Privacy Policy

Last Updated: 12 January 2026

1. Introduction

This privacy policy explains how My Student Loan ("we", "us", "our") handles information when you use our website at my-student-loan.co.uk.

We are committed to protecting your privacy. This calculator is designed to work entirely in your browser, with no server-side storage of your financial data.

2. Information We Do NOT Collect

We want to be clear about what we don't collect:

• Salary information: Your annual salary figures are never sent to our servers
• Calculation results: Your monthly and annual repayment amounts remain private in your browser
• Loan details: Your loan plan type and balance information is not collected
• Personal information: We do not collect your name, email, address, or contact details through the calculator
• Student Loans Company data: We have no access to your actual student loan account
• Account data: This site has no user accounts, logins, or registration

3. How the Calculator Works

When you use the Student Loan Calculator:

• All calculations are performed in your web browser using JavaScript
• No salary or repayment data is transmitted to our servers or any third party
• Calculations use current Student Loans Company thresholds published by the UK government
• If you refresh your browser or use a different device, you'll need to re-enter your salary
• The calculator does not access your actual Student Loans Company account

4. Analytics

We use Google Analytics to understand how visitors use our site. This helps us improve the calculator and content.

What Google Analytics Collects:

• Pages you visit on our site
• How long you spend on each page
• How you arrived at our site (e.g., search engine, direct link)
• Your approximate location (country/city level, not precise location)
• Device and browser information (e.g., mobile vs desktop, Chrome vs Safari)
• Anonymous identifiers (through cookies)

What Google Analytics Does NOT Collect:

• Your name or email address
• Your salary or loan repayment amounts
• Your student loan plan type or balance
• Any personally identifiable information

Google Analytics uses cookies to track visits. You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.

5. Advertising

This website may display advertisements through Google AdSense.

How AdSense Works:

• Google serves ads based on your interests and browsing history across the web
• Google uses cookies to show relevant ads and measure ad performance
• We do not control which ads are shown or what data Google collects
• We do not share your salary or loan data with Google AdSense (we don't have access to it)

Controlling Ads:

• You can control personalized advertising in your Google Ads Settings
• You can opt out of personalized ads from many providers at aboutads.info
• You can use browser settings or extensions to block ads

For more information about Google's advertising practices, see How Google uses data when you use our partners' sites or apps.

6. Cookies

This website uses cookies for the following purposes:

Analytics Cookies:

Google Analytics cookies to understand site usage (as described above).

Advertising Cookies:

Google AdSense cookies for displaying and measuring ads (as described above).

Managing Cookies:

You can control cookies through your browser settings:

• Chrome: Settings → Privacy and security → Cookies
• Firefox: Settings → Privacy & Security → Cookies
• Safari: Preferences → Privacy → Cookies
• Edge: Settings → Cookies and site permissions

Note: Blocking all cookies will not affect the calculator's functionality as it doesn't store data.

7. Third-Party Links

This website contains links to external websites (e.g., GOV.UK and Student Loans Company). We are not responsible for the privacy practices of these external sites. Please review their privacy policies separately.

8. Children's Privacy

This calculator is intended for students aged 16+ and adults. We do not knowingly collect information from children under 16.

9. Data Security

Since we do not collect or store your salary or loan data on our servers, there is minimal security risk. Your data remains on your device and is as secure as your device and browser.

Our website uses HTTPS encryption to protect the connection between your browser and our server.

10. Your Rights

Under UK GDPR and Data Protection Act 2018, you have rights regarding personal data. However, since we do not collect or store personal data about you (beyond anonymous analytics), there is typically no data for us to provide, correct, or delete.

If you have concerns about Google Analytics or AdSense data:

• Contact Google using their privacy contact form
• Use the opt-out tools mentioned above

11. Changes to This Policy

We may update this privacy policy from time to time. Changes will be posted on this page with an updated "Last Updated" date. Continued use of the calculator after changes means you accept the updated policy.

12. Legal Basis for Processing

Where we process personal data (through analytics and advertising), our legal basis is:

• Legitimate interests: Understanding how our site is used to improve it
• Consent: By continuing to use the site, you consent to analytics and advertising as described

13. Contact Us

If you have questions about this privacy policy or how we handle data, please contact us:

• Email: hello@my-student-loan.co.uk
• Contact Form: Contact page

14. Important Financial Disclaimer

This calculator provides estimates only. Actual repayments are determined by:

• The Student Loans Company (official calculations)
• HMRC (for employed individuals)
• Your actual earnings and tax status

Always check your official Student Loans Company account for accurate balance and repayment information.

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