Privacy Policy

This Privacy Policy describes the types of information we may collect from you or that you may provide to us when you visit the OBFFINANCE.COM website or use our services located at any of our lending branches Island Wide (Jamaica) and our practices for collecting, using, maintaining, protecting and disclosing such information. This Privacy Policy applies to information we collect through our Services, in text and electronic messages between you and our Services. This Privacy Policy does apply to any other New Era Finance Limited  (t/a OBF Finance Co) services or any information collected by us offline or via third-party sites that may be accessed through, credit reporting services, reports from references provided, law enforcement records and other including  hyperlinks on our Services.

By accessing or using our Services, whether online or offline you agree to this Privacy Policy.

IF YOU DO NOT AGREE TO THIS PRIVACY POLICY, PLEASE DO NOT ACCESS OR USE OUR SERVICES.

We collect several types of information about visitors and/or users of our Services. We may collect this information either directly when you provide it to us or automatically as you navigate through the Websites or App.

We will collect and process your personal data when you register for a Service/create an account, subscribe to a newsletter, submit feedback, enter a contest, fill out a survey, or send us a communication. When requesting and accessing our services on the Websites or Offline, you may also be asked to provide a credit card number and other payment-related information. Depending upon the activity, some of the information we ask you to provide is identified as mandatory and some as voluntary. If you do not provide the mandatory data with respect to a particular activity, you will not be able to engage in that activity.

We also collect your Internet Protocol (‘IP’) address. We use your IP address to diagnose problems with our servers and/or software, and/or to administer our Services and to gather demographic information.

We may collect certain information that does not by itself identify a specific individual. Such information tells us about your equipment, browsing actions, the resources that you access and use through the Services, such as your operating system and browser type. We use analytics and similar services, as explained in our https://www.obffinance.com/aboutus/cookie-policy , to help us to deliver a better and more personalized service to users by enabling us to estimate usage patterns, customize our Services according to your individual preferences, and speed up your searches.

When you use our Services, we automatically collect information on the type of device you use and the operating system version, so we know the best version of the application to provide you. We do not ask you for, access, or track any location-based information from your mobile device at any time while downloading or using our App or Services.

When you contact us for customer support we may collect additional information to resolve your issue and may request you to bind your client account to improve your customer service experience.

To access our services you must be over the age of eighteen and be of sound mind. If illiterate or not able to fully understand the language used in the offering of our services you will need a personal representative or translator.

By submitting your personal data, you agree to the transfer, storing and processing of your data we will take reasonable steps to ensure that your data is treated securely and in accordance with this Privacy Policy.

We use information held about you in the following ways:

  1. To present content from our Services in an effective manner for you and for your computer or mobile device
  2. To provide you with information, products or services that you request from us or which we feel may interest you
  3. To carry out our obligations arising from any contracts entered into between you and us, including for billing and collection
  4. If you pay for Services using a credit card, we will transmit your credit card data to the appropriate credit card company and/or credit card payment processing company
  5. To allow you to participate in interactive features of our Services, when you choose to do so
  6. To contact you about our Services
  7. In any other way we may describe when you provide the information or when we prompt you regarding a new use of information about you.

We will share your personal data with third parties only in the ways that are described in this Privacy Policy. We do not sell, trade, rent or disclose your information to others, except as provided herein:

We provide and support some of our Services through contractual arrangements with service providers and other third parties. We and our service partners use your Personal Data to operate our Websites and to deliver Services. For example, we must release your credit card information to the card-issuing bank to confirm payment for products and services purchased on our Websites; and provide order information to third parties that help us deliver the Services.

We will also disclose Personal Data in the following circumstances; if it is required by law enforcement or judicial authorities, or to cooperate with a law enforcement investigation, if we have a good faith belief that we are required or permitted to do so by law or legal process,  to protect our rights, reputation, property or the safety of us or others, to defend or enforce our rights or your obligations,  if the disclosure is required by mandatory professional standards, to a third party with your prior consent to do so or  if we are under a duty to disclose or share your Personal Data in order to enforce or apply any contracts or agreement that may exist between you and us including this Privacy Policy, our Website Use Policy and our Terms of Service. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

In the event that New Era Finance Limited decides to sell all or part of its stock or assets or enter into a merger, we reserve the right to include your data, including Personal Data among the assets transferred to the acquiring or surviving company.

