We, Chadwicks Group Limited are the data controller of your personal data.

Grafton Group has 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, please get in touch by either

• writing to The Data Protection Officer, Grafton Group plc, The Hive, Carmanhall Road, Sandyford Business Park, Dublin 18, D18 Y2C9 or




• emailing dpo@graftonplc.com.

This privacy notice is reviewed on a regular basis and was last updated on 08/07/2025 and is version 05

If you have any concerns about the way we are handling your personal data, we would appreciate the chance to deal with your concerns so please contact the Data Protection Officer (see ‘Who we are and other important information/Data Protection Officer’ section above) in the first instance. You have the right to make a complaint at any time to the relevant supervisory authority. In Ireland, this is An Coimisiún um Chosaint Sonraí (Data Protection Commission) (DPC) or to the data protection regulator in the country where you live or work. The contact details for the DPC are available at www.dataprotection.ie/en

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. If you wish to learn more about how these third parties process your personal data, you may read their privacy notice which will be located on their websites.

Personal information or personal data as it is also referred to means any information about an individual from which that person can be identified. It does not include data where it is not reasonably possible to identify an individual (anonymous data). Some of the information will come directly from you (for example, when you purchase a product or when you open an account with us) and we might also get some from publicly available places. The information that we collect will depend on the reason for your contact with us. 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, last name, username or similar identifier, marital status, title, date of birth and gender.
• Contact Data includes billing address, home address, email address and telephone numbers.
• Financial Data includes payment card details and, where you or your business have or apply for a credit account with us, bank account details and information held by credit reference and fraud prevention agencies.
• Transaction Data includes details about you/your business trading history, including payments from you/your business.
• Technical Data includes internet protocol (IP) address, your login data, browser type and version, browser plug-in types and versions, operating system and platform and other technology on the devices you use to access this website/or any apps.
• Profile Data includes your username and password, products/services provided to you/your business, feedback and survey responses.
• Usage Data includes information as to how you use our website.
• Marketing and Communications Data includes your preferences as to whether you are happy to receive marketing from us and, if so, your communication preferences.

We may also collect, use and share Aggregated Data such as statistical or demographic data for any purpose. Aggregated Data may be derived from your personal information 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 information which will be used in accordance with this privacy notice. We necessarily collect data shared during chatbot conversations, such as name, email address, or other identifiers if you choose to provide this information to the chatbot.

We also collect the following information during your AI Interactions:

• Chat transcripts and communication history.
• Technical usage data (IP address, device/browser type) collected during chatbot or AI tool interactions.
• Interaction data or queries submitted to internal AI systems.

In the normal course, we will not collect Special Categories of Personal Data about you.

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

• Through direct interactions with you. You may give us your Identity, Contact and Financial Data by filling in forms or by corresponding with us by post, phone, email, via this website, apps or on social media, or otherwise. This includes personal data you provide when you or your business:
  • apply for, or operate, a credit or cash account with us.
  • subscribe to our newsletter and/or other publications.
  • request a brochure or other promotional or marketing materials to be sent to you/your business.
  • purchase goods and/or services at one of our branches.
  • purchase goods and/or services at over the phone.
  • purchase goods and/or services via our website.
  • enter a competition, or respond to a promotion or survey; or
  • give us some feedback; or
  • book an appointment with us or request a 'call back'.
  • interact with us via our 'Contact Us', 'Reviews', or Live Chat, Chatbot or
  • create an online account.
• Through 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.
• From third parties and publicly available sources. We may receive personal data about you from various third parties and public sources, examples of which are listed below:
  • Technical and Usage Data from analytics, website security and search information providers such as Google who may be inside OR outside the EU; or
  • Contact, Financial and Transaction Data from providers of technical, payment and delivery services based inside OR outside the EU; or
  • Identity and Contact Data from publicly availably sources such as Companies House and the Electoral Register based inside the EU.
• From credit reference agencies and fraud prevention organisations. When you or your business of which you are a partner or a director makes an application for a credit account with us, we may make searches about you with credit reference agencies and fraud prevention organisations. Searches are made against addresses provided and so may also return information relating to other household members. The relevant agencies/organisations will keep a record of that search and will share information from their records with us and with other businesses assessing applications for credit and to prevent fraud. Should it become necessary to review a credit account, a further check with credit reference agencies and fraud prevention organisations may be made, and a record kept by them of the search. Debt collection and debtor tracing organisations.
• Through other businesses within the Grafton Group. As part of our credit referencing and anti-fraud procedures, we may make enquiries of other businesses within Grafton Group as to your/your business' trading history with them.

