Table of contents

As we use an enquiry form within our website, and collect personal information and financial documents so we will feature a privacy policy within our website to map how we will process the user’s personal data.

wefixdebtproblems.com is owned and operated by Ramsey Lomax LTD

Ramsey Lomax Ltd respects your privacy and is committed to protecting your personal data.

This privacy notice will inform you as to how we look after your personal data when you visit our website (regardless of where you visit it from) and tell you about your privacy rights and how the law protects you.

By ‘We’ or ‘Us’, we mean Ramsey Lomax LTD (“Ramsey Lomax”).

By “You” we mean the customer or individual who has accessed our service or the individual to whom data relates that we process or control.

We are Registered in England and Wales. Registered Address: United House, North Road, London, England, N7 9DP. Company Number: 08591146. ICO registration number: ZA441156.

Ramsey Lomax LTD is authorised and regulated by the Financial Conduct Authority (FCA). Our licence number is 740282 and you can find out more about authorisation here. 

RAMSEY LOMAX LTD IS A CREDIT BROKER AND NOT A LENDER. 

PURPOSE OF THIS PRIVACY NOTICE  

This privacy notice aims to give you information on how Ramsey Lomax (“Ramsey Lomax”) collects and processes your personal data through your use of this website, or directly via electronic communication including any data you may provide through this website or any data that you have provided to third party companies wherein you consented to the passing and processing of data by Ramsey Lomax.

This website is not intended for children and we do not knowingly collect data relating to children.

It is important that you read this privacy notice together with any other privacy notice or fair processing notice we may provide on specific occasions when we are collecting or processing personal data about you so that you are fully aware of how and why we are using your data.

Ramsey Lomax is the controller and is responsible for any of your personal data it controls and processes.

Our full details are:

Full name of legal entity: Ramsey Lomax

Email address: compliance@ramseylomax.co.uk

Postal address:

Ramsey Lomax,

United House,

North Road,

London,

N7 9 DP.

Telephone number: 0203 808 1030

Personal data, or personal information, means any information about an individual from which that person can be identified. It does not include data where the identity has been removed (anonymous data).

We may collect, use, store and transfer different kinds of personal data about you which we have grouped together as follows:

  • Identity Data includes first name, maiden name, last name, username or similar identifier, marital status, title, date of birth and gender.
  • Contact Data includes billing address, delivery address, email address and telephone numbers.
  • Financial Data includes bank account and payment card details. Financial statements and balances, credit reference agency information, wages slips, credit card details, loan details, mortgage details, expenditure details.
  • Transaction Data includes details about payments to and from you and other details of products and services you have purchased from us.
  • Technical Data includes internet protocol (IP) address, your login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform and other technology on the devices you use to access this website.
  • Profile Data includes your username and password, purchases or orders made by you, your interests, preferences, feedback and survey responses.
  • Usage Data includes information about how you use our website, products and services.
  • Marketing and Communications Data includes your preferences in receiving marketing from us and our third parties and your communication preferences.

We also collect, use and share Aggregated Data such as statistical or demographic data for any purpose. Aggregated Data may be derived from your personal data but is not considered personal data in law as this data does not directly or indirectly reveal your identity. For example, we may aggregate your Usage Data to calculate the percentage of users accessing a specific website feature. However, if we combine or connect Aggregated Data with your personal data so that it can directly or indirectly identify you, we treat the combined data as personal data which will be used in accordance with this privacy notice.

We do not collect any Special Categories of Personal Data about you (this includes details about your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about your health and genetic and biometric data). Nor do we collect any information about criminal convictions and offences.

IF YOU FAIL TO PROVIDE PERSONAL DATA

Where we need to collect personal data by law, or under the terms of a contract we have with you and you fail to provide that data when requested, we may not be able to perform the contract we have or are trying to enter into with you (for example, to provide you with goods or services). In this case, we may have to cancel a product or service you have with us, but we will notify you if this is the case at the time.

This website may include links to third-party websites, plug-ins and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy statements. When you leave our website, we encourage you to read the privacy notice of every website you visit.

We help customers obtain to deal with debts in a number of different ways. In order to get a picture of your true credit position, we may access and search your credit file with a credit reference agency.

We believe in informing customers at all stages about searches we carry out and we will seek your permission to complete these when they become necessary.

If you wish to know how the credit reference agencies will treat your data, please see their policies via these links:

We use different methods to collect data from and about you including through:

  • Direct interactions. You may give us your Identity, Contact and Financial Data by filling in forms or automated chat bots or by corresponding with us by post, phone, email,sms or otherwise. This includes personal data you provide when you:
  • Use our debt advice application and search form.
  • Wish to search for a debt solution or debt advice product.
  • Agree to a search with a credit reference agency.
  • create an account on our website;
  • subscribe to our service or publications;
  • request marketing to be sent to you;
  • give us some feedback.
  • email us regarding a compliant or SAR. 
  • Phone us with a business or consumer enquiry. 
  • Automated technologies or interactions. As you interact with our website, we may automatically collect Technical Data about your equipment, browsing actions and patterns. We collect this personal data by using cookies, server logs and other similar technologies. We may also receive Technical Data about you if you visit other websites employing our cookies. Please see our cookie policy further details.
  • Third parties or publicly available sources. We may receive personal data about you from various third parties and public sources as set out below:
  • Technical Data from the following parties:

(a)  analytics providers such as Google based outside the EU;

(b)  advertising networks such as Google, facebook, taboola, revcontent, outbrian based outside of the EU; and

(c)  CRM providers based inside the UK such as databowl or salesforce, mail chimp or constant contact

  • Identity and Contact Data from publicly availably sources such as Companies House and the Electoral Register based inside the EU.

We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:

  • Where we need to perform the contract, we are about to enter into or have entered into with you.
  • Where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests.
  • Where we need to comply with a legal or regulatory obligation.
  • Where you have provided us consent to control or process your data for direct marketing purposes.

