COOKIE POLICY

Last updated July 10, 2024



This Cookie Policy explains how Need Financial Planning Ltd ("Company," "we," "us," and "our") uses cookies and similar technologies to recognize you when you visit our website at  https://www.needfp.co.uk ("Website"). It explains what these technologies are and why we use them, as well as your rights to control our use of them.

In some cases we may use cookies to collect personal information, or that becomes personal information if we combine it with other information.

What are cookies?

Cookies are small data files that are placed on your computer or mobile device when you visit a website. Cookies are widely used by website owners in order to make their websites work, or to work more efficiently, as well as to provide reporting information.

Cookies set by the website owner (in this case, Need Financial Planning Ltd) are called "first-party cookies." Cookies set by parties other than the website owner are called "third-party cookies." Third-party cookies enable third-party features or functionality to be provided on or through the website (e.g., advertising, interactive content, and analytics). The parties that set these third-party cookies can recognize your computer both when it visits the website in question and also when it visits certain other websites.

Why do we use cookies?

We use first- and third-party cookies for several reasons. Some cookies are required for technical reasons in order for our Website to operate, and we refer to these as "essential" or "strictly necessary" cookies. Other cookies also enable us to track and target the interests of our users to enhance the experience on our Online Properties. Third parties serve cookies through our Website for advertising, analytics, and other purposes. This is described in more detail below.

How can I control cookies?

You have the right to decide whether to accept or reject cookies. You can exercise your cookie rights by setting your preferences in the Cookie Consent Manager. The Cookie Consent Manager allows you to select which categories of cookies you accept or reject. Essential cookies cannot be rejected as they are strictly necessary to provide you with services.

The Cookie Consent Manager can be found in the notification banner and on our website. If you choose to reject cookies, you may still use our website though your access to some functionality and areas of our website may be restricted. You may also set or amend your web browser controls to accept or refuse cookies.

The specific types of first- and third-party cookies served through our Website and the purposes they perform are described in the table below (please note that the specific cookies served may vary depending on the specific Online Properties you visit):

Essential website cookies:

These cookies are strictly necessary to provide you with services available through our Website and to use some of its features, such as access to secure areas.

Name:__cf_bm
Purpose:Cloudflare places the cookie on end-user devices that access customer sites protected by Bot Management or Bot Fight Mode.
Provider:.calendly.com
Service:CloudFlare View Service Privacy Policy
Type:http_cookie
Expires in:29 minutes

Name:cf_clearance
Purpose:Cloudflare clearance cookie stores the proof of challenge passed. It is used to no longer issue a challenge if present. It is required to reach an origin server.
Provider:.calendly.com
Service:Cloudflare View Service Privacy Policy
Type:http_cookie
Expires in:11 months 30 days

Name:m
Purpose:Tracks the user's session for Stripe
Provider:m.stripe.com
Service:Stripe View Service Privacy Policy
Type:server_cookie
Expires in:1 year 11 months 29 days

Name:rc::a
Purpose:Used to track and analyze user behavior to distinguish humans from bots or automated software.
Provider:www.google.com
Service:reCAPTCHA View Service Privacy Policy
Type:html_local_storage
Expires in:persistent

Performance and functionality cookies:

These cookies are used to enhance the performance and functionality of our Website but are non-essential to their use. However, without these cookies, certain functionality (like videos) may become unavailable.

Name:MR
Purpose:This cookie is used by Microsoft to reset or refresh the MUID cookie.
Provider:.c.clarity.ms
Service:Microsoft View Service Privacy Policy
Type:server_cookie
Expires in:7 days
Name:MR
Purpose:This cookie is used by Microsoft to reset or refresh the MUID cookie.
Provider:.c.bing.com
Service:Microsoft View Service Privacy Policy
Type:server_cookie
Expires in:7 days
Name:__cfruid
Purpose:Used by the content network, Cloudflare, to identify trusted web traffic.
Provider:.calendly.com
Service:CloudFlare View Service Privacy Policy
Type:server_cookie
Expires in:session
Name:SM
Purpose:Session cookie used to collect anonymous information on how visitors use a site to help improve their experience and for better target ads.
Provider:.c.clarity.ms
Service:ChanelAdvisor View Service Privacy Policy
Type:server_cookie
Expires in:session

Analytics and customization cookies:

These cookies collect information that is used either in aggregate form to help us understand how our Website is being used or how effective our marketing campaigns are, or to help us customize our Website for you.

Name:MUID
Purpose:Sets a unique user id for tracking how the user uses the site. Persistent cookie that is saved for 3 years
Provider:.clarity.ms
Service:Bing Analytics View Service Privacy Policy
Type:http_cookie
Expires in:1 year 24 days
Name:NID
Purpose:Set by Google to set a unique user ID to remember user preferences. Persistent cookie that stays for 182 days
Provider:.google.com
Service:Google View Service Privacy Policy
Type:server_cookie
Expires in:6 months
Name:MUID
Purpose:Sets a unique user id for tracking how the user uses the site. Persistent cookie that is saved for 3 years
Provider:.bing.com
Service:Bing Analytics View Service Privacy Policy
Type:http_cookie
Expires in:1 year 24 days
Name:CLID
Purpose:Identifies the first-time Clarity saw this user on any site using Clarity
Provider:www.clarity.ms
Service:Microsoft Clarity View Service Privacy Policy
Type:server_cookie
Expires in:11 months 30 days
Name:c.gif
Provider:c.clarity.ms
Type:pixel_tracker
Expires in:session

Advertising cookies:

These cookies are used to make advertising messages more relevant to you. They perform functions like preventing the same ad from continuously reappearing, ensuring that ads are properly displayed for advertisers, and in some cases selecting advertisements that are based on your interests.

