Last Updated: 28/02/25
Mums Out Of Debt (“we”, “us”, “our”) is a trading name of Lawson Fox Debt Solutions Limited. We are committed to protecting and respecting your privacy.
This Privacy Policy explains how we collect, use, store, and share your personal data, your rights under UK data protection laws, and how you can exercise them.
Who We Are
Mums Out Of Debt (mumsoutofdebt.co.uk) is operated by:
Lawson Fox Debt Solutions Limited
Company Registration Number: 7319288
FCA Number: 660857
Data Protection Registration Number: Z3070317
For any queries regarding this policy, you can contact us at:
Email: gdpr@lawsonfox.co.uk
Address:
Lawson Fox Debt Solutions Limited
Falcon Mill
3rd Floor
Handel Street
Bolton
BL1 8BL
2. What Information We Collect
We collect and process personal data that you provide when you use our website, contact us, or engage with our services. This may include:
Personal Details – Name, address, date of birth, and contact details (phone number, email address).
Financial Information – Income, expenditure, debts, assets, and credit commitments.
Communication Data – Any messages or correspondence via email, WhatsApp, SMS, telephone, or social media.
Technical Data – IP address, browser type, and usage data when visiting our website.
How We Collect Your Data
We may collect your information in the following ways:
- When you make an enquiry or submit an application via telephone, email, our website, WhatsApp, or other electronic channels.
- When we receive information from a third party, such as a creditor providing details about an account you hold with them, or where you have previously agreed for your data to be shared with us—for example, if another company has referred you to us.
- When you interact with us on social media platforms such as Facebook.
- When we need to obtain up-to-date information about you to fulfil our legal or regulatory obligations, including conducting credit searches.
- When you have given consent for your information to be shared with us.
How We Use Your Information
We use your personal data to:
- Provide debt advice and financial support services.
- Assess your financial situation and recommend suitable solutions.
- Contact you via telephone, WhatsApp, email, or letter regarding your enquiry.
- Improve our website, services, and user experience.
- Comply with legal and regulatory requirements.
Your data will also be passed to our trusted third-party partner, UK Debt Expert Limited, for the purpose of providing free, impartial debt advice.
How We Store and Protect Your Data
We store your data securely using encrypted systems and restricted access. We retain personal data only for as long as necessary, typically:
For active cases – As long as you use our services.
For legal compliance – Up to six years after your case is closed.
For marketing purposes – Until you withdraw consent.
How We Share Your Information
We do not sell your data. We may share your data with:
UK Debt Expert Limited – To provide free debt advice.
Regulatory bodies – If required by law or the Financial Conduct Authority (FCA).
Service providers – Trusted third parties who assist in providing our services (e.g., IT support, legal advisors).
Social Media Policy
If you interact with us via Facebook, Instagram, Twitter, or WhatsApp, please note that these platforms collect their own data. We recommend reviewing their privacy policies separately.
We will never post or share any personal details on social media without your consent. If you contact us via social media, we may continue the conversation privately via WhatsApp, telephone, or email.
Marketing & Communication
We may contact you via:
- Telephone
- SMS
- Post
We will only send marketing messages if you have explicitly opted in. You can unsubscribe at any time by clicking “unsubscribe” in our emails or contacting us.
Your Rights Under UK Data Protection Law
Under the UK GDPR, you have the following rights:
Right to Access – Request a copy of the personal data we hold about you.
Right to Rectification – Request corrections if your data is inaccurate.
Right to Erasure (“Right to be Forgotten”) – Request deletion of your data, subject to legal requirements.
Right to Restrict Processing – Request that we limit how we use your data.
Right to Data Portability – Request transfer of your data to another provider.
Right to Object – Object to data processing for marketing purposes.
Right to Withdraw Consent – Withdraw consent for marketing or specific processing activities.
To exercise these rights, contact gdpr@lawsonfox.co.uk
How to Make a Complaint
If you have concerns about how we process your data, you can contact us by emailing gdpr@lawsonfox.co.uk.
If you are not satisfied, you have the right to lodge a complaint with the Information Commissioner’s Office (ICO):
ICO Website: www.ico.org.uk
Helpline: 0303 123 1113
Changes to This Policy
We may update this Privacy Policy from time to time. Any changes will be posted on this page, so please review it regularly.