PURPOSES FOR WHICH WE WILL USE YOUR PERSONAL DATA

We have set out below, in a table format, a description of all the ways we plan to use your personal data, and which of the legal bases we rely on to do so. We have also identified what our legitimate interests are where appropriate.

Note that we may process your personal data for more than one lawful ground depending on the specific purpose for which we are using your data. Please email compliance@ramseylomax.co.uk  if you need details about the specific legal ground we are relying on to process your personal data where more than one ground has been set out in the table below.

LAWFUL BASIS

Consent means you giving a freely informed choice for us to contact you in relation to the service we wish to offer and how we use your data. We will make sure that consent is appropriate and offers you a real choice of control over how we will use your data.

Legitimate Interest means the interest of our business in conducting and managing our business to enable us to give you the best service and the best and most secure experience. We make sure we consider and balance any potential impact on you (both positive and negative) and your rights before we process your personal data for our legitimate interests. We do not use your personal data for activities where our interests are overridden by the impact on you (unless we have your consent or are otherwise required or permitted to by law). You can obtain further information about how we assess our legitimate interests against any potential impact on you in respect of specific activities by emailing compliance@ramseylomax.co.uk

 Performance of Contract means processing your data where it is necessary for the performance of a contract to which you are a party or to take steps at your request before entering into such a contract.

Comply with a legal or regulatory obligation means processing your personal data where it is necessary for compliance with a legal or regulatory obligation that we are subject to.

MARKETING

We strive to provide you with choices regarding certain personal data uses, particularly around marketing and advertising.

PROMOTIONAL OFFERS FROM US

We may use your Identity, Contact, Technical, Usage and Profile Data to form a view on what we think you may want or need, or what may be of interest to you. This is how we decide which products, services and offers may be relevant for you (we call this marketing).

You will receive marketing communications from us if you have requested information from us or purchased goods or services from us or to third parties that work with us and, in each case, you have not opted out of receiving that marketing.

THIRD-PARTY MARKETING

We will get your express opt-in consent before we share your personal data with any company outside Ramsey Lomax for marketing purposes.

OPTING OUT

You can ask us or third parties to stop sending you marketing messages at any time by following the opt-out links on any marketing message sent to you or by emailing us at compliance@ramseyloax.co.uk at any time.

Where you opt out of receiving these marketing messages, this will not apply to personal data provided to us as a result of a product/service engaged.

COOKIES

A cookie is a small file of letters and numbers that is downloaded on to your computer when you visit a website. Cookies are used by many websites and can do a number of things such as remembering your preferences, recording what you have put in your shopping basket, and counting the volume of people accessing the website.

You can set your browser to refuse all or some browser cookies, or to alert you when websites set or access cookies. If you disable or refuse cookies, please note that some parts of this website may become inaccessible or not function properly. For more information about the cookies we use, please see our cookies policy.

CHANGE OF PURPOSE

We will only use your personal data for the purposes for which we collected it, unless we reasonably consider that we need to use it for another reason and that reason is compatible with the original purpose. If you wish to get an explanation as to how the processing for the new purpose is compatible with the original purpose, please email compliance@ramseylomax.co.uk

If we need to use your personal data for an unrelated purpose, we will notify you and we will explain the legal basis which allows us to do so.

Please note that we may process your personal data without your knowledge or consent, in compliance with the above rules, where this is required or permitted by law.

Purpose / Activity Type of Data Lawful basis for processing including basis of legitimate interest
To register you as a new customers (a) Identity (b) financial (c) Contact Performance of a contract with you
Providing debt advice (a) Identity (b) financial (c) Contact Performance of a contract with you
Introducing you to an FCA authorised debt advice company who will help you with your loan enquiry. (a) Identity (b) financial (c) Contact Performance of a contract with you
Providing debt advice (a) Identity (b) financial (c) Contact Performance of a contract with you
To make an introduction to a credit broker who will be able to provide you with loan quotes. (a) Identity (b) financial (c) Contact Performance of a contract with you
To make an introduction to a company who will be able to process a debt solution such as an IVA (a) Identity (b) financial (c) Contact Performance of a contract with you
To manage our relationship with you which will include: (a) Identity (b) financial (c) Contact Performance of a contract with you
Notifying you about changes to our terms or privacy policy (a) Identity (c) Contact (b) Necessary to comply with a legal obligation
Asking you to leave a review or take a survey (a) Identity (b) financial (c) Contact (c) Necessary for our legitimate interests (to keep our records updated and to study how customers use our products/services)
To administer and protect our business and this website (including troubleshooting, data analysis, testing, system maintenance, support, reporting and hosting of data) (a) Identity (b) financial (c) Contact (a) Necessary for our legitimate interests (for running our business, provision of administration and IT services, network security, to prevent fraud and in the context of a business reorganisation or group restructuring exercise) (b) Necessary to comply with a legal obligation
To deliver relevant website content and advertisements to you and measure or understand the effectiveness of the advertising we serve to you (a) Identity (b) financial (c) Contact a) Consent (b) Necessary for our legitimate interests (to study how customers use our products/services, to develop them, to grow our business and to inform our marketing strategy)
To use data analytics to improve our website, products/services, marketing, customer relationships and experiences (a) Identity (b) financial (c) Contact Necessary for our legitimate interests (to define types of customers for our products and services, to keep our website updated and relevant, to develop our business and to inform our marketing strategy)
To make suggestions and recommendations to you about goods or services that may be of interest to you (a) Identity (b) financial (c) Contact Necessary for our legitimate interests (to develop our products/services and grow our business)

 

We may have to share your personal data with the parties set out below for the purposes set out in the table in paragraph 4 above. Selected third parties will be subject to obligations to process your personal information in compliance with the same safeguards that we deploy.

We work carefully with selected data processing companies listed below. 

