Website Terms of Use

We may update these Terms at any time. You should review these Terms every time you visit this site to check for any amendments, because they are binding on you.

If you continue to use this Website after the date on which the change comes into effect, your use of the Website indicates your agreement to be bound by the new Terms.

Unless otherwise indicated, our products and services are only available to UK residents who access this Website from within the UK.

If you use this Website to apply for insurance, you confirm that you are over 17 years old and are not impersonating another person.

We aim to offer very competitive insurance but not everybody will be eligible to take out some of our insurance products. We reserve the right to refuse to offer you a quote if you are not eligible for the selected insurance product.

You are permitted to print and download extracts from this Website provided that:

• no documents or related graphics on this Website are modified in any way;
• no graphics on this Website are used separately from accompanying text; and
• our copyright notice and this permission notice appear in all copies.

Unless otherwise stated, the copyright and other intellectual property rights in all material on this Website (including, without limitation, photographs and graphic images) are owned by us or our licensors. For the purposes of these Terms, any use of extracts from this Website other than in accordance with the provisions above for any purpose is prohibited. If you breach any of the Terms, your permission to use this Website automatically terminates and you must immediately destroy any downloaded or printed extracts from this Website.

Subject to the above provisions, no part of this Website may be reproduced or stored in any other website or included in any public or private electronic retrieval system or service without our prior written permission.

Any rights so expressly granted in these Terms are reserved.

While we endeavour to ensure that this Website is available 24 hours a day, we will not be liable if for any reason this Website is unavailable at any time or for any period.

Access to this Website may be suspended temporarily and without notice in the case of system failure, maintenance or repair or for reasons beyond our control.

Other than personally identifiable information, any material you transmit or post to this Website will be considered non-confidential and non-proprietary. We will have no obligations with respect to such material. We will be free to copy, disclose, distribute, incorporate and otherwise use such material and/or data, images, sounds, text and other things embodied therein for any and all commercial or non-commercial purposes.

You are prohibited from posting or transmitting to or from this Website anything:

• that is threatening, defamatory, obscene, indecent, seditious, offensive, pornographic, abusive, liable to incite racial hatred, discriminatory, menacing, scandalous, inflammatory, blasphemous, in breach of confidence, in breach of privacy, or which may cause annoyance or inconvenience;
• for which you have not obtained all necessary licences and/or approval;
• which constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law of or infringe the rights of any third party, in the UK or any other country in the world; or
• which is technically harmful (including, without limitation, computer viruses, logic bombs, worms, harmful components, corrupted data or other malicious software or harmful data).

You may not misuse the Website (including, without limitation, by hacking).

Links to third party websites on this Website are provided solely for your convenience. If you use these links, you will leave this Website. We have not reviewed all of these third party websites and we do not control and are not responsible for these websites or their contents. Therefore, we do not endorse or make any representations about them, or any material found there, or any result that may be obtained from using them. If you decide to access any of the third party websites linked to this Website, you do so entirely at your own risk.

If you would like to link to this Website, you may only do so on the basis that you link to, but do not replicate, the home page of this Website, and subject to the following conditions:

• you do not remove, distort or otherwise alter the size or appearance of our logo;
• you do not create a frame or any other browser or border environment around this Website;
• you do not in any way imply that we are endorsing any products or services other than its own;
• you do not misrepresent your relationship with us nor present any other false information about us;
• you do not otherwise use any of our trade marks displayed on this Website without express written permission from us;
• you do not link from a website which is not owned by you; and
• your website does not contain content that is distasteful, offensive or controversial, infringes any intellectual property rights or other rights of any other person or otherwise does not comply with applicable laws and regulations.

We expressly reserve the right to revoke the rights granted above for breach of these Terms and to take any action we deem appropriate.

You shall fully indemnify us for any loss or damage suffered by us or any of our group companies for breach of the above provisions.

While we endeavour to ensure that the information on this Website is correct, we do not warrant the accuracy and completeness of the material on this Website. We may make changes to the material on this Website, or to the products and prices described in it, at any time without notice, the material on this Website may be out of date, and we make no commitment to update such material.

