We use cookies on our website. You’ll find a notice about this on the footer of our homepage as well, which also links back to this policy. We last updated our policy on 20 March 2025.

1. Information About Cookies.

1.1 A cookie is a small text file that is placed onto your computer (or other electronic device) when you access our website. There are 4 different types of cookies:

(a) Strictly-necessary cookies (required for the website to run). These allow you to do things like log in securely.

(b) Performance cookies (which measure how many visitors use our site, which pages they visit and how they interact with the site). These help us to improve our website.

(c) Functionality cookies (which remember specific visitor’s preferences for the way they use our site, e.g. language settings or font size).

(d) Targeting/advertising cookies (these collect information about individual visitors that enable us, or third parties, to provide relevant advertisements to those who have visited our site)

1.2 Our website may use each type of cookie in order to:

(a) Make your online experience more efficient and enjoyable;

(b) Improve our services;

(c) Recognise you whenever you visit this website and distinguish you from other users of our site;

(d) Obtain information about your preferences and use of our site;

(e) Provide you with advertising that is tailored to your interests; and

(f) Carry out research and data analysis to help us to improve our content and services and to better understand our customer preferences and interests.

1.3 Your web browser places cookies on your hard drive for record-keeping purposes and sometimes to track information about you. We have set out specific details of the cookies we use on our site in section 4 below.

2. Third-Party Cookies.

Like many other websites, third parties may also set cookies on our website. These third parties are responsible for the cookies they set on our site and we have no control over them. For further information on how their cookies policies work, please visit their websites.

3. Managing Cookies.

3.1 You can manage cookies yourself.

3.2 You can set your web browser to refuse cookies, delete cookies, or to alert you when cookies are being sent.

3.3 You will need to visit the web browser’s site to manage, but for ease we have provided links to popular browsers below:

(a) Google Chrome: https://support.google.com/accounts/answer/61416?co=GENIE.Platform%3DDesktop&hl=en

(b) Microsoft Firefox: https://support.mozilla.org/en-US/kb/enable-and-disable-cookies-website-preferences

(c) Microsoft Edge: https://support.microsoft.com/en-us/microsoft-edge/delete-cookies-in-microsoft-edge-63947406-40ac-c3b8-57b9-2a946a29ae09

(d) Microsoft Internet Explorer: https://support.microsoft.com/en-gb/help/17442/windows-internet-explorer-delete-manage-cookies

(e) Apple Safari: https://support.apple.com/en-gb/guide/safari/sfri11471/16.1/mac/13.0

3.4 For further information about cookies and how to manage or disable them please go to: www.allaboutcookies.org. Please also note that if you change or block cookies then:

(a) Some parts of our website may not function properly or as well as they otherwise might;

(b) Changes will apply across all websites that you visit (unless you choose to block cookies only from particular websites); and

(c) The settlings that you change will only apply on the device on which you change the settings and will not apply across all other devices that you use.

3.5 Additionally, you may use the following link to change your cookie preferences for this website:

4. Specific Cookie Details.

4.1 While you have a choice of which cookies are used when you browse our website, some of the cookies are strictly necessary for the functioning and security of our websites, and therefore will still be used in your browser even after you select the “Refuse All” option in our banner.

4.2 The cookies which will be used by us and their purpose are presented below:

5. Cookies Set By Third Parties.

To improve your website experience, we sometimes embed video content from websites like Vimeo. As a result, when you visit a page with content embedded, you may be presented with cookies from these websites. Lucent Financial Planning Ltd does not control these cookies. This can also happen when you use our ‘share’ buttons. More information about this can be found below. You should check the relevant third-party website for more information about their cookies when applicable.

6. Sharing Tools.

We would like to draw your attention to the fact that the website carries embedded 'share' buttons, that may redirect you to third-party websites, to enable users to easily share our articles with their contacts through several popular social networks. These sites may set a cookie when you are also logged in to their service. Lucent Financial Planning Ltd does not control these cookies and you should check the relevant third- party website for more information about these.

7. Website Performance.

7.1 Like many other websites, we collect data through the patterns of your website usage in order to improve the relevance and performance of our website and your experience using them (for example by enabling us to monitor which pages you find useful and which you do not).

7.2 We will only use the information that we hold about you to administer and monitor (including in relation to troubleshooting, data analysis, testing and security) the provision of the website to you and other users. We will never share the data that you supply to us via our websites with any third parties.

8. Changes to This Policy.

We may make changes to this Policy at any time by sending you an email with the modified Terms or by posting a copy of them on the website. Any changes will take effect 7 days after the date of our email or the date on which we post the modified Terms on the website, whichever is the earlier. Your continued use of the website after that period expires means that you agree to be bound by the modified policy.

9. Who Do I Contact if I Have Any Questions About This Policy?

If you wish to write to us, our Data Protection team can be contacted at 1b The Exchange, 20a Poplar Road, Solihull, United Kingdom, B91 3AB.

Our email address for data privacy queries is info@lucentfinanicalplanning.co.uk.

If you would prefer to speak to us by phone, please call 0121 705 1000.