Customer Privacy Notice
At Friend & Company Financing Limited (“the Company”, “we”, “our”, “us”), we prioritize the protection of your personal information. This Customer Privacy Notice pertains to the personal data managed by Friend & Company Financing Limited as Data Controller under the Data Protection Act, 2020 (“the DPA”).
This notice explains what data we collect, how we use it, with whom we share it, the conditions for sharing, the safeguards we apply, and your rights regarding your personal data. This notice remains effective even after your services with us have ended.
1. Definitions
When we refer to ‘you’ or ‘your’, this includes:
• You;
• Any authorized individual on your account;
• Anyone acting on your behalf such as trustees, executors, or attorneys under a Power of Attorney;
• Other associated individuals such as authorized signatories, partners, members, and trustees.
When we refer to ‘we’, this means Friend & Company Financing Limited. We act as the Data Controller for the personal data collected in connection with our services.
2. Data We Collect
• Personal details (e.g., name, date of birth, identification information);
• Contact details (e.g., address, phone number, email address);
• Identity verification information (e.g., TRN, national ID, driver’s license, passport);
• Proof of income and assets (e.g., payslips, bank statements, vehicle titles, property documents);
• Employment information;
• Character references;
• Credit history and credit bureau information;
• Information submitted through online forms, email, telephone, in-person meetings, or digital platforms.
3. Purpose and Legal Basis for Processing
We process personal data for the following purposes:
• Providing, operating, and maintaining our financial services;
• Processing loan applications and completing transactions;
• Conducting identity verification and credit checks;
• Complying with Anti-Money Laundering (AML) and regulatory obligations;
• Managing customer accounts and providing support;
• Sending service notifications and payment reminders;
• Detecting and preventing fraud or financial crime;
• Recovering debts owed to the Company;
• Managing business risks and ensuring continuity.
We rely on the following legal bases under the DPA:
• Performance of a contract;
• Compliance with legal and regulatory obligations;
• Legitimate interests of the Company;
• Your consent, where applicable.
4. Your Rights
Under the Data Protection Act, you have the following rights:
• Right to be informed;
• Right of access;
• Right to rectification;
• Right to withdraw consent;
• Right to object to processing;
• Right to data portability;
• Right not to be subject solely to automated decision-making.
Requests may be submitted to info@friendandcompanyfinancing.com and will be handled in accordance with the DPA.
5. Your Responsibilities
You are responsible for providing accurate, complete, and up-to-date information when applying for or using our services. You must notify us promptly of any changes to your personal information, including changes to your contact details, employment status, or financial circumstances.
Failure to provide accurate information may affect our ability to provide services and may result in delays, suspension, or termination of services where permitted by law.
The Company may rely on the accuracy of the information provided by you unless notified otherwise.
6. Data Sharing
We may share personal data with:
• Payment processing service providers;
• Government agencies such as the Tax Administration Jamaica and/or where required by law;
• Regulatory authorities including the Bank of Jamaica (BOJ) and Financial Investigations Division (FID);
• Auditors and professional advisors;
• Debt recovery or collection agencies where applicable.
We may obtain credit information about you from licensed credit bureaus and may share information about your credit history and repayment performance with such bureaus in accordance with applicable laws.
We may also disclose personal data where required or permitted by law, court order, or regulatory request.
7. Electronic Communications
By providing your contact details to us, you consent to receive communications relating to your account, loan application, or services through electronic channels including email, SMS, telephone calls, or messaging platforms such as WhatsApp.
These communications may include service notifications, payment reminders, account updates, or other information necessary for managing your relationship with the Company.
8. Website and Online Application Data
When you interact with our website, online forms, or digital platforms, we may collect certain technical information such as IP address, browser type, device information, and usage data. This information may be used to improve our services, maintain system security, and enhance the user experience.
Where cookies or similar technologies are used, they are intended to support website functionality, security monitoring, and analytics.
9. Use of Third-Party Service Providers (Data Processors)
We engage trusted third-party service providers including secure cloud-based Customer Relationship Management (CRM) systems, document storage platforms, IT service providers, and payment platforms to process personal data on our behalf.
These service providers are required to:
• Process personal data only under our documented instructions;
• Maintain confidentiality obligations;
• Implement appropriate technical and organizational safeguards;
• Restrict access to authorized personnel only;
• Comply with applicable data protection laws.
We remain responsible as Data Controller for ensuring lawful processing.
10. Cross-Border Data Transfers
Some service providers may process or store personal data outside Jamaica. Where this occurs, we implement appropriate safeguards including contractual protections, confidentiality clauses, and security controls to ensure compliance with the Data Protection Act, 2020.
11. Data Security
We implement appropriate technical and organizational safeguards to protect personal data, including:
• Encryption of data during transmission and where applicable at rest;
• Role-based access controls and authentication systems;
• Secure cloud storage environments;
• Periodic review of access permissions;
• Employee confidentiality agreements;
• Monitoring and risk management controls;
• Business continuity and disaster recovery procedures.
12. Data Retention
Personal data is retained while you are a customer and for a minimum of seven (7) years after the end of the relationship, or longer where required by law or regulatory obligations. Data may be securely destroyed or anonymized when no longer required.
13. Contact Us
Chief Privacy Officer – Friend & Company Financing Limited
Technology Innovation Centre
237 Old Hope Road, Kingston 6
Email: info@friendandcompanyfinancing.com
Telephone or WhatsApp: 876-202-4362 | 876-250-1535
14. Updates to This Privacy Notice
This Privacy Notice may be updated periodically. The latest version will always be available on our website.
This notice was last updated in March 2026.