We may also disclose your information with:

  • HM Revenue & Customs, Claims Management Regulator, Regulators and other authorities acting as processors based in the United Kingdom who require reporting of processing activities in certain circumstances.
  • Accountants, Solicitors, Compliance Consultants and other like services acting as processors, based in the United Kingdom who require reporting of processing activities in certain legal and compliance circumstances.
  • Third parties to whom we may choose to sell, transfer, or merge parts of our business or our assets. Alternatively, we may seek to acquire other businesses or merge with them. If a change happens to our business, then the new owners may use your personal data in the same way as set out in this privacy notice.

We require all third parties to respect the security of your personal data and to treat it in accordance with the law. We do not allow our third-party service providers to use your personal data for their own purposes and only permit them to process your personal data for specified purposes and in accordance with our instructions.

Company Details Purpose of Activity
Ramsey Lomax LTD https://ramseylomax.co.uk/ Performance of a contract with you
Debt Advice Companies:
Ramsey Lomax LTD https://ramseylomax.co.uk/ Providing debt advice, comparising debt solutions and making recommendations
Credit Fix LTD https://www.creditfix.co.uk/ Providing IVA services
Hanover Insolvency LTD https://www.hanoverinsolvency.co.uk/ Providing IVA services
Freeman Jones LTD https://www.freemanjones.co.uk/ Providing IVA services
Help Debt Plus LTD https://www.helpdebtplus.com/ Providing debt advice, comparising debt solutions and making recommendations
United Insolvency LTD https://unitedinsolvency.co.uk/ Providing debt advice, comparising debt solutions and making recommendations
StepChange Debt Charity https://www.stepchange.org/ Providing debt advice, comparising debt solutions and making recommendations
Two Financial  https://twofinancialservices.com/ Making introductions to debt soltuion providers for IVA, Debt Management and Scottish Debt Solutions
Software & Marketing Partners
Twitter twitter.com Provision of Marketing Activities
Facebook facebook.com Provision of Marketing Activities
Google https://www.google.com/ Provision of Marketing Activities
Outbrain https://www.outbrain.com/ Provision of Marketing Activities
Taboola https://www.taboola.com/ Provision of Marketing Activities
YouTube https://www.youtube.com/ Provision of Marketing Activities
Addespresso https://adespresso.com/ Provision of Marketing Activities
Landbot.io https://landbot.io/ Provision of marketing acitivities, data collection, data analysis, website interaction, automated conversations.
LeadGenApp.io https://leadgenapp.io/ Provision of marketing acitivities, data collection, data analysis, website interaction, automated conversations.
Unbounce http://unbouncepages.com/ Provision of marketing acitivities, data collection, data analysis, website interaction. Website optimisation
Hotjar https://www.hotjar.com/ Provision of marketing acitivities, data collection, data analysis, website interaction, website optimisation
Salesforce https://www.salesforce.com/uk/ Data storage and processing, contact.
Data-8 https://www.data-8.co.uk/ Provision of data and validation services
Experian https://www.experian.co.uk/ Provision of credit bureau services
TransUnion https://www.transunion.co.uk/ Provision of credit bureau services
DataBowl Limited https://www.databowl.com/ Technology and marketing provider for enquiry distribution, data analysis, data compliance
Loan and Credit Brokers
Fluent Money LTD https://www.fluentmoney.co.uk/ Provision of credit brokering services
Loans Warehouse LTD https://www.loanswarehouse.co.uk/ Provision of credit brokering services
Ramsey Lomax LTD https://ramseylomax.co.uk/ Provision of credit brokering services

 

You will never be charged a penny for using this website. 

You will be introduced to experts who will compare debt solutions, provide debt advice and make recommendations on how to solve your debts. This process is free. 

If you decide to take out a debt solution such as an IVA or Debt Management Plan or a loan or similar credit product then you may be charged a fee. 

You should ask the provider or credit broker if there are any fee’s associated with a product. 

Remember, all services are ‘no obligation’ so you do not have to go ahead with any service or product provided until you find out exactly what fees may be applicable. 

For more information about fees you can contact compliance@ramseylomax.co.uk

Some of our external third parties or traffic partners such as Facebook, google and others or software providers are based outside the European Economic Area (EEA) so their processing of your personal data will involve a transfer of data outside the EEA.

Whenever we transfer your personal data out of the EEA, we ensure a similar degree of protection is afforded to it by ensuring at least one of the following safeguards is implemented:

Please email compliance@ramseylomax.co.uk if you want further information on the specific mechanism used by us when transferring your personal data out of the EEA.

We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal data on our instructions and they are subject to a duty of confidentiality.

We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.

We aim to use as little data as possible, We understand how important your personal information is and we will only ask you for the bare minimum to perform our business purposes and will keep hold of it for the littlest amount of time necessary.

We will only retain your personal data for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements.

Ramsey Lomax LTD is authorised and regulated by the FCA. As such we have regulatory requirements to maintain details of our customers for at least 6 years. In some cases we may retain personal data for longer than 6 years. 

To determine the appropriate retention period for personal data, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal requirements.

Details of retention periods for different aspects of your personal data are available in our retention policy which you can request from us by compliance@ramseylomax.co.uk . By law we have to keep certain information about our customers and this data will be held solely and securely for those legal purposes. 

In some circumstances you can ask us to delete your data: see Request erasure below for further information. However, an erasure request may be partially declined. In the event a complaint has been made, coupled with an erasure request, we will maintain records relating to the complaint, including basic information such as name, email and telephone. In the event that you do not wish to be contacted by us, we are required to maintain a log of this request, withholding applicable data to ensure we no longer contact you further.

In some circumstances we may anonymise your personal data (so that it can no longer be associated with you) for research or statistical purposes in which case we may use this information indefinitely without further notice to you.

