Privacy Policy

Undefeated is a financial independence calculator.

It helps you answer:

“What year can work become optional?”

The primary result shown by the product is your:

Financial Independence Year

Undefeated is a calculation tool. It is not financial advice, investment advice, tax advice, pension advice, credit advice, insurance advice, or a recommendation to make financial decisions.

Undefeated is designed to be privacy-conscious and local-first.

In simple terms:

• You do not need an account to use Undefeated.
• We do not ask you to connect a bank account.
• We do not ask you to connect an investment account.
• We do not sell your personal information.
• Your calculator inputs, saved versions, comparisons, and recent answer context are intended to stay on your device.
• If you clear your browser storage, change browser, or change device, local saved data may no longer be available.
• We use Cookiebot to manage cookie consent.
• Undefeated’s own code does not set first-party analytics cookies.
• Lovable Cloud may provide cookieless, aggregated page and visit analytics.
• We may collect limited technical information needed to run, secure, and improve the website.
• If you contact us, we will use your contact details to respond.
• If you sign up for updates, we collect the name and email address you provide so we can manage and send those updates.

For personal information that Undefeated collects and decides how to use, the controller is:

Registered office:

If this information changes, we will update this policy.

When you use Undefeated, you may enter financial assumptions such as:

• current invested assets;
• monthly spending;
• monthly savings;
• expected real return;
• portfolio target;
• projection window;
• saved versions;
• comparisons;
• recent answer context.

These inputs may be sensitive to you, but Undefeated is designed so that this information is stored locally in your browser, not sent to us as part of the normal calculator experience.

This means:

• we do not normally receive your calculator inputs;
• we do not normally receive your saved versions;
• we do not normally receive your comparisons;
• we do not normally receive your recent answer history;
• we cannot usually recover this local data for you if you delete it or change device.

Undefeated may use browser storage, such as local storage, to keep calculator information on your device.

This may include:

• your latest inputs;
• saved versions;
• version names;
• recent answer context;
• theme preference;
• product preferences needed for the interface to work.

This storage helps Undefeated feel useful when you return.

You can remove locally stored Undefeated data by clearing your browser storage for the site. Your browser settings determine how this works.

When you visit Undefeated, our hosting provider or infrastructure may process limited technical information, such as:

• IP address;
• browser type;
• device type;
• pages requested;
• date and time of request;
• security and error logs;
• approximate region derived from request information.

We use this to:

• deliver the website;
• keep the service secure;
• detect errors;
• understand reliability and performance;
• prevent abuse.

We do not use this information to provide financial advice or to make decisions about you.

Undefeated is hosted on Lovable Cloud. Lovable’s own privacy policy describes automatic collection of technical data such as IP address, browser type, operating system, device identifiers, pages visited, timestamps and error logs, and says log data is retained for up to 90 days unless required by law.

Undefeated uses Lovable Cloud analytics.

Based on our current implementation, Lovable analytics is cookieless page and visit aggregation. It may include aggregated information such as:

• visitors;
• pageviews;
• bounce;
• referrer;
• device;
• country.

Undefeated’s own code does not set first-party analytics cookies.

Lovable controls the platform analytics infrastructure and retention. Lovable’s published privacy policy should be treated as the authoritative source for Lovable’s own processing and retention practices. Lovable’s privacy policy states that it collects technical and log data for platform operation, security, analytics and improvement, and that log data is retained for up to 90 days unless required by law.

Analytics data should not include your locally stored calculator inputs, saved versions, comparisons, or recent answer context.

Undefeated does not send calculator inputs, saved versions, comparison data, or recent answer context to Lovable analytics.

Undefeated may log first-party, input-free product events such as calculator visits or whether a Financial Independence Year result was shown. Each application log entry includes the event type, page route, and time, but not URL campaign query values, salary, spending, assets, contributions, assumptions, saved calculations, or the calculated year. This does not guarantee that personal information cannot appear in URLs or infrastructure logs. Where you have given the required consent, Undefeated may also use Google Ads conversion measurement to understand whether ads led to a Financial Independence Year result view. Google Ads conversion events do not include your calculator inputs, assumptions, saved calculations, or calculated year.

Undefeated uses Cookiebot by Usercentrics to manage cookie consent.

Cookiebot may be used to:

• display a cookie banner;
• store and manage cookie consent choices;
• block non-essential cookies until consent is given;
• help present a cookie declaration.

Cookiebot provides a cookie declaration product that helps disclose cookies and trackers used by a website.

Undefeated may use cookies and similar technologies for different purposes.

Strictly necessary cookies

These are needed for the website to work properly or to remember your cookie choices. They may include cookies or similar technologies set by Cookiebot to store your consent preferences.

Strictly necessary cookies do not require consent where they are essential to provide the website or consent-management functionality.

Preference cookies

These may remember choices such as theme or interface preferences, where used.

Analytics cookies

Undefeated’s own code does not currently set first-party analytics cookies.

If analytics cookies are added in future, they will only be used where you give consent through Cookiebot.

