Privacy Policy
Effective date: 1 July 2025
This privacy policy explains how Over 55 Planning collects, uses, and protects personal data when you visit our website. We take your privacy seriously and are committed to handling your information lawfully, transparently and securely, in line with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.
By continuing to use this website, you agree to the terms set out below.
About Over 55 Planning
Over 55 Planning is an independent information website created for people aged 55 and over who want clear, structured content about later life finances. The site currently focuses on pensions and property, with plans to expand into additional areas over time. We aim to provide accurate, straightforward information to help users understand common financial decisions in or approaching retirement. We do not offer advice, make recommendations or promote financial products.
Information we collect
You do not need to register or submit personal details to access our content. However, we may collect some personal data in specific circumstances.
If comments are enabled, we collect the information you enter in the comment form. This may include your name and email address, along with your IP address and browser information. These details are used to help detect spam or other misuse.
We may also collect technical data automatically when you visit the site. This can include your IP address, browser type, operating system and the pages you view. We use this information to maintain security and to monitor site performance.
We do not collect sensitive personal data, and we do not use your data for profiling or marketing.
How your data is used
Personal data is only used for purposes that are necessary for the operation of the website. This includes displaying user comments, detecting spam, maintaining technical performance and ensuring security. We do not use your information for advertising or to personalise your experience.
Legal basis for processing
We process personal data only where there is a valid legal basis under the UK GDPR. This includes situations where you have submitted data voluntarily, such as through a comment form, or where we have a legitimate interest in operating the site securely and effectively. In some cases, we may also have a legal obligation to retain certain data.
Use of cookies
Cookies are small files that are placed on your device when you visit a website. We use cookies where necessary to support core site functionality and to understand how visitors use the site.
Cookies may include temporary session cookies and basic analytics tools. We do not use cookies for marketing, profiling or tracking. You can control or block cookies at any time through your browser settings. However, disabling cookies may affect how certain features work.
Embedded content from other websites
Some pages on this website may include embedded content, such as videos, maps or other resources. When you view this content, it behaves in the same way as if you were visiting the external site directly.
These third-party sites may collect information about you, use cookies or track your interaction. We do not control how third parties handle your data. You should refer to their privacy policies for further details.
How long we keep your information
If you leave a comment, both the comment and its metadata may be stored indefinitely. This allows us to manage ongoing interaction and support moderation.
Technical logs and performance data may be retained for a limited time, typically up to twelve months. We regularly review the data we hold and delete anything that is no longer needed.
Your rights
You have rights under data protection law in relation to the personal data we hold about you. These include the right to request access to your data, the right to request corrections, the right to object to certain types of processing and the right to request that we delete your personal data if we no longer need it.
If you have provided consent for any form of data collection, you also have the right to withdraw that consent at any time.
To exercise any of these rights, please contact us through the website.
Data sharing and third-party services
We do not sell or share your personal data with third parties for marketing or promotional purposes.
We may use trusted service providers to support the technical operation of the site, such as hosting and security services. These providers may process data on our behalf under strict contractual terms that ensure confidentiality and compliance with data protection law.
Data security
We take appropriate technical and organisational steps to protect personal data from unauthorised access, misuse or loss. While no system is completely immune to risks, we work hard to safeguard your information and act promptly in the event of any issue.
International data transfers
We do not knowingly transfer your personal data outside the UK or the European Economic Area. If any third-party service we use involves data processing outside these regions, we will ensure that adequate legal safeguards are in place.
Complaints and contact
If you have concerns about how your data is handled, you have the right to raise a complaint with the UK Information Commissioner’s Office (ICO). The ICO is the UK’s independent regulator for data protection.
More information on how to submit a complaint is available at https://ico.org.uk.
Updates to this policy
This privacy policy may be updated occasionally to reflect changes in the law or how the site operates. The most recent version will always be available on this page, and the effective date will show when it was last revised.