Privacy Policy

Last updated: May 10, 2026

Introduction

Lumen Structures is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your data when you visit our website or use our services.

Information We Collect

We collect information that you provide directly to us, including:

  • Name and contact information (email address, postal address)
  • Financial information related to pension planning
  • Employment history and pension details
  • Communications you send to us

We also automatically collect certain information when you visit our website:

  • IP address and browser type
  • Pages visited and time spent on our site
  • Referring website addresses
  • Cookie data (see our Cookies Policy for details)

How We Use Your Information

We use the information we collect to:

  • Provide pension planning and advisory services
  • Communicate with you about our services
  • Analyze and improve our website and services
  • Comply with legal and regulatory obligations
  • Protect against fraud and unauthorized access

Legal Basis for Processing

Under UK GDPR, we process your personal data on the following legal bases:

  • Contract performance: to provide the services you've requested
  • Legitimate interests: to improve our services and communicate with clients
  • Legal obligation: to comply with FCA regulations and other legal requirements
  • Consent: where you've given explicit permission for specific uses

Data Sharing and Disclosure

We do not sell your personal information. We may share your data with:

  • Pension providers and financial institutions (with your consent)
  • Professional advisors (solicitors, accountants) when necessary
  • Regulatory bodies as required by law
  • Service providers who assist our operations (under strict confidentiality agreements)

Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. This includes encryption, secure servers, and regular security assessments.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, unless a longer retention period is required by law. Financial records are typically retained for seven years in accordance with regulatory requirements.

Your Rights

Under UK data protection law, you have the following rights:

  • Access: request a copy of your personal data
  • Rectification: correct inaccurate or incomplete data
  • Erasure: request deletion of your data in certain circumstances
  • Restriction: limit how we use your data
  • Portability: receive your data in a structured format
  • Objection: object to processing based on legitimate interests
  • Withdraw consent: where processing is based on your consent

To exercise any of these rights, contact us at [email protected].

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites and encourage you to review their privacy policies.

Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. The updated version will be posted on this page with a revised "Last updated" date.

Contact Us

If you have questions about this Privacy Policy or our data practices, please contact us:

Email: [email protected]
Address: 47 Kingsway Boulevard, Cheltenham, GL50 2PF, United Kingdom