Privacy Policy

1. Who we are

RetirementPlanning.uk is operated by AkaalTec, a UK-based digital platform company. For the purposes of UK data protection law (the UK GDPR and the Data Protection Act 2018), AkaalTec is the data controller for personal information collected through this website.

If you have any questions about how we handle your personal data, please contact us at privacy@retirementplanning.uk.

2. What information we collect

We collect information in the following ways:

Information you provide directly

• Contact form submissions: your name, email address, and the content of your message.
• Calculator inputs: age, retirement age, income target, pension pot size, and contribution level. These are processed locally in your browser and are not stored or transmitted to our servers.
• Enquiry forms: if you submit an adviser introduction enquiry, we may collect your name, email, postcode, and retirement planning preferences.

Information collected automatically

• Usage data: pages visited, time on site, referral source, and browser and device type, collected via analytics tools.
• IP address: collected automatically by our hosting infrastructure for security and diagnostic purposes.

3. How we use your information

We use personal information for the following purposes and legal bases:

• Responding to enquiries (legitimate interest / contract): to reply to messages sent through our contact form.
• Adviser matching (consent): if you request an introduction to a financial adviser, we may pass your name, contact details, and stated preferences to a relevant FCA-regulated adviser firm. We will always ask for your explicit consent before doing so.
• Analytics and improvement (legitimate interest): to understand how visitors use the site and improve our content and tools.
• Legal compliance: to meet our obligations under applicable UK law.

We do not sell, rent, or trade your personal data to third parties for their own marketing purposes.

4. Cookies and analytics

This website may use cookies and similar technologies. These fall into the following categories:

• Essential cookies: required for the website to function correctly. These cannot be disabled.
• Analytics cookies: used to collect anonymised information about how visitors use the site (for example, page views and session duration). We use a privacy-respecting analytics tool and do not share this data with advertisers.
• Preference cookies: used to remember your light or dark mode preference.

Where required by law, we will request your consent before placing non-essential cookies. You can withdraw consent or manage cookie preferences at any time via your browser settings.

5. Third-party services

We may use the following third-party services that process data on our behalf:

• Analytics provider: to measure site performance and visitor behaviour.
• Email and form processing: to receive and manage contact form submissions.
• Adviser referral partners: FCA-regulated IFA firms or networks, where you have explicitly requested an introduction.

All third-party processors are required to handle personal data in accordance with UK GDPR and our data processing agreements.

6. Your rights

Under UK data protection law, you have the following rights in relation to your personal data:

• Right of access: you can request a copy of the personal data we hold about you.
• Right to rectification: you can ask us to correct inaccurate or incomplete data.
• Right to erasure: you can ask us to delete your personal data in certain circumstances.
• Right to restrict processing: you can ask us to limit how we use your data.
• Right to data portability: you can ask for your data in a portable, machine-readable format where applicable.
• Right to object: you can object to processing based on legitimate interests.
• Right to withdraw consent: where processing is based on consent, you can withdraw it at any time.

To exercise any of these rights, please contact us at privacy@retirementplanning.uk. We will respond within 30 days. You also have the right to lodge a complaint with the Information Commissioner's Office (ICO) at ico.org.uk.

7. How long we keep your data

• Contact form submissions: retained for up to 12 months, then securely deleted unless ongoing correspondence requires longer retention.
• Adviser referral data: passed to the relevant adviser firm and deleted from our systems once the introduction is made, unless you have requested otherwise.
• Analytics data: retained in anonymised or aggregated form for up to 26 months.

8. Security

We take reasonable technical and organisational measures to protect your personal data from unauthorised access, loss, or misuse. The site is served over HTTPS. However, no online transmission is completely secure and we cannot guarantee the security of data transmitted to us over the internet.

9. Children

This website is not directed at children under the age of 18. We do not knowingly collect personal data from children. If you believe a child has submitted personal information to us, please contact us and we will delete it promptly.

10. Contact us about this policy

If you have any questions, concerns, or requests relating to this privacy policy or your personal data, please contact us:

We may update this policy from time to time. Any changes will be posted on this page with an updated revision date. We encourage you to review this policy periodically.