Our website, www.lowellbusiness.co.uk  is operated by Lowell Financial Ltd (company number 04558936).  

Where we use “we”, “our” or “us” in this privacy notice, we mean Lowell Financial Ltd unless we say otherwise.  Where we use “our site” in this privacy notice, we mean www.lowellbusiness.co.uk.

What are cookies?

Cookies are text files containing small amounts of information which are downloaded to your device when you visit our site. Cookies are then sent back to our site that recognises those cookies on each subsequent visit, enabling our site to recognise you. 

Unless you have adjusted your browser settings to refuse cookies (and details of how to do this are signposted at the end of this notice), our site will set cookies as soon as you visit our site.

How and why we use cookies

We use cookies on our site to:

  • recognise you whenever you visit our site
  • allow you to navigate between pages efficiently
  • safeguard your privacy when you're using our site measure how you use our site so it can be updated and improved to give you the best possible experience on our site

The information we obtain from our use of cookies will not usually contain information from which you can be easily identified, such as your name.  However, once we start to process your information or you provide your consent, we do collect some personal data relating to your computer or other electronic devices, such as your IP address, your browser and/or other internet log information which will result in personally identifiable information.  Please see below how to manage cookies.

In most cases, we will need your consent in order to use cookies on our site.  The exception to this is where the cookie is essential in order for us to provide you with a service you have requested.

When you open our webpage in your browser a cookie pop up message will be displayed and this will ask you for your consent for non-essential cookies to be placed on your device.  If you do not click to accept cookies but you continue to use our site the message will continue to pop up until you take positive action in relation to the pop-up.  A record of your acceptance will be stored in a functional cookie for 13 months, after which the cookie will expire and the cookie pop up message will be displayed again. 

You may withdraw your consent or acceptance at any time by following the instructions for disabling cookies signposted at the end of this cookies notice. 

We use the following cookies on our site:


Essential cookies 

These cookies are essential in order to enable you to move around our site and use its features.

Cookie name

What is the purpose of this Cookie Default Expiration Time
__hs_opt_out This cookie is used by the opt-in privacy policy to remember not to ask the visitor to accept cookies again. This cookie is set when you give visitors the choice to opt out of cookies. (Expires: 13 months)
__hs_do_not_track This cookie can be set to prevent the tracking code from sending any information to HubSpot. Setting this cookie is different from opting out of cookies, as it still allows anonymized information to be sent to HubSpot. (Expires: 13 months)
hs_ab_test This cookie is used to consistently serve visitors the same version of an A/B test page they’ve seen before. (Expires: end of session)
hs-messages-is-open This cookie is used to determine and save whether the chat widget is open for future visits. It resets to re-close the widget after 30 minutes of inactivity. (Expires: 30 minutes) 
hs-messages-hide-welcome-message This cookie is used to prevent the welcome message from appearing again for one day after it is dismissed. (Expires: 1 day) 
__hsmem This cookie is set when visitors log in to a HubSpot-hosted site. (Expires: 1 year) 


Consent banner cookies 

Cookie name What is the purpose of this Cookie Default Expiration Time
__hstc The main cookie for tracking visitors. It contains the domain, utk, initial timestamp (first visit), last timestamp (last visit), current timestamp (this visit), and session number (increments for each subsequent session). (Expires: 13 months) 
hubspotutk This cookie is used to keep track of a visitor's identity. This cookie is passed to HubSpot on form submission and used when deduplicating contacts. (Expires: 13 months) 
__hssc This cookie keeps track of sessions. This is used to determine if HubSpot should increment the session number and timestamps in the __hstc cookie. It contains the domain, viewCount (increments each pageView in a session), and session start timestamp.  (Expires: 30 min) 
__hssrc Whenever HubSpot changes the session cookie, this cookie is also set to determine if the visitor has restarted their browser. If this cookie does not exist when HubSpot manages cookies, it is considered a new session. (Expires: end of session) 
messagesUtk This cookie is used to recognize visitors who chat with you via the messages tool. If the visitor leaves your site before they're added as a contact, they will have this cookie associated with their browser. If you chat with a visitor who later returns to your site in the same cookied browser, the messages tool will load their conversation history. (Expires: 13 months)


Performance cookies

These non-essential cookies collect information about how visitors use our site, for instance, which pages visitors go to most often, and if they get error messages from web pages. These cookies don’t collect information that identifies a visitor. All information these cookies collect is aggregated and therefore anonymous. It is only used to improve how a website works.

Cookie name What is the purpose of this Cookie Default Expiration Time

We use Google Analytics to collect information about how you use our site.  

We use the information to compile reports and to help us improve our site. These cookies collect information in an anonymous form, including the number of visitors to our site, where visitors have come to our site from and the pages they visited.

We don’t allow Google to use or share our analytics data.

Google Analytics stores information about:

  • The pages you visit on our site
  • The actions you perform on our site
  • How long you spend on each page
  • How you got to our site 

  • What you click on while you’re visiting our site
  • Information about the browser and device you use to navigate our site, (including an anonymised IP address).
  • We don’t collect or store any personal information (for example your name or address) that can be used to identify who you are.

More details about how Google Analytics collects and processes data are available at www.google.com/policies/privacy/partners

You can opt out of being tracked by Google Analytics cookies across all websites http://tools.google.com/dlpage/gaoptout
2 years from set/update
_utmb 30 mins from set/update
_utmc End of browser session
_utmt 10 minutes
_utmz 6 months from set/update
ga 2 years


10 minutes


Where to find more information

You can adjust the settings in your web browser to determine whether (all) sites can set cookies on your computer.  More information about cookies and how to manage them, specific to your browser, can be found here 

If you have any further questions, comments or requests regarding our cookies notice or how we use cookies on our site, please contact us by letter at Data Protection Officer, Lowell Financial Ltd, PO Box 13079, Harlow, CM20 9TE or email dpo@lowellgroup.co.uk.