Under certain circumstances, you have rights under data protection laws in relation to your personal data. You have the right to:

  • Request access to your personal data (commonly known as a “data subject access request”). This enables you to receive a copy of the personal data we hold about you and to check that we are lawfully processing it.
  • Request correction of the personal data that we hold about you. This enables you to have any incomplete or inaccurate data we hold about you corrected, though we may need to verify the accuracy of the new data you provide to us.
  • Request erasure of your personal data. This enables you to ask us to delete or remove personal data where there is no good reason for us continuing to process it. You also have the right to ask us to delete or remove your personal data where you have successfully exercised your right to object to processing (see below), where we may have processed your information unlawfully or where we are required to erase your personal data to comply with local law. Note, however, that we may not always be able to comply with your request of erasure for specific legal reasons which will be notified to you, if applicable, at the time of your request.
  • Object to processing of your personal data where we are relying on a legitimate interest (or those of a third party) and there is something about your particular situation which makes you want to object to processing on this ground as you feel it impacts on your fundamental rights and freedoms. You also have the right to object where we are processing your personal data for direct marketing purposes. In some cases, we may demonstrate that we have compelling legitimate grounds to process your information which override your rights and freedoms.
  • Request restriction of processing of your personal data. This enables you to ask us to suspend the processing of your personal data in the following scenarios: (a) if you want us to establish the data’s accuracy; (b) where our use of the data is unlawful but you do not want us to erase it; (c) where you need us to hold the data even if we no longer require it as you need it to establish, exercise or defend legal claims; or (d) you have objected to our use of your data but we need to verify whether we have overriding legitimate grounds to use it.
  • Request the transfer of your personal data to you or to a third party. We will provide to you, or a third party you have chosen, your personal data in a structured, commonly used, machine-readable format. Note that this right only applies to automated information which you initially provided consent for us to use or where we used the information to perform a contract with you.
  • Withdraw consent at any time where we are relying on consent to process your personal data. However, this will not affect the lawfulness of any processing carried out before you withdraw your consent. If you withdraw your consent, we may not be able to provide certain products or services to you. We will advise you if this is the case at the time you withdraw your consent.

If you wish to exercise any of the rights set out above, please email us at compliance@ramseylomax.co.uk

 

SUBJECT ACCESS REQUEST

You will not have to pay a fee to access your personal data (or to exercise any of the other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we may refuse to comply with your request in these circumstances.

We want to make sure that your personal information is accurate and up to date. You may ask us to correct or remove information you think is inaccurate. We will respond to your request within one month of receiving your request. We will inform you of the third parties to whom your data has been disclosed.

WHAT WE MAY NEED FROM YOU

We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information in relation to your request to speed up our response.

TIME LIMIT TO RESPOND

We try to respond to all legitimate requests within one month. Occasionally it may take us longer than a month if your request is particularly complex or you have made a number of requests. In this case, we will notify you and keep you updated.

The right to be informed encompasses our obligation to provide ‘fair processing information’, typically through a privacy notice. It emphasises the need for transparency over our uses of personal data.

The information we will supply relating to the processing of personal data must be:

  • Concise, transparent, intelligible and easily accessible;
  • Written in clear and plain language, particularly if addressed to a child; and
  • Free of charge.

The use of data, including how we protect and store data, will be made readily available to individuals through our privacy notice on our website.

What information must be supplied?

The below summarises the information we should supply to individuals and at what stage:

  • We need to provide full contact details of our firm (and where applicable, the controller’s representative) and the data protection officer;
  • We need to detail the purpose of the processing and the legal basis for the processing;
  • We need to include the legitimate interests of the controller or third party, where applicable;
  • List the categories of personal data;
  • We need to detail any recipient or categories of recipients of the personal data;
  • We need to include details of transfers to third country and safeguards;
  • We need to include our retention period or criteria used to determine the retention period;
  • We need to include the existence of each of data subject’s rights;
  • We need to inform the customer of their right to withdraw consent at any time, where relevant;
  • We need to inform the customer of their right to lodge a complaint with a supervisory authority;
  • We are to inform the customer of the source the personal data originates from and whether it came from publicly accessible sources;
  • Whether the provision of personal data part of a statutory or contractual requirement or obligation and possible consequences of failing to provide the personal data; and
  • We are to include the existence of automated decision making, including profiling and information about how decisions are made, the significance and the consequences.

The data subject shall have the right to obtain from the controller confirmation as to whether personal data concerning him or her are being processed, and, where that is the case, access to the personal data and the following information:

(a) the purposes of the processing;

(b) the categories of personal data concerned;

(c) the recipients or categories of recipient to whom the personal data have been or will be disclosed, in particular recipients in third countries or international organisations;

(d) where possible, the envisaged period for which the personal data will be stored, or, if not possible, the criteria used to determine that period;

(e) the existence of the right to request from the controller rectification or erasure of personal data or restriction of processing of personal data concerning the data subject or to object to such processing;

(f) the right to lodge a complaint with a supervisory authority;

(g) where the personal data are not collected from the data subject, any available information as to their source.

(h) Information on the existence of automated decision making, including profiling, and providing meaningful information about the logic involved as well as the significance and the envisaged consequences of such processing for the data subject.

Where personal data is transferred to a third country outside the EEA or to an international organisation, the data subject shall have the right to be informed of the appropriate safeguards pursuant to Article 46 relating to the transfer.

Such safeguards include:

A legally binding and enforceable instrument between public authorities or bodies; and

Binding corporate rules in accordance with Article 47.

When requested, the controller shall provide a copy of the personal data undergoing processing. For any further copies requested by the data subject, the controller may charge a reasonable fee based on administrative costs.

Where the data subject makes the request by electronic means, and unless otherwise requested by the data subject, the information shall be provided in a commonly used electronic form. The right to obtain a copy shall not adversely affect the rights and freedoms of others.

Under the DPA, individuals have a right to ‘block’ or suppress processing of personal data. The restriction of processing under the GDPR is similar, as detailed in Articles 18 (Right to restriction of processing) and 19 (Notification obligation regarding rectification or erasure of personal data or restriction of processing) respectively.

When processing is restricted, we are permitted to store the personal data, but not process it further. We can retain just enough information about the individual to ensure that the restriction is respected in future. This needs to be applied and communicated to each data processor where applicable and documented where appropriate.

When does the right to restrict processing apply?