The material on this Website is provided on a "as is" basis without any conditions, warranties or other terms of any kind. Accordingly, to the maximum extent permitted by law, we provide you with this Website on the basis that we exclude all representations, warranties, conditions and other terms, (including, without limitation, the conditions implied by law of satisfactory quality, fitness for purpose and the use of reasonable care and skill) which but for this legal notice might have effect in relation to this Website.

The following “Exclusion of Liability” statement should be read carefully as this explains the exclusions and limitations of our liability arising from your use of this website.

While care has been taken to ensure that the contents of this website are both accurate and complete we and any other party (whether or not involved in creating, producing, maintaining or delivering this Website) accept no liability or responsibility in tort (including without limitation, negligence, contract or otherwise) for any amount or kind of loss or damage which may result to you or a third party including and without limitation to any;

• direct, indirect, punitive or consequential loss or damages
• loss of income, profits, goodwill, data, contracts, use of money,
• loss or damage arising from or in connection in any way to business interruption,

Access and use of this Website is at your own risk. We do not accept liability or responsibility or otherwise which may result in your inability to use the Website functionality; neither do we warrant that the use of this Website or any material downloaded from it will not cause damage to any property or otherwise minimise or eliminate the inherent risks of the internet or websites linked to this Website, including but not limited to loss or damage due to:

• viruses that may infect your computer equipment including but not limited to spyware, malicious software Trojans and worms
• software, data or other property on account of your access to the use of, or browsing of this Website or your downloading of any material from this Website or any websites linked to this Website.

"We" means any of our officers, directors, employees, or shareholders (or agents of them).

Nothing in this legal notice shall exclude or limit our liability for (i) death or personal injury caused by negligence (as such term is defined by the Unfair Contract Terms Act l977); (ii) fraud; (iii) misrepresentation as to a fundamental matter; or (iv) any liability which cannot be excluded or limited under applicable laws.

If your use of material in this Website results in the need for servicing, repair or correction of equipment, software or data, you are assumed to have accepted all responsibility together with the associated and resultant costs.

This policy (together with any terms of use provided by us for using Our Sites (defined below)) applies to your use of:

• Grove & Dean Insurance App (App) available on APP Store & Google Play (App Site) once you have downloaded a copy of our App onto your mobile telephone or handheld device (Device).

• Any of the insurance services or other insurance products provided by us or the use of any online insurance account we operate for you allowing you to access and manage your insurance documentation (Services) that are available on the App Site or one of our associated websites or applications (Associated Sites), unless the terms of use states that a separate privacy policy applies to a particular Service, in which case that privacy policy applies. This policy sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us.

The App is not intended for use by children.

Please read the following carefully to understand our practices regarding your personal data and how we will treat it.

This policy is provided in a layered format so you can click through to the specific areas set out below. Alternatively you can download a pdf version of the policy here.

Grove & Dean Ltd is an insurance intermediary, which means that we arrange, advise on and assist in the administration of non-investment insurance contracts and provide credit broking services.

We are responsible for processing your personal data when you use our Services and Our Sites (as defined below), and would be considered the controller for the purposes of data protection legislation.

If you have any questions about this privacy policy, please contact:

The Data Access Team
7 Station Lane
Hornchurch
Essex
RM12 6JL

Or email customer.care@grove-dean.co.uk

This Privacy Policy sets out how we will process your personal data when you use our Services including when you use our App or Associated Sites (where appropriate our App and Associated Sites will together be referred to as Our Sites in this Privacy Policy). Our App and any online insurance account we have provided you with access to, has been designed for customers of ours who have purchased an insurance policy through us and use our Services.

We keep our Privacy Policy under regular review and it is updated from time to time, for example, if our business activities or legal requirements change. Where such update has taken place, any new policy may be displayed, on-screen, and you may be required to read and accept the changes to continue your use of Our Sites or the Services.

Ensure when using these features that you do not submit any personal data that you do not want to be seen, collected or used by other users.

If you provide us with another person’s personal data, you should send them a copy of this Privacy Policy (you can do so by clicking here). Please note that you should obtain the consent of any person whose personal data you provide us with and in your provision of their information to us you are confirming you have done so.

Our Sites may, from time to time, contain links to and from the websites of our partner networks, advertisers, affiliates and other third parties. Please note that these websites and any services that may be accessible through them have their own privacy policies and that we do not accept any responsibility or liability for these policies or for any personal data that may be collected through these websites or services. Please check these policies before you submit any personal data to these websites or use these services.

We may collect, use, store and transfer different kinds of personal data about you as follows:

On occasion we may need to collect personal information about children. A child may be included under a policy of insurance and covered by the Services we provide or we may provide insurance cover to a young person between the ages of 16 and 18. Where we do collect personal information about children we take care when collecting such information to only collect information strictly necessary to allow us to obtain an insurance policy or quote for a child. We may also process information in respect of a child in the event that any insurance claim relates to a child. Again, we will do our best to minimise the information collected.

Where we collect any such information, we require the person providing the same to have authority to do so.

For some customers, including those who may be considered vulnerable, you may nominate a person to act on your behalf. Where you do this we may need to process Contact Details and Individual Details of this person to allow us to work with them.

We also collect, use and share Aggregated Data such as statistical or demographic data for any purpose. Aggregated Data could be derived from your personal data but is not considered personal data in law as this data will 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 or App 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 policy.

We will collect and process the following data about you:

• Information you give us. This is information you consent to giving us about when using our services including Our Sites or by corresponding with us (for example, by telephone, email or webchat). It includes information you provide when you register to use the App Site, download or register an App, purchase any of our Services, submit or request a quote for our Services, search for an App or Service, make an in-App purchase, share data via an App's social media functions and when you report a problem with an App, our Services, or any of Our Sites.

• Information from third parties. Contact Details, Individual Details, Vehicle and Driving Information, Policy and Claim Information, Financial and Transaction Information will be provided by any comparison website who you allow to share your information with us, claims agencies, law enforcement agencies, loss adjusters, loss assessors and legal representatives, any other insurance broker acting for you and any other third party who we are provided your personal data to allow us to administer our Services which will include your insurance policy and any claim related to such policy.

• Information we collect about you and your device. Each time you visit one of Our Sites we will automatically collect personal data including Usage and Device Data. We collect this data using cookies and other similar technologies. Please see our Cookie Policy for further details.

• Location Data. Our Apps may also use GPS technology to determine your current location. Some of our location-enabled Services require your personal data for the feature to work. If you wish to use the particular feature, you will be asked to consent to your data being used for this purpose. You can withdraw your consent at any time by disabling Location Data in your settings.

• Information we receive from other sources providing technical information. We will receive personal data about you from various third parties and public sources as set out below:

  • Usage and Device Data for example from the following parties:

    • analytics providers such as Google;

    • SessionCam for analysis - SessionCam is a product that has been developed by SessionCam LTD. SessionCam may record mouse clicks, mouse movements, page scrolling and any text keyed into website forms. The information collected does not include bank details or any sensitive personal data. Data collected by SessionCam from our websites is for our internal use only. The information collected is used to improve our website usability, improve our marketing strategies and customer journey and for anti-fraud purposes. It is also stored and used for aggregated and statistical reporting.

  • Individual Details, Financial and Transaction Information from providers of technical, payment and delivery services for example Experian and Lexis Nexis.

  • Official Body Data, Vehicle and driving information, Policy & Claim information from information providers for example Motor Insurance Bureau (MIB), the Driver and Vehicle Licensing Agency (DVLA) and the Claims and Underwriting Exchange.

For detailed information on the cookies we use, the purposes for which we use them and how you can exercise your choices regarding our use of your cookies, see our Cookie Policy.

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

• Where you have consented before the processing.

• Where we need to perform a contract we are about to enter or have entered 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.

We will only send you direct marketing communications by email, post, telephone or text if we have your consent. You have the right to withdraw that consent at any time by contacting us at opt-out@grove-dean.co.uk. If you change your mind about how we may contact you, you can also manage your preferences at any time by emailing us at mypreferences@grove-dean.co.uk.

We will get your express opt-in consent before we share your personal data with any third party for marketing purposes.

In the provision of our insurance products, we will carry out automated decision-making to determine the basis upon which we are able to provide you with insurance, including whether or not we are able to offer you the option to pay for Services on a monthly credit basis. We will use all personal data we hold about you, which will include personal data collected from third party sources, to administer your insurance product.

We are unable to provide a quote or insurance products to you unless we carry out such automated decision-making as we need this process to allow us to calculate your insurance risk and therefore premium.

We may also use automated decision-making to help us tailor our marketing to you and ensure we make you aware of the most appropriate Services.

When you provide us with your personal data, we will share your personal data with the third parties set out below for the purposes set out in the Privacy Policy:

• Internal Third Parties which includes other companies in the Grove & Dean Group.

• External Third Parties such as those listed below by way of example:

  • Underwriters;

  • Insurance companies of those we may suggest you purchase a policy from;

  • Insurance companies of third parties whom who may be involved in a claim with;

  • DVLA;

  • Professional advisors and auditors;

  • Law enforcement agencies;

  • Claims handlers;

  • Ombudsmen;

  • The MID and MIB;

  • Credit reference agencies;

  • Premium Finance providers and lenders;

  • Card payment processors;

  • Debt collection services;

  • Mechanics, garages and body work specialists;

  • Breakdown services;

  • Any other party as referred to in this privacy notice.

• · 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 policy.

In the performance of our activity as an insurance intermediary we may from time-to-time act as a Data Processor, for example where we collect or return premiums, or notify claims. We may also act under contract in order to service or administer insurance policies on behalf of other insurers or insurance intermediaries. Data Protection Laws set out that firms that process personal data must ensure they meet their relevant obligations. We ensure that when we act as a data processor, we have a suitable contract in place that describes our obligations in order to meet the requirements of the applicable data protection laws and regulations.

We may use your no claims discount information to check your entitlement, examine the potential risk in relation to your prospective policy and help prevent fraud. If we do this your information will be checked against the MIB database. Such searches may be carried out against you or the relevant person included on the proposal and may be carried out at point of quote and, if a policy is incepted, at the renewal stage.

To perform these searches, we may exchange information about you with LexisNexis Risk Solutions. The purpose is to check your entitlement and eligibility for a no claims discount and assist with identity verification, the prevention of fraud and risk analysis. Because checks can be made for named drivers you must inform any drivers you name know before sharing their information with us.

For privacy information and full details about the services LexisNexis provide to us please visit https://risk.lexisnexis.com/group/processing-notices/insurance-services

Some third parties are based outside the UK so their processing of your personal data will involve a transfer of data outside the UK, for example our software may be supported by companies outside of the UK.

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

• We will only transfer your personal data to countries that have been deemed to provide an adequate level of protection for personal data.

• Where we use certain service providers, we may use specific contracts approved by the UK which give personal data the same protection it has in the UK.

All information you provide to us is stored on our secure servers. Payment transactions carried out by us or our chosen third-party provider of payment processing services comply with PCI DSS security standards. Where we have given you (or where you have chosen) a password that enables you to access certain parts of Our Sites, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.

Once we have received your information, we will use strict procedures and security features to try to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way.

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

By law we have to keep your information for six years after you cease being a customer to comply with our various obligations. In some circumstances we may need to keep your information longer, for example if there is a claim, dispute or other legal obligation.

In some circumstances you can ask us to delete your data, see below for further information.

In some circumstances we will 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.

In the event that your insurance policy is cancelled or lapsed access to Our Sites and any accessible online accounts held by us shall cease.

Under certain circumstances you have the following rights under data protection laws in relation to your personal data:

• Request access to your personal data (commonly known as a "data subject access request").

• Request correction of the personal data that we hold about you.

• Request erasure of your personal data.

• 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:

  • if you want us to establish the data's accuracy;

  • where our use of the data is unlawful but you do not want us to erase it;

  • 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

  • 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.

• 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 our Services to you or it may change the basis upon which we provide Services. We will advise you if this is the case at the time you withdraw your consent.

You also have the right to ask us not to continue to process your personal data for marketing purposes.

You can exercise any of these rights at any time by contacting us using the information at the start of this Privacy Policy, which can be found here.

If you have any concerns about the way we process your personal information please contact us in the first instance. You have the right to make a complaint at any time to the Information Commissioner's Office (ICO), the UK regulator for data protection issues:

Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF
Tel: 0303 123 1113 or 01625 54 57 45
Website: www.ico.org.uk

It is important that the personal data we hold about you is accurate and current. Please keep us informed if your personal data changes during our relationship with you.

Cookies are small text files, placed on your computer or mobile device by websites or sometimes emails. Each cookie is unique to your web browser. It will contain some anonymous information such as a unique identifier and the site name and some digits and numbers. It allows a website to remember things like information you have inserted and how you have behaved on a site.

We may at one time or another use three types of cookies on our websites:

• Session cookies that are deleted after each visit.
• Persistent cookies that remain in place across multiple visits to our sites.
• Third party cookies that are used by our approved business partners.

Internet Explorer - you can delete cookies as a Microsoft Internet Explorer user by clicking:

• View Menu
• Internet Options
• Delete Cookies

Mozilla Firefox - you can delete cookies as a Mozilla Firefox user by clicking:

• Tools
• Options
• Privacy
• Cookies (Click "Clear" button)

Google Chrome - you can delete cookies as a Google Chrome user by clicking:

• Wrench icon on browser's toolbar
• Settings
• Advanced Settings
• Privacy Section – Click "Content Settings"
• "Cookies" section choose "Delete" or "Block" Safari

Safari

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

This cookie enables us to assess all web traffic. This means we can improve your browsing experience by making informed decisions from the user data collected.

Our website uses conversion code tracking to establish whether an advertisement has driven an enquiry. Remarketing

We use remarketing advertising to deliver targeting advertising messages to users that have previously shown an interest in our website. We apply strict rules to our remarketing campaigns so you will only be delivered targeted messages and are not bombarded with ad space.

The enquiry forms within the website captures a user’s data prior to form submission. This is so as we can further improve the user journey and also perform a customer service call (if needed) to ensure the user has obtained all of the information required from our website.

If you require any further information on cookies or how to delete them visit www.aboutcookies.org – please note this is an external website and we are not responsible for the accuracy of the information on this site.

We operate a two stage sales process which means that whether you buy your insurance online or accept an offer by our sales team you will be contacted by our support team who will check through your information to make sure it is correct and that you are eligible. For policies that are not bought online your insurance cover will not be effective until you have received a call from our support team and they have confirmed to you when cover is effective from. If you have any doubts about your cover or you have not received your policy documents after making a purchase please contact our customer services staff immediately.

We reserve the right to retain your certificate(s) of insurance until all payments due under the policy have been made. Any agreed facilities for payment of premiums by instalments will include our right to retain certificates of insurance until all such payments have been received. By accepting this agreement you agree that delivery of any certificate including certificates of motor insurance to us shall constitute delivery to yourself in accordance with United Kingdom law.

Cover cannot be granted in the absence of premium payment, or part thereof. In the event of an initial payment not being authorised, cover may not be deemed to have been afforded in any way. It remains your responsibility therefore to ensure that sufficient funds are available so that cover may commence.

Please note that we are only able to arrange insurance on this Website for individuals resident in the United Kingdom (excluding Northern Ireland), continuously for the past 12 months and all contracts arranged through our agency are subject to English Law.

The policies available on this Website are underwritten by a number of different insurers. You will be told which insurer is underwriting any particular policy before you decide to purchase your insurance and you will also be provided with details of the insurer. If you need to clarify anything before buying any insurance policy please contact us. Our opening hours are Monday to Friday 8:30am - 6:30pm, Saturday 9:00am - 5:00pm, Sunday and Bank Holidays 10:00am - 4:00pm.