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At Friend & Company Financing Limited, we prioritize the protection of your personal information. This Customer Privacy Notice pertains to the personal data managed by Friend & Company Financing as Data Controllers under the Data Protection Act 2020 (“the DPA”). This notice explains what data we collect about you, how we use it, with whom we share it, the conditions for sharing, and your rights regarding this data. It also outlines the measures we take to ensure your data remains private and secure. This notice remains effective even after your services with us have ended.

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 mention “we,” it refers to Friend & Company Financing and its subsidiaries, which handle your personal data.

Data We Collect

At Friend & Company Financing Limited, we collect only the information necessary to provide our services to you. This information is usually provided directly by you (for instance, when applying for a loan product). The data we may collect includes:

  • Personal details (e.g., name, date of birth, identification information).
  • Contact details (e.g., address, phone number, email address).
  • Identity verification information (e.g., tax registration number, national ID card, driver’s license).
  • Proof of Income/Assets (e.g., payslips, bank statements, motor vehicle and property titles).
  • Employment proof.
  • Character references.
  • Additional information provided through forms or communication via face-to-face meetings, phone, email, or online.

If any information is uploaded to our systems in relation to our services, it is retained according to our Data Retention Policy.

Your Rights

You have several rights regarding your personal data, including the right to:

  • Be informed about how your data is processed.
  • Request access to your data.
  • Consent and withdraw consent.
  • Request data correction or rectification.
  • Object to data processing.
  • Request data transfer.
  • Ensure your data is not subject to automated decision-making only.

The ability to exercise these rights depends on various factors. In some cases, we may not be able to fulfill your request (e.g., if we have a legitimate reason or the right does not apply to the specific data we hold). For more information or to exercise your rights, contact us at info@friendandcompanyfinancing.com.

Your Responsibilities

You are responsible for providing accurate and up-to-date information and notifying us of any changes as soon as possible.

Purpose and Legal Basis for Data Use

At Friend & Company Financing Limited, we use the data collected from you for several purposes, including:

  • Providing, operating, and maintaining our services.
  • Processing and completing transactions.
  • Sending notifications and payment reminders.
  • Providing updates related to our services.
  • Managing your use of our services, responding to inquiries, and offering customer support.
  • Investigating and preventing illegal activities.
  • Conducting credit checks.
  • Managing risks to ensure security and business continuity.
  • Recovering debts owed to us.

Legal Basis

We require a legal basis to process your personal data. Typically, the legal basis will be one of the following:

  • To perform necessary actions for providing the requested product or service (e.g., creating customer accounts, processing transactions);
  • To fulfill our legal obligations (e.g., verifying identity to meet anti-money laundering regulations);
  • To protect our legitimate interests (e.g., understanding how customers use our services to improve and develop new services); or
  • With your consent to use your data.

Compliance with Legal and Regulatory Obligations

We may use your information to meet compliance requirements. Additionally, we may share your information with regulators and government bodies when necessary. This could involve using your data to detect or prevent crime (including terrorism financing, money laundering, and other financial crimes). We will only share your data when required to comply with legal requirements or to protect our legitimate interests or those of others.

Marketing

We may use your data to inform you about our products and services. Marketing messages may be sent via email, telephone, text, secure messages, or social media. You can opt-out of marketing communications at any time by contacting our marketing department at info@friendandcompanyfinancing.com. If you opt-out, it may take a short period to update our systems. During this time, you may still receive marketing messages. However, we will continue to send you important notifications related to your services or to comply with regulatory obligations.

Data Sharing

Your data will remain confidential, but we may share it with third parties who are also required to keep it secure and confidential. Data may be shared with:

  • Payment processing service providers and other businesses that assist with processing payments.
  • Government agencies such as the Tax Administration of Jamaica, Stamp Office, National Land Agency, Real Estate Brokers, etc.
  • Debt collectors or recovery agencies assisting with recovering collateral due to loan defaults.
  • Regulatory bodies such as the Bank of Jamaica, the Financial Service Commission, or Financial Investigations Division.
  • Auditors analyzing our records for business purposes.

Data Retention

We retain your data according to our Data Retention Policy. Your personal data is kept for as long as you are a customer. After our relationship ends (e.g., account closure, product application refusal, or decision not to proceed), we retain your data for an appropriate period, typically seven (7) years, to comply with legal and regulatory requirements or for legitimate purposes, such as managing your account and addressing any disputes. In some cases, we may need to keep your information longer to comply with regulatory or legal obligations or to detect and prevent fraud. If not required for this length of time, data may be destroyed, deleted, or anonymized sooner.

Data Security

We implement a range of measures to protect your data, including encryption and other security protocols. Our staff and any third parties working with us are required to adhere to compliance standards and protect any data used or transferred.

Contact Us

For any questions regarding our privacy notice, contact our Chief Privacy Officer at:

Friend & Company Financing Ltd.
Technology Innovation Centre
237 Old Hope Road, Kingston 6
Email: info@friendandcompanyfinancing.com
Telephone: 876-202-4362 or 876-250-1535

If you are dissatisfied with our handling of your privacy, please send an email to info@friendandcompanyfinancing.com addressed to the Chief Privacy Officer

Updates to This Privacy Notice

This Privacy Notice may be updated periodically. We encourage you to check back regularly for any changes.

This notice was last updated in November 2025.

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