Privacy Policy

Affordit is a product of ElenIQ Ltd. This website is operated by ElenIQ Ltd.

For the purposes of UK data protection law, ElenIQ Ltd is the data controller for personal data processed through Affordit.

Contact: support@eleniq.com

Affordit helps users estimate whether a goal such as a car, wedding, holiday, house deposit, rent, childcare, loan or monthly payment feels realistic.

The app may calculate:

• estimated affordability
• monthly contribution needed
• planned contribution
• timeline to goal
• affordability score
• saved route summaries
• finance or monthly payment estimates where the user enters finance details

These outputs are for guidance only.

You may choose to enter information such as:

• purchase goal
• goal cost
• current savings
• planned monthly contribution
• salary or income estimate
• rent or mortgage amount
• monthly living costs
• emergency buffer
• one-off boosts
• selected currency
• finance amount, deposit, term, fees and interest rate where relevant
• saved affordability routes
• route comparison information
• year of birth, household status and number of dependants where you use My Reality
• essential monthly costs, emergency savings and pension contributions where you use My Reality
• plans you choose to include in My Reality and changes you add to its private timeline

This information is used to calculate and display your affordability route.

You should not enter highly sensitive information such as bank account numbers, card numbers, passport details, national insurance numbers or credit report information.

If you create an account or sign in, authentication may be handled by trusted authentication providers such as Clerk.

Depending on how you sign in, we or our authentication providers may process:

• name
• email address
• login method
• authentication session data

If Google sign-in is enabled, Google may provide basic profile information such as your name and email address so that your account can be created or accessed.

Affordit may allow users to save routes so they can view or compare them later.

Saved routes may be stored:

• locally in your browser or device using local storage
• in a backend database where account syncing is enabled

If account syncing is enabled, saved routes may be linked to your account so they can be accessed across devices.

My Reality is an optional, private account feature that connects only the saved plans you deliberately include. Plans remain excluded by default, and removing a plan from My Reality does not delete it from My Plans.

My Reality may process:

• your confirmed financial profile, including year of birth rather than an exact birth date
• the saved plans and plan states you choose to include
• effective-dated salary, household, cost, repayment, pension and goal changes you enter
• saved or applied scenario settings that do not overwrite source plans
• meaningful history such as profile reviews, plan inclusion and status changes

My Reality is based only on the information and plans you choose to include. It is an estimate for planning purposes and is not financial advice. My Reality cannot be exposed through Affordit's public shared-plan links.

You can export your My Reality information and delete the feature's profile, memberships, events, scenarios and history without deleting your underlying saved plans.

Affordit does not ask for or require:

• bank connection data
• full bank account details
• credit card numbers
• credit reports
• national insurance numbers
• passport details
• formal credit application information

Affordit does not perform a credit check.

We use the information you provide to:

• calculate affordability routes
• estimate monthly contributions
• estimate timelines
• display route summaries
• save and compare routes
• create a connected monthly picture from plans you explicitly include
• provide deterministic, explainable cross-plan guidance and scenario previews
• manage user accounts
• improve the product experience
• maintain app security and reliability
• respond to support enquiries

We do not sell personal information.

Where UK GDPR or EU GDPR applies, we rely on the following lawful bases:

• Contractual necessity: to provide the app, account functionality and saved route features.
• Legitimate interests: to operate, secure, maintain and improve Affordit.
• Consent: where required for optional cookies, marketing or optional features.
• Legal obligation: where we are required to keep records or comply with applicable law.

Affordit may use trusted third-party providers to operate the app, including:

• Clerk for authentication and account management
• Supabase for database and storage functionality
• Vercel for hosting and deployment
• Google for Google sign-in where enabled
• analytics, monitoring or logging tools for app performance and reliability

These providers may process information in line with their own privacy policies and contractual obligations.

Affordit may use cookies, local storage or similar technologies to:

• keep users signed in
• remember saved routes
• remember preferences such as currency
• support app functionality
• improve reliability and performance

You can clear cookies or local storage through your browser settings. Doing so may remove locally saved routes or preferences.

We take reasonable steps to protect information processed through Affordit, including the use of secure hosting, encrypted connections and access controls.

However, no online service can guarantee complete security. Users should avoid entering highly sensitive identity, banking or credit information into Affordit.

Locally saved routes remain on your device until you delete them or clear browser/app storage.

Account-based data may be retained while your account remains active, unless you request deletion.

My Reality information remains associated with your account until you delete it through the feature or request account deletion. Deleting My Reality removes its profile, memberships, timeline events, scenarios and history while leaving saved plans intact.

Operational logs may be retained for a limited period to support security, debugging and reliability.

Depending on where you live, you may have rights over your personal data, including the right to:

• access your personal data
• correct inaccurate data
• request deletion
• restrict or object to processing
• request data portability
• withdraw consent where processing is based on consent
• complain to a data protection authority

To exercise these rights, contact: support@eleniq.com

If you are in the UK, you also have the right to complain to the Information Commissioner's Office.

You may request deletion of your account or saved data by contacting: support@eleniq.com

Please include the email address linked to your Affordit account so we can identify the relevant account.

Affordit is not designed for children and is not intended for users under 18.

Affordit may contain links to third-party websites or services. We are not responsible for the privacy practices of those third parties.

We may update this Privacy Policy from time to time. The latest version will always be available on this page.

Data Controller: ElenIQ Ltd

Registered address: Swan Building, 20 Swan Street, Manchester, England, M4 5JW

Email: support@eleniq.com

For privacy, legal or data protection enquiries, contact: support@eleniq.com