Privacy Policy

Lucent Financial Planning Ltd is authorised and regulated by the Financial Conduct Authority. This Privacy Notice explains how we use any personal information we collect about you.

Before you supply any personal details to us via the contact us page on this website please read our customer privacy notice below. This notice sets out how we will process your personal data in line with the General Data Protection Regulations. Once you have read the customer privacy notice, please tick the box on our contact form to confirm that you have read it and that you agree to Lucent Financial Planning processing your personal information for the purpose of contacting you. We will not use the details you provide us in the contact page to market to you.

What information do we collect about you?

We collect information about you when you engage us for investment/pension/mortgage and protection advice. This information will relate to your personal and financial circumstances. It may also include special categories of personal data such as data about your health, if this is necessary for the provision of our services.

We may also collect information when you voluntarily complete client surveys or provide feedback to us.

Information about connected individuals

We may need to gather personal information about your close family members and dependants in order to provide our service to you effectively. In such cases it will be your responsibility to ensure you have the consent of the people concerned to pass their information on to us. We'll provide a copy of this Privacy Notice for them or, where appropriate, ask you to pass the privacy information to them.

Why do we need to collect and use your personal data?

The primary legal basis we intend to use for the processing of your data is for the performance of our contract with you. The information we collect about you is essential for us to be able to carry out the services you require from us effectively. Without collecting your personal data we'd also be unable to fulfil our legal and regulatory obligations.

Where special category data is required we'll obtain your explicit consent in order to collect and process this information.

How will we use the information about you?

We collect information about you in order to provide you with the services for which you engage us.

Who might we share your information with?

If you agree, we may email you about other products or services we think may be of interest to you.

We won't share your information for marketing purposes with other companies.

In order to deliver our services to you effectively, we may send your details to third parties such as those we engage for professional compliance, accountancy or legal services, as well as product and platform providers we use to arrange financial products for you.

Where third parties are involved in processing your data we'll have a contract in place with them to ensure the nature and purpose of the processing is clear, that they are subject to a duty of confidence in processing your data and that they'll only act in accordance with our written instructions.

Where it's necessary for your personal data to be forwarded to a third party we'll use appropriate security measures to protect your personal data in transit.

To fulfil our obligations in respect of prevention of money-laundering and other financial crime, we may send your details to third party agencies for identity verification purposes.

Purposes for which we will use your personal data
Purpose/Activity Type of data Lawful basis for processing
To make suggestions and recommendations to you about goods or services that may be of interest to you Identity, Contact, Technical, Usage, Profile Necessary for our legitimate interests (to develop our products/services and grow our business)
To use data analytics to improve our Website, products/services, marketing, customer relationships and experiences Technical, Usage Necessary for our legitimate interests (to define types of customers for our products and services, to keep our website updated and relevant, to develop our business and to inform our marketing strategy)
To deliver relevant Website content to you and measure or understand the effectiveness of the content we serve to you Identity, Contact, Profile, Usage, Marketing and Communications, Technical Necessary for our legitimate interests (to study how customers use our products/services, to develop them, to grow our business and to inform our marketing strategy)
To administer and protect our business and the Website (including troubleshooting, data analysis, testing, system maintenance, support, reporting and hosting of data) Identity, Contact, Technical (a) Necessary for our legitimate interests (for running our business, provision of administration and IT services, network security, to prevent fraud and in the context of a business reorganisation or group restructuring exercise). (b) Necessary to comply with a legal obligation
To enable you to complete a survey Identity, Contact, Profile, Usage, Marketing and Communications (a) Performance of a contract with you (b) Necessary for our legitimate interests (to study how customers use our products/services, to develop them and grow our business)
To manage our relationship with you which will include: (a) Notifying you about changes to our terms or privacy policy (b) Asking you to leave a review or take a survey Identity, Contact, Profile, Marketing and Communications Consent
To discharge our duties as your adviser All information necessary to act as your financial adviser, including, but not limited to: Identity, Contact, Profile, Financial, Employment Performance of contract
To manage our relationship with you which will include: (a) Notifying you about changes to our terms or privacy policy (b) Asking you to leave a review or take a survey Identity, Contact, Profile, Marketing and Communications (a) Performance of a contract with you. (b) Necessary to comply with a legal obligation. (c) Necessary for our legitimate interests (to keep our records updated and to study how customers use our products/services).
How long do we keep hold of your information?

During the course of our relationship with you we'll retain personal data which is necessary to provide services to you. We'll take all reasonable steps to keep your personal data up-to-date throughout our relationship.

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Cookies

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For further information visit http://www.allaboutcookies.org/

How to contact us

If you have any questions about our Privacy policy or information we hold about you, or to raise a complaint, please contact us in writing:

- via email at info@lucentfinancialplanning.co.uk

- or write to us at Lucent Financial Planning Ltd, 1b The Exchange, 20a Poplar Rd, Solihull, B91 3AB.