Introduction
Introduction At Grocred we are dedicated to protecting your privacy and handling your personal data in a transparent and secure manner. This Privacy Policy explains how we collect, use, disclose, and protect your information when you use our e-commerce platform and services.
Information We Collect
We may collect and process the following types of personal information:
- Personal Identifiers: Name, email address, phone number, and residential address
- Financial Information: Bank account details or debit card information for payment processing
- Transaction Data: Details about purchases made through our platform
- Usage Data: Information about how you use our website and services
- Feedback and Communication: Any feedback, questions, or communications you send to us.
How We Use Your Information
We use your personal information for the following purposes:
- Service Delivery: To provide, maintain, and improve our services, including processing transactions and delivering orders.
- Customer Support: To communicate with you, respond to your inquiries, and provide customer support
- Personalization: To personalize your experience and provide content and product offerings tailored to your interests
- Credit Reporting: To report your purchase and payment activities to TransUnion to help build your credit score.
- Legal Compliance: To comply with legal obligations and regulations.
- Analysis and Improvement: To analyze usage trends and preferences to enhance our services.
Sharing Your Information
We may share your personal information in the following circumstances:
- Service Providers: With third-party service providers who assist us in operating our platform and delivering services (e.g., payment processors, delivery services).
- Credit Bureau: With TransUnion, our credit reporting partner, to report credit-building activities as outlined in our terms. To read more about how TransUnion process your data click here: https://www.transunion.co.uk/legal/privacy-centre/pc-credit-reference
- Legal Requirements: In response to legal requests or to comply with applicable laws and regulations.
- Business Transfers: In the event of a merger, acquisition, or sale of assets, your personal information may be transferred to the acquiring entity.
- With Your Consent: With your explicit consent or at your direction.
- Analysis and Improvement: To analyze usage trends and preferences to enhance our services.
Customer’s data will not be transferred outside of the EEA
Sharing Data with TransUnion
In order to process your application we will supply your personal information to credit reference agencies (CRAs) and they will give us information about you, such as about your financial history. We do this to assess creditworthiness and product suitability, check your identity, manage your account, trace and recover debts and prevent criminal activity. We will also continue to exchange information about you with CRAs on an ongoing basis, including about your settled accounts and any debts not fully repaid on time. CRAs will share your information with other organisations. Your data will also be linked to the data of your spouse, any joint applicants or other financial Associates. The identities of the CRAs, and the ways in which they use and share personal information, are explained in more detail at https://www.transunion.co.uk/legal/privacy-centre/pc-credit-reference
Information Security
We use strong technologies and policies to safeguard your personal information from accidental loss, unauthorized access or usage, alteration, or disclosure. In case of any data breach, we have put in place proper procedures to handle it, and we will inform you and any relevant regulatory bodies where we are legally obligated to do so. To create an account on, users sign up with Grocred a UK phone number and email address, and authenticate through a one-time password (OTP). Please do not share your OTP to prevent any unauthorized access to your account.
Your Data Protection Rights
You have the right to access, correct, or delete your personal information. You may also opt-out of receiving marketing communications from Grocred. Please contact our customer service team through support@grocred.com to exercise these rights.
Cookies and Tracking Technologies
Cookies and Tracking Technologies We use cookies and similar tracking technologies to enhance your browsing experience and analyze usage patterns on our platform. You can manage cookies through your browser settings or by opting out where applicable.
Children's Privacy
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child without parental consent, we will take steps to delete it
Changes to This Privacy Policy
We update this privacy policy periodically, so please do check back every now and again in case anything has changed. When appropriate, we may notify you of updates made to this policy by email or push notification.
Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or our handling of your personal information, please contact us at: Grocred Customer Service
Email: support@grocred.com
Phone: 07753315726
Consent
By using Grocred‘s platform and services, you consent to the collection, use, and disclosure of your personal information as described in this Privacy Policy.