About This Site
MortgageVPension.com is a free UK personal finance calculator and educational resource. The site helps users compare mortgage overpayments, pension contributions, Stocks & Shares ISAs and Lifetime ISAs.
This site does not ask you to create an account, provide your name, or submit any personal financial data to us. All calculator inputs are processed entirely within your browser and are never transmitted to or stored on our servers.
However, like most websites, we use third-party services — including Google — that collect certain data automatically when you visit. This policy explains what that means for you.
How We Use Cookies
Cookies are small text files placed on your device by websites you visit. They are widely used to make websites work, remember your preferences, and provide information to site owners.
This site uses the following types of cookies:
- Advertising cookies (Google AdSense): Google places cookies on your device to show you personalised adverts based on your browsing history across the web. These are set by Google, not by us directly.
- Analytics cookies (Google Analytics): Used to understand how visitors use the site — which pages are visited, how long people stay, and how they arrive. This data is aggregated and anonymous.
- Functional cookies: Some cookies are essential for basic site functionality. These do not track you or collect personal data.
Most browsers allow you to refuse cookies entirely or to alert you when a cookie is being set. Refer to your browser's help documentation for instructions specific to your browser.
What Data Is Collected
Data you enter into the calculator: All financial figures you type or slide — mortgage balance, salary, contributions, pension pot size, and so on — are processed entirely within your browser using JavaScript. This data is never sent to our servers, stored, or shared with anyone. When you close or refresh the page, it is gone.
Data collected automatically: When you visit this site, certain technical information is collected automatically by our third-party service providers (Google). This may include:
- Your IP address (typically anonymised before storage)
- Browser type and version
- Device type (desktop, mobile, tablet)
- Pages visited and time spent on each page
- How you arrived at the site (e.g. from a search engine, direct link, or social media)
- General geographic location (country or region level — not precise location)
We do not collect your name, email address, phone number, or any directly identifying personal information. We have no user accounts and no contact forms.
Third-Party Advertising — Google AdSense
This site uses Google AdSense to display advertisements. Google AdSense is operated by Google LLC. Displaying these ads helps fund the free tools and content on this site.
Google uses cookies and similar technologies to serve ads based on your prior visits to this site and other sites across the internet. This is known as interest-based or personalised advertising.
How Google uses this data:
- Google may use your browsing history to show you ads that match your interests
- Google's advertising systems may share data with advertising partners
- Google collects data on ad impressions, clicks, and conversions
You can learn more about how Google uses data when you visit sites that use Google services, and how to opt out of personalised advertising:
Analytics Tracking — Google Analytics
This site uses Google Analytics, a web analytics service provided by Google LLC. Google Analytics helps us understand how visitors use the site so we can improve it — for example, which calculator features are most used, which articles are most read, and where visitors are coming from.
What Google Analytics tracks:
- Number of visitors and page views
- Which pages are visited and in what order
- How long visitors spend on each page
- What device and browser type is used
- Broad geographic location (country/region — not precise)
- Traffic source (search engine, direct, referral)
Google Analytics data is aggregated — we see trends and totals, not individual user journeys. IP addresses are anonymised where possible under Google's default settings.
Your Rights Under UK GDPR
As a UK resident, you have rights under the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018. Since this site does not collect personally identifiable information directly, most of these rights will relate to data held by our third-party providers (primarily Google).
Your rights include:
- Right to access: Request a copy of any personal data held about you
- Right to erasure: Request deletion of your personal data where no legal obligation requires retention
- Right to object: Object to processing of your data for direct marketing or where processing is based on legitimate interests
- Right to restrict processing: Request that processing of your data be limited in certain circumstances
- Right to data portability: Receive your data in a machine-readable format
To exercise rights related to Google's data collection, please visit myaccount.google.com or contact Google directly.
You also have the right to lodge a complaint with the Information Commissioner's Office (ICO), the UK's data protection regulator:
Affiliate Links & Commercial Relationships
Some links on MortgageVPension.com are affiliate links. This means that if you click a link and go on to open an account or complete a purchase with a third-party provider, we may receive a commission or referral fee from that provider. This comes at no extra cost to you whatsoever — you pay exactly the same as if you had gone directly to the provider's website.
Which pages contain affiliate links: Affiliate links appear primarily in our "best buy" comparison articles, provider review pages, and "how to open" guides. These include pages comparing LISA providers, SIPP providers, Stocks & Shares ISA providers, and mortgage brokers. Affiliate links are clearly marked with buttons such as "Open ISA →" or "Open SIPP →".
Our editorial independence: The presence of affiliate relationships does not influence our editorial content. We do not accept payment to feature a provider, rank a provider higher than they deserve, or write favourable reviews in exchange for commission. Our comparisons are based on independently researched fees, product features and suitability criteria. We only include providers we believe offer genuine value to UK consumers.
Who our affiliate partners are: We work with established, FCA-regulated UK financial services providers including investment platforms, pension providers, and mortgage brokers. All affiliate partners are authorised and regulated by the Financial Conduct Authority (FCA) or are appointed representatives of FCA-authorised firms.
Awin affiliate network: Many of our affiliate links are managed through the Awin affiliate network (awin.com). When you click an affiliate link, Awin places a tracking cookie on your device to attribute any resulting account opening to our site. This cookie data is used solely for commission tracking purposes and is governed by Awin's own privacy policy.
Not financial advice: The presence of affiliate links does not constitute financial advice or a personal recommendation. The information on this site is for educational and illustrative purposes only. You should always conduct your own research and consider seeking advice from a qualified, FCA-regulated financial adviser before opening any financial product.
Links to Other Websites
Our articles and calculator pages may contain links to external websites — for example, links to official HMRC guidance, FCA information, or government financial guidance. These links are provided for your information and convenience.
We have no control over the content or privacy practices of these external sites and accept no responsibility for them. We encourage you to read the privacy policy of any website you visit.
Changes to This Policy
We may update this Privacy Policy from time to time, for example if our use of third-party services changes, or if legal requirements change. The date at the top of this page shows when the policy was last updated.
We recommend checking this page periodically if you are a regular user of the site. Continued use of the site after any changes constitutes your acceptance of the updated policy.
Questions About This Policy
If you have any questions about this Privacy Policy or how your data is handled, you can contact us at:
Website: mortgagevpension.com
Jurisdiction: England and Wales, United Kingdom
This site is operated as a personal project and is not a registered company. Third-party data collection (Google) is governed by Google's own terms and privacy policies.