Name:SRM_B
Purpose:Atlast Adserver used in conjunction with Bing services. Expires after 180 days
Provider:.c.bing.com
Service:Atlas View Service Privacy Policy
Type:server_cookie
Expires in:1 year 24 days
Name:ANONCHK
Purpose:Used by Bing as a unique user identifier for users seeing bing ads
Provider:.c.clarity.ms
Service:Bing View Service Privacy Policy
Type:server_cookie
Expires in:10 minutes

Unclassified cookies:

These are cookies that have not yet been categorized. We are in the process of classifying these cookies with the help of their providers.

Name:msgsndr_id
Provider:www.needfp.co.uk
Type:http_cookie
Expires in:11 months 30 days
Name:_cfuvid
Provider:.calendly.com
Type:server_cookie
Expires in:session
Name:elfsight_viewed_recently
Provider:core.service.elfsight.com
Type:server_cookie
Expires in:less than 1 minute
Name:_calendly_session
Provider:calendly.com
Type:server_cookie
Expires in:21 days
Name:ElfsightAppCore.storageTest
Provider:www.needfp.co.uk
Type:html_local_storage
Expires in:persistent
Name:cookie-config
Provider:www.needfp.co.uk
Type:http_cookie
Expires in:6 months 1 day
Name:Priority
Provider:c.bing.com
Type:server_cookie
Expires in:session
Name:Priority
Provider:c.clarity.ms
Type:server_cookie
Expires in:session
Name:whatsappChat.startTime
Provider:www.needfp.co.uk
Type:html_local_storage
Expires in:persistent

How can I control cookies on my browser?

As the means by which you can refuse cookies through your web browser controls vary from browser to browser, you should visit your browser's help menu for more information. The following is information about how to manage cookies on the most popular browsers:
In addition, most advertising networks offer you a way to opt out of targeted advertising. If you would like to find out more information, please visit:

What about other tracking technologies, like web beacons?

Cookies are not the only way to recognize or track visitors to a website. We may use other, similar technologies from time to time, like web beacons (sometimes called "tracking pixels" or "clear gifs"). These are tiny graphics files that contain a unique identifier that enables us to recognize when someone has visited our Website or opened an email including them. This allows us, for example, to monitor the traffic patterns of users from one page within a website to another, to deliver or communicate with cookies, to understand whether you have come to the website from an online advertisement displayed on a third-party website, to improve site performance, and to measure the success of email marketing campaigns. In many instances, these technologies are reliant on cookies to function properly, and so declining cookies will impair their functioning.

Do you use Flash cookies or Local Shared Objects?

Websites may also use so-called "Flash Cookies" (also known as Local Shared Objects or "LSOs") to, among other things, collect and store information about your use of our services, fraud prevention, and for other site operations.

If you do not want Flash Cookies stored on your computer, you can adjust the settings of your Flash player to block Flash Cookies storage using the tools contained in the Website Storage Settings Panel. You can also control Flash Cookies by going to the Global Storage Settings Panel and following the instructions (which may include instructions that explain, for example, how to delete existing Flash Cookies (referred to "information" on the Macromedia site), how to prevent Flash LSOs from being placed on your computer without your being asked, and (for Flash Player 8 and later) how to block Flash Cookies that are not being delivered by the operator of the page you are on at the time).

Please note that setting the Flash Player to restrict or limit acceptance of Flash Cookies may reduce or impede the functionality of some Flash applications, including, potentially, Flash applications used in connection with our services or online content.

Do you serve targeted advertising?

Third parties may serve cookies on your computer or mobile device to serve advertising through our Website. These companies may use information about your visits to this and other websites in order to provide relevant advertisements about goods and services that you may be interested in. They may also employ technology that is used to measure the effectiveness of advertisements. They can accomplish this by using cookies or web beacons to collect information about your visits to this and other sites in order to provide relevant advertisements about goods and services of potential interest to you. The information collected through this process does not enable us or them to identify your name, contact details, or other details that directly identify you unless you choose to provide these.

How often will you update this Cookie Policy?

We may update this Cookie Policy from time to time in order to reflect, for example, changes to the cookies we use or for other operational, legal, or regulatory reasons. Please therefore revisit this Cookie Policy regularly to stay informed about our use of cookies and related technologies.

The date at the top of this Cookie Policy indicates when it was last updated.

Where can I get further information?

If you have any questions about our use of cookies or other technologies, please email us at [email protected] or by post to:

Need Financial Planning Ltd
123 High St, Broadstairs CT10 1NQ, UK
England CT10 1NQ
United Kingdom
Phone: (+44)1843 228800


THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.IMPORTANT: With investments, your capital is at risk. Pensions and investments can go down in value as well as up, so you could get back less than you invest.

Need Financial Planning Ltd is registered in England and Wales no. 10901658. Registered office, 123 High Street, Broadstairs, Kent, CT10 1NQ. Authorised and regulated by the Financial Conduct Authority. Need Financial Planning Ltd is entered on the Financial Services Register https://register.fca.org.uk/ under reference 977136. If you wish to register a complaint, please write to [email protected] or telephone 01843 228800. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.

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