Capita Financial Services Inc (hereinafter interchangeably referred to either as “we” or “us” or “the Capita”) is committed to protecting your privacy through the use of the best technology that can give a safe member experience both online and offline. As Capita we are primarily focused on our customers and pride ourselves on offering them quality, relevant services.

The Information We Collect About You

We will collect:

1. Identity – e.g. name, national registration NIS, driver’s license, and passport numbers.
2. Contact information e.g. telephone numbers email addresses
3. Mailing address
4. Employment information
5. Financial details including but not limited to hire purchase commitments, living expenses.
6. Marital status
7. Other personal information – religious and trade union memberships.
8. Sensitive categories of data where applicable including but not limited to health information for insurance purposes
9. Information which you have consented to us using for the purpose of marketing of our products and services to you.
10. Information about you provided by others including but not limited to account applications or guarantor details
11. Other information such as: telephone recordings, CCTV images at our offices and information provided when exercising your rights.
12. Information about your computer hardware and software that is automatically collected by the Capita when you use our online channels. This information can include:
    • browser type
    • domain names
    • access times and
    • referring website addresses
    • your IP address
    • your geographic location

When We Collect Your Information

We collect information:

1. At your time of application for membership
2. You give us;
3. From your use of our products, services or our websites (through cookies), mobile apps, message boards, online forms, chat areas, social media platforms and;
4. Provided to us by third parties. credit bureau.

Use of Cookies for Collection of Information on Digital Platforms of the Capita

Capita also uses “cookies” to collect information. A cookie is a small data file that most major websites write to your hard drive for record keeping purposes when you visit them. Cookies allow the Capita to measure activity on the site and to improve your user experience, for example by remembering your passwords and viewing preferences, thus allowing you to visit various customer-only parts of the Site without re-registering.

Cookies are used by the Capita to measure activity on the site and make improvements and updates based on which areas are popular and which are not. Capita does not use cookies to retrieve information from your computer that was not originally sent in a cookie.

Except for personal information voluntarily provided by you (i.e. during services application or a contest), Capita does not use information transferred through cookies for any promotional or marketing purposes, nor is that information shared with any third parties whatsoever.

You may occasionally get cookies from advertisers, which is standard in the Internet industry. Capita encourages you to review the privacy statements of websites you choose to link to from Capita’s website so that you can understand how those websites collect, use and share your information. Capita is not responsible for the privacy statements or other content on websites outside of Capita and its family of websites.

How We Use Your Information

We use, and share, your data in the following cases:

1. To assess eligibility and credibility for the services, products and facilities we offer
2. To provide Capita and other related or affiliate services, products and facilities to you.
3. To implement any contracts we have entered into with you.
4. To conduct credit searches with credit reference agencies in order to provide credit facilities and, where necessary, for fraud prevention and debt recovery.
5. To comply with a legal obligation (e.g. reporting to the regulatory authorities and law enforcement)
6. To use for our legitimate interests such as managing our business on a day to day basis including credit risk management, providing service information, conducting marketing activities, training, quality assurance and strategic planning.
7. Where you have agreed or explicitly consented to the using of your data in a specific way as per law (you may withdraw your consent at any time).
8. To register you for electronic newsletters or other customer services, with your specific consent.
9. To track activity and collect information on your preferences which will assist in enhancing your online user experience and offering of relevant products and services
10. To protect your account, conduct research about your opinion of current services or of potential new services that may be offered, the operation of the service, the maintaining of quality of the service, and to provide general statistics regarding use of Capita’s website.

How We Use Automated Processing Of Your Data

We may analyse your information using automated means to:

1. Assist in making assessments where you apply for a loan including creditworthiness and affordability.
2. Assist in protection of your account.
3. Identify your suitability/eligibility as a prospect for a particular product or service.

Who We Share Your Information With

Sharing can occur in the following circumstances and/or with the following:

1. Our systems suppliers who test backup data.
2. Our supplier used for “know your customer” “KYC” services.
3. Our off-site storage supplier.
4. Debt collectors & solicitors used for recovery of outstanding debts.
5. Customers authorised representatives e.g. power of attorney. Can also be Attorneys-at-Law, court appointed representatives, e.g. persons appointed to deal with a member’s affairs under mental health acts, etc.
6. Statutory and regulatory bodies and law enforcement authorities as required under law.
7. Credit reference/rating agencies all of whom would be subject to confidentiality agreements.

Restricted Use of Information

Capita does not sell, rent or lease its member data to third parties.  Capita may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique, personally identifiable information (e-mail, name, address, telephone number) is not transferred to the third party.

In addition, we may share data with trusted partners to help us perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to Capita, and they are required to maintain the confidentiality of your information. Capita does not use or disclose sensitive personal information, such as race and religion, without your explicit consent.

Please keep in mind that if you directly disclose personal identity information or personally sensitive data through Capita’s public message boards, this information may be collected and used by others.

How Long We Hold Your Information

Our retention periods are subject to legislation, regulatory rules set by our regulator and the type of financial product or service provided to you.

Rights of Data Subjects

Regulations such as the Barbados Data Protection Act 2019 (BDPA) and the European Union (EU)