Privacy notice
Last updated 9 November 2026
Who runs this site
I'm Thomas Hesketh, and I run Tom Talks Finance on my own. I decide what data the site uses and why.
Questions or requests: email me.
What I collect and why
- Google Analytics, only if you accept. The pages you view and the buttons you use, with general device and browser details. It shows me what's useful and what to fix. The legal basis is your consent. Detailed data is deleted after 2 months, the shortest setting Google offers.
- Exchange rates. The Retire Map asks my server for the latest rates, and my server gets them from Frankfurter. Nothing about you is passed on.
- Emails you send me. I use them only to reply, and keep them only as long as I need to.
There are no accounts or forms. There are no ad networks or tracking ads on this site. One link, to Wise, is a referral link and is labelled as an ad; I may receive a reward if you use it. The numbers you enter in the calculators stay in your browser and are never sent to me.
Cookies and your choices
The site stores a few settings in your browser so it works as you left it. These never leave your device, and stay until you clear them.
See the full list
| Name | What it does | How long |
|---|---|---|
ttf_consent | Remembers your cookie choice | Until you clear it |
ttf_theme | Light or dark mode | Until you clear it |
ttfCalculatorState, ttfSandboxState, ttf_appMode | Your calculator numbers and mode | Until you clear it |
ttf_start_path | The country you last picked on Start Investing | Until you clear it |
ttf_retire_map_currency | Your Retire Map currency | Until you clear it |
_ga, _ga_8M8SESKK2Q | Google Analytics cookies, only if you accept. They tell visits apart. | 2 years |
You can change your choice at any time. Rejecting analytics deletes the Google Analytics cookies.
Who else is involved
- Netlify hosts the site and the exchange rate service. Netlify's privacy policy
- Google runs Analytics (if you accept). Google Analytics uses your IP address to work out a rough location when the data arrives, then discards it. It does not log or store the address. Google's privacy policy
- flagcdn.com supplies the country flags, cdn.plot.ly the Retire Map's map, and cdnjs.cloudflare.com the tool that saves your report as an image.
Your browser contacts each of these directly, so each one sees your IP address.
Netlify and Google are in the US. Both take part in the EU-US Data Privacy Framework and its UK Extension, which cover transfers from the EU and UK. Google's statement
Your rights
You can ask for a copy of the data I hold about you, or ask me to correct or delete it. You can object, or withdraw consent, at any time.
Email me and I'll reply within one month. Analytics data isn't linked to your name, so I may not be able to find yours.
If you're unhappy with my reply, you can complain to the Information Commissioner's Office in the UK, or to the data protection authority where you live.