Last Reviewed: March 2025

1. Introduction

Welcome to GreyLoan.co.uk's privacy notice.

GreyLoan.co.uk is a registered trading name of Revoak Limited, which is authorised and regulated by the Financial Conduct Authority under reference number 769494. Revoak Limited is registered in England and Wales under company number 10513741, with its registered office at Suite A, Floor 2, Avalon, 26-32 Oxford Road, Bournemouth, United Kingdom, BH8 8EZ. It is licensed by the Information Commissioner's Office under registration reference ZA750237.

Revoak Limited introduces to T.UK, which provides the credit broking service. For further details, please refer to the T.UK privacy page here: http://t.uk/b-privacy/.

Revoak Limited respects your privacy and is committed to protecting your personal data. This privacy notice explains how we look after your personal data when you visit our website (regardless of where you visit it from) and informs you about your privacy rights and how the law protects you.

2. Important Information and Who We Are

Purpose of this Privacy Notice

This privacy notice provides information on how Revoak Limited collects and processes your personal data through your use of this website, including any data you may provide when you request an offer of credit from our trusted third-party partners. Click this link to access details of the third-party partners and a link to their privacy notices.

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

Controller

Revoak Limited is the controller and responsible for your personal data (collectively referred to as "Revoak", "we", "us" or "our" in this privacy notice).

We have appointed a data protection officer (DPO) who is responsible for overseeing questions in relation to this privacy notice. If you have any questions about this privacy notice, including any requests to exercise your legal rights, please contact the DPO using the details below.

Revoak DPO Contact Details:

Revoak Limited

Avalon, Suite A, Floor 2, 26-32 Oxford Road,

Bournemouth, United Kingdom, BH8 8EZ

Email: [email protected]

You have the right to make a complaint at any time to the Information Commissioner's Office (ICO), the UK supervisory authority for data protection issues (www.ico.org.uk). However, we would appreciate the chance to address your concerns before you approach the ICO, so please contact us first.

Changes to the Privacy Notice and Your Duty to Inform Us of Changes

This version was last updated in March 2025. Historic versions can be obtained by contacting us.

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 your relationship with us.

Third-Party Links

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 notices. When you leave our website, we encourage you to read the privacy notice of every website you visit.

The Data We Collect About You

Personal data, or personal information, refers to any information that can identify an individual. This does not include data where the identity has been removed (anonymous data).

We may collect, use, store, and transfer different types of personal data, which we have categorised as follows:

• Identity Data – Includes first name, last name, marital status, number of dependents, title, date of birth, and gender.
• Contact Data – Includes address, email address, and telephone numbers.
• Financial Data – Includes bank account and payment card details, employer name and industry, length of employment, net monthly income (including details of any benefits received), pay frequency, pay dates, and expense details.
• Transaction Data – Includes details about your requests for credit offers from our trusted third-party partners.
• Technical Data – Includes internet protocol (IP) address, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform, and other technology used to access our website.
• Profile Data – Includes your requests for credit offers, preferences, and feedback.
• Usage Data – Includes information on how you interact with our website, products, and services.

We also collect, use, and share Aggregated Data, such as statistical or demographic information, for various purposes. While this data may be derived from your personal data, it is not considered personal data under the law as it does not directly or indirectly identify you. For example, we may aggregate Usage Data to determine the percentage of users accessing a specific website feature. However, if Aggregated Data is combined with personal data in a way that identifies you, we treat it as personal data in accordance with this privacy notice.

We do not collect Special Categories of Personal Data, such as details about your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, health data, or genetic and biometric data. However, we acknowledge that details of any benefits you receive could potentially lead to inferences about your health. We also do not collect any information related to criminal convictions or offences.

Failure to Provide Personal Data

If we are required by law or a contract to collect personal data from you and you do not provide it when requested, we may not be able to fulfil the contract we have or are attempting to enter with you. For example, we may be unable to process a request for a credit offer from our trusted third-party partners.

How We Collect Your Personal Data

We use various methods to collect personal data, including:

Direct Interactions

You may provide us with Identity, Contact, and Financial Data by completing forms or by corresponding with us via post, phone, email, or other methods. This includes when you:

• Request a credit offer from our trusted third-party partners.
• Request marketing communications.
• Provide feedback.

Automated Technologies or Interactions

When you interact with our website, we may automatically collect Technical Data about your device, browsing behaviour, and patterns. This data is gathered using cookies, server logs, and similar technologies. Additionally, we may receive Technical Data from other websites that use our cookies. More details can be found in our cookie policy.

Third-Party Sources

We may receive personal data from external parties, including:

Technical Data from:

• Analytics providers such as Google (based outside the UK).
• Advertising networks (based inside and outside the UK).
• Information processing providers (based outside the UK).
• Social media platforms such as Facebook, Instagram, and TikTok (based outside the UK).
• Identity and Contact Data from data brokers or aggregators (based inside and outside the UK).
• Trusted affiliate websites, networks, and third-party partners who may provide us with relevant data.

