Privacy Policy

Unicomer (Barbados) Ltd is committed to respecting the privacy of our customers, third-party vendors and all individuals who provide personal data to Unicomer Barbados. As part of our commitment to protecting your privacy and comply with our data protection obligations under the Data Protection Act, 2019 of Barbados 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 Barbados, that is, Courts, Courts Ready Cash, and Courts Optical  under which Unicomer Barbados conducts business within Barbados. This policy applies to you when you are in Barbados.

The companies identified within Unicomer Barbados 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 dpo@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: Name, driver’s license number, passport number, photo ID, taxpayer number, social security number, NIS, voter’s identification.
Contact Details: Email address, telephone numbers, residential address, mailing address.
Employment Information - Employment status, employer name and address, nature of self-employment, type of business, salary and benefits, employment history.
Demographic Details: Date of birth, gender, age, nationality marital status.
Financial Information: Credit report, credit card statement, bank statement, income, expenses, PEP status, and other AML KYC data as required by law.
Payment Information: Credit or debit card details, bank account information, to the extent that it identifies you.
Background Check Information: Sanction list checks.
Account Login Credentials: Username and password.
Health Information: Medical history, health status and outcomes of medical reports, family medical history,
Electronic Communications Data: IP address, geographic location, operating system, and browser type, when you visit our sites or use our online services.
Image: 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. 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 dpo@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 may be necessary to enable us to pursue our legitimate commercial interests. 

Where collection and processing of your personal data is based on the ground of legitimate interest, appropriate steps will be taken to ensure that there is no infringement of the rights and freedoms granted to you under the applicable data privacy laws.

Examples of where your personal information will be processed based on legitimate interest includes:

• To improve suitable products and/or services
• For CCTV surveillance on our properties
• To preventing fraud
• To ensure network and information security of our systems
• To operate our business and manage and develop our relationship with you
• For intra-group administrative transfers
• To understand how you use our products, services and websites and effect improvements.

Administration of justice

We may process your personal data to aid with 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

In some instances, 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 may be subject to (for example, our obligations under the Proceeds of Crime Act 1993 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 Barbados 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 Barbados 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 Barbados 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 team at dpo@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 several factors. We may use an automated decision-making process for that decision. 

In the interest of fraud prevention, your personal information may be processed by Unicomer Barbados via the use of systems designed to assess data in order to determine whether there is any presence of fraud or fraudulent patterns. For example, it may be revealed that an account is being used in a suspicious and unusual manner, which may allude to the presence of some fraudulent activity which may be detrimental to the customer, Unicomer Barbados and/or our insurers. Consequently, this will influence our decision-making process.

Should it be determined that the activity surrounding a particular account is fraudulent and suspicious in nature, the customer will be entitled to an explanation as to why such conclusions were reached. The customer will also be given the opportunity to rectify any misinformation to allow for a fair re-assessment in the interest of receiving a rectified and favourable deliberation.

10. RIGHTS YOU HAVE OVER YOUR DATA

We aim to maintain data that is accurate and up-to-date. Should there be any changes to your personal data (e.g. moving addresses, name changes), please notify us as soon as possible so that we may be able to update our records accordingly. 

You have the legal right to the following: 

• The right to be informed of your personal data being processed and the right of access to same.
• The right to have inaccurate information rectified/ completed.
• The right to have your personal data erased without undue delay.
• The right to have the processing of your personal data restricted.
• The right to receive personal data in a portable manner.
• The right to prevent processing likely to cause damage or distress.
• The right to prevent processing for direct marketing purposes.
• The right not to be subject to automated decision making.
• The right to information from Unicomer Barbados (at the time when personal data is obtained).
• The right to lodge a complaint with the Commissioner.
• The right to withdraw consent.

 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 

When using our technology, whether it be online or offline, certain personal information will be automatically processed for example via CCTV, foot traffic, visits to our websites or use of the mobile app. We use this information to determine which areas of our business is frequented in order to monitor our capacity and traffic across the business. This helps us to add more value to our services. 

CCTV at Unicomer Barbados 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:

• For security and risk management, loss prevention, incident investigation purposes and other purposes set out in this Policy, or as permitted by the law. 
• By collecting and analysing customer behaviour;
• By monitoring patterns of foot traffic; and
• By analysing shopper demographics and browsing habits. (Note, 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

Free Wi-Fi network service is offered at certain retail stores.

Free Wi-Fi network service is offered at certain retail stores.

If you are carrying a Wi-Fi enabled device within range of one of our free Wi-Fi networks, data may be received or transmitted from your device regardless of whether or not you have joined our free Wi-Fi network. Information which may be capable of being transmitted to us from your device, may include:

• Your device ID, device type, IP address and MAC address;
• Your 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 may need to disable the Wi-Fi and Bluetooth functions on your device. You should also refrain from connecting to our free Wi-Fi network.

COOKIES

When you visit any website, it may store or retrieve information from your browser, mostly in the form of cookies. Cookies are small files of information that a website generates and sends to your browser. Cookies are sent to us each time you visit our website. Cookies will allow us to retain information about your visit to our website. This information is then used by us so that we may be able to give you a better and more useful experience the next time the website is visited. This information may include details about you, your preferences or your device and is mainly used to ensure that the website works as expected. The information collected will not be sufficient to specifically identify you, it will however, give you a more personalized web experience. Because we respect your right to privacy, you may choose not to allow some types of cookies. You will have the option to adjust your preferences in the banner on our website, however this may affect or prevent the functionality of certain aspects of our websites.

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. A third party’s  ability to use and share information collected is restricted by their Terms of Service and Privacy Policy.

12. CONTACT US  

If you have any queries or complaints about privacy, please contact our Data Protection team at dpo@unicomer.com

13. CHANGES TO THIS PRIVACY POLICY

Unicomer Barbados 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 July 04, 2024.

Unicomer (Belize) Limited and Redstart Investments (Belize) Limited (collectively, “Unicomer Belize”) is committed to respecting the privacy of our customers, third-party vendors and all individuals who provide personal data to Unicomer Belize. As part of our commitment to protecting your privacy and comply with our data protection obligations under the Data Protection Act, 2021 of Belizeand 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 Belize, that is, Courts, Courts Ready Cash, Courts Optical and Almacenes Tropigas under which Unicomer Belize conducts business within Belize. This policy applies to you when you are in Belize.

The companies identified within Unicomer Belize 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 dpo@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: Name, driver’s license number, passport number, photo ID, taxpayer number, social security number, NIS, voter’s identification.
Contact Details: