Privacy Policy

Effective Date: September 4, 2026

Plummers Financial Limited* ("we", "us", "our") operates the website [https://www.plummersfinancialslimited.com/] and provides payday loans and financial services. We respect your privacy and are committed to protecting your personal data.

1. Information We Collect
We collect information you provide and information we collect automatically:
- Personal Information: Name, date of birth, national ID/TRN, address, phone number, email
- Financial Information: Bank account details, income, employment information, credit history
- Loan Information: Loan application details, repayment history, loan amount
- Website Data: IP address, browser type, cookies, pages visited

2. How We Use Your Information
We use your data to:
- Process loan applications and verify your identity
- Assess creditworthiness and prevent fraud
- Manage your loan account and payments
- Communicate with you about your account and services
- Comply with legal and regulatory requirements in Jamaica
- Improve our website and customer service
- Send marketing communications if you opt in

3. How We Share Your Information
We do NOT sell your personal information. We may share it with:
- Credit Bureaus and fraud prevention agencies
- Payment processors and banking partners
- Regulatory authorities as required by law
- Service providers who help us operate our business under confidentiality agreements
- With your consent

4. Data Security
We use encryption, secure servers, and access controls to protect your data. However, no website is 100% secure.

5. Data Retention
We retain your information for as long as your account is active and for up to 7 years after to comply with financial regulations, unless the law requires otherwise.

6. Your Rights
You have the right to:
- Request access to your personal data
- Request correction of inaccurate data
- Request deletion, where applicable
- Opt out of marketing emails
- File a complaint with the relevant data protection authority

7. Cookies
Our website uses cookies to improve user experience. You can disable cookies in your browser settings.

8. Third-Party Links
Our site may contain links to other sites. We are not responsible for their privacy practices.

9. Changes to This Policy
We may update this policy. We will post changes on this page with a new effective date.

10. Contact Us
If you have questions about this policy or your data:
Plummers Financial Limited
Telephone: (876) 373-3908
WhatsApp: (876) 560-5792
Email: info@plummersfinancialslimited.com

---