Privacy Policy

Last updated: 24 February 2026

MortgageToolset ("we", "us", "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, store, and protect information when you visit and use our website at www.mortgagetoolset.com (the "Website"). This policy complies with the UK General Data Protection Regulation (UK GDPR), the Data Protection Act 2018, and the Privacy and Electronic Communications Regulations (PECR).

1. Who We Are

MortgageToolset is a UK-based website providing free mortgage calculators, tools, and educational guides. For the purposes of data protection legislation, we are the data controller responsible for your personal data. If you have any questions about this privacy policy or our data practices, please contact us via our contact page.

2. Information We Collect

2.1 Information You Provide

If you contact us through our contact form, we collect the personal information you voluntarily provide, which may include your name, email address, and message content. We use this information solely to respond to your enquiry and do not add it to any marketing database or share it with third parties.

2.2 Calculator Data

Our mortgage calculators run entirely in your web browser. The figures you enter into our calculators (loan amounts, interest rates, income, etc.) are processed locally on your device and are never transmitted to our servers or stored by us. We do not have access to any data you enter into our calculators.

2.3 Automatically Collected Information

When you visit our Website, certain information is collected automatically through cookies and similar technologies, including:

  • IP address (anonymised where possible)
  • Browser type and version
  • Operating system
  • Pages visited and time spent on each page
  • Referring website address
  • Screen resolution and device type
  • Date and time of your visit

3. How We Use Your Information

We use the information collected for the following purposes:

  • To respond to enquiries: If you contact us, we use your name and email to reply to your message.
  • To analyse website usage: We use analytics tools to understand how visitors use our Website, which pages are most popular, and how we can improve the user experience.
  • To display advertising: We use Google AdSense to display advertisements on our Website. This service may use cookies to serve ads based on your prior visits to our Website or other websites.
  • To maintain and improve the Website: Technical data helps us identify and fix issues, optimise performance, and ensure compatibility across browsers and devices.

4. Legal Basis for Processing

Under the UK GDPR, we process personal data on the following legal bases:

  • Consent: For non-essential cookies, including advertising and analytics cookies. You can manage your cookie preferences at any time.
  • Legitimate interests: For analysing website usage to improve our services, and for ensuring the security and proper functioning of our Website.
  • Contractual necessity: For responding to your contact form submissions, where you have initiated the communication.

5. Cookies and Tracking Technologies

5.1 What Are Cookies

Cookies are small text files placed on your device when you visit a website. They are widely used to make websites work more efficiently and to provide information to website owners.

5.2 Cookies We Use

Essential Cookies: These are necessary for the Website to function properly. They do not collect personal data and cannot be disabled.

Analytics Cookies: We may use Google Analytics to collect information about how visitors use our Website. Google Analytics uses cookies to collect data such as the number of visitors, which pages they visit, and how long they spend on the site. This data is aggregated and anonymised. You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.

Advertising Cookies: We use Google AdSense to display advertisements. Google and its partners use cookies to serve ads based on your prior visits to this Website and other websites on the internet. These cookies enable Google and its partners to serve ads to you based on your interests. You can opt out of personalised advertising by visiting Google's Ads Settings or by visiting www.aboutads.info.

5.3 Managing Cookies

You can control and delete cookies through your browser settings. Most browsers allow you to refuse all cookies, accept only first-party cookies, or delete cookies that have already been set. Please note that disabling cookies may affect the functionality of some parts of our Website. For more information about cookies and how to manage them, visit www.allaboutcookies.org.

6. Third-Party Services

6.1 Google AdSense

We use Google AdSense (publisher ID: ca-pub-6400987422522002) to display advertisements on our Website. Google AdSense uses cookies to serve ads and may collect information about your browsing activities across websites. Google's use of advertising cookies enables it and its partners to serve ads based on your visits to our Website and other sites on the internet. For more information about how Google uses data when you use our Website, please visit Google's Privacy Policy.

6.2 Google Analytics

We may use Google Analytics to collect and analyse data about Website usage. Google Analytics uses cookies to track visitor interactions. The information generated is transmitted to and stored by Google. For more information, see the Google Privacy Policy.

7. Data Sharing and Transfers

We do not sell, trade, or rent your personal data to third parties. We may share data with:

  • Google: Through AdSense and Analytics services as described above.
  • Hosting providers: Our Website is hosted on servers that may process technical data necessary for delivering the Website to you.
  • Legal requirements: We may disclose information if required by law, regulation, or legal process.

Where data is transferred outside the UK, we ensure appropriate safeguards are in place, including Standard Contractual Clauses approved by the Information Commissioner's Office (ICO).

8. Data Retention

Contact form submissions are retained for a maximum of 12 months after the enquiry has been resolved, after which they are securely deleted. Analytics data is retained in aggregated, anonymised form. Cookie data is retained in accordance with the cookie expiry periods set by each cookie provider.

9. Your Rights Under UK GDPR

Under UK data protection law, you have the following rights:

  • Right of access: You can request a copy of any personal data we hold about you.
  • Right to rectification: You can request correction of inaccurate personal data.
  • Right to erasure: You can request deletion of your personal data where there is no compelling reason for continued processing.
  • Right to restrict processing: You can request limitation of how we process your data.
  • Right to data portability: You can request your data in a structured, commonly used, machine-readable format.
  • Right to object: You can object to processing based on legitimate interests, including profiling for advertising purposes.
  • Right to withdraw consent: Where processing is based on consent, you can withdraw consent at any time.

To exercise any of these rights, please contact us via our contact page. We will respond to your request within one month. If you are not satisfied with our response, you have the right to lodge a complaint with the Information Commissioner's Office (ICO) at ico.org.uk.

10. Children's Privacy

Our Website is not directed at children under the age of 16. We do not knowingly collect personal data from children. If we become aware that we have collected personal data from a child under 16, we will take steps to delete that information promptly.

11. Security

We implement appropriate technical and organisational measures to protect personal data against unauthorised access, alteration, disclosure, or destruction. Our Website uses HTTPS encryption to secure data transmitted between your browser and our servers. However, no method of internet transmission or electronic storage is completely secure, and we cannot guarantee absolute security.

12. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. Any changes will be posted on this page with an updated "Last updated" date. We encourage you to review this policy periodically. Continued use of the Website after changes constitutes acceptance of the updated policy.

13. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us via our contact page.