We are required to restrict the processing of personal data in the following circumstances:

  • Where an individual contest the accuracy of the personal data, we should restrict the processing until we have verified the accuracy of the personal data. We would do this by asking the individual to confirm the information is correct and where required update accordingly.
  • Where an individual has objected to the processing (where it was necessary for the performance of a public interest task or purpose of legitimate interests), and we are considering whether our organisation’s legitimate grounds override those of the individual. This can only be confirmed by way of evidenced consent from the individual or for the purpose of criminal proceedings.
  • When processing is unlawful, and the individual opposes erasure and requests restriction instead, we are obliged to ensure this request is documented and the data collected is only used for the intent on which it was originally collected for, and not process it further.
  • If we no longer need the personal data but the individual requires the data to establish, exercise or defend a legal claim. We would ask the individual to submit a DSAR and release the data upon receipt and in accordance with the DSAR procedure.
  • We may need to review procedures to ensure we are able to determine where you may be required to restrict the processing of personal data.
  • If we have disclosed the personal data in question to third parties, we must inform them about the restriction on the processing of the personal data, unless it is impossible or involves disproportionate effort to do so. We must inform individuals when we decide to lift a restriction on processing.

Individuals have the right to object to:

  • Processing based on legitimate interests or the performance of a task in the public interest/exercise of official authority (including profiling);
  • Direct marketing (including profiling); and
  • Processing for purposes of scientific/historical research and statistics.

How to comply with the right to object?

If we process personal data for the performance of a legal task or our organisation’s legitimate interests Individuals must have an objection on “grounds relating to his or her particular situation”.

We must stop processing the personal data unless:

  • We can demonstrate compelling legitimate grounds for the processing, which override the interests, rights and freedoms of the individual; or
  • the processing is for the establishment, exercise or defence of legal claims.

We must inform individuals of their right to object “at the point of first communication” and in our privacy notice.

This must be “explicitly brought to the attention of the data subject and shall be presented clearly and separately from any other information”.

If we process personal data for direct marketing purposes

We must stop processing personal data for direct marketing purposes as soon as we receive an objection. There are no exemptions or grounds to refuse.

We must deal with an objection to processing for direct marketing at any time and free of charge.

We must inform individuals of their right to object “at the point of first communication” and in your privacy notice.

This must be “explicitly brought to the attention of the data subject and shall be presented clearly and separately from any other information”.

If we process personal data for research purposes

Individuals must have “grounds relating to his or her particular situation” in order to exercise their right to object to processing for research purposes.

If we are conducting research where the processing of personal data is necessary for the performance of a public interest task, we are not required to comply with an objection to the processing.

If our processing activities fall into any of the above categories and are carried out online:

We must offer a way for individuals to object online.

The following procedure is made available to every customer upon request and will feature on our website:

It is our aim to provide a very high standard of service to every customer and website user. If you are unhappy, for any reason, with the service we provide to you, we would welcome your feedback and the opportunity to put things right.

It is important to us that all complaints are resolved as quickly as possible to the complete satisfaction of our customers and that we learn from any complaints to further improve the quality of our service.

We take our customer feedback extremely seriously. It is often the case that complaints are a result off a misunderstanding. We would always ask that you give us the opportunity to deal with your feedback or complaint first, before taking further action as we find that in almost all cases our response meets our users and customers’ requirements.

STEP 1: Receiving your complaint

To register your complaint, we ask that you email complaints@ramseylomax.co.uk

To help us to investigate and resolve your concerns as quickly as possible, we request that you provide the following information:

  • Your full name and address and a daytime contact telephone number;
  • Full details of your complaint;
  • Your account details and any policy numbers as relevant;
  • Copies of any documents that you may think are relevant such as any emails that you have received.
  • Details of what you would like us to do to put things right.

If this is a complaint about an unwanted email then we kindly request that you do not delete the email but along with your complaint information, forward on the entire marketing email that you received to complaints@ramseylomax.co.uk. This will help us to resolve your complaint more quickly.

We will acknowledge receipt of your complaint within 3 working days but aim to have done so sooner.

If you have not received our acknowledgment, then we request that you call us or write to:

Complaints, Ramsey Lomax, United House, North Road, London, N7 9DP.

STEP 2: Initial Response:

Once we have acknowledged receipt of your complaint we will aim to have an initial response for you within 7 working days.

Complaints often occur as a result of a miss understanding so we hope that our initial response will bring the matter to a satisfactory conclusion.

STEP 3: Final Response

If you are unhappy with our initial response, we would request that you reply registering your dissatisfaction and detail what further action you would wish us to take.

We will then provide you with a final response within 4 weeks.

 

If you are not satisfied with our final response to your complaint:

You can visit: ICO Report a Concern for further information.

Information Commissioner’s Office (‘ICO’)

Wycliffe House

Water Lane

Wilmslow

Cheshire

SK9 5AF

Tel: 0303 123 1113 (local rate) or 01625 545 745 if you prefer to use a national rate number

Or visit the Financial Ombudsman Service for further information: http://www.financial-ombudsman.org.uk/

Or visit the FCA for additional information: https://www.fca.org.uk/consumers/how-complain

OUR FIRM MUST PROVIDE A COPY OF ALL THE PERSONAL DATA UNDERGOING PROCESSING, COMMONLY KNOWN AS A SUBJECT ACCESS REQUEST (‘SAR’), WHEN REQUESTED. IN CLEAR TERMS, A SUBJECT ACCESS ENABLES AN INDIVIDUAL TO FIND OUT WHAT PERSONAL DATA OUR FIRM HOLDS ABOUT THEM.  THIS MUST BE PROVIDED FREE OF CHARGE INITIALLY, HOWEVER, IN THE EVENT THAT ANY FURTHER COPIES ARE REQUESTED, WE MAY CHARGE A REASONABLE, ADMINISTRATIVE COST-FEE. IN THIS CONTEXT, EXCESSIVE OR IDENTICAL REQUESTS FOR A DATA SUBJECT’S DATA ARE CHARGEABLE, AS FAR AS IS REASONABLE FOR THE COST OUR FIRM INCURS. OUR FIRM MUST ENSURE THAT WHERE THE REQUEST IS MADE IN AN ELECTRONIC FORM, THE SUBJECT MUST RECEIVE THE REQUESTED INFORMATION IN AN ACCESSIBLE AND COMMONLY USED ELECTRONIC FORM.

