Privacy Policy

At The Budget Ledger, we respect your privacy. This policy explains what we collect and how we use it. In short: we collect as little as possible, and we never sell your data.

Information we collect

• Newsletter signups: if you subscribe, we store your email address solely to send you our newsletter.
• Comments: your name and email when you leave a comment. Your email is never published.
• Analytics: with your consent, we use Google Analytics 4 to understand which articles are helpful and where our visitors come from. It collects aggregate, non-identifying information only. No analytics cookie is set until you accept, and you can withdraw consent at any time. See our Cookie Policy for details.
• Advertising: we use Google AdSense to show ads, which keeps the site free. Google and its partners may use cookies to serve ads based on your visits here and to other sites. See the Advertising section below for how to control this.

Our calculators

Our financial calculators run in your browser. The numbers you enter are processed on your device. Some tools, like the expense tracker, store data only in your browser's local storage, it never leaves your device unless you explicitly choose to save a result.

How we use your information

We use the limited information we collect to deliver our newsletter, display approved comments, respond to your messages, and improve our content. We do not sell or rent your personal information to anyone.

Advertising

The Budget Ledger uses Google AdSense to display advertising, which is how we keep the site free to read. Third-party vendors, including Google, use cookies to serve ads based on your prior visits to this and other websites. You can opt out of personalized advertising in Google Ads Settings, and you can review how Google handles data in its partner-sites policy. In the UK and EEA, we ask for your consent before personalized-ad cookies are set. Full details are in our Cookie Policy.

Your choices

You can unsubscribe from our newsletter at any time using the link in every email. You can change or withdraw your analytics consent with the Cookie Preferences option in the footer, explained in our Cookie Policy. You can request that we delete your information by contacting us.

Contact

Questions about this policy? Reach us through our contact page.

This site provides educational content only and does not constitute financial advice.