Effective 11 November 2026

DrawTarget — Privacy Policy & Terms of Use

DrawTarget is a UK pension drawdown calculator. This page covers what happens to your data (nothing) and the terms under which you use the app.

Data collected

None

Data sent anywhere

None

Analytics / tracking

None

Account required

Privacy Policy

DrawTarget does not collect, store, or transmit any personal data. Everything you type into the app — your income target, pot values, State Pension override — stays on your device, inside the app's own storage (and in your own device backups, see below). Nothing is sent to us, to Apple's analytics, or to any third party. The app has no servers of its own. The only network connection it makes is through Apple's own App Store system, to show the price of DrawTarget Pro and to process a purchase or restore if you choose to; that is handled by Apple under Apple's privacy policy, and none of your calculation inputs are part of it.

Specifically:

No account or sign-in. The app has no login, so we never see a name, email address, or identity.
No analytics or crash reporting SDKs. We don't know how many people use the app, what they enter, or when it crashes, beyond whatever aggregated, anonymous data Apple itself provides to all developers through App Store Connect.
No advertising. There are no ads and no ad-tracking identifiers.
A few small settings are saved on your device using standard iOS storage (UserDefaults): a custom State Pension amount, if you choose to enter one; whether you pay income tax in Scotland or elsewhere in the UK; a record that you have read the “Before you start” screen; and, to decide when to show Apple's standard “rate this app” prompt, how many calculations you have run, the date you first used the app and the app version you were last asked on. The app never sends any of this anywhere, and all of it is deleted if you delete the app. The income and pot values you type into a calculation are not saved, unless you choose to save a scenario (a DrawTarget Pro feature).
Saved scenarios, if you choose to save any, are kept in a file inside the app on your device. iOS encrypts the file while your device is locked; the app never sends it anywhere, and it is deleted if you delete the app or swipe to delete the scenario.
Device backups. Like any app's data, these settings and saved scenarios are included in your device's own iCloud or computer backup, if you use one, so they can come back when you restore that backup. That backup is made by iOS under your own Apple Account and is handled by Apple, not by us.
PDF exports you choose to share are generated entirely on your device and only go wherever you personally choose to send them (e.g. Mail, Files, AirDrop) via Apple's standard share sheet. The app's own copy is kept in its temporary folder, encrypted while your device is locked, and deleted the next time the app opens.
If you email us (for example from Settings → Contact Support), we receive your email address and whatever you write. We use them only to reply to you; they stay in our email account (Gmail) and are not shared with anyone or added to any mailing list. You can ask us to delete your messages at any time.

Because the app collects nothing, the usual data-subject rights under UK GDPR (access, correction, deletion, portability) only have something to act on if you have emailed us — apart from that, there is no record of you anywhere for us to show, correct, or delete. If you have any question about this, contact us using the details below.

If a future version of this app ever changed this — for example, to add optional cloud backup — this policy would be updated first, with a clear description of exactly what changed and why, and the change would need your explicit action to opt in.

Terms of Use

By downloading, installing, or using DrawTarget, you agree to these Terms of Use. If you don't agree to them, please don't use the app.

This app is not financial advice. DrawTarget performs illustrative calculations based on the numbers you enter. It never makes a personal recommendation about what you should do with your pension. Under the UK Financial Conduct Authority's advice/guidance boundary, a personal recommendation is "advice" (a regulated activity); showing you a calculation or scenario based on your own inputs is "guidance," which this app stays on the guidance side of. The developer of DrawTarget is not authorised or regulated by the Financial Conduct Authority, and nothing in the app is a financial promotion or a recommendation to take out, transfer, or withdraw from any pension product. For a decision about your own retirement, use Pension Wise from MoneyHelper (free, impartial and government-backed, for people aged 50 or over with a defined contribution pension) or an FCA-regulated financial adviser. DrawTarget is an independent app: it is not provided by, or connected to, Pension Wise, MoneyHelper, HMRC, the DWP or any part of the UK government.

A calculator only - what it leaves out. Results are estimates that depend entirely on what you enter and on simplifying assumptions, which are listed in full inside the app (Settings → Assumptions & limitations) and printed on every PDF. In particular, the app assumes your only income is the State Pension and your pension withdrawals; it covers defined contribution pensions only; it assumes no charges, and no investment growth or inflation unless you choose one of the illustration growth rates; and it does not consider inheritance tax, National Insurance or means-tested benefits. Choose Scotland in Settings if you pay Scottish income tax. You are responsible for checking whether these assumptions fit your circumstances before relying on any figure, and for deciding whether to take guidance or advice.

Tax year and figures. Calculations use 2026/27 UK tax year figures, with England, Wales and Northern Ireland income tax bands or, if you choose Scotland in Settings, Scottish bands. Figures such as the Personal Allowance, tax thresholds, the Lump Sum Allowance, and the full State Pension amount are set by government policy and change - most reliably every April, sometimes mid-year. We aim to keep these current but do not guarantee they reflect the very latest announcement at every moment; always cross-check anything significant against gov.uk or an adviser before acting on it.

No warranty, no liability. The app is provided "as is," without warranty of any kind. We do our best to make the maths correct - it is tested against a validated reference implementation - but we do not guarantee the app is error-free, and to the extent the law allows, we are not liable for any financial decision you make, or loss you suffer, based on its results - because the app is an illustration tool and not advice, any decision remains yours. Nothing in these terms limits liability that cannot legally be limited, and this does not affect any statutory rights you have under UK consumer law that cannot be excluded by agreement, including your rights under the Consumer Rights Act 2015.

Purchases and your right to cancel. If you buy DrawTarget or an in-app feature through the App Store, your purchase contract is with Apple, who acts as the retailer (merchant of record) and handles payment, VAT, and refunds under their own terms. Under UK consumer law, you normally have a 14-day right to cancel a digital purchase for any reason - but that right ends as soon as you consent to instant access and acknowledge you're giving up the cancellation period, which is exactly what happens when the App Store delivers a paid download immediately. After that point, your statutory right under the Consumer Rights Act 2015 is that the digital content must be of satisfactory quality, fit for purpose, and as described - if it isn't, you're entitled to a repair, replacement, or refund. Request this via reportaproblem.apple.com.

Changes. We may update these terms or the privacy policy as the app changes. The effective date at the top of this page will always reflect the latest version.

Governing law. These terms are governed by the law of England and Wales.

Contact

Questions about privacy or these terms: destek@gozdev.app