Privacy Policy

Unicomer (Jamaica) Limited and Bluestart Capital (Jamaica) Limited (collectively, “Unicomer Jamaica”) is committed to respecting the privacy of our customers, third-party vendors and all individuals who provide personal data to Unicomer Jamaica. As part of our commitment to protecting your privacy and comply with our data protection obligations under the Data Protection Act, 2020 of Jamaica and other applicable laws, we have developed this Privacy Policy (the “Policy”) to outline to you how we protect the personal data you have provided to us.

This Policy applies to all personal data you may provide to us, and information that we collect from our customers, or any other person who may interact with us. It outlines:

  • What data we might collect about you

  • How we might use that data

  • When we might use your details to contact you

  • What data of yours we might share with others

  • Your rights in relation to the personal data you give us.

 

WHAT DOES THIS POLICY COVER?

This Policy covers all services or products offered by all brands within Unicomer Jamaica, that is, Courts, Courts Ready Cash, Lucky Dollar, Courts Optical and Ashley under which Unicomer Jamaica conducts business in Jamaica. This policy applies to you when you are in Jamaica.

The companies identified within Unicomer Jamaica are the controllers for the purposes of this Policy. This means that we are responsible for deciding how your personal data is used and ensuring that it is used in compliance with applicable data protection law. Sometimes, we may work with other companies to decide how your personal data is used. In those scenarios, we are joint controllers with these companies because we jointly determine the purposes and means of processing your personal data.

If you have any comments, queries, or questions about this Policy, feel free to contact us at dpojm@unicomer.com

  1. PERSONAL DATA THAT WE PROCESS

    We collect the following information from you, directly and through third parties. The following table explains the types of data we collect and the legal basis, under current data protection legislation, on which this data is processed.

    Personal Data: For example: name, driver’s license number, passport number, photo

    ID, TRN, social security number, NIS, voter’s identification

    Contact Details: For example: email address, telephone numbers, residential address, mailing address

    Employment Information: For example: employment status, employer name and address, nature of self-employment, type of business, salary and benefits, employment history

    Demographic Details: For example: date of birth, gender, age, nationality marital status

    Financial Information: For example: credit report, credit card statement, bank statement, income, expenses, PEP status, and other AML KYC data as required by law

    Payment Information: For example: credit or debit card details, bank account information, to the extent that it identifies you.

    Background Check Information: For example: sanction list checks

    Account Login Credentials: For example: username and password

    Health Information: For example: medical history, health status and outcomes of medical reports, family medical history,

    Electronic Communications Data: For example: IP address, geographic location, operating system, and browser type, when you visit our sites or use our online services.

    Image: For example: CCTV surveillance in our stores may capture your image and likeness on camera.

    Religious beliefs: We may receive information about your religious beliefs specifically as it relates to your delivery preferences and timelines.

    .

  2. HOW YOUR PERSONAL DATA IS COLLECTED

    We collect most of this personal data directly from you (in person), by telephone, letter, or email and/or via our website. However, we may also collect information:

    • when you register and/or attend any of our events, webinars, or the conferences we host, sponsor or/are represented;
    • from publicly accessible sources, e.g. Tax Administration of Jamaica and other government authorities or social media websites;directly from a third party, e.g.:sanctions screening providers; credit reference agencies; customer due diligence providers;
    • from a third party, which may be with your consent or pursuant to a legal obligation, e.g. banks or building societies;
    • through our IT systems, e.g.:
      • automated monitoring of our websites and other technical systems, such as our computer networks and connections;
      • CCTV and access control systems, including in our branch;
      • communications systems, such as call recordings; and
      • email and instant messaging systems.
      • from cookies on our website – for more information on our use of cookies please see section 11 of this Policy.

  3. ACCURACY OF YOUR INFORMATION

    We rely on the availability of accurate personal information to provide services to you and operate our business. You should therefore notify us of any changes to your personal information, such as changes concerning your contact details or any other information that may affect the proper management and administration of the services, we provide to you.