In compliance to Recital 63 of the GDPR, we will endeavour (where possible) to provide a secure system that will grant the data subject direct access to his/her data, however, it must be duly noted that this is not a strict obligation.

Within the requested SAR, we will include:

  • The purpose of processing;
  • The categories of data processed;
  • The recipients, or categories of recipients (in particular, details of disclosure to recipients in third countries or to international organisations).
  • Our complaints escalation process

In addition to the above, we will include (where practicable):

  • The envisaged retention period [of the data], or if this is not possible, the criteria used to determine this period;
  • The individual’s rights of rectification or erasure, to restrict processing or to object to processing and to lodge a complaint to a supervisory authority;
  • Information regarding the source of the data (if not collected from the data subject); and
  • Any regulated automated decision taking (i.e. decisions taken solely on an automated basis and having legal or similar effects; also, automated decision taking involving sensitive data) – including information about the logic involved and the significance and envisaged consequences of the processing for the data subject.

If we do not comply with a SAR, we will provide reasons for not doing so.

We note that the data subject’s right to access to personal data, should not adversely affect the rights or freedoms of others, including trade secrets or intellectual property and in particular the copyright protecting the software. Where a processor such as ourselves processes a large quantity of information concerning the data subject, we will request that, before any information is delivered, the data subject specify the information or processing activities to which the request relates.

Our Subject Access Request policy featured on our website is as follows:

A Subject Access Request (SAR) was created under section 7 of the Data Protection Act.

It is most often used by individuals who want to see a copy of the information an organisation holds about them.

We have made the Subject Access Request process as simple and quick as possible and we do not charge a fee for this.

STEP 1: Submit Your Request

We ask that you submit your Subject Access Request via email to compliance@ramseylomax.co.uk

Please add ‘Subject Access Request’ into the subject line of the email.

If your SAR was prompted but receipt of an email we would kindly request that you also forward on the original email that you received along with your SAR. In certain circumstances we may not actually hold any personal data about you and indeed it may be a 3rd party marketing company that sent you the email and they hold personal details on you. We can still help with your SAR but receiving the original email that you received will help us to complete your SAR as quickly and as comprehensively as possible.

We will acknowledge receipt of your SAR within 3 working days but aim to have done so sooner. If you have not received our acknowledgment, then we request that you call us or write to:

SAR, Ramsey Lomax LTD, United House, North Road, London, N7 9DP.

STEP 2: Initial Response

Once we have acknowledged receipt of your SAR we will aim to have an initial response for you within 14 working days. This will be a full breakdown of what information we may hold about you, including your consent details.

STEP 3: Final Response

If you are unhappy with our initial response, we would request that you reply registering your dissatisfaction and detail what further action you would wish us to take.

We will then provide you with a final response within 4 weeks.

If you are not satisfied with our final response to your SAR we would request that you make your dissatisfaction known via our complaints procedure:

To make a complaint to the information commissioner’s office:

You can visit: ICO Report a Concern for further information.

Information Commissioner’s Office (‘ICO’)

Wycliffe House

Water Lane

Wilmslow

Cheshire

SK9 5AF

Tel: 0303 123 1113 (local rate) or 01625 545 745 if you prefer to use a national rate number

Where cookies are used to identify an individual, this will be deemed personal data under GDPR. Cookies can give a significant insight into the user’s activity and preferences.

Consequently, where the firm undertake any online tracking, this can only be conducted upon the consent of the user. This consent is subject to the same rules surrounding the processing of personal data. Our cookie policy will provide a transparent explanation of what cookies are, how we will use them and for what purpose.

We are aware that any unnecessary processing of cookies, such as analytics or sharing with third-parties, requires explicit consent from the individual. We will inform the user that they may withdraw consent at any time.

We will record evidence of consent internally, for audit purposes.

 

What are Cookies?

Cookies are small text files that are placed on your computer by websites that you visit. They are widely used in order to make websites work, or work more efficiently, as well as to provide information to the owners of the site. They are used for a wide variety of purposes such as website analytics – counting visitors and their behaviour, targeted advertising, recording user preferences or for authentication.

Cookies used by this website:

This site uses specific types of cookie and can be individually categorized as a ‘Persistent Cookies’ and ‘First Party Cookies’.

First Party Cookies

First party cookies are cookies that are set by the site itself and can only be read by this site. They are commonly used for the functionality of the site (e.g. shopping cart). This doesn’t imply that these cookies are allowed by EU law.

The table below explains the cookies we use and why.

Cookie NamePurposeExpiresCookie Type:
Google AnalyticsThis is a tool, provided by google that allows us to analyse the users experience within our website90 Days 
Social Sharing IconsWe use some social sharing plugins, to allow you to share certain pages of our website on social media. These plugins place cookies so that you can correctly view how many times a page has been shared.90 Days 
FacebookThis cookie allows Facebook to identify which users of our website have come from Facebook. The cookie does not capture personal information but may capture certain identifiers that will allow for more targeted advertising by Koypo Laboratories and Facebook.30 Days 
VimeoThis cookie is placed by Vimeo to help with the performance of providing video content on our website.90 Days 
Google AdwordsThis cookie allows Google to identify which users of our website have come from the Google advertising platform, search engine and publishers. The cookie does not capture personal information but may capture certain identifiers that will allow for more targeted advertising by Koypo Laboratories and Google.30 Days 
YouTube

This cookie is placed by YouTube to help with the performance of providing video content on our website.

This cookie allows YouTube to identify which users of our website have come from the YouTube advertising platform, search engine and publishers. The cookie does not capture personal information but may capture certain identifiers that will allow for more targeted advertising by Koypo Laboratories and YouTube.

