the parent or guardian of such a minor and consent to such minor dependent’s use of the Services. If we learn that personal information from users less than 18 years of age has been collected, we will deactivate the account and take reasonable measures to promptly delete such data from our records. If you become aware of any data we may have collected from children under age 18, please contact us at info@studentfinancecalculator.co.uk.



9. WHAT ARE YOUR PRIVACY RIGHTS?

In Short: You may have rights to access, rectify, or delete your personal information.

Depending on your location, you have rights under data protection laws. You can exercise these rights by contacting us.



10. CONTROLS FOR DO-NOT-TRACK FEATURES

Most web browsers have a Do-Not-Track (DNT) feature. We do not currently respond to DNT signals. Learn more.



11. DO WE MAKE UPDATES TO THIS NOTICE?

In Short: Yes, we will update this notice to stay compliant.

We may update this privacy notice. The updated version will be effective once accessible. We may notify you of material changes.



12. HOW CAN YOU CONTACT US ABOUT THIS NOTICE?

For questions or comments, email us at info@studentfinancecalculator.co.uk



13. HOW CAN YOU REVIEW, UPDATE, OR DELETE THE DATA WE COLLECT FROM YOU?

Depending on your country's laws, you can request access, changes, or deletion of your personal information.

Disclaimer

The Student Finance Calculator is a helpful tool designed for estimation purposes only. It's like your friendly guide to give you an idea of your potential student loan repayments. But, and this is a big but, please remember that it should never be considered as personalised financial advice or a one-size-fits-all solution for managing your money.

We strongly recommend talking to a qualified financial advisor or loan expert before making any big decisions about your student loans or money matters.

Using the Student Finance Calculator means you agree that they're not liable for any damages or losses resulting from your calculations or reliance on the information provided.

Government student loans

It's essential to stay informed about your student loan and the options available to you. For official and up-to-date information on government student loans, we highly recommend visiting the official website for the most up-to-date information.

Student Finance Main Page: The main page for student finance provides comprehensive information on various student finance options, eligibility criteria, and how to apply for loans. Visit the Student Finance Main Page. Visit the Student Finance Main Page.

Student Loans Guide 2023-2024: Detailed terms and conditions for student loans for the academic year 2023-2024. View Student Loans Guide 2023-2024.

Student Loans Guide 2022-2023: Terms and conditions for student loans for the academic year 2022-2023. View Student Loans Guide 2022-2023.

General Information: Information and guidance on student finance for existing students. Student Finance for Existing Students.

Course Started Between 1 Sep 2012 - 1 Aug 2016: Specific information for existing students whose course started between 1st September 2012 and 1st August 2016. View Course Information.

Course Started Before 1 Sep 2012: Information for existing students whose course started before 1st September 2012. View Course Information. Got any questions or concerns? Drop the team a line on the "Contact Us" page, and we’ll get back to you as soon as we can!

Happy calculating!