This Cookie Policy explains how Pension Starter Guide (“we”, “us”, or “our”) uses cookies and similar technologies when you visit our website.

By continuing to use our website, you acknowledge that cookies may be used in accordance with this policy, subject to your consent where required by law.

1. What Are Cookies?

Cookies are small text files placed on your device when you visit a website.

They help websites function properly, improve user experience, remember preferences, and provide information about how visitors use the site.

Cookies may be:

• Session cookies – deleted when you close your browser
• Persistent cookies – remain on your device until they expire or are deleted

2. Why We Use Cookies

We may use cookies to:

• ensure the website functions properly;
• remember your preferences and settings;
• understand how visitors use our website;
• improve site performance and user experience;
• measure the effectiveness of content;
• support advertising or marketing where applicable;
• protect against fraud or misuse.

3. Types of Cookies We Use

Strictly Necessary Cookies

These cookies are essential for the operation of the website.

They may be used for:

• page navigation;
• security;
• fraud prevention;
• cookie consent preferences;
• basic website functionality.

These cookies do not require prior consent where permitted by applicable law.

Performance and Analytics Cookies

These cookies help us understand how visitors interact with the website.

They may collect information such as:

• pages visited;
• time spent on pages;
• traffic sources;
• device type;
• browser type;
• approximate geographic region.

This information is generally aggregated and used to improve site performance.

Examples may include analytics tools such as:

• Google Analytics
• website traffic monitoring services

Where required by law, these cookies are only used with your consent.

Functional Cookies

These cookies allow the website to remember choices you make, such as:

• language preferences;
• display settings;
• previously entered information.

They help provide a more personalised browsing experience.

Advertising and Marketing Cookies

If used, these cookies may:

• show relevant advertisements;
• measure advertising effectiveness;
• limit repeated display of the same advert;
• support remarketing.

These cookies may be set by us or by third-party advertising partners.

They will only be used where legally permitted and, where required, only with your consent.

4. Third-Party Cookies

Some cookies may be placed by third parties that provide services through our website.

These may include:

• analytics providers;
• advertising networks;
• video or embedded content providers;
• newsletter or email marketing providers;
• social media integrations.

We do not directly control third-party cookies. Their use is governed by the relevant third party’s own privacy and cookie policies.

5. Cookie Consent

Where required by applicable law, non-essential cookies are only placed on your device after you give consent.

When you first visit the website, you may be presented with a cookie banner or consent tool that allows you to:

• accept all cookies;
• reject non-essential cookies;
• customise cookie preferences.

You may change your preferences at any time through the cookie settings tool available on the website, where applicable.

6. Managing Cookies

Most web browsers allow you to control cookies through browser settings.

You can usually:

• view cookies stored on your device;
• block cookies;
• delete existing cookies;
• receive alerts before cookies are placed.

Please note that disabling some cookies may affect website functionality and user experience.

7. International Users

If you access the website from outside the United Kingdom, your personal information may be processed in countries with different data protection laws.

Where required, we take reasonable steps to ensure appropriate safeguards are in place for international transfers.

8. Updates to This Cookie Policy

We may update this Cookie Policy from time to time to reflect:

• changes in law;
• changes in technology;
• changes in website functionality;
• changes in our use of cookies.

When we do, we will update the “Last updated” date at the top of this page.

9. Contact Us

If you have questions about this Cookie Policy or our use of cookies, please contact:

Pension Starter Guide
info@pensionstarterguide.com