90 Days 

 

Consent to our use of cookies

For us to analyse, improve and understand how individuals use our service we must first obtain your express consent to store specific cookies on your computer or device.

We aim to obtain consent by displaying a ‘Cookie Banner’ which will ask for your express consent. If you do not wish to store cookies you have the option to reject the request by selecting ‘No’ on the banner. For more information on controlling or removing cookies please refer to the end of this Policy.

How to opt-out of our cookies

You can withdraw consent from our use of cookies at any time, by clicking On the cookie banner on any page of the website.

Our Privacy Policy

Please refer to our Privacy Policy for more information on how we collect and use your data, including our legal basis for collection and information pertaining to your rights under the General Data Protection Regulations (GDPR). 

How to control cookies

Please look below for instruction on how to control cookies for the internet browser you use.

Google Chrome

Click on the “Tools” menu and select “Options”. Click the “Under the Bonnet” tab and locate the “Privacy” section and choose the “Content settings” button. Click the “Cookie settings” tab and choose your preferred settings. Google Chrome allows all cookies by default, but you can restrict the behaviour of first-party and third-party cookies or even block them completely. Click on the Close button when you’ve finished.

Internet Explorer 8.0

Choose Tools and then Internet Options Click the Privacy tab Move the slider to choose your preferred settings. For more specialised cookie settings click on Advanced, check the ‘Override cookie handling’ button and modify the settings to suit your requirements.

Internet Explorer 7.0 & 6.0

Choose Tools and then Internet Options Click the Privacy tab Move the slider to choose your preferred settings. The default setting is medium, and the menu allows you to select the level of “filtering” on the basis of (a) the source of the cookie and (b) whether the source has a privacy policy. For more specialised cookie settings click on Advanced

Internet Explorer 5.0

Choose Tools and then Internet Options Click the Security tab Select Internet, then Custom Level Choose one of the options

Internet Explorer 4.0

Choose View and then Internet Options Click the Advanced tab Scroll down to the yellow exclamation icon under Security and choose one of the three options (accept or reject cookies or warn before accepting cookies).

Internet Explorer 3.0

Choose View, then Options and Advanced. You can click on the Warn Before Accepting Cookies command.

AOL 9.0

From the AOL Toolbar, select Settings Select Internet [Web] Options Select Use your Internet Explorer Settings to set advanced browser options Select the Privacy tab Select Advanced Deselect override automatic cookie handling button Click OK to exit.

AOL 8.0 & AOL 7.0 with IE 6.x

From the AOL Toolbar, select Settings Select Preferences Select Internet Properties (WWW) Select the Privacy tab Select Advanced Deselect override automatic cookie handling button Click OK to exit.

Mozilla

Choose Preferences from the Edit menu. Select Privacy & Security, then select Cookies. Choose your preferred settings.

Mozilla Firebird 0.7 & Mozilla Firefox 1.0

Click on Tools, then Options Select the Privacy icon in the left-hand panel Click on Cookies. Choose your preferred settings.

Mozilla Firefox 1.5

Click on Tools, then Options (or Edit | Preferences on Linux) Select the Privacy icon in the left-hand panel Click on Cookies. Choose your preferred settings (You can configure which sites are allowed to set cookies, how long to keep them for, and view and manage your existing cookies.).

Mozilla Firefox 2.0

Click on Tools, then Options (or Edit | Preferences on Linux) Select the Privacy icon in the left-hand panel Click on Cookies. Choose your preferred settings. Note that the option to block third-party cookies has been removed from Firefox 2’s user interface. Firefox 2 users who wish to limit allowed cookies to those set by the originating website can use about:config to modify the preference network.cookie.cookieBehavior to “1″. To modify this property simply type “about:config” (without quotes) in the Location Bar, press Enter and modify the value in the resulting page. Other options for the network.cookie.cookieBehavior preference are set out below: “0″  All cookies are allowed. (Default) “1″  Only cookies from the originating server are allowed. “2″ No cookies are allowed.

Mozilla Firefox 3.0

Click on Tools, then Options (or Edit | Preferences on Linux) Select Privacy Select Cookies. Choose your preferred settings (You can configure which sites are allowed to set cookies, how long to keep them for, and view and manage your existing cookies.).

Netscape Navigator 7 & Netscape Navigator 6

Choose Preferences from the Edit menu. Select Privacy & Security, then select Cookies. Choose your preferred settings.

Netscape Navigator 4

Go to the task bar and click Edit. Click Preferences and Advanced, and then choose your options in the Cookies box.

Deepnet Explorer

Click on Tools Then select Cookie Manager. Here you will be able to access various aspects of the Cookie Manager.

Deepnet Explorer 1.1+

Choose Clean up from the Tools menu Choose Clear Cookies All cookies will be removed.

Deepnet Explorer 1.5.3 (BETA 3)

Choose Tools Click on Web Browser Options Cookie Filter gives you control over the black and white list and the Cookie Manager gives you information about all the cookies on your PC.

Opera (Windows and UNIX)

Go to Tools in the main menu Go to Preferences at the bottom of the File menu (or press Alt+P to access them directly). Click Privacy and select one of the available options. In addition to choosing different settings for first-party (“normal”) and third-party cookies, you may edit cookie settings on a domain/server basis or even edit individual cookies by clicking the “Manage cookies” button.

Apple Macintosh

Internet Explorer 5 (MacOS X)

Choose Preferences from Explorer menu Select Receiving Files Options Select Cookies Choose your preferred settings

Internet Explorer 5 (MacOS 9)

Choose Preferences from Edit menu Select Receiving Files options Select Cookies Choose your preferred settings

Mozilla, Netscape Navigator 7 & Netscape Navigator 6

Choose Preferences from the Edit menu. Select Privacy & Security, then select Cookies. Choose your preferred settings.

