1. Who We Are
WiseYields is a UK-based financial education website ("we", "us", "our") operating at wiseyields.com. We provide free financial calculators, guides, and tools to help UK and US residents make more informed money decisions.
For data protection purposes, WiseYields is the data controller. If you have any questions about how we handle your personal data, please contact us at privacy@wiseyields.com.
2. Information We Collect
2a. Information You Give Us
- Your name and email address when you contact us or subscribe to our newsletter
- The content of messages you send us via our contact form
2b. Information Collected Automatically
- IP address and approximate location (country/region level)
- Browser type, operating system, and device type
- Pages visited, time spent on site, and referrer URL
- Anonymised, aggregated calculator usage statistics
Important: Your financial data stays on your device
All calculator inputs — salaries, mortgage amounts, investment figures — are processed entirely in your browser. We do not transmit or store your personal financial information on our servers.
3. How We Use Your Information
- To provide, maintain, and improve our calculators and content
- To respond to your enquiries and provide support
- To send our newsletter (only if you subscribed — you can unsubscribe any time)
- To understand how users interact with our site via anonymised analytics
- To display relevant advertisements via Google AdSense
- To detect and prevent fraud, abuse, or security incidents
- To comply with our legal and regulatory obligations
4. Legal Basis for Processing (UK GDPR)
- Legitimate interests — Operating, securing, and improving our website; understanding how it is used
- Consent — For non-essential cookies and advertising (managed via our cookie consent banner)
- Contract performance — Delivering services you have requested (e.g., newsletter)
- Legal obligation — Compliance with applicable UK law
5. Cookies and Tracking
We use cookies and similar technologies. These fall into three categories:
- Essential cookies — Required for the site to function (e.g., cookie consent preference storage). No consent needed.
- Analytics cookies — Used to understand site usage. Only placed with your consent.
- Advertising cookies — Used by Google AdSense to serve relevant ads. Only placed with your consent.
You can manage your cookie preferences at any time via our cookie banner or your browser settings. For full details see our Cookie Policy.
6. Third-Party Services
Google AdSense — Displays contextual advertisements. Google may use cookies to serve ads based on your browsing history. See: Google Privacy Policy · Manage ad personalisation
Google Analytics — Provides anonymised website traffic statistics. Data is aggregated and does not identify individual users. IP anonymisation is enabled.
Hosting / Infrastructure — Our website is hosted on servers compliant with UK data protection standards.
Email service (Resend) — Used to send newsletter and transactional emails. Your email address is stored securely and never sold or shared with third parties for marketing.
7. Data Retention
- Contact enquiry data: retained for up to 3 years
- Newsletter subscriber data: retained until you unsubscribe, then deleted within 30 days
- Analytics data: retained for up to 14 months in anonymised, aggregated form
- Server logs: retained for up to 90 days for security and debugging purposes
8. International Transfers
Some third-party services (such as Google) may transfer and process data outside the UK. We ensure appropriate safeguards are in place — including UK IDTA Standard Contractual Clauses — to protect your data in compliance with UK GDPR.
9. Your Rights
Under UK data protection law you have the right to:
- Access — Request a copy of the personal data we hold about you
- Rectification — Ask us to correct inaccurate or incomplete data
- Erasure — Ask us to delete your personal data ("right to be forgotten")
- Restriction — Ask us to limit how we use your data
- Portability — Request your data in a machine-readable format
- Object — Object to processing based on legitimate interests or for direct marketing
- Withdraw consent — Where processing is based on consent, withdraw it at any time
To exercise any of these rights, email privacy@wiseyields.com. We will respond within 30 days. You also have the right to complain to the UK Information Commissioner's Office (ICO).
10. Data Security
We implement appropriate technical and organisational security measures to protect your personal data against unauthorised access, loss, alteration, or disclosure. These include encrypted connections (HTTPS), access controls, and regular security reviews.
11. Children's Privacy
WiseYields is not directed at children under 16. We do not knowingly collect personal data from children. If you believe we have inadvertently collected data from a child, please contact us and we will delete it promptly.
12. Changes to This Policy
We may update this Privacy Policy periodically. The "Last updated" date at the top of this page will reflect any changes. We encourage you to review this policy whenever you use our site.
13. Contact
For privacy-related queries: privacy@wiseyields.com
For general queries: Contact page
To make a complaint to the regulator: ico.org.uk
