Welcome to Pension Starter Guide (“we”, “us”, “our”, or the “Website”).

We respect your privacy and are committed to protecting your personal data. This Privacy Policy explains what information we collect, how we use it, the legal basis for doing so, and your rights in relation to your personal information.

By using this Website, you acknowledge that you have read and understood this Privacy Policy.

1. Who We Are

www.pensionstarterguide.com

Data Controller:
Pension Starter Guide
Email: info@pensionstarterguide.com

If you have any privacy-related questions, requests, or complaints, please contact us using the details above.

2. Scope of This Policy

This Privacy Policy applies to all visitors, readers, subscribers, and users of the Website.

The Website provides educational information, guides, and content relating to pensions, retirement planning, and related financial topics. It is intended for informational purposes only and does not itself constitute regulated financial advice unless explicitly stated otherwise.

3. Information We Collect

A. Information You Voluntarily Provide

We may collect personal information you choose to submit, including:

• Name
• Email address
• Any information you submit through contact forms, newsletter sign-ups, comments, or direct communication

B. Automatically Collected Information

When you visit the Website, we may automatically collect:

• IP address
• Browser type and version
• Device type
• Operating system
• Referring website
• Pages viewed
• Time spent on pages
• Date and time of access
• General geographic location inferred from IP address

C. Cookies and Similar Technologies

We may use cookies, analytics tags, pixels, and similar technologies to improve site functionality, understand usage patterns, and support marketing where applicable.

4. How We Use Your Information

We may use your information to:

• Operate, maintain, and improve the Website
• Respond to enquiries or support requests
• Send newsletters or updates where you have opted in
• Understand how users interact with the Website
• Detect fraud, abuse, or security incidents
• Comply with legal obligations
• Protect our rights, users, and business operations

5. Legal Bases for Processing (UK GDPR / EU GDPR)

Where applicable, we process personal data on one or more of the following legal bases:

Consent

For example, when you subscribe to marketing emails or newsletters.

Legitimate Interests

For example, analytics, site improvement, fraud prevention, and responding to enquiries.

Legal Obligation

Where processing is necessary to comply with legal or regulatory requirements.

Contract

Where necessary to provide a requested service.

6. Email Marketing and Newsletters

If you subscribe to our newsletter or other communications:

• we will use your email address to send relevant content, updates, or promotional information;
• you may unsubscribe at any time by clicking the unsubscribe link in any email or by contacting us directly.

We do not send unsolicited marketing emails.

7. Cookies

We may use cookies for:

• essential website functionality;
• analytics and performance measurement;
• remembering user preferences;
• advertising and remarketing where applicable.

Where legally required, we will request your consent before placing non-essential cookies.

You can manage cookie preferences through your browser settings.

8. Analytics and Third-Party Services

We may use trusted third-party providers such as analytics, email delivery, hosting, spam prevention, or embedded content services.

These providers may process limited personal information on our behalf.

Examples may include:

• analytics providers;
• website hosting providers;
• email newsletter services;
• content delivery networks;
• advertising partners.

These third parties may process data in accordance with their own privacy policies.

9. Sharing of Information

We do not sell your personal data.

We may share information only where necessary:

• with service providers acting on our behalf;
• where required by law;
• to enforce legal rights;
• to investigate fraud, abuse, or security concerns;
• in connection with a merger, acquisition, restructuring, or business transfer.

10. International Data Transfers

Your information may be processed outside your country of residence.

Where personal data is transferred internationally, we take reasonable steps to ensure appropriate safeguards are in place, including contractual protections where required by applicable law.

11. Data Retention

We keep personal information only for as long as reasonably necessary to:

• fulfil the purposes described in this policy;
• comply with legal obligations;
• resolve disputes;
• enforce agreements.

Retention periods may vary depending on the type of information and the purpose for which it was collected.

12. Data Security

We implement reasonable technical and organisational safeguards designed to protect your information from:

• unauthorised access;
• disclosure;
• misuse;
• alteration;
• loss.

However, no method of internet transmission or storage is completely secure, and we cannot guarantee absolute security.

13. Your Privacy Rights

Depending on where you live, you may have the right to:

• access your personal data;
• correct inaccurate information;
• request deletion of your data;
• restrict or object to certain processing;
• withdraw consent at any time;
• request portability of your data;
• lodge a complaint with a relevant supervisory authority.

To exercise any of these rights, contact us at:

info@pensionstarterguide.com

We may need to verify your identity before fulfilling requests.

14. UK and European Users

If you are located in the United Kingdom or European Economic Area, your rights may arise under the UK GDPR, EU GDPR, and related data protection laws.

You may also have the right to complain to your local data protection regulator.

For UK users, this is the Information Commissioner’s Office.

15. California and Other U.S. State Privacy Rights

Residents of certain U.S. states may have additional privacy rights relating to access, deletion, correction, and opt-out rights.

We do not knowingly sell personal information.

Where applicable, you may contact us to exercise any relevant state privacy rights.

16. Children’s Privacy

This Website is not intended for children under 13 years of age.

We do not knowingly collect personal data from children. If you believe a child has provided us with personal information, please contact us and we will take appropriate steps to remove it.

17. External Links

The Website may contain links to third-party websites, tools, or resources.

We are not responsible for the privacy practices, policies, or content of external websites.

You should review the privacy policy of any third-party website you visit.

18. Changes to This Privacy Policy

We may update this Privacy Policy from time to time.

When we do, we will revise the “Last updated” date at the top of this page.

Material changes may also be communicated through the Website where appropriate.

19. Contact Us

If you have any questions about this Privacy Policy or your personal data, contact:

Pension Starter Guide
info@pensionstarterguide.com