Privacy policy

This website is operated by OG Exclusives London Ltd and whose registered address is Crossways School Road, Charing, Ashford, Kent, TN27 0JN (“We”) are committed to protecting and preserving the privacy of our visitors when visiting our site or communicating electronically with us.

This policy sets out how we process any personal data we collect from you or that you provide to us through our website. We confirm that we take your privacy very seriously and will keep your information secure and that we will comply fully with all applicable United Kingdom Data Protection legislation and regulations and we are responsible as 'controller' of that Personal Information for the purposes of those Laws. Please read the following carefully to understand what happens to personal data that you choose to provide to us, or that we collect from you when you visit this site. By visiting https://grademobile.co.uk or any of our subdomains (our websites) you are accepting and consenting to the practices described in this policy.

TYPES OF INFORMATION WE COLLECT

We may collect, store and use the following kinds of personal information about individuals who visit and use our website:

Information you supply to us. 

You may supply us with information about you by filling in forms on our website. This includes information you provide when you submit a contact/enquiry form or create an order. The information you give us may include your name, address, e-mail address, phone number and date of birth.

Information our website automatically collects about you. 

With regard to each of your visits to our website we may automatically collect information including the following:

• technical information, including a truncated and anonymised version of your Internet protocol (IP) address, browser type and version, operating system and platform;
• information about your visit, including what pages you visit, how long you are on the site, how you got to the site (including date and time); page response times, length of visit, what you click on, documents downloaded and download errors.

We use third party tracking services such as Google Analytics, Microsoft Clarity and Facebook Pixel to help use understand how our visitors use our website to help us improve and understand their needs.

Cookies

Our website uses cookies to distinguish you from other users of our website. This helps us to provide you with a good experience when you browse our website and also allows us to improve our site. For detailed information on the cookies we use and the purposes for which we use them see our Cookie Policy.

HOW WE MAY USE THE INFORMATION WE COLLECT

Under data protection law, we can only use your personal information if we have a proper reason for doing so. In order to use your personal information, we rely on the following legal bases:

• Processing is necessary for the performance of the products and/or services we provide to you;
• Processing is necessary for the purposes of legitimate business interests pursued by us (including, for example, improving products and/or services we offer);
• Processing is necessary for compliance with a legal obligation to which we are subject (including where undertaking customer due diligence checks for Anti-money Laundering and Fraud purposes);
• Processing is necessary for compliance with a legal obligation to perform a specific task in the public interest (including for example, assisting with detecting and preventing fraud, tax evasion and financial crime, or to safeguard the interests of vulnerable customers. 

Generally, we do not rely on consent as a legal basis for processing your Personal Information other than in relation to sending third party direct marketing communications to you via email or text message. You have the right to withdraw consent to marketing at any time by contacting us (see ‘How to contact us’ below). 

Information you supply to us. 

We collect and use this information in order to:

• to provide you with information and/or services that you request from us;
• to provide marketing material, news and updates about our services if you have requested to receive such information
• update customer records
• prevent unauthorised access and modification to our systems
• provide you with the understanding and support you require when taking out a product and/or service
• undertake statisticial analysis to help us manage our business such as financial performance, client base and work type.

Who we share your personal information with

We routinely share Personal Information with:

• companies within the OG Exclusives Limited group;
• third parties we use to help deliver our products and/or services to you;
• other third parties we use to help us run our business, eg marketing agencies or website hosts;
• third parties approved by you, eg for Mobile Management Solutions
• customer due diligence providers, eg for ID verification
• credit reference agencies; and
• our insurers, brokers and other professional advisers.

We only allow our service providers to handle your Personal Information if we are satisfied they take appropriate security measures to protect your Personal Information. We may be obliged to disclose and/or exchange information with law enforcement agencies and regulatory bodies, or another third party where such disclosure is required to comply with our legal and regulatory obligations. We will make information available if it is deemed reasonable for the purposes of protecting ourselves or our customers against fraud.

We may also need to share some Personal Information with other parties, such as potential buyers of some or all of our business or during a re-structuring. Usually, information will be anonymised but this may not always be possible. The recipient of the information will be bound by confidentiality obligations. 

Information we automatically collect about you. 

We will use this information:

• to administer our site including troubleshooting and statistical purposes;
• to improve our site to ensure that content is presented in the most effective manner for you and for your computer;
• security and debugging as part of our efforts to keep our site safe and secure.
• to capture how our customers engage with our website to make improvements 

This information is collected anonymously and is not linked to information that identifies you as an individual.