How we use Your Personal Data

Under data protection laws, we are permitted to share some information where the reason for doing so is legitimate and isn’t outweighed by the effects it will have on the relevant individuals. On that basis, we may pass your information to Data OD Ltd, who may share this information with other third parties.

The data that is shared may be used for analysing, modelling, and contact for purposes including affordability assessments, anti-money laundering, asset repatriation, contact information validation, credit risk and affordability assessments, debt collection services, determining debt portfolio value, fraud prevention services, identity verification services, pre-populating online forms, vulnerability assessments, and other related services.

If you do not wish for your data to be used this way by Data OD Ltd, please opt out using this link: https://dataondemand.co.uk/opt-out/. You can also email [email protected] with any requests about your information. For additional information about how your data is processed by Data OD Ltd, please visit https://dataondemand.co.uk/personal-data-privacy-notice/.

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.

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.

Purpose/Activity	Type of data	Lawful basis for processing including basis of legitimate interest
To process your requests for offers of credit from our trusted third party partners	(a) Identity (b) Contact (c) Financial (d) Transaction	Performance of a contract with you. This will include automated decision-making on the part of our trusted third party partners
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) Contact (c) Technical	(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) Contact (c) Profile (d) Usage (e) Marketing and Communications (f) Technical	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) Technical (b) Usage	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)

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 a respectful amount of marketing communications from us, in relation to the services that we offer. Our lawful basis for this is legitimate interest. If you wish to opt-out, please contact us at [email protected].

Disclosures of your personal data

We may share your personal data with third parties as follows:

• Internal Third Parties as set out in the glossary.
• External Third Parties as set out in the glossary.
• Trusted third-party affiliate websites, third-party affiliate networks, third-party digital marketers, and third-party lenders. Click this link to access details of the third-party partners and a link to their privacy notices.

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.

Data profiling and decision making

We do not use your personal data to make automated decisions about you or to profile you. However, our platform uses software to automate the order in which your personal data is passed to our third party lenders and partners.

We provide data that may help third party lenders and partners make decisions about lending and other matters (such as preventing fraud or protecting consumers), but their own data, knowledge, processes and practices will also generally play a significant role in their decisions – and those decisions will always be for them to make.

For example, we do not decide whether you should be granted credit or a loan – this is for the lender to decide. However, they will ultimately decide how to act upon that information, considering their legal and regulatory obligations.

International transfers

Some of our external third parties are based outside the United Kingdom (UK) so their processing of your personal data will involve a transfer of data outside the UK.

Whenever we transfer your personal data out of the UK, we ensure a similar degree of protection is afforded to it by using specific contractual clauses which give personal data the same protection it has in the UK.

Please contact us if you want further information on the specific mechanism used by us when transferring your personal data out of the UK.

Data security

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 service providers 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.

Data retention

How long will you use my personal data for?

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.

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.

Your legal rights

Under certain circumstances, you have rights under data protection laws in relation to your personal data. These rights are listed and described below:

• 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 contact us.

No fee usually required

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.

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.

Glossary

LAWFUL BASIS

Legitimate Interest means the interest of our business in conducting and managing our business to enable us to give you the best service/product 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 contacting us.

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.

THIRD PARTIES

Internal Third Parties

Other companies in the T.UK Group acting as joint controllers or processors and who are based in the UK, the United Kingdom and the United States and provide IT and system administration services and undertake leadership reporting.

Other companies in the T.UK Group acting as joint controllers or processors and who are based outside the UK and provide software development and engineering services.

External Third Parties

Service providers acting as processors based in the EEA, the United Kingdom and the United States who provide IT and system administration services.

Professional advisers acting as processors or joint controllers including lawyers, bankers, auditors and insurers based in the United Kingdom and the United States who provide consultancy, banking, legal, insurance and accounting services.

HM Revenue & Customs, regulators and other authorities acting as processors or joint controllers based in the United Kingdom who may require reporting of processing activities in certain circumstances.- Google, Linkedin, Facebook to enhance targeting / exclusions from advertising.

Our network of trusted third party affiliate websites, third party affiliate networks, third party digital marketers, and third party lenders acting as controllers. Click this link to access details of the third party partners and a link to their Privacy notices.

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

Third parties for the purpose of analysing, modelling and contact for purposes including affordability assessments, anti-money laundering, asset repatriation, contact information validation, credit risk and affordability assessments, debt collection services, determining debt portfolio value, fraud prevention services, identity verification services, pre-populating online forms, vulnerability assessments and other related services.

Data Security

We have implemented appropriate security measures to prevent your personal data from being lost, used, or accessed in an unauthorised way. Access to personal data is limited to those employees, agents, contractors, and other service providers who have a business need to know.

Data Retention

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

Your Legal Rights

Under data protection laws, you have the right to:

• Request access to your personal data.
• Request correction of the personal data we hold about you.
• Request erasure of your personal data.
• Object to processing of your personal data.
• Request restriction of processing.
• Request the transfer of your personal data.
• Withdraw consent at any time.

If you wish to exercise any of these rights, please contact us.

© 2025 GreyLoan.co.uk. All rights reserved. GreyLoan.co.uk is a trading name of Revoak Limited.