  4. WHY DO WE PROCESS YOUR DATA

    Under data protection law, we can only use your personal data if we have a valid purpose for doing so. We may process your personal data for the following purposes:

    • To provide you with retail of goods or our services
    • To deliver any goods to your designated location, and verify your location
    • To enable our Contact Centre to initiate the resolution of any issues you may raise in the provision of our goods or services
    • To process any payments or refunds to you
    • To process and investigate any complaints or queries you may have about our goods or services
    • To process and enable any service request relating to any of our goods
    • To initiate any collections, debt recovery efforts or litigation against any defaulting customer, as may be necessary
    • To assess your medical needs for the provision of prescription eyewear and other ophthalmic needs
    • To share information with a contracted optometrist to provide you with prescription eyewear
    • To assess your suitability for any credit facility or retail finance which you have requested
    • To collect information on behalf of our remittance partners
    • To carry out “Know Your Customer” due diligence checks including data validation and verification,
    • sanction checks, credit reference checks and other customer acceptance, vetting and risk management checks as required under anti-money laundering law.
    • To capture your image and likeness through CCTV surveillance systems, which monitors and records activities at our properties to maintain a safe and secure environment for our employees, customers and visitors to our properties.We may also, with your consent, use your personal data to contact you about products, services and special offers from us or our affiliates that may interest you. While we may process personal data with your consent, you have the right to withdraw consent to processing for specific purposes, as outlined below. We will only do this with your consent, and you have the right to withdraw consent. While we may process personal data with your consent, you have the right to withdraw consent to processing for specific purposes, as outlined below.

  5. LAWFUL BASES FOR PROCESSING

    We must have a valid reason to use your personal information. This is called the “lawful basis for processing”.

    Consent

    Where we process your personal data with consent, you may choose whether you wish to provide us with the information we request, or not. You are free to choose to provide your information or not and, you may choose to withdraw your consent at any time after. If you wish to withdraw your consent at any time, please contact dpojm@unicomer.com with your request. We will collect your consent through any forms or agreements you may sign with us.

    Most times we will ask for your consent to process your personal information. Other times, when you may reasonably expect us to use your personal data, we may do so without your consent. Where we do not obtain your consent, we will only use your personal information when we have one or more of the following lawful bases for processing:

    Performance of a contract

    Where the processing is necessary for the performance of our contract with you to provide you with products and/or services (for example, cash and credit transactions, delivery of goods, open accounts, maintain account details, perform administrative tasks, and provide services to fulfil our obligations in the contract with you etc );

    Legitimate interests

    The collection and use of some aspects of your personal information is necessary to enable us to pursue our legitimate commercial interests.

    Where we rely on this lawful basis to collect and use your personal information, we shall take appropriate steps to ensure that the processing does not infringe on the rights and freedoms granted to you under the applicable data privacy laws.

    Processing for our legitimate interests includes:

    • improving suitable products and/or services
    • CCTV surveillance on our properties)
    • preventing fraud
    • ensuring network and information security of our systems
    • operating our business and managing and developing our relationships with you
    • intra-group administrative transfers
    • understanding how you use our products, services and websites and effecting improvements. Administration of justice

    Where we rely on this lawful basis, we may be processing personal data in order to facilitate the administration of justice. This may occur when we initiate any legal action against a defaulting customer or when we are legally required to provide information or allow access to law enforcement and other governmental authorities/agencies.

    Medical purposes

    For Courts Optical, we may process sensitive personal data through contracted health professionals in order to provide you with eye examinations and treatment, and to offer you prescription eyewear.

    Legal obligations to which we are subject

    We are required by law to collect and process certain personal information about you, when you apply for a product or service, and on an ongoing basis. This is where the processing of your personal data is necessary for compliance with a legal obligation to which we are subject (for example, our obligations under the Proceeds of Crime Act and Terrorism Prevention Act, where we are required to collect information about your identity (Know Your Customer)).

    Please note that if we are not provided with this information, it may not be possible for us to continue to operate your account or provide services to you, given that we are legally required to collect this information.