You may have us change your personal data associated with your account online by logging into ‘My Account’ in accordance with instructions posted elsewhere on our Websites to have us add, delete, and correct your personal information by submitting a data request at support@obfjm.com  to us or in writing at the addresses at the end of this Privacy Policy.

The Company reserves the right to retain your information for a reasonable period of time in case you choose to resume you position as an OBF Finance client or until your security grant (NSIP) is satisfied and discharged.

If you would like to access the information that we have about your use of our Services, please submit a request by writing to us at support@obfjm.com the addresses at the end of this Privacy Policy. You can access some of the information that we collect about you. For example, by logging into your account, you can access information regarding recent orders from the Websites; certain Personal Data we maintain about you; your communication preferences; and your payment settings.

Access by you to your account is available through a password and/or unique user name selected by you. This password is encrypted. We recommend that you do not divulge your password to anyone, that you change your password often using a combination of letters and numbers, and that you ensure you use a secure web browser. We cannot be held accountable for activity that results from your own neglect to safeguard the secrecy of your password and username. If you share a computer with anyone, you should always log out of your account after you are finished, in order to prevent access to your information from subsequent users of that computer.

Please notify us as soon as possible if your username or password is compromised at support@obfjm.com so that we can remedy it with due haste.

Unfortunately, no data transmission over the Internet or any wireless network can be guaranteed to be 100% secure. As a result, while we strive to protect your Personal Data, you acknowledge that there are security and privacy limitations of the Internet which are beyond our control. The security, integrity and privacy of any and all information and data exchanged between you and us through this Website cannot be guaranteed and we shall have no liability to you or any third party for loss, misuse, disclosure or alteration of such information and data may be viewed or tampered with in transit by a third party.

In the unlikely event that we believe that the security of your Personal Data in our control may have been compromised, we will try to notify you. To the extent we have your most current email address that we may notify you by e-mail and you agree by consent by use of this Website to our use of your email as a means of such notification. If you prefer for us to use another method to notify you in this situation, please email us at support@obfjm.com with the alternative contact information you wish to be used.

When you use our Websites we may use cookies and other technologies in order to facilitate and customize your use of our Services. Learn more in ourhttps://www.obffinance.com/aboutus/cookie-policy .

We use mobile analytics software to allow us to better understand the functionality of our mobile software on your phone. This software may record information such as how often you use the App, the events that occur within the App, aggregated usage, performance data, and where the App was downloaded from. We do not link the information we store within the analytics software to any Personal Data you submit within the App.

We currently do not share personal data with third parties for their direct marketing purposes without your permission.

The Company reserves the absolute right to make changes it deems fitting from time to time to its Privacy Policy on this page as a Privacy Policy update on the Websites. It is the user’s responsibility to make regular reference to the Company’s Privacy Policy online for changes made. For “ease of detecting changes” to Privacy Policy the changes will be applied as follows…..example, {hydu231idjoi132h’’….deleted} to {jun1pd1cdjo…changes} You are responsible for ensuring that we have an up-to-date active and deliverable email address for you, and for periodically visiting our Websites and this Privacy Policy to check for any changes.

Your continued use of the Services after such modifications will constitute your agreement to the updated terms of the modified Privacy Policy.

If you have questions or complaints regarding this Policy, please first contact the company listed below. You can also reach us by email at support@obfjm.com  or physical mail at the addresses below.

New Era Finance Limited

t/a OBF Finance Co

87 Constant Spring Road

Kingston 10

Jamaica

Telephone 1 888 OBF LOANS (623 5626)

Fax: 876 971 639

Whatsapp: 876 345 9003

EMAIL: OBFLOANS@obfjm.com

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