Privacy Notice for Members

Introduction

JPS & Partners Co-operative Credit Union Limited (‘the Credit Union’) respects your concerns about privacy. We ensure that the processing of your personal data is compliant with the Data Protection Act and any country-specific data protection laws and regulations to the extent applicable to the Credit Union.

We have prepared this Privacy Notice to describe to you our practices regarding the personal information we collect from our members and users of our website. This Privacy Notice applies to the personal data that we collect and handle when you use our website, when you subscribe to our newsletter, take part in a survey, access our products and services, or any other marketing initiatives.

For the purposes of this Privacy Notice, “personal data” means any information relating to an identified or identifiable individual such as: name, address, telephone number as well as any non-public information that is associated with any of these.

What data does the Credit Union collect?

Data We Collect:

• Identity data: name, username, identification details, Personal Identification Number (PIN), photo, marital status, race, nationality, age, title, date of birth and gender, Tax Registration Number, signature.
• Contact data: residential (home) address, telephone numbers, mailing/postal address, email address.
• Financial data: bank account details, financial status and history of transactions, borrowings, debit card details, and receipts.
• Transaction data: transaction details on your accounts and other details of products and services conducted with us.
• Technical data: login identity data, internet protocol (IP) address, and other technology on the devices you use to access our systems.
• Employment/Income Data: employment letters, pay slips, source of funds, and source of income.
• Usage data: information about how you use our website, products, and services.
• Marketing and communications data: preferences in receiving marketing information from us and communication preferences.
• Visitors’ personal information: identification details of visitors to our premises (e.g., name, Identification Card, photograph).
• Biometric data: images, voice, and other similar information, surveillance footage by CCTV cameras on our premises.
• KYC and other Data: beneficiary information, references, politically exposed information, beneficial owner’s information.
• Minors’ personal information: collected/processed with the consent of the parent/guardian.
• Employee Information: job application details, employment contract, performance appraisals, background checks, salary information, communications to and from the employee.
• Data collected through interactions: correspondences (electronic, verbal, or written), records of current or past complaints.

Data We Automatically Collect:

Like many websites, our website uses cookies to optimize functionality and to give you the best possible experience. We also automatically collect information when you visit our website such as the IP address of your device, browser type and version, operating system, other software installed on your device, and mobile platforms and your device’s geo-location.

How do we collect Personal data?

• Information you provide via our website, Social Media Network, or Events: Personal Data you send or provide via our website, social media network, or when registering or attending an event.
• Information you provide when accessing our Services: Information you provide directly to access products and services, e.g., applying for membership, opening an account, or transacting at our offices.
• Third Parties: Personal Data from public/non-public sources and third parties for regulatory purposes or better service, e.g., Credit Bureaus, references, financial institutions, regulatory bodies.

How do we use your Personal Data?

• Provide our products and services.
• Process and complete transactions, and send related information including transaction confirmation and records.
• Verify the members’ identity, creditworthiness, and accuracy of information provided.
• Create members’ accounts and process loans.
• Manage members’ use of services, respond to inquiries and comments, and provide customer service and support.
• Send alerts, updates, security notifications, and administrative communications.
• Investigate and prevent fraudulent activities, money laundering, unauthorized access to services, and other illegal activities.
• Conduct internal research, market products to members, and communicate with them.
• Improve the Credit Union’s website, application, promotions, payment systems, and other services.
• Improve overall member experience and ensure compliance with legal and regulatory obligations.
• For any other purposes which we notify members and users.

What are our legal bases for processing your personal data?

• Your consent (removable by contacting the Data Protection Officer).
• We have a contractual obligation.
• We have a legal obligation.
• We have a vital interest.
• We need it to perform a public task.
• We have a legitimate interest.

How do we share and disclose data to third parties?

• Sharing Personal Data with your consent to complete a transaction or provide requested services.
• Links to third-party sites are not under our control or responsibility.
• Sharing with third-party vendors and other entities (e.g., professional advisors, service providers, regulatory bodies, law enforcement).

For more details, please contact our Data Protection Officer at [email protected].

How we store your personal information

Your information is securely stored. We retain it for seven years or longer if required by legal, regulatory, or technical reasons. Disposal is done by shredding and deletion.

Security

We use appropriate measures to protect Personal Data but cannot guarantee absolute security.

Your Privacy Rights and Choice

You have rights under the Data Protection Act, including access, modification, deletion, and objection to processing. Contact the Data Protection Officer at [email protected].

Notifiable data breaches

We take data breaches seriously and comply with the Data Protection Act’s requirements for breach notification.

Children’s privacy

Services are not offered to persons under 18 without consent. Contact us for concerns regarding children’s data.

Changes to the Privacy Notice

We update this notice periodically. Last updated on [insert date].

Contact Us

Contact our Data Protection Officer: [email protected], (876) 618-9880.

Direct Marketing

To unsubscribe from marketing communications, email [email protected].

Office of the Information Commissioner

Contact details: The Masonic Building (2nd Floor), 45-47 Barbados Avenue, Kingston 5, Jamaica. Email: [email protected]