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Privacy Policy

Last updated: 6 March 2026

This Privacy Policy explains how FutureClear collects, uses, and protects your personal data when you use our retirement scenario modelling platform at futureclear.co.uk. We are committed to protecting your privacy and complying with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

1. Who Controls Your Data

FutureClear is the data controller for personal data collected through this platform. If you have any questions about how we handle your data, please contact us at info@futureclear.co.uk.

2. Data We Collect

We collect only the data necessary to provide the FutureClear service. This includes:

  • Account data — your email address and a securely hashed password.
  • Profile data — optional display name and profile details you provide (such as age and relationship status) to personalise your modelling.
  • Scenario data — the financial scenario data you enter when building retirement projections, including pension values, savings, investment balances, property values, income sources, planned life events, spending assumptions, and asset allocations. This data is entered entirely by you and is used solely to run your requested projections.
  • Usage data — basic analytics such as pages visited and features used, to help us improve the platform. This data is aggregated and not used to identify individual users.
  • Billing data — if you subscribe to a paid tier, we collect your billing email address, subscription status, and transaction history. Payment card details are collected and processed directly by our payment provider (see Section 5) and are not stored on FutureClear servers.

We do not collect sensitive personal data as defined under UK GDPR (such as health data, biometric data, or political opinions).

FutureClear is intended for users aged 18 and over. We do not knowingly collect personal data from children or anyone under 18. If we become aware that we have collected data from a person under 18, we will delete it promptly. If you believe a child has provided us with personal data, please contact us at info@futureclear.co.uk.

3. Legal Basis for Processing

We process your personal data on the following legal grounds:

  • Contract performance — processing your account data, the scenario data you enter, and your billing information is necessary to provide the FutureClear service you have signed up to use.
  • Legitimate interest — we process aggregated usage data to improve the platform and ensure its security, where these interests are not overridden by your privacy rights.
  • Legal obligation — where we are required to retain or disclose data to comply with applicable law.

4. How We Use Your Data

We use your data for the following purposes:

  • Creating and maintaining your account.
  • Running the financial projections and scenario simulations you request.
  • Storing your scenarios so you can return to them across sessions.
  • Sending you service-related communications (such as account verification or important policy updates).
  • Improving platform features using aggregated, anonymised usage analytics.
  • Processing payments and managing your subscription if you use a paid tier.
  • Maintaining the security and integrity of the platform.
  • Providing anonymised, aggregated financial data to approved third-party partners via a secure API, to support research and product development in the financial services sector. This data is fully anonymised before sharing and cannot be used to identify you (see Section 7).

FutureClear does not use your financial data to provide financial advice, make investment recommendations, or personalise marketing. All outputs are modelling results based solely on the assumptions you supply.

5. Data Sharing

We do not sell your personal data to third parties. We share data only with the service providers necessary to operate the service:

  • Vercel — hosts the FutureClear frontend application. Data is processed in the EU West region.
  • Railway — hosts the FutureClear backend API and database. Data is processed in the EU West region.
  • Stripe — processes subscription payments on our behalf. Payment card details are collected and handled directly by Stripe and are never stored on FutureClear servers.
  • Sentry — provides error monitoring to help us identify and fix technical issues. Sentry may receive technical data such as error stack traces and request metadata. No financial scenario data is sent to Sentry.
  • Anonymised data API consumers — approved third-party partners who receive fully anonymised, aggregated financial data via our API. These partners receive no personal data — all data is irreversibly anonymised before it leaves our systems (see Section 7). Partners are contractually prohibited from attempting to re-identify individuals.

Each provider is contractually bound to process your data only on our behalf and in accordance with UK GDPR requirements. Some of our service providers operate globally and may process data outside the UK or EEA. Where this occurs, we ensure appropriate safeguards are in place, such as UK International Data Transfer Agreements or equivalent measures approved by the ICO.

6. Data Retention

We retain your personal data for as long as your account is active. If you delete your account, we will delete your personal data within 30 days, except where we are required to retain it to comply with a legal obligation.

Billing and transaction records may be retained for up to six years after account closure to comply with HMRC record-keeping requirements.

Anonymised, aggregated analytics data may be retained indefinitely as it cannot be used to identify you.

Anonymised data shared via our third-party API is irreversible — once data has been anonymised and shared, it cannot be recalled or deleted because it contains no personal data and cannot be linked back to you. This is consistent with ICO guidance that UK GDPR does not apply to truly anonymised data.

7. Anonymisation Methodology

Before any data is shared via our third-party API, we apply a rigorous anonymisation process designed to meet the ICO's standards for true anonymisation. This includes:

  • Removal of direct identifiers — all personal identifiers (email addresses, names, account IDs) are stripped before any aggregation takes place.
  • Aggregation — individual scenario data is combined into statistical summaries. No individual-level records are shared.
  • K-anonymity thresholds — data groups must contain a minimum number of individuals before being included in any output, to prevent singling out.
  • Suppression — data points that could enable re-identification through combination with external datasets are suppressed or generalised.

We regularly review our anonymisation techniques against the ICO's Anonymisation, Pseudonymisation, and Privacy Enhancing Technologies guidance. A Data Protection Impact Assessment (DPIA) has been conducted for this processing activity and is reviewed annually.

8. Your Rights Under UK GDPR

As a data subject under UK GDPR, you have the following rights:

  • Right to access — you may request a copy of the personal data we hold about you.
  • Right to rectification — you may request that we correct inaccurate or incomplete data.
  • Right to erasure — you may request that we delete your personal data. Note that billing records may be retained where required by law (see Section 6).
  • Right to data portability — you may request a machine-readable copy of your data to transfer to another service.
  • Right to restriction — you may request that we restrict how we process your data in certain circumstances.
  • Right to object — you may object to processing based on legitimate interest.

To exercise any of these rights, please contact us at info@futureclear.co.uk. We will respond within one calendar month. You also have the right to lodge a complaint with the Information Commissioner's Office (ICO) if you believe your data has been mishandled.

9. Cookies

FutureClear uses the following categories of cookies:

  • Essential cookies — required to authenticate your session and maintain your logged-in state. These cannot be disabled without preventing the service from functioning.
  • Analytics cookies — used to understand how the platform is used in aggregate. You may opt out of analytics cookies in your account settings.

We do not use advertising or tracking cookies. For full details, see our Cookie Policy.

10. Changes to This Policy

We may revise this Privacy Policy from time to time. For material changes — those that significantly affect how we use your data or your rights — we will notify you by email or by displaying a prominent notice within the platform at least 14 days before the change takes effect. The effective date at the top of this page reflects when the policy was most recently revised.

11. Contact

For any questions, requests, or concerns about this Privacy Policy or how we handle your data, please contact:

FutureClear Ltd
Company No. 17078220
Lytchett House, 13 Freeland Park, Wareham Road, Poole, Dorset, BH16 6FA
Email: info@futureclear.co.uk
Website: futureclear.co.uk