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Privacy Policy

Last Updated: October 12, 2025

1. Overview

This Privacy Policy explains how Premium Bonds Calculator ("we", "us", "our") collects, uses, and protects information when you use our website at pbprizes.com ("Service").

2. Information We Collect

2.1 Information You Provide

Investment Calculations: When you use the calculator, all investment amounts and calculations are processed entirely in your browser. We do not collect, store, or transmit this information to our servers.

Contact Information: If you contact us via email, we collect your email address and any information you choose to provide in your message.

2.2 Information Automatically Collected

We automatically collect certain information about your device and how you interact with our Service:

Category	Information Collected	Purpose
Analytics Data	Pages visited, time spent, clicks, browser type, device type, screen resolution	Understand usage patterns and improve the Service
Technical Data	IP address, browser type, operating system, referrer URL	Ensure Service functionality and security
Cookies	Google Analytics cookies (see section 4)	Track anonymous usage statistics

3. How We Use Your Information

We use collected information for the following purposes:

• Service Operation: To provide and maintain the calculator functionality
• Analytics: To understand how users interact with the Service and identify areas for improvement
• Communication: To respond to your inquiries and provide support
• Security: To detect, prevent, and address technical issues and security threats
• Legal Compliance: To comply with applicable laws and regulations

4. Cookies and Tracking Technologies

4.1 Google Analytics

We use Google Analytics to analyze website traffic and usage patterns. Google Analytics uses cookies to collect information such as:

• Pages you visit
• Time spent on pages
• Browser and device information
• General geographic location (country/city level)

This information is aggregated and anonymized. Google Analytics does not collect your investment amounts or personal financial information.

4.2 Managing Cookies

You can control cookies through your browser settings:

• Most browsers allow you to refuse cookies or delete existing cookies
• You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on
• Note that disabling cookies may affect Service functionality

5. Third-Party Services

5.1 Services We Use

Our Service uses the following third-party services:

• Google Analytics: Website analytics (Privacy Policy: Google Privacy Policy)
• Netlify: Website hosting (Privacy Policy: Netlify Privacy Policy)
• CDN Providers: JavaScript libraries for calculator functionality

5.2 External Links

Our Service contains links to external websites, including:

• NS&I official website (www.nsandi.com)
• Buy Me A Coffee (support platform)
• Government resources

We are not responsible for the privacy practices of external websites. We encourage you to review their privacy policies.

6. Data Security

We implement appropriate security measures to protect your information:

• HTTPS Encryption: All data transmitted between your browser and our servers is encrypted
• Secure Hosting: Our website is hosted on secure, industry-standard infrastructure
• No Personal Data Storage: We do not store your investment amounts or financial calculations
• Limited Data Collection: We collect only the minimum data necessary for Service operation

However, no method of transmission over the internet is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

7. Data Retention

We retain information for the following periods:

• Analytics Data: Retained by Google Analytics according to their data retention settings (typically 26 months)
• Email Communications: Retained as long as necessary to respond to your inquiry and for record-keeping purposes
• Calculator Data: Not retained - all calculations occur in your browser and are not transmitted to our servers

8. Your Rights

Depending on your location, you may have the following rights regarding your personal information:

• Access: Request access to personal information we hold about you
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your personal information
• Objection: Object to processing of your personal information
• Data Portability: Request transfer of your information to another service
• Withdraw Consent: Withdraw consent for data processing where consent is the legal basis

To exercise these rights, please contact us at hello@premiumbondsprizes.com.

9. UK GDPR Compliance

We comply with the UK General Data Protection Regulation (UK GDPR). Our legal basis for processing personal data includes:

• Legitimate Interests: To operate and improve the Service
• Consent: For cookies and analytics (implied through continued use)
• Legal Obligations: To comply with applicable laws

10. Children's Privacy

Our Service is not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If you are a parent or guardian and believe your child has provided us with personal information, please contact us.

11. International Data Transfers

Your information may be processed in countries outside the UK, including:

• United States (Google Analytics, Netlify)
• European Union (CDN providers)

We ensure appropriate safeguards are in place for international transfers, including reliance on adequacy decisions and standard contractual clauses where applicable.

12. California Privacy Rights (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information is collected
• Right to know if personal information is sold or disclosed
• Right to opt-out of sale of personal information
• Right to deletion of personal information
• Right to non-discrimination for exercising CCPA rights

Note: We do not sell personal information.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Changes will be effective immediately upon posting. We will notify you of significant changes by:

• Updating the "Last Updated" date at the top of this policy
• Posting a notice on our homepage (for material changes)

Your continued use of the Service after changes constitutes acceptance of the updated Privacy Policy.

14. Contact Us

If you have questions about this Privacy Policy or our privacy practices, please contact us:

Email: hello@premiumbondsprizes.com