Safari 1.0 (MacOS X)

Choose Preferences from Safari menu Select Security icon Cookie settings are shown in window Choose your preferred settings

Opera

Go to Opera in the main menu and select Preferences (or press Alt+P to access them directly) Select Privacy In addition to choosing different settings for first-party (normal) and third-party cookies, you may edit cookie settings on a domain/server basis or even edit individual cookies by clicking the Manage cookies button.

How to delete cookies…

Please look below for instruction on how to delete cookies for the internet browser you use.

Windows

Google Chrome

Click on the “Tools” menu and select “Options”.
Click the “Under the Bonnet” tab, locate the “Privacy” section and click the “Clear browsing data” button.
Select “Delete cookies and other site data” to delete all cookies from the list (alternatively, you can remove all cookies created within a specific time period by selecting the period you want from the dropdown list).
Select “Clear browsing history” to delete traces of which websites you’ve visited.
Select “Clear download history” to delete records of which files and programs you’ve downloaded.
Select “Empty the cache” to delete cached website pages.
You can also delete saved passwords (which log you into websites) and saved form data (such as your name and address).
Then click on the “Clear browsing data” button.
Click on the Close button when you’ve finished.

Internet Explorer 9

Open Internet explorer window
Click the “Tools” button
Point to “safety” and then click “delete browsing history”
Tick the “cookies” box, then click “delete”

Internet Explorer 8

Click “Safety” on the Command bar
Select “Delete Browsing History”
Select the option for cookies and click Delete

Alternatively, Internet Explorer 8’s new InPrivate browsing feature allows users to browse the internet without recording information from visited sites (including cookies). To use InPrivate mode:

Click “Safety” on the Command bar
Select “InPrivate Browsing”

Internet Explorer 7.x

Exit Internet Explorer 7, and then exit any instances of Windows Explorer
Click Start, click Run, type inetcpl.cpl, and then press ENTER
On the General tab, click Delete under Browsing History in the Internet Properties dialog box
In the Delete Browsing History dialog box, click Delete Cookies
In the Delete Cookies dialog box, click Yes.

Internet Explorer (all other versions)

Internet Explorer saves cookies in more than one location, depending on the version of the browser and the version of Microsoft Windows being used.

The best way to find and delete them is to close Internet Explorer then use your file management software (such as Windows Explorer) and search for a folder called ‘cookies’.

AOL 8 and AOL 9

Sign on and select Settings from the toolbar.
Version 9.0 users should select the By Category tab and click the Internet [Web] Options link, while for Version 8.0 and below click Internet Properties (WWW).
Click Settings.
Note: Windows Vista will see more than one Settings button. Click the button in the Browsing history section.
Click View Files. Your list of cookies (plus your other temporary internet files) will be displayed.
If you wish to delete any of the cookies or files, right-click on them and choose Delete.

Mozilla

Choose Cookie Manager from the Tools menu.
Choose Manage Stored Cookies.
Remove any cookie from the list or remove all cookies.

Mozilla Firebird

Click on Tools, then Options
Select the Privacy icon in the left-hand panel
Click on Cookies
Click on Stored Cookies
To remove a single cookie click on the entry in the list and click on the Remove Cookie button
To remove all cookies click on the Remove All Cookies button

Mozilla Firefox

Click on Tools, then Options (or Edit | Preferences on Linux)
Select Privacy
In the Cookies panel, click on Show Cookies
To remove a single cookie click on the entry in the list and click on the Remove Cookie button
To remove all cookies click on the Remove All Cookies button

Netscape Navigator 7.x &Netscape Navigator 6.x

Choose Cookie Manager from the Tools menu.
Choose Manage Stored Cookies.
Remove any cookie from the list or remove all cookies.

Netscape Navigator 4.x

In Netscape, all cookies are stored into one file, called Cookies.txt, in the user preferences folder, making them easy to find and delete. The folder can be located by using your file management software to search your hard disk drive for “cookies.txt”.

Users of Netscape Navigator 4.x may also stop cookies from being written to the hard drive, by making the cookies file read only. However, even if the browser can’t “write” cookies to the hard drive, it can still cache them, and it may create a new cookie file.

Opera

To delete all cookies at the end of every session, select it in the privacy settings under Tools > Preferences.
Click on Manage cookies to delete specific cookies or cookies from specific domains.

To delete all cookies immediately, go to Delete private data on the Tools menu.

Deepnet Explorer 1.1+

Choose Tools and then Internet Options
Click the Privacy tab
Move the slider to choose your preferred settings.

Apple Macintosh

Microsoft Internet Explorer 5 (MacOS X)

Choose Preferences from Explorer menu
Select Receiving Files options
Select Cookies
Select the Cookies to be deleted from the list
Press Delete button

Microsoft Internet Explorer 5 (MacOS 9)

Choose Preferences from Edit menu
Select Receiving Files options
Select Cookies
Select the Cookies to be deleted from the list
Press Delete button

Mozilla

Choose Cookie Manager from the Tools menu.
Choose Manage Stored Cookies.
Remove any cookie from the list or remove all cookies.

Netscape Navigator 7.x

Choose Cookie Manager from the Tools menu.
Choose Manage Stored Cookies.
Remove any cookie from the list or remove all cookies.

Netscape Navigator 6.x

Choose Cookie Manager from the Tools menu.
Choose Manage Stored Cookies.
Remove any cookie from the list or remove all cookies.

Safari 1.0 (MacOS X)

Choose Preferences from Safari menu
Select Security icon
Press Show Cookies button
Select the Cookies to be deleted from the list
Press Delete button

Opera

To delete all cookies at the end of every session, select it in the privacy settings under Opera > Preferences
Click on Manage cookies to delete specific cookies or cookies from specific domains.

To delete all cookies immediately, go to Delete private data on the Tools menu.

Other

WebTV

From the Home page, select Help
Select Utilities Tool
Select Reset Cookies
Power off the WebTV for 60 seconds
Cookies should be deleted when you turn the WebTV back on again

MSNTV2

From the Home page, select Settings
Select Web Appearance and Security
Select Delete Cookies