We are committed to protecting our members’ privacy. The credit union requires any information marked as mandatory for membership to either meet legal obligations or to enable us to perform our contract with you. Where you are not able to provide us with this information, we may not be able to open an account for you. Where we request further information about you not required for these reasons, we will ask you for your consent.
C&WJ Co-operative Credit Union may process, transfer and/or share personal information in the following ways:
Confirm your identity;
Perform activity for the prevention of financial crime;
Carry out internal and external auditing;
Record basic information about you on a register of members.
Deal with your account(s) or run any other services we provide to you;
Consider any applications made by you;
Collect sensitive data, such as health information, which will be used only for the purposes of providing financial services;
Carry out credit checks and to obtain and provide credit references;
Undertake statistical analysis, to help evaluate the future needs of our members and to help manage our business;
To send you statements, new terms & conditions (including changes to this privacy statement), information about changes to the way your account(s) operate and notification of our annual general meeting.
Recover any debts owed to us.
Maintain our relationship with you including marketing and market research (if you agree to them).
We will disclose information outside the credit union:
To third parties to help us confirm your identity to comply with money laundering legislation;
To credit reference agencies and debt recovery agents who may check the information against other databases - private and public - to which they have access;
To any authorities if compelled to do so by law;
To fraud prevention agencies to help prevent crime or where we suspect fraud;
To any persons, including, but not limited to, insurers, who provide a service or benefits to you or for us in connection with your account(s);
To our suppliers in order for them to provide services to us and/or to you on our behalf;
To anyone in connection with a reorganisation or merger of the credit union’s business;
Other parties for marketing purposes (if you agree to this).
While Jamaica’s Data Protection Act, 2020 strives to ensure rigorous data protection laws, there are parts of the world that may not be quite so rigorous and do not provide the same quality of legal protection and rights when it comes to your personal information.
The Credit Union does not directly send information to any country outside of Jamaica; however, any party receiving personal data may also process, transfer, and share it for the purposes set out above and in limited circumstances this may involve sending your information to countries where data protection laws do not provide the same level of data protection as Jamaica.
To process the credit applications you make, we will supply your personal information to credit bureaus, and they will give us information about you, such as about your financial history. We do this to assess creditworthiness and product suitability, check your identity, manage your account, trace, and recover debts and prevent criminal activity.
We will also continue to exchange information about you with credit bureaus on an ongoing basis, including about your settled accounts and any debts not fully repaid on time. Credit Bureaus will share your information with other organisations. Your data will also be linked to the data of your spouse, any joint applicants, or other financial associates. This may affect your ability to get credit.
The credit union will need to hold your information for various lengths of time depending on what we use your data for. In many cases, we will hold this information for a period after you have left the credit union.
Your rights under data protection regulations are:
The right to access
The right of rectification
The right to erasure
The right to restrict processing
The right to data portability
The right to object to data processing
Rights related to automating decision-making and profiling
Right to withdraw consent
The right to complain to the Information Commissioner’s Office
Please see our website here: https://www.cwjcu.com/privacy-policy for more information.
For more information about how your rights apply to your membership of the credit union or to make a request under your rights you can contact us at: email@example.com, phone at (876) 936-3800, or mail us at: 51 Half Way Tree Road, Kingston 10, Jamaica W.I. We will aim to respond to your request or query within one month or provide an explanation of the reason for our delay.
Before or at the time of collecting personal information, we will identify the purposes for which information is being collected.
We will collect and use of personal information solely with the objective of fulfilling those purposes specified by us and for other compatible purposes, unless we obtain the consent of the individual concerned or as required by law.
We will only retain personal information as long as necessary for the fulfilment of those purposes.
We will collect personal information by lawful and fair means and, where appropriate, with the knowledge or consent of the individual concerned.
Personal data should be relevant to the purposes for which it is to be used, and, to the extent necessary for those purposes, should be accurate, complete, and up-to-date.
We will protect personal information by reasonable security safeguards against loss or theft, as well as unauthorized access, disclosure, copying, use or modification.
We will make readily available to customers information about our policies and practices relating to the management of personal information.
We are committed to conducting our business in accordance with these principles in order to ensure that the confidentiality of personal information is protected and maintained.