Marketing cookies

Where you have given the required consent, Google Ads conversion measurement may use marketing cookies or similar technologies to understand whether ads led to a Financial Independence Year result view.

If other marketing cookies are added in future, this policy and the Cookiebot declaration should be updated before they are used.

You can manage your cookie choices through the Cookiebot banner or preference controls made available on the website.

Where cookie preference controls are made available on the website, you can use them to reopen or update your Cookiebot choices.

Cookie declaration link: https://www.cookiebot.com/en/cookie-declaration/

If you contact us, sign up for updates, give feedback, or request support, we may collect:

• your name;
• email address;
• signup timestamp, where you sign up for updates;
• message content;
• any information you choose to include.

We use this information to:

• respond to you;
• handle feedback;
• send Undefeated updates if you sign up for them;
• improve the product;
• manage our relationship with you.

For footer signups, Undefeated stores the name, email address, and signup timestamp you provide in a Google Sheet owned by Undefeated. Google Apps Script or the Google Sheets API may process the signup request.

Undefeated uses Resend for email or support-related communications where applicable.

Please do not send us sensitive financial information unless we specifically ask for it.

We use personal information only where we have a reason to do so.

The exact lawful basis depends on the feature and context.

Undefeated does not:

• sell your personal information;
• provide financial advice;
• connect to your bank account;
• connect to your investment account;
• run credit checks;
• use your calculator inputs for advertising;
• share your calculator scenarios with third parties;
• use your calculator result to make decisions about you;
• send your calculator inputs to Lovable analytics;
• claim that your Financial Independence Year is guaranteed.

We may share limited information with service providers that help us operate Undefeated.

These may include:

• Lovable Cloud, for website hosting, infrastructure, deployment, technical logs, and cookieless aggregated site analytics;
• Cookiebot by Usercentrics, for cookie consent management;
• Google, including Google Sheets or Google Apps Script where used, for storing and processing footer signups;
• Resend, for email or support communications where applicable;
• security and infrastructure providers;
• professional advisers where necessary.

These providers should only process information for the purposes we instruct or for their own limited legal, security, or service-operation purposes.

We may also disclose information if required by law.

Undefeated may display market or reference information using server-side requests.

Current market-data behaviour:

• The browser does not contact FT Markets or Alpha Vantage directly.
• The Cloudflare Worker may fetch four fixed FT Markets tearsheet URLs server-side:
• INX:IOM
• DJI:DJI
• FTSE:FSI
• FTSM:FSI
• The request uses a static User-Agent.
• No user identifiers, cookies, IP-forwarding data, calculator inputs, saved versions, comparisons, or recent answer context are sent to FT Markets or Alpha Vantage as part of this feature.

If a future integration sends user data to a third-party market-data provider, this policy must be updated before that feature is shipped.

Some service providers may process information outside the UK or your country.

Where required, we will use appropriate safeguards for international transfers, such as contractual protections or other mechanisms recognised by applicable law.

Lovable Cloud, Cookiebot by Usercentrics, Google, Resend, and other providers may process information in countries outside the UK depending on their service configuration.

We keep personal information only for as long as needed.

Typical retention approach:

• local calculator data: stored in your browser until you clear it or the browser removes it;
• cookie consent records: kept for as long as needed to record and manage consent preferences;
• Lovable Cloud technical logs: retained according to Lovable’s own retention practices; Lovable’s privacy policy states that log data is retained for up to 90 days unless required by law;
• aggregated Lovable analytics: retained according to Lovable’s platform settings and privacy documentation;
• support messages: kept for as long as needed to respond and maintain records;
• technical logs: kept for a limited period needed for security, debugging, and reliability;
• footer signup details: kept until you unsubscribe or ask us to delete them.

If we do not have a fixed period, we use criteria such as the purpose of the data, legal requirements, security needs, and whether the information is still useful.

We use reasonable technical and organisational measures to protect information.

However, no website or browser storage method is completely secure.

Because Undefeated stores calculator data locally, you should protect your own device and browser profile. Anyone with access to your device or browser profile may be able to see locally stored information.

Depending on where you live and the law that applies, you may have rights over your personal information.

These can include the right to:

• be informed about how your data is used;
• access personal information;
• correct inaccurate information;
• erase information;
• restrict processing;
• object to processing;
• receive information in a portable format;
• withdraw consent where processing is based on consent.

Important note:

If data is stored only in your browser and we do not receive it, we may not be able to access, correct, export, or delete it for you. You can usually manage that local data through your browser.

You can also withdraw cookie consent through the Cookiebot controls on the website.

To exercise your rights, contact:

If you are unhappy with how we handle your personal information, please contact us first so we can try to help.

You may also have the right to complain to your data protection regulator.

In the UK, this is the Information Commissioner’s Office:

ICO website: ico.org.uk

Undefeated is not designed for children.

We do not knowingly collect personal information from children.

If you believe a child has provided us with personal information, please contact us.

We may update this policy from time to time.

If changes are significant, we will take reasonable steps to make them clear.

The latest version will be available on the Undefeated website:

https://undefeated.finance

For privacy questions, contact:

Address: