Privacy and Confidentiality
This icon highlights data minimisation, discreet handling and the user’s control over calculation and account information.
Policies, Privacy & Legal
Trust and safety begin with clear explanations. Review how MortgageGuide handles privacy, confidentiality, security, estimates, cookies, access and legal responsibilities.
Privacy & Confidentiality
Security, Safety & TrustSecurity, Safety and Trust
This icon highlights protected access, transparent estimates, clear limitations and responsible service operation.
Trust and Safety at MortgageGuide
The two trust icons in the universal header are a visible reminder that privacy, confidentiality, secure handling and honest limitations matter throughout the service. They link here so users can understand what the symbols mean, what controls are used and where important responsibilities remain with the user.
About This Service
MortgageGuide provides educational calculations and planning support. It does not provide regulated financial advice, mortgage approval, legal advice or tax advice. Results are estimates and do not constitute an offer, quotation, approval, guarantee or product recommendation.
Data Controller and Contact
The website operator acts as controller for personal information processed through this service. Before public launch the operator must publish its full legal identity, registered address and current privacy contact details.
Information We Process
We may process calculation entries, selected options, contact details you choose to provide, newsletter subscriptions, consent receipts, service requests, ratings, security events and technical information needed to protect and operate the website. Data minimisation applies throughout the journey.
Purposes and Legal Bases
Essential journey processing supports the service you request. Consent applies to optional activities. Steps requested before a service, legal obligations and legitimate interests may apply to communications, security, fraud prevention, audit records and the defence of legal claims.
Security, Encryption and Access
Personal and financial entries are encrypted before database storage. Administrative access is role restricted, sensitive actions are audited, security headers are applied and form endpoints use validation, request controls and rate limiting. No internet service can promise absolute security, so safeguards and recovery procedures are reviewed regularly.
Retention, Export and Deletion
Calculation journeys, enquiries, subscriptions, consent records, audit records and backups follow separately configured retention periods. Where applicable, a verified request may be made for access, correction, export, restriction or deletion. Information no longer required should be deleted or irreversibly anonymised, subject to lawful record-keeping requirements.
Your GDPR Rights
Subject to applicable conditions, you may request access, correction, erasure, restriction or portability, object to certain processing, or withdraw consent. You may also raise a concern with the Irish Data Protection Commission. Withdrawal does not affect processing that was lawful before withdrawal.
Accuracy and Changing Information
Rates, housing-scheme limits, tax treatment, lender policies and legal information can change. Users must confirm current figures and eligibility with the relevant lender, Revenue, scheme provider and qualified professional before relying on a decision.
Copyright and Acceptable Use
Website text, layouts, calculations, branded assets and original visual elements are protected. Unauthorised customer-data extraction, automated abuse, malicious interference, unapproved security testing and commercial copying are prohibited.
Liability and Statutory Rights
Nothing in these terms excludes rights or liabilities that cannot lawfully be excluded. The operator should obtain professional Irish legal and data-protection review before publication and after material service changes.
Detailed Policy Pages
The central policy hub is indexed. These detailed pages remain directly accessible and use noindex,follow.
Frequently Asked Questions
Can I use the calculator without creating an account?
Yes. No customer login profile is created.
Can I ask for my data to be deleted?
Where the operator can identify and verify the relevant record, GDPR requests can be handled through the published privacy contact.
Are optional analytics enabled automatically?
No. Optional analytics remain disabled unless a separate valid consent choice is introduced.