Privacy Notice for Niche Financing Limited

Effective Date: January 17 2025

Niche Financing Limited is committed to safeguarding the privacy of our customers and ensuring that personal data is handled in a secure and responsible manner in accordance with the Jamaica Data Protection Act, 2020.

This Privacy Policy explains how we collect, use, store, and protect your personal information when you visit our website or apply for any of our loan products or financial services.

    1. Information We Collect

      In order to assess your loan application and provide financial services, Niche Financing Limited may collect and process the following personal information:

    • Full Name
    • Contact Information (telephone number, email address, residential address)
    • Date of Birth
    • Employment Information
    • Income and Salary Details
    • Banking and Financial Information
    • Identification Information
    • Loan Application Details
    • Reference or Guarantor Information
    • Any additional information voluntarily submitted through our application forms or communication with us
  1. Purpose of Data Collection

    We collect your personal data for the following purposes:

    • To assess your eligibility for our loan products and services
    • To verify your identity, employment status and financial capacity
    • To process your loan applications and manage your accounts
    • To conduct internal affordability and risk assessments
    • To communicate with you regarding your inquiries, applications and transactions
    • To comply with legal and regulatory requirements
    • To prevent fraud and financial crime
    • To share relevant information with authorized credit bureaus or financial institutions where required
    • To enforce repayment obligations and recover outstanding debts
    • To maintain internal records and administrative functions relating to your loan agreement
  1. Legal Basis for Processing

    Your personal data is processed based on:

    • Your consent
    • The performance of a contractual obligation
    • Compliance with legal and regulatory requirements
    • Our legitimate interest in conducting responsible lending and risk management practices
  1. Disclosure of Personal Information

    Niche Financing Limited may disclose your personal information to:

    • Credit Bureaus
    • Financial Institutions
    • Regulatory Authorities
    • Legal or Compliance Agencies
    • Debt Collection or Recovery Agencies
    • This will only occur where necessary for the processing of your loan application or where disclosure is required by law.
    • We do not sell or rent your personal information to third parties.
  1. Security of Personal Information

    We implement appropriate technical and organizational measures to protect your personal data against unauthorized access, loss, misuse, alteration or disclosure. All personal information collected through our website or application process is handled in a secure and confidential manner.

  1. Data Retention

    Your personal information will be retained only for as long as necessary to:

  • Fulfil the purpose for which it was collected
  • Satisfy legal, regulatory and reporting obligations
  • Resolve disputes
  • Enforce contractual agreements
  1. Your Rights

    In accordance with the Jamaica Data Protection Act, you have the right to:

  • Request access to your personal data
  • Request correction of inaccurate or incomplete information
  • Request deletion of your personal data (where applicable)
  • Object to or restrict certain types of processing

Requests may be submitted using the contact information below.

  1. Cookies

    Our website may use cookies or similar technologies to enhance user experience and improve website functionality.

  1. Updates to This Policy

    Niche Financing Limited reserves the right to update this Privacy Policy at any time to reflect changes in legal or regulatory requirements. Updates will be posted on this page.

  2. Contact Information

    Contact us if you have any questions or concerns about this Privacy Notice or our data practices, please contact us at:

Niche Financing Limited
Data Protection Officer
94 Constant Spring Road, Kingston 10
Email: [email protected]
Tel: 876-260-4582

Thank you for choosing Niche Financing Limited. We are committed to protecting your privacy and ensuring your personal data is handled responsibly. By using our website or submitting an application, you consent to the collection and use of your personal data in accordance with this Privacy Policy.