LTV Calculator UK

Privacy Policy

At LTV Calculator UK, operated by Miles Ainsworth, we respect your privacy and are committed to safeguarding your personal information. This Privacy Policy sets out in detail how we collect, use, disclose, and protect your data in line with the UK GDPR and the Data Protection Act 2018.

1. Information We Collect

We collect only the information necessary to provide our services effectively and improve your experience:

  • Calculator inputs: Property value, deposit, and mortgage amount. These inputs are processed locally for calculation purposes and are not stored permanently.
  • Analytics data: Anonymous statistics such as page views, device type, browser, and location (approximate). This helps us understand usage trends and improve the website.
  • Contact information: If you contact us via email or forms, we may collect your name, email address, and the contents of your message.
  • Technical data: IP address, operating system, and browser settings may be collected automatically by our hosting provider for security and operational purposes.

2. How We Use Your Information

Your information is used only for legitimate purposes:

  • To provide accurate loan-to-value (LTV) calculations.
  • To monitor and enhance site performance and usability.
  • To respond to enquiries, requests, or feedback you provide.
  • To protect against fraudulent use of our website.
  • To comply with legal or regulatory obligations.

We will never use your data for marketing without your consent.

3. Cookies and Tracking Technologies

We use cookies and similar technologies to improve user experience and collect anonymous analytics:

  • Essential cookies: Required for basic site functionality.
  • Analytics cookies: Help us understand how visitors use our site.
  • Preference cookies: Store your choices (such as cookie settings).

You can manage or disable cookies in your browser settings. Disabling cookies may affect site functionality.

4. Sharing of Data

We respect your confidentiality and will only share your data in limited cases:

  • With trusted third-party providers (e.g., hosting services, analytics platforms) who operate under strict confidentiality agreements.
  • Where required by law, regulation, or legal proceedings.
  • If our business is transferred, merged, or acquired, in which case data may transfer under equivalent privacy protections.

We do not sell or rent your personal data under any circumstances.

5. Data Security

We implement strong security measures, including:

  • Encryption (HTTPS) to protect data in transit.
  • Secure UK-based hosting with firewalls and intrusion prevention.
  • Regular monitoring for vulnerabilities and attacks.

While we take all reasonable precautions, no online service can guarantee 100% security.

6. Your Rights

Under UK GDPR, you have the following rights:

  • Access: Request a copy of the personal data we hold about you.
  • Correction: Ask us to correct inaccurate or incomplete data.
  • Erasure: Request that we delete your personal data.
  • Restriction: Limit how we process your data in certain situations.
  • Portability: Request a copy of your data in a structured format.
  • Objection: Object to processing where we rely on legitimate interests.
  • Withdraw consent: Where consent has been given, you can withdraw it at any time.

To exercise these rights, contact us at contact@ltvcalculator.uk.

7. Data Retention

We only retain your data for as long as necessary:

  • Calculator inputs: Not stored beyond your active session.
  • Contact details: Retained only until your enquiry is resolved, unless a longer retention is legally required.
  • Analytics data: Retained for up to 26 months to monitor usage trends.

8. Third-Party Links

Our site may include links to third-party websites or resources. We are not responsible for the content, security, or privacy practices of external sites. Please review their privacy policies before providing personal data.

9. Children’s Privacy

Our services are not directed to children under 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected such data, please contact us immediately.

10. Updates to This Policy

We may revise this Privacy Policy from time to time to reflect changes in law, regulation, or business practices. Updates will be posted on this page with a new “Last Updated” date. If significant changes are made, we will provide a prominent notice on our website.

Contact: For privacy-related questions, please email contact@ltvcalculator.uk.
Last Updated: September 2025