Delphine Paterson FCCA ACIB: 07780336952
Neil Paterson: 07803 724255

Our Cookie Policy

The following is the cookie policy of Forward Financials Ltd (‘we’, ‘us’, ‘our’). It should be read in conjunction with our privacy Policy which also includes the terms and conditions of our website.


Any reference to ‘our website’ refers to the website of Forward Financials, which can be accessed at the domain name

This policy was last updated on 17/06/2021.

Our website uses a number of different cookies and we provide the following information to explain our cookies policy and to give you some general information about what cookies are and how they operate.

If you do not agree with our cookie policy(or our privacy policy which includes our terms and conditions of website use) please stop using this website as your continuing use of this website will constitute acceptance by you of such policies.

Please also note that we may make changes to our cookies policy and/or change the types of cookies we use without giving notice to users of our website, so please ensure that you check our policies regularly to make sure you agree with any changes.

If you do not agree with the changes, please stop using this website as your continuing use of this website will constitute acceptance by you of any changes we may have made.


What are cookies?

Cookies are very small text files which are downloaded onto your computer or mobile device when you use a website.

Cookies are not viruses. Cookies allow a website to recognise a visitor’s device, and their general purpose is to enhance a website visitor’s experience.

They can do this in a number of different ways, such as enabling certain features of a website, providing analytical information that will assist in making any improvements to the website, and through saving a visitor’s preferences so they don’t need to re-enter them each time they visit a site.


Consenting to cookies

When you visit our website, cookies are placed onto your computer or mobile device.  We ask you provide consent to allow this to happen by clicking “I consent to cookies” in the small pop-up that appears on the bottom of your screen.

Before you give your consent, we ask that you read this cookie policy to inform yourself of how and why we use cookies, so that you can make an informed decision as to whether or not to give your consent.

If you do not consent, please stop using our website or switch off your cookies. However, switching off your cookies may result in a loss of functionality and your being unable to properly use our website.

Please note, if you do not provide consent, your continuing use of this website will constitute acceptance by you of our cookie policy and privacy policy which includes our website terms and conditions of use.


Managing your cookie settings

Many browsers, such as Safari which is an Apple computers’ browser or Microsoft’s Chrome browser, will store cookies such as ours in designated files on a computer, mobile phone or other device.  These files can be deleted and your browser should be able to explain how to do this. In addition, your browser will usually provide an option to remove or turn off cookies.

Alternatively, you can normally go to the ‘Help’ section of the browser you use, which should be able to assist you to turn off or remove cookies.

Please remember that by removing or turning off cookies this may affect how our website functions on your device, including the speed at which it operates and may even restrict your ability to use our website at all.

For more detailed information about how to manage your cookies and how to turn them off, visit:


How long does a cookie stay on my device?

  • Session cookie: A session cookie only exists whilst the user is using a website. When the user concludes their visit and closes their web browser session cookies are usually removed.
  • Persistent cookie: A persistent cookie will exist on a user’s device until a specific future date, for instance, for two years, when it will then expire. Each time a user accesses the website over this period, the website can access the cookie.


Different types of cookies

Cookies can be divided into four general categories, which have different purposes and features:

  • Strictly necessary cookies

These are cookies that are required to make a website work. They can also enable features that users have specifically asked for, such as those which allow people to shop online.

  • Performance and analytical cookies

These cookies assist in understanding how a website is being used, the number of visitors, and which pages they visit. This information can then be used to improve the website, for instance, by improving navigation.  Some of the most common types of performance cookies found on websites are those used for Google Analytics. The only personal information collected by these cookies is your IP address, which is effectively anonymous and will only be used to differentiate between visitors.

  • Functionality cookies

These cookies will remember any choices that you make when you visit a website. This means your preferences will be automatically stored until your next visit to improve your experience.

  • Targeting or Advertising cookies

These cookies collect information about a user’s behaviour and are often used to assist with advertising. These cookies are sometimes third-party cookies (see below).


Third-party cookies

A third-party cookie is a type of cookie which is installed on a user’s device by a website from a different domain name than the actual website the user is visiting. Third-party cookies are installed for similar purposes as normal cookies.  Advertisers often use them to track browsing history.

Some browsers will block certain third-party cookies automatically.  Also, the privacy settings in your browser should allow you to block these cookies. (See our ‘managing your cookie settings’ section above).

For more detailed information about cookies and the various types in use, please visit:


The Cookies this website uses and what they are used for

We want visitors to our website to find it user friendly and the 3 types of cookie that our website uses, Strictly necessary, Performance and analytical and Functionality, allow us to:-

  1. Ensure and continually maintain compatibility with the different browsers and operating systems that are used to visit our site.
  2. Compile and analyse statistical website reports in respect of website activity and usability.