Privacy Policy
Effective Date: February 1, 2025
Last Updated: March 26, 2026
1. Introduction
At Piggy.lu, we respect your privacy and are committed to protecting any personal information you provide. This Privacy Policy explains how we collect, use, and safeguard your data when you visit our website and use our financial calculators.
2. Information We Collect
We do not collect, store, or share any personal financial data entered into our calculators. However, we may collect:a) Automatically Collected Data
- Page URLs visited and referrer information (via PostHog analytics).
- Browser type, device type, and approximate country (via PostHog analytics).
- No user identifiers, cookies, or local storage are used — each page view is fully anonymous.
b) Voluntary Information
- Your Name (if provided).
- Your Email Address (to respond to inquiries).
- Message Content (any information you share with us).
- Anonymous calculator feedback (thumbs up/down rating and optional comment). No personal identifier is attached to this data.
3. How We Use Your Information
- Improve website functionality and user experience.
- Analyze website traffic and visitor behavior.
- Respond to user inquiries.
- Improve individual calculators based on anonymous user feedback.
4. Analytics & Third-Party Services
Piggy.lu uses PostHog in fully cookieless mode for privacy-friendly analytics. No cookies, no localStorage, and no user identifiers of any kind are stored. Every page view is completely anonymous and cannot be linked to any individual. No consent banner is required. PostHog is operated by PostHog Inc. and data is stored on EU servers (Frankfurt, Germany). For more information, see <a>PostHog's Privacy Policy</a>. We do not use Google Analytics or any advertising trackers.5. Legal Basis for Processing
- Analytics data — processed on the basis of our legitimate interest (Art. 6(1)(f) GDPR) in understanding how our free tools are used, so we can improve them. No cookies are used and no personal financial data is processed.
- Security and site performance — processed on the basis of our legitimate interest (Art. 6(1)(f) GDPR) in maintaining a safe and functional website.
- Contact form enquiries — processed on the basis of your consent or to take steps at your request (Art. 6(1)(a)/(b) GDPR).
6. International Data Transfers
Analytics data is processed by PostHog Inc. and stored exclusively on servers located in Frankfurt, Germany (EU). No data is transferred outside the European Union. PostHog processes data under a Data Processing Agreement (DPA) in compliance with GDPR.7. Data Retention
PostHog analytics data is retained for 1 year, after which it is automatically deleted. Contact form data is kept only as long as necessary to respond to your enquiry. We do not store any financial data entered into our calculators.8. Data Protection & Security
- Secure HTTPS encryption
- No storage of financial inputs
- Regular security updates
9. Your Rights (GDPR)
As an EU resident you have the right to:
- Access, update, or delete your personal data.
- Data portability — receive your data in a structured, machine-readable format.
- Object to or restrict the processing of your personal data.
- Withdraw consent at any time for processing based on consent (e.g. contact form), without affecting prior processing.
- If you have concerns about how your data is handled, you may contact the CNPD (Commission Nationale pour la Protection des Données), Luxembourg’s data protection authority, at cnpd.public.lu.
10. Third-Party Links
Piggy.lu may contain links to external websites. We are not responsible for their privacy policies, so we encourage users to review them before sharing any personal data.11. Updates to This Privacy Policy
We may update this Privacy Policy from time to time. Any changes will be posted on this page with the updated date.12. Contact Us
For any questions regarding this Privacy Policy, contact us at:
Website: https://piggy.lu/contact-us