Plain-English summary of what we do, and mostly don't do, with your data. Last updated 17 June 2026.
The short version: our calculators run entirely in your browser. The pay, service length and other figures you type are never sent to us and are never stored on our servers. Analytics is optional, switched off until you agree, and you can use the whole site without ever accepting a single non-essential cookie.
This privacy policy explains how this website handles information when you read our guides and use our Armed Forces Pension Scheme (AFPS) calculators. We are an independent education site for serving personnel and veterans. We are not affiliated with the Ministry of Defence, Veterans UK or JPAC, and we give estimates rather than regulated financial advice. Official forecasts come from Veterans UK, using form 12 if you are still serving or form 14 if you have a preserved pension.
For data protection purposes we are the data controller for the very limited information described below. The law that applies is the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018, overseen by the Information Commissioner's Office (ICO). We have written this policy in plain English on purpose. If anything here is unclear, please ask and we will explain it, because a privacy policy nobody can read is not really protecting anyone.
When you use any calculator on this site, the maths happens locally in your browser using JavaScript. The numbers you enter, your pensionable pay, years of service, scheme, age and so on, are not transmitted to us, not saved to a database, and not shared with anyone. Close or refresh the page and that information is gone. We never ask for your name, service number, National Insurance number or any other identifying detail to give you an estimate, because we do not need it and we do not want the responsibility of holding it.
This matters more than usual for our subject. The figures you might type into an AFPS 75, AFPS 05 or AFPS 15 estimate, your salary, your length of service, whether you are claiming Early Departure Payments, can be sensitive. Because none of it leaves your device, there is no copy on our side to lose, leak, subpoena or sell. The calculator is, in effect, a private worksheet that happens to live on a web page.
Suppose you are an other ranks AFPS 15 member and you enter pensionable pay of 38,000 pounds to see roughly what one year banks. The calculator works out 1/47th of 38,000, which is about 808 pounds added to your pension pot for that year, then revalues it for inflation. All of that arithmetic runs inside your browser tab. This is an illustrative example only. On our side, the most we might ever record is the anonymous fact that the AFPS 15 calculator page was loaded, and even that only if you have agreed to analytics. We never see the 38,000 pounds, the 808 pounds, or that the visitor was you.
Running any website involves handling a small amount of technical data, so we want to be honest about it rather than pretend nothing happens at all. The limited categories below are all we deal with.
We do not collect special category data, we do not run advertising trackers, we do not build profiles for marketing, and we do not sell or rent any information to anyone. There is no registration, no account and no login on this site.
A cookie is a small file a website can store in your browser. We keep our use of cookies and similar storage to the minimum. We split them into two honest groups.
A tiny amount of storage is needed for the site itself to work and to remember your own privacy choice. For example, when you accept or decline analytics, we save that decision so we do not keep asking you on every page. This kind of storage is exempt from consent under the rules because without it the site cannot do what you have asked, and it never tracks you across other websites.
Analytics is switched off by default. Nothing that counts as a non-essential cookie or analytics event is set until you click to accept. If you decline, or simply ignore the banner, the analytics scripts are not loaded and no analytics data is collected. If you change your mind later, you can withdraw consent just as easily as you gave it, and from that point we stop collecting. You can also clear or block cookies in your browser at any time. None of this breaks the calculators, which work exactly the same whether you accept or decline.
We try to keep the number of outside services to a minimum, because every extra third party is another place data could go. The ones we may use fall into a few clear categories.
Where any provider processes data on our behalf, they act as a processor under our instructions and are bound to keep it secure. We do not use these providers to advertise to you or to track you around the web.
Our default position is to hold as little as possible for as short a time as possible.
When you email us, we keep your message and email address only for as long as we need to deal with your enquiry. We do not add you to a marketing list, and we do not pass your details to anyone else to sell you products. Please remember that we provide general estimates and education, not regulated financial advice, so there is no need to send us sensitive personal or financial records. See the contact page for how to reach us.
Because we do not collect personal data through the calculators, there is usually nothing for us to look up, correct or delete about your use of the tools. Where we do hold something, for example an email you have sent us, you have the rights set out in UK GDPR, and we will not charge you for exercising them in normal circumstances.
To use any of these rights, just contact us and describe what you would like. If you are unhappy with how we have handled your data, you can complain to the Information Commissioner's Office (ICO), the UK regulator, though we would always prefer the chance to put things right first.
This site is aimed at adults who serve or have served, and at people researching Armed Forces pensions. It is not directed at children, and we do not knowingly collect data from them. On security, the site is served over an encrypted connection, and because the sensitive calculator inputs never leave your browser there is no central store of them for anyone to attack. No method of transmission over the internet is ever completely secure, but keeping the data on your device removes the biggest risk by design.
No. The calculators run in your browser, the figures are never sent to us, and they are gone when you close or refresh the page. There is no copy on our servers.
No. Analytics is optional and gated behind your consent. Decline or ignore the banner and every calculator still works exactly the same.
Yes. You can withdraw consent at any time, and you can clear or block cookies in your browser. From the moment you withdraw, we stop collecting analytics.
We do not sell or rent data, and we do not run advertising trackers. If that ever changed, we would update this page first and, where required, ask for your consent before anything new was switched on.
No. We are an independent education site and not affiliated with the MOD, Veterans UK or JPAC. We provide estimates, not regulated financial advice. For an official forecast, contact Veterans UK using form 12 if you are serving or form 14 if your pension is preserved.
We may update this policy as the site grows. When we do, we will change the "last updated" date above. Material changes will be explained in plain English rather than buried in legal text, so you can see at a glance what is different and why.