Last Updated: May 2026
Welcome to plan58.co.uk. We provide isolated, interactive financial simulation tools covering specific UK financial mechanics, including the High Income Child Benefit Charge (HICBC), retirement bridging timelines, and investment versus debt overpayment comparisons.
We take a "privacy-by-design" approach. This policy outlines exactly how your data is handled, ensuring you retain full control over your financial information.
1. Local Client-Side Processing (No Passive Tracking)
The primary calculations on this website are executed 100% locally client-side within your own web browser context.
No Passive Logging: We do not use real-time tracking scripts, keystroke loggers, or background forms tracking. As you type numbers, move sliders, or interact with our tools, no data is passively captured or transmitted over the network.
No Hidden Forms Storage: If you use our calculators without explicitly choosing to save your data via our sharing controls, your inputs vanish the moment you close or refresh the page.
2. The "Shareable Link" Control & Voluntary Database Logging
If you explicitly choose to use the "Copy Shareable Link" button to save or share a simulation scenario, a dual action occurs:
URL Parameter Generation: The application compiles your current inputs into a parameterised link copied directly to your clipboard so you can return to your simulation later.
Aggregate Trend Logging: Activating this control simultaneously logs a snapshot of the simulation parameters directly to our application database. This allows us to analyse broad usage trends across the platform (for example, identifying which tax thresholds or bridging timelines are most commonly simulated).
3. Strict Anonymisation and Data-Scrubbing Controls
To ensure absolute privacy when a simulation snapshot is saved to our database via a link generation request, we enforce strict data-scrubbing protocols:
No Network Metadata: We completely strip out all identifying network metadata. We do not collect or store your IP address, location metrics, or unique device identifiers. The database entries are entirely unlinked from your physical or digital identity.
Value Rounding: All inputted numerical data is automatically rounded to the nearest £100 on your device before it hits our server. This ensures the data saved is purely a generalised mathematical scenario, making it structurally impossible to reconstruct exact private financial profiles.
4. Web Analytics
To monitor overall site health, traffic volume, and long-tail search visibility, we use standard web analytics (Google Analytics 4). This software tracks aggregate visitor movements (such as page views and button interactions) but does not record individual financial entries, names, or personal identifiers.
5. Cookies and Local Storage
We use basic, necessary cookies and local browser storage purely to maintain the functional state of the interactive tools and to manage standard traffic analytics. You can completely block or clear these cookies at any time via your browser settings without breaking the underlying mathematical functionality of the calculators.
6. Regulatory & Financial Guidance Disclaimer
In alignment with Financial Conduct Authority (FCA) compliance guidelines for unregulated, interactive toolsets:
Purely Illustrative Models: This website provides illustrative mathematical simulations only. The tools simply execute mathematical formulas based entirely on the hypothetical data you choose to input.
Accuracy and Estimation Disclaimer: While we strive to ensure the underlying mathematical formulas are structurally sound, all outputs are estimations only and we do not guarantee 100% accuracy. These simulations may contain calculation errors, omissions, or assumptions that do not perfectly reflect actual outcomes. Do not rely on these numbers for precise financial tracking or auditing.
No Advice or Recommendations: The outputs generated by these tools do not constitute financial advice, formal recommendations, or endorsements of any financial strategy.
No Circumstance Review: Because your data is processed anonymously, this platform does not, and cannot, assess your personal or wider financial circumstances. For specific financial planning or advice, always consult an independent, FCA-regulated financial professional.
7. Contact Information
If you have any questions regarding this privacy framework, our data-scrubbing parameters, or the technical infrastructure of our simulators, contact us.