DISCLOSURE OF INFORMATION

Any information you provide to us will either be emailed directly to us or may be stored on a secure server. We use a trusted third party website and hosting provider to facilitate the running and management of this website. Our hosting provider meet high data protection and security standards and are bound by contract to keep any information they process on our behalf confidential. Any data that may be collected through this website that they process, is kept secure and only processed in the manner we instruct them to. Our hosting provider cannot access, provide, rectify or delete any data that they store on our behalf without permission.

We do not rent, sell or share personal information about you with other people or non-affiliated companies. 

We will use all reasonable efforts to ensure that your personal data is not disclosed to regional/national institutions and authorities, unless required by law or other regulations.

Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.

SERVICE REVIEW INVITATIONS

Our site may, from time to time, send you a service request questionnaire to see how we did and how we can improve our service. This feedback is completely confidential, optional to complete and no personal information is collected that could identify you. By placing an order with us, you consent for us to use the email address provided with your order to send you a review invitation. 

THIRD PARTY SERVICES

Credit Reference Agencies - Our Credit Check

In order to process your application, we will perform credit and identity checks on you with one or more credit reference agencies (“CRAs”). Where you take banking services from us we may also make periodic searches at CRAs to manage your account with us.

To do this, we will supply your personal information to CRAs and they will give us information about you. This will include information from your credit application and about your financial situation and financial history. CRAs will supply to us both public (including the electoral register) and shared credit, financial situation and financial history information and fraud prevention information.

We will use this information to:

• Assess your creditworthiness and whether you can afford to take the product;
• Verify the accuracy of the data you have provided to us;
• Prevent criminal activity, fraud and money laundering;
• Manage your account(s);
• Trace and recover debts; and
• Ensure any offers provided to you are appropriate to your circumstances.

We will continue to exchange information about you with CRAs while you have a relationship with us. We will also inform the CRAs about your settled accounts. If you borrow and do not repay in full and on time, CRAs will record the outstanding debt. This information may be supplied to other organisations by CRAs.

When CRAs receive a search from us they will place a search footprint on your credit file that may be seen by other lenders.

If you are making a joint application, or tell us that you have a spouse or financial associate, we will link your records together, so you should make sure you discuss this with them, and share with them this information, before lodging the application. CRAs will also link your records together and these links will remain on your and their files until such time as you or your partner successfully files for a disassociation with the CRAs to break that link.

The identities of the CRAs, their role also as fraud prevention agencies, the data they hold, the ways in which they use and share personal information, data retention periods and your data protection rights with the CRAs are explained in more detail at:

Equifax
www.equifax.co.uk/crain 
https://www.equifax.co.uk/About-us/Privacy_policy.html 

TransUnion
https://www.transunion.co.uk/crain 
http://www.TransUnion.co.uk/legal-information/bureau-privacy-notice 

Experian
https://www.experian.co.uk/crain 
https://experian.co.uk/consumer/privacy.htm

Open Banking Verification - TrueLayer

We have partnered with TrueLayer to provide a security service to better protect against fraudulent transactions and verify customer information provided to us. To find out more about how TrueLayer uses your data, visit https://truelayer.com/legal/privacy/

Know your customer verification - Veriff

We partner with Veriff to provide a reliable platform to screen customers who are take out a Hire Agreement. We use this information to comply with KYC legislation and to help protect against fraudulent transactions. To find out more about how Veriff uses your data, visit https://www.veriff.com/privacy-notice.

Google Analytics

We partner with Google Analytics and Google Ads to capture how you use and interact with our website through click events and website navigation. We use first and third party cookies and other tracking technologies to improve and market our products/services. Find out how Google uses your data at https://support.google.com/analytics/answer/6004245. 

Microsoft Clarity

We partner with Microsoft Clarity and Microsoft Advertising to capture how you use and interact with our website through behavioral metrics, heatmaps, and session replay to improve and market our products/services. Website usage data is captured using first and third-party cookies and other tracking technologies to determine the popularity of products/services and online activity. Additionally, we use this information for site optimization, fraud/security purposes, and advertising. For more information about how Microsoft collects and uses your data, visit the Microsoft Privacy Statement.

Third party links

Our site may, from time to time, contain links to and from the third party websites. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.

