GDPR Policy
Last Updated: 28/02/25
Mums Out Of Debt (mumsoutofdebt.co.uk) is a trading name of Lawson Fox Solutions Limited. We are is committed to protecting the personal data of our users in compliance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.
This GDPR Policy explains how we collect, process, store, and protect personal data, as well as your rights regarding your personal information.
Legal Basis for Processing Personal Data
Under UK GDPR, we must have a lawful basis for processing personal data. We collect and process data based on:
Consent – Where you have given us clear permission.
Legitimate Interest – Where processing is necessary for the operation of our business and does not override your rights.
Contractual Obligation – Where processing is necessary to provide our services.
Legal Compliance – Where we are required to process data under UK law or regulatory obligations.
What Personal Data We Collect
We collect personal data that may include:
Identity Information – Name, date of birth, and contact details.
Financial Data – Income, expenditure, debts, assets, and credit history.
Communication Data – Records of interactions via email, phone, WhatsApp, and social media.
Technical Data – IP address, device information, and website usage.
How We Collect Your Data
We obtain data through:
Your direct interactions – When you submit an enquiry, application, or contact us.
Third parties – Such as creditors providing account details or companies that have introduced you to us.
Social media – When you engage with us on platforms such as Facebook.
Regulatory requirements – Such as credit searches.
How We Use Your Data
We use your personal data for:
- Providing free debt advice and financial support.
- Assessing your financial situation and recommending suitable solutions.
- Contacting you via telephone, WhatsApp, email, or letter regarding your enquiry.
- Complying with legal and regulatory requirements.
- Improving our website and services.
Sharing Your Data
We may share your data with:
UK Debt Expert Limited – A trusted third-party partner providing free debt advice.
Regulatory authorities – To comply with legal and financial regulations.
Service providers – IT support, cloud storage, and other essential business services.
How We Store and Protect Your Data
We use secure, encrypted systems to protect your data. We implement:
Access Controls – Only authorised personnel can access personal data.
Data Encryption – Sensitive data is encrypted for protection.
Regular Security Audits – To monitor and improve data security.
Data Retention Policy
We keep personal data for as long as necessary:
For active cases – Until the service is completed.
For regulatory compliance – Up to six years after your case is closed.
For marketing purposes – Until you withdraw consent.
Once data is no longer needed, it is securely deleted.
Your Rights Under UK GDPR
You have the following rights regarding your personal data:
Right to Access – Request a copy of the personal data we hold about you.
Right to Rectification – Correct inaccurate or incomplete data.
Right to Erasure (“Right to be Forgotten”) – Request deletion of your data, subject to legal requirements.
Right to Restrict Processing – Request limitations on how we use your data.
Right to Data Portability – Request a transfer of your data to another provider.
Right to Object – Object to the processing of your data for specific purposes, such as marketing.
Right to Withdraw Consent – Withdraw your consent for marketing communications at any time.
To exercise these rights, contact us at gdpr@lawsonfox.co.uk
How to Make a Complaint
If you are unhappy with how we handle your data, you can contact us directly at gdpr@lawsonfox.co.uk.
If we cannot resolve your complaint, you have the right to contact the Information Commissioner’s Office (ICO):
ICO Website: www.ico.org.uk
Helpline: 0303 123 1113
Changes to This Policy
We may update this GDPR Policy from time to time. Any changes will be posted on this page, and continued use of our services means you accept these updates.