Privacy Policy

1. Introduction

Lucid Credit ("we," "our," or "us") is committed to protecting your privacy and personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website lucid-credit.com or use our consulting services.

2. Information We Collect

2.1 Information You Provide

• Contact information (name, email, phone number, address)
• Business information (company name, industry, business challenges)
• Communication preferences and newsletter subscriptions
• Any other information you voluntarily provide through forms or communications

2.2 Information Automatically Collected

• Website usage data (pages visited, time spent, click patterns)
• Device information (IP address, browser type, operating system)
• Cookies and similar tracking technologies

3. How We Use Your Information

We use your personal information for the following purposes:

• Providing and improving our consulting services
• Responding to your inquiries and communications
• Sending you relevant business insights and newsletters (with your consent)
• Analyzing website usage to improve user experience
• Complying with legal obligations and protecting our rights

4. Legal Basis for Processing

Under GDPR, we process your personal data based on:

• Consent: When you voluntarily provide information or subscribe to newsletters
• Legitimate Interest: For improving our services and business operations
• Contract Performance: When providing consulting services
• Legal Compliance: When required by applicable laws

5. Information Sharing and Disclosure

We do not sell, trade, or rent your personal information. We may share your information only in these circumstances:

• With your explicit consent
• With trusted service providers who assist in our operations
• When required by law or to protect our legal rights
• In connection with a business transfer or merger

6. Data Security

We implement appropriate technical and organizational measures to protect your personal data against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of sensitive data in transit and at rest
• Regular security assessments and updates
• Limited access to personal data on a need-to-know basis
• Staff training on data protection practices

7. Your Rights

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

• Access: Request copies of your personal data
• Rectification: Correct inaccurate or incomplete data
• Erasure: Request deletion of your personal data
• Portability: Receive your data in a structured, machine-readable format
• Restriction: Limit how we process your data
• Objection: Object to processing based on legitimate interest
• Withdraw Consent: Withdraw consent for consent-based processing

8. Cookies and Tracking

We use cookies and similar technologies to enhance your browsing experience. You can manage cookie preferences through our cookie banner or your browser settings. For more details, see our Cookie Policy.

9. Data Retention

We retain your personal data only for as long as necessary to fulfill the purposes outlined in this policy or as required by law. Typically:

• Contact inquiries: 2 years after last contact
• Client data: 7 years after service completion
• Marketing data: Until you unsubscribe or withdraw consent

10. International Data Transfers

Your data is primarily processed within the UK and EU. If we transfer data outside these regions, we ensure appropriate safeguards are in place, including adequacy decisions or standard contractual clauses.

11. Contact Information

For questions about this Privacy Policy or to exercise your rights, contact us:

12. Changes to This Policy

We may update this Privacy Policy periodically. When we make material changes, we will notify you by email or through a prominent notice on our website. Continued use of our services after changes constitutes acceptance of the updated policy.

13. Complaints

If you have concerns about how we handle your personal data, you can contact us directly. You also have the right to lodge a complaint with the Information Commissioner's Office (ICO) if you believe we have not handled your data appropriately.