If you fail to provide personal information 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 contract you have with us, but we will notify you if this is the case at the time.

We’ll only use your information if we have your permission, or we have another legal reason for using it. These reasons include:

• To meet Chadwicks reasonable business legitimate interests.
• To enter into or carry out an agreement we have with you.
• To respond to queries and improve customer support.
• To analyse interactions for service quality, training or internal insights.
• Where we’re required to by law.
• Where we believe it’s in the public interest for us to do so e.g. to help prevent or detect crime.
• To establish, utilise or defend our legal rights.

We have set out below, the reasons we use your personal information, and which of the legal bases we rely on to do so and 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.

When we refer to legitimate interests, we mean the interest of our business in conducting and managing our business to enable us to give you the best service/product. 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).

Purpose/Activity	Type of data	Lawful basis for processing
To respond to an enquiry from you. To provide efficient support & improve service	(a) Identity (b) Contact	Necessary to take steps at your request prior to entering into a contract with you. Contractual necessity where the chatbot supports service delivery or responds to customer contracts. Consent – where you voluntarily provide personal information.
To undertake credit-referencing and anti-fraud checks in connection with applications for and the operation of a credit account with us.	(a) Identity (b) Contact (c) Financial (d) Transaction	Necessary for our legitimate interests in protecting our business from insolvent customers and fraud. Necessary for means of substantial public interest (preventing fraud).
To provide goods and/or services to you, and to collect and recover money owned to us	(a) Identity (b) Contact (c) Financial (d) Transaction	Performance of a contract with you Necessary for our legitimate interests (to operate our business and recover debts due to us).
To manage our relationship with you which will include: (a) Notifying you about changes to our terms or privacy policy (b) Asking you for feedback (c) Manage any account(s) that you hold with us (d) verify your identity (e) to enable us to manage customer service interactions (including refunds) with you	(a) Identity (b) Contact (c) Profile (d) Marketing and Communications (e) Usage	Performance of a contract with you Necessary to comply with a legal obligation Necessary for our legitimate interests (to keep our records updated and to study how customers use our services)
To administer and protect our business including our website (including troubleshooting, data analysis, testing, system maintenance, support, reporting and hosting of data)	(a) Identity (b) Contact (c) Technical	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) Necessary to comply with a legal obligation
To protect our website against spam and abuse, we use a service that uses risk analysis techniques to differentiate between humans and bots.	(a) Usage (b) Technical	Necessary for our legitimate interests to ensure the security and integrity of our website
To measure and understand the effectiveness/usability of our website	(a) Identity (b) Contact (c) Profile (d) Usage (e) Technical	Necessary for our legitimate interests (to study how visitors use our site, in order to develop it, to grow our business and to inform our marketing strategy)
To deliver tailored and personalised electronic content to you	(a) Identity (b) Contact (c) Profile (d) Usage (e) Technical	Your explicit consent or where it is necessary for our legitimate interests (for promotional and marketing purposes) If you visit our website, you may be served personalised advertisements for products whilst using other websites (including social media platforms). Any advertisements you see will relate to products you have viewed whilst browsing our website on your computer or other devices, or which we believe are of interest to you. These advertisements are provided by Chadwicks Group via market leading specialist providers using 'cookies' and similar technologies placed on your computer or other devices (see further information on the use of cookies in our Cookie Policy). You can remove or disable cookies anytime - see below for further information about Cookies. If you have provided us with your email address as part of a transaction that you have made with us, or as part of a competition that you entered, it may be used to deliver content through services from companies like Google and Facebook (for example, Google Ad, Custom Audiences). At the point your data is shared with these service providers, it is pseudonymised using an encrypted algorithm. Information about these companies’ terms and privacy notices is available on their websites.
To use data analytics to improve our products and pricing activity, website, services, marketing and customer relationships	(a) Technical (b) Usage	Necessary for our legitimate interests (to define types of customers for our services, to keep our website updated and relevant, to develop our business and to inform our marketing strategy)
To deal with issues, complaints or disputes arising out of our relationship with you/your business, and to prevent or detect crime, including fraud	(a) Identity (b) Financial (c) Technical (d) Profile (e) Usage	To establish, exercise or defend legal claims

We do not currently undertake automated decision making using your personal information.

We may store details of your interactions with us. We may also record and keep track of conversations with us including phone calls, face-to-face meetings, letters, emails, live chats, video chats , Chatbot conversations and any other kinds of communication. We may use these to check your instructions to us, improve our service, train our people, manage risk or to prevent and detect fraud and other crimes. We may also store additional information about these interactions, e.g. telephone numbers that you call us from and information about the devices or software that you use. We use closed circuit television (CCTV) in and around our offices and branches and these may collect photos or videos of you or record your voice. Our websites, apps, and other digital products may track and record your interactions with them.

We strive to provide you with choices regarding certain personal information uses, particularly around marketing. Where you have agreed to receive it, 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 goods, services and offers may be relevant for you. We will only share your personal data for marketing purposes in accordance with your preferences/consent. To make a change to marketing messages at any time, you have the following options either:

• By logging on to your account on our website and changing your marketing preferences, or
• by following the opt-out links on any marketing message sent to you.

We use the CookieFirst consent management platform to manage cookie preferences on our website. When you visit our website, you will be presented with options to select which categories of cookies you wish to allow. Your choices will determine which cookies are processed during your visit. 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 cookie policy.

We will only use your personal information 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 or an appropriate exemption to EU GDPR applies. If we need to use your personal information for an unrelated purpose, we will endeavour to 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.

We may share your information with others where lawful to do so including where we or they: 

• need to in order to provide you with products or services you’ve asked for.
• have a public or legal duty to do so, e.g. to help with detecting and preventing fraud, tax evasion and financial crime.
• need to for any regulatory reporting, litigation or asserting or defending legal rights and interests.
• wish to send marketing to you or others, where you’ve given us your permission, or it’s within our legitimate interest to do so.
• other companies in the Grafton Group and any sub-contractors, agents or service providers who work for us or provide services to us or other Grafton Group companies (including their employees, sub-contractors, service providers, directors and officers) whether directly or providing underlying infrastructure services.
• We may share your data with trusted service providers who host or support out chatbot or AI systems. These providers act under data processing agreements and may not use your data for their own purposes.
• Where personal data is transferred outside the European Economic Area, we ensure appropriate safeguards are in place, such as Standard Contractual Clauses or adequacy decisions.

We may share your information for these purposes with others including:

• business partners, suppliers and sub-contractors for the performance of any contract we enter into with them or you.
• analytics and search engine providers that assist us in the improvement and optimisation of our services and website.
• professional advisers, including lawyers, banks, auditors and insurers.
• debt collection and/or debtor tracing agencies in connection with the recovery of your/your businesses unpaid debt.
• other businesses in the Grafton Group relating to your/your business' trading history with us;
• regulators and other authorities.
• entities involved in credit checking and anti-fraud activities, crime prevention/detection.
• third parties 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 information in the same way as set out in this privacy notice.

Where these third parties are our processors, we require them to respect the security of your personal information and to treat it in accordance with the law. We do not allow our third-party processors to use your personal information for their own purposes and only permit them to process your personal information for specified purposes and in accordance with our instructions. Some of the third parties mentioned above, for example, many professional advisers and Revenue Commissioners, are controllers who, like us, are subject to specific obligations under data protection law, and who will have their own privacy notices setting out how they deal with personal data.