HOW LONG YOUR PERSONAL INFORMATION IS KEPT

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

Any personal data that we have collected and processed about you will be retained in accordance with the retention periods set out in OG’s data retention schedule. To determine the appropriate retention period for your Personal Information, we consider the amount, nature, and sensitivity of the Personal Information, the potential risk of harm from unauthorised use or disclosure of your Personal Information, the purposes for which we process your Personal Information and whether we can achieve those purposes through other means, and the applicable legal and regulatory requirements. 

When it is no longer necessary to retain your Personal Information, we will anonymise it and either delete it, or put it beyond use where it is not technically possible to delete it. Even if you don’t sign up with OG, we will continue to hold personal information about you to enable us to comply with our legal and regulatory obligations, and to assist us in the prevention and detection of fraud. 

TRANSFERRING YOUR PERSONAL INFORMATION OUT OF THE UK

We may transfer Personal Information that we collect from you to third party data processors, vendors or hosting partners acting on our behalf located in countries outside of the UK, such as the US and European Economic Area (“EEA”), or to other entities in our group of companies in connection with the purposes set out above. Where this is the case, OG will put in place adequate safeguards (by way of standard contractual clauses) in order to protect your personal data in accordance with the applicable data protection legislation. If you would like further information please contact us (see ‘How to contact us’ below). 

YOUR RIGHTS

You have the following rights, which you can exercise free of charge:

• Access: The right to be provided with a copy of your Personal Information (the right of access).
• Rectification: The right to require us to correct any mistakes in your Personal Information.
• Erasure: The right to require us to delete your Personal Information – in certain situations. For legal reasons we are not always able to do so. There may be times when we continue to use your personal data when we say it’s in our ‘legitimate interest’.
• Restriction of processing: The right to require us to restrict processing of your Personal Information – in certain circumstances, e.g. if you contest the accuracy of the data.
• Data portability: The right to receive the Personal Information you provided to us, in a structured, commonly used and machine-readable format and/or transmit that data to a third party – in certain situations.
• To object: The right to object, at any time to your Personal Information being processed for direct marketing (including profiling); or in certain other situations to our continued processing of your Personal Information, e.g. processing carried out for the purpose of our legitimate interests. 
• Not to be subject to automated individual decision-making: The right not to be subject to a decision based solely on automated processing (including profiling) that produces legal effects concerning you or similarly significantly affects you.
• Withdraw consent: The right to withdraw your consent to us processing your Personal Information at any time if our processing is based on your consent.

For further information on each of those rights, including the circumstances in which they apply, please contact us or see the Guidance from the UK Information Commissioner’s Office (ICO) on individuals’ rights under the General Data Protection Regulation. If you would like to exercise any of those rights, please:

• email, call or write to us – see below: ‘How to contact us’; and
• let us have enough information to identify you (eg your full name, address and customer or matter reference number);
• let us have proof of your identity and address (a copy of your driving licence or passport and a recent utility or credit card bill); and
• let us know what right you want to exercise and the information to which your request relates. 

KEEPING YOUR PERSONAL INFORMATION SECURE 

We have appropriate security measures in place to prevent Personal Information from being accidentally lost, destroyed, used or accessed unlawfully.

These measures are reviewed on an ongoing basis. We make every effort to ensure your Personal Information is protected and have robust procedures in place to deal with any data breach.

We cannot accept responsibility for any unauthorised access or loss of personal information that is beyond our control.

We will never ask you for personal information or account information by an unsolicited means of communication. If you are in any doubt, please contact us using the information found under "CONTACT US". 

RIGHT TO COMPLAIN

 We hope that we can resolve any query or concern you may raise about how we use your information. Please email us at complaints@grademobile.co.uk and we will endeavour to resolve the compliant promptly.

If you are still not satisfied, you also have the right to lodge a complaint with the UK Supervisory Authority, Information Commissioners Office (ICO) who may be contact at https://ico.org.uk/concerns or telephone: 0303 123 1133. For more information, please visit their website, www.ico.org.uk.

CHANGES TO OUR PRIVACY POLICY

We may update this policy for example, where a change to the regulation requires us to do so. Whenever we make a change, we will post this on our website and let you know if there is a material change. We encourage you to check our website from time to time to keep informed of any changes.

The privacy policy and cookies policy were last updated October 2024.

HOW TO CONTACT US

Questions, comments and requests regarding this privacy policy or the information we hold about you are welcomed, please contact us by post, email or telephone. Our contact details are shown below: