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  • Pension income planning
    ———— The future of pension income planning – not just final salary schemes! Upon hearing the liberations in pension legislation – mainly the flexibility over taking pension income, the financial press were fast to announce the end to lifetime pension annuities, but surely they do still have a place in the market? Many clients are now looking to transfer their final salary plans in order to take advantage of private …

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Cookies and our website
As a caring and responsible company, your satisfaction, privacy and confidentiality are of paramount importance to us. Here we will explain how and why we use cookies on our website in order to improve our service to you, along with an explanation of how this may affect you.

What are cookies?

Cookies are small pieces of data which may be stored, as text files, on your computer, phone or tablet when accessing a website. Cookies enable service providers to help you make the most of the website and enjoy a reliable, secure and trouble-free user experience.

What do cookies actually do?

Cookies can make website usability much quicker and easier for visitors. They can enable a website to recognise your device to save you having to input the same information more than once during a visit.

Cookies can also provide a recognition tool to ensure that you do not need to repeatedly input a username and password for every page you visit within the site.

Cookies can also be used for analytical purposes, to ensure that the website has an appropriate capacity to enable fast downloads and quick page opening responses.

Sometimes a website will use cookies in order to tailor the content that you see; by recognising your user habits, websites are able to provide a more bespoke service that will help to improve your personal experience.

What cookies are NOT used for
When we use cookies on our site, we promise that they will never be used to store any sensitive or personal information. We will also never use cookies to pass on information or personal details to third parties, unless you have given your clear and express permission for us to do so.

In order to protect your individual rights, you can manage or delete the cookies that are stored on your device when you visit our website as you require.

Managing your cookies
Generally, computers and other devices that are used to access the Internet will be set up in such a way that they will automatically accept cookies. However, you can use your browser settings to disable this function if you would rather that these data files are not stored on your device.

If you disable some types of cookies, you may notice that some website functions will be more limited or that you may need to input information more regularly when using specific functions of the website.

In instances where a cookie forms and integral element of website functionality (such as adding items to shopping basket or storing a user’s personal preferences) the law does not require for consent to be obtained.

Types of cookies
There are different types of cookies which serve different functions. Cookies which are vital for performance and functionality are usually set to be automatically stored when using a website. However, the law requires that functional and targeting cookies come with the option to accept or reject them by the user.

Session cookies will usually only be stored for the duration of your current visit; we use session cookies in order to help you navigate seamlessly between different screens and pages, and to ensure that basic navigational requests can be met efficiently.

Persistent cookies may be stored for a specified time period and saved on your computer’s hard drive until the specified time has elapsed.

Cookie preferences on our website
We are working with our website developers in order to implement the necessary changes to give you the option to accept or deny consent for the usage of cookies when visiting our website.

In the mean time, if you have any questions about our website, and the use of cookies therein, please drop us a line via our contact page and we will do everything we can to help.

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