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Last updated: 2 November 2026. This policy explains what data Pennywise Finance collects when you visit, why, and what your rights are under UK GDPR and the Data Protection Act 2018.
Pennywise Finance is published by POW XD Ltd, a company registered in the United Kingdom. For the purposes of UK GDPR and the Data Protection Act 2018, POW XD Ltd is the data controller for any personal data collected through the site. You can reach the data controller by emailing seo@powxd.co.uk (see also the contact page); we'll respond to data-rights requests within one calendar month.
Our service address for written correspondence about data matters is available on request by emailing seo@powxd.co.uk.
The figures you enter into a calculator are processed only in your browser, on your device. They are not transmitted to any server controlled by us, and we do not save them. Refreshing the page clears them.
We use Google Analytics 4 to understand which pages are popular, what country visitors come from in broad terms, and whether the site is performing well technically. The data we see is aggregated. We do not see anything that personally identifies you. Google may collect a truncated IP address, browser type, device type, and referring page on our behalf; details are governed by Google's own privacy policy.
We use Google AdSense to fund the site. The AdSense script loads on every page so that Google can show its consent message and, where ad units are enabled, serve ads. For visitors in the UK and EEA, consent for advertising cookies is collected by Google's consent management platform (Google's "Privacy & messaging" consent message), which is separate from our own cookie banner. Whether ads are personalised depends on the choice you make there; you can change it through the link Google's message provides. Even where ads are not personalised, Google may use some data (such as your approximate location and the page you are viewing) to serve and measure ads and to prevent fraud. You can also opt out of personalised advertising via your Google Ad Settings or the Your Online Choices page.
Third-party vendors, including Google, use cookies to serve ads based on your previous visits to this website or to other websites. Google's use of advertising cookies enables it and its partners to serve ads to you based on your visits to this site and/or other sites on the internet. You can opt out of personalised advertising in Google's Ads Settings, and opt out of some other vendors' use of cookies for personalised advertising at aboutads.info. For more detail, see how Google uses information from sites or apps that use its services and how Google uses cookies in advertising.
Some links on this site are affiliate links through the Awin network. If you accept cookies, we also load Awin's publisher tag (a script from dwin2.com). It can turn ordinary links to Awin retailers into tracked links, and Awin and its partners may use cookies and similar technologies to record that a visit came from us. We don't load it if you reject cookies or haven't chosen yet. Affiliate links still work either way. When you click one, Awin and the retailer may set their own cookies under their own policies. See Awin's privacy policy.
There is no contact form on this site. If you email us at seo@powxd.co.uk, we'll see your email address and the message you send. We use that information only to reply and keep a small record of past conversations. We don't add you to any marketing list.
The cookies set by this site fall into three groups:
pw_cookie_choice) remembers your choice from the cookie banner so we don't show it on every page. No personal data._ga, _gid) anonymously count and group visitors. You can disable these by rejecting analytics in the banner.aw or _aw) to attribute affiliate visits. This tag only loads if you accept cookies in our banner.You can change or withdraw your choice at any time with "Cookie settings" in the footer of every page. If you withdraw consent, we stop loading these tags and delete the analytics and Awin cookies set on this domain. We can't delete cookies that other companies set on their own domains (for example awin1.com or a retailer's site), but you can clear those in your browser settings.
Where we process limited personal data, our lawful bases are consent (for analytics cookies and the Awin tag, given via our cookie banner; for advertising cookies, given via Google's consent message) and legitimate interests (for security logs and replying to messages you send us). You can withdraw consent at any time without affecting any processing already done.
Some of our service providers (notably Google) operate in countries outside the UK and EEA. These transfers are made under the safeguards Google maintains, including Standard Contractual Clauses approved for use in the UK, and the UK Extension to the EU-US Data Privacy Framework where applicable.
Under UK GDPR you have the right to:
We may update this policy from time to time — for example, if we add a new analytics tool or change ad partners. Significant changes will be highlighted at the top of this page for 30 days.
Questions about this policy or your data? Email seo@powxd.co.uk.