  6. WHEN DO WE SHARE YOUR DATA

    There may be instances where we may share your personal data to third parties. We may share your personal data, in the following limited circumstances, with:

    • companies within Unicomer Group;
    • contractors we engage to help us run our business, e.g. marketing agencies, bailiffs, debt collection agencies, delivery drivers, technicians or website hosts;
    • banks to help trace funds where you are a victim of suspected financial crime and you have agreed for us to do so, or where we suspect funds have entered your account because of a financial crime;
    • credit reference agencies; our insurers, brokers and other professional advisers;
    • regulatory bodies or government authorities or executive agencies, as may be necessary to record any security interest we may have, to notify any pending insolvency or bankruptcy proceedings, or in accordance with any regulatory requirement;
    • our payment protection insurers
    • fraud prevention agencies if false or inaccurate information is provided and/or fraud is identified or suspected.
    • Law enforcement agencies and other organisations to report any suspected crime in accordance with anti-money laundering regulations or as part of a criminal investigation
    • external auditors where necessary for the conduct of company audits.
    • remittance partners in order to facilitate a remittance service to you
    • in the event that any additional authorised users are added to your account, we may share information regarding any indebtedness, about the use of the account by any authorised user with all other authorised users.

      We may also disclose health information for the following purposes:

    • For Treatment. We may disclose health information about you to doctors, nurses, technicians, staff or other personnel who are involved in taking care of you and your health.

    • For payment. We may use and disclose health information about you so that the treatment and services you receive at Unicomer Jamaica may be billed to and payment may be collected from you, an insurance company or a third party.

    • For Health Care Operations. We may use and disclose health information about you in order to run Unicomer Jamaica and make sure that you and our other patients receive quality care.

  7. INTERNATIONAL TRANSFER OF YOUR INFORMATION

    We may transfer personal data that we collect from you to our third-party data processors, vendors, remittance partners or hosting partners acting on our behalf located in countries outside of Jamaica or to other entities in our group of companies, such as El Salvador, where our headquarters are located, in connection with the purposes set out above. We may transfer your personal data to data processors located in Caribbean, USA, UK, the EU or Canada. In particular, we may make such transfers to offer, administer and manage the services provided to you, to improve the efficiency of our business operations, in keeping with your directives and to comply with a legal duty to do so.

    All our third-party service providers are required to take appropriate security measures to protect your personal information in line with our policies, and we require them to have data processing agreements with us. We do not allow our third-party service providers to use your personal data for their own purposes. We only permit them to process your personal data for specified purposes and in accordance with our instructions and our established procedures..

    If you would like further information, please contact our Data Protection Officer dpojm@unicomer.com

  8. HOW LONG WE KEEP YOUR DATA

    We take the principles of data minimisation and removal seriously and have internal policies in place to ensure that we only ever ask for the minimum amount of data for the associated purpose and delete that data promptly once it is no longer required.

    We normally keep customer account records for up to five years after your relationship ends, then the information is securely destroyed. We may also keep your data for longer than five years if we cannot delete it for legal, regulatory, or as necessary to resolve disputes and enforce our agreements.

  9. AUTOMATED DECISION MAKING

    The information we have for you is made up of what you tell us, and data we collect when you use our services, or from third parties we work with. When you apply for a loan or any other form of credit, we will need to assess your creditworthiness based on a number of factors. We may use an automated decision- making process for that decision.

    We and other organisations acting to prevent fraud may process your personal information in systems that look for fraud by studying patterns in the data. We may find that an account is being used in ways that fraudsters work. Or we may notice that an account is being used in a way that is unusual for you. Either of these could indicate a risk that fraud or money-laundering may be carried out against a customer, us or the insurer.

    In the above circumstances, we use a number of factors to make a decision in relation to you, which may include automation. However, this is not the sole basis of our decisions. In all cases you have the right to have that decision explained to you and if necessary, have the information corrected that made the decision.

  10. RIGHTS YOU HAVE OVER YOUR DATA

    We aim to maintain data that is accurate and up-to-date. Under the circumstances that your personal data changes (e.g. moving addresses), please notify us of any changes or update your data.

    You have the legal right to the following:

    • to be informed as to whether we process your personal data;
    • request all personal data we have collected about you, if any;
    • request the transfer of your personal data to another organisation;
    • request rectification of any errors or omissions in the personal data we have collected about you;
    • object to the processing of your personal data for the purposes of direct marketing at any time;
    • prevent the processing of your personal data outside the scope of your consent; and
    • assurance that no decisions having significant impact on you are processed by automated means only.To exercise these rights, please contact us via email, mail, or phone as indicated below in the “Contact Information” section.

  11. OUR USE OF TECHNOLOGY

    While you are using our any of our technology online or offline, we automatically process certain personal information, such as CCTV, foot traffic, visits to our websites or mobile app. We use this information to find out which areas of our business being it retail or websites people visit most and to monitor our capacity to serve our traffic across the business. This helps us to add more value to our services.

    CCTV at Unicomer Jamaica sites and retail stores

    We use CCTV surveillance systems to monitor and record activities at our properties and premises (including our workplace and logistics and retail centre premises), the main purpose of this is to maintain a safe and secure environment for our employees, customers and visitors to our premises.

    We also use the data collected from our CCTV surveillance systems to maintain or improve our properties, premises and services; we may do this by:

    • for security and risk management, loss prevention, incident investigation purposes and other purposes set out in this Policy, or as permitted by the law.
    • collecting and analysing customer behaviour;
    • monitoring patterns of foot traffic; and
    • analysing shopper demographics and browsing habits.
      • when used for these purposes the data is aggregated anonymously. We do not identify individuals for these uses.We securely discard the data collected from our CCTV surveillance systems when it is no longer required for business or legal purposes.

        Free Wi-Fi service

        We offer a free Wi-Fi network service at certain retail stores.

        If you are carrying a Wi-Fi enabled device within range of one of our Wi-Fi networks, we may pick up certain data that is transmitted from your device whether or not you join our Wi-Fi network, including:

    • your device ID, device type, IP address and MAC address;
    • geo-location information and any movement of your device throughout our premises;
    • any other information which you may voluntarily provide to us while accessing our Wi-Fi networks,If you do not want this information collected, you can disable Wi-Fi and Bluetooth on your device/should not sign into the Wi-Fi network.

      COOKIES

      When you visit any website, it may store or retrieve information on your browser, mostly in the form of cookies. A cookie is small pieces of text that is saved on your Internet browser when you use our websites. The cookie is sent to our computer each time you visit our websites. Cookies make it easier for us to give you a better experience online. This information might be about you, your preferences or your device and is mostly used to make the site work as you expect it to. The information does not usually directly identify you, but it can give you a more personalized web experience. Because we respect your right to privacy, you can choose not to allow some types of cookies. You can adjust your preferences in the banner on our website, but if you do, some parts of our websites or online services may not work.

      USE OF THIRD PARTIES COOKIES

      We may use third party providers, such as Social Media Channels, Adobe Analytics and Google Analytics, to help collect and compile information like the number of visitors to our site, where visitors have come to the site from and the pages they visit. Our third-party providers may also use cookies to deliver advertisements that are more relevant to you and your interests and to help measure the effectiveness of an advertising campaign. Interest-based advertising allows us to deliver advertisements that are more relevant to you and your interests. It works by showing you advertisements that are based on your browsing patterns and the way you have interacted with this and other sites.

      These third parties may collect your IP address or device identifier on the date you visit a site, but not your name or other identifying information. We do not combine information collected using these third-party providers with other personal information we may have about you. Third party providers have their own cookie and privacy policies. Google’s ability to use and share information collected by Google Analytics is restricted by the Google Analytics Terms of Service and the Google Privacy Policy.

  12. CONTACT US

    If you have any queries or complaints about privacy, please contact the Data Protection Officer at

    dpojm@unicomer.com . Data Protection Officer

    Kimone Singh

    Unicomer Jamaica Data Protection Officer 10 Oxford Road

    Kingston 5, Jamaica

    E-mail address: dpojm@unicomer.com

    Contact Centre

  13. CHANGES TO THIS PRIVACY POLICY

Unicomer Jamaica reserves the right to reasonably amend this Policy from time to time to ensure that it accurately reflects the way that we collect and use personal information about you. You are encouraged to regularly review this Policy to ensure that you understand how we collect and use your personal information and to see any changes that may have occurred.

This Privacy Policy was last updated on May 28, 2024.