Privacy Policy

At Niche Financing, we respect and protect the personal information of our clients. This privacy notice explains how we collect, use, store, and handle your data in a transparent and easy-to-understand manner. The following succinctly describes our methodology: The appropriate parties are making the appropriate uses of the appropriate personal data.

This privacy notice applies to:

• ⁠Past, present, and prospective clients of Niche Financing (“Data Subjects”)
• Partnerships, limited partnerships, general partnerships, sole proprietorships, and contact persons or legal representatives of our corporate clients.

Gravatar Service: If you comment on our site, an anonymized string (hash) created from your email address may be provided to the Gravatar service to check if you’re using it. Please review Gravatar’s privacy policy: https://automattic.com/privacy/.

Comment Policy: After approving your comment, your profile picture will be publicly visible in the context of your comment.

Personal data: information that can be used to identify or connect a natural person is considered. The following personal information about you may be processed by us in our interactions with you: Name First, Last, Middle, Aliases and Social Media(marketing) Occupation Data: Occupation, Current employer, Employment history, References, Marital status.

Biographic Data: Date of Birth, Birth certificate, Age, Gender

Contact Details: Address( Work, Home and Previous) Email( (personal, work( employee)) Length of time at current residence.

Telephone number: Home, mobile/cell and work.

Identification data: Driver License, National ID, Utility Bill, Passport, Taxpayer Registration Number(TRN) and Work ID.

You interact with Niche: on Google+, YouTube, Facebook, Instagram, LinkedIn, and X (previously Twitter). We monitor online comments, postings, likes, and responses pertaining to Niche.

All of the financial and personal data that we gather and retain about you or your company is referred to as your information. Process your loan application and determine your eligibility for a loan, Verify your identity and creditworthiness, Provide loan servicing and collection activities,
Comply with legal and regulatory requirements and offer you other financial products and services
information that we collect from the technology you use to access our services (such as IP addresses, phone numbers, and location data from your mobile device) and how you use it (such as pattern recognition); information that we collect when you use our websites, online banking, mobile banking apps, or web chat services using cookies or other similar tracking tools (like pixels).

Cookies for advertising or targeting purposes, or similar technologies, may also be used to monitor how you respond to specific messages, ads, or forms. This helps us make sure you see the most relevant content when you visit our website in the future. When executing email campaigns, we can also monitor delivery and record the opening and clicking of links in the emails. (We do not trace a user’s activities after clicking a link). When photos in an email are active, for example, URLs are immediately downloaded to the email and recorded to build these tracking logs.

Data gathered from publicly accessible sources, including the media, voter registration, tax administration databases, business registrations, internet search engines, and information shared openly on social media platforms (like Facebook and Instagram).

We share your personal information with: Credit reporting agencies to determine your creditworthiness, Third-party loan servicers and collectors Regulatory agencies to comply with legal requirements, Sagicor Loan Insurance and Third-party vendors to assist with loan processing and servicing.

In order to ensure that transfers of personal data to parties outside of the regions in which we operate comply with the necessary data protection law, we, among other things, rely on the following: our obligations based on applicable laws and regulations; where applicable, we use standard clauses in agreements with service providers; where transfers are made within the Niche Financing Group, those transfers are governed by binding corporate rules, policies, and/or agreements.

You recognize and accept that your information may be sent to, collected, utilized, shared, and kept solely in Jamaica.

We take the necessary organizational and technical precautions to guarantee the integrity and confidentiality of your personal data processing.

To protect your personal information, we use minimal standards and an internal policy framework across Niche Financing. New laws and market advancements are frequently taken into account when updating the policies and standards.

Employees of Niche Financing are also required to respect confidentiality and are not permitted to process your personal data in an unauthorized or unnecessary manner. If you have any suspicions that your personal information has been compromised, please get in touch with Niche Financing.

You aid us in maintaining the security of your personal information in this way.

We are required by law and regulation to retain personal data for a specific amount of time. Depending on the relevant legislation, the retention time may range from a few months to several years.

We destroy your personal data or aggregate it at a particular level of abstraction (aggregation), anonymize it, or delete it in accordance with laws and regulations when it is no longer needed for a process or activity for which it was originally gathered.

You have the following rights, if available and in compliance with the relevant regulations:

To access: You can get a copy of your personal data at a cost as well as information on how your data is processed.

To correct: You have the right to ask that any incomplete or erroneous personal information about you be changed.

To erase: To the extent allowed by law, you have the right to request that your personal data be deleted.

To restrict: You have the right to ask that the processing of your personal data be stopped under specific conditions.

To object: To the processing of your personal data on the basis of reasons specific to your case. You have the right to object to the processing of your personal information for direct marketing, including any associated profiling, at any time.

Withdrawing consent: If you have granted permission for the processing of your personal data, you are free to do so at any moment, provided that it complies with all legal, regulatory, and contractual obligations.

Data portability: You have the legal right, if relevant, to request that the personal information you have given us be sent back to you or, where it is technically possible, transferred to another party.

Please contact the appropriate Data Protection Officer, who is mentioned in the pertinent section below, by letter or email if you would want to exercise any of the rights mentioned above. In certain cases, you might have to pay a charge or submit the request in a specific format. When necessary, please enclose a scan or copy of your identity proof for identification purposes.

Apart from the aforementioned rights, you have the ability to file a complaint with the Information Commissioner, who is the data protection authority designated under the Data Protection Act, 2020, as per the relevant regulations.

You have the option to prohibit us from using your information for marketing purposes. If you are a current client, we will only get in touch with you if you have given us permission to do so. Subsequently, we may utilize your data to educate you about related goods and services that could be of interest to you.

If you are a client, we might share information about you with other members of the Niche Financing Group so that you or your family members can learn about other products and services that might be of interest to you. However, we will only do this with your permission. You have the option to unsubscribe from our contact list at any time by contacting us using the information provided below.

Any activity that involves taking videos and pictures of and with our customers, representatives from the Marketing Department will be required to distribute a talent release form that each person is required to sign to grant us consent to use the footage before the content is released on any of our social media platforms.

You may always follow the unsubscribe instructions found in every email if you would like to stop receiving emails from us. If not, you can always get in touch with us to change your contact choices using the information provided below. When such technological capabilities are available, we will continue to send you service-related (non-marketing) communications as needed.

To gather information about you, we use third-party advertising technologies, which may include placing cookies or tiny text files on our website or using pixels in emails. Utilizing this technology allows us to present material when you are surfing elsewhere and optimize what you may view on our websites. We might also get data about how you use other websites. We do this to enhance our own goods and services and to show you advertisements that we think might be of interest to you. Please refer to our Cookie Policy for more details about cookies and other technologies we use on our website, as well as how to manage cookies.

Data Protection Officer Details

You can get in touch with the Data Protection Officer by phone:876-260-4582 or email: [email protected]

Click link below to download form:

Data Subject Access Request Form (DSAR) Niche Financing