Cookie Policy

1. What Are Cookies?

Cookies are small text files stored on your device when you visit a website. They allow us to remember your preferences, analyse how the site is used, and improve functionality. Cookies cannot execute programs or transmit viruses.

2. Legal Basis

Strictly necessary cookies are used on the basis of legitimate interests (UK GDPR Article 6(1)(f)). Optional cookies (analytics) are only set with your explicit consent (UK GDPR Article 6(1)(a) and the Privacy and Electronic Communications Regulations 2003). You may withdraw your consent at any time.

3. Strictly Necessary Cookies

These cookies are essential for the website to function and cannot be disabled. They are typically set in response to your actions, such as logging in or saving your privacy preferences.

• session_token: Maintains your login session. Duration: session.
• csrf_token: Protects against cross-site request forgery attacks. Duration: session.
• cookie_consent: Stores your cookie preferences. Duration: 1 year.
• ref_code: Stores your adviser's referral code for account attribution. Duration: 30 days.

4. Analytics Cookies (with consent only)

These cookies allow us to measure visits and traffic sources to improve the performance of our website. All information collected is aggregated and anonymous. They are only set if you have given your consent.

• _sc_analytics: ESG Stress Free internal analytics — records page views and usage behaviour in aggregated form. Duration: 1 year. Provider: ESG Stress Free (UK servers).

5. Marketing Cookies

We do not currently use marketing cookies or cookies from advertising networks.

6. Third-Party Cookies

We do not embed content from social networks or external advertising services that would set cookies on your device. Where we use external services (for example, for payment processing), the privacy terms of that provider apply.

7. Managing Cookies

You can adjust your cookie preferences at any time using the cookie banner on our website. You can also manage cookies directly in your browser:

• Chrome: Settings → Privacy and security → Cookies and other site data
• Firefox: Settings → Privacy & Security → Cookies and Site Data
• Safari: Settings → Privacy → Manage Website Data
• Edge: Settings → Cookies and site permissions

Please note: disabling strictly necessary cookies may affect the functionality of the website.

8. Retention

Cookies are automatically deleted when their retention period expires. Session cookies are deleted when you close your browser. Persistent cookies remain stored for the stated duration unless you delete them manually beforehand.

9. Contact

If you have questions about our use of cookies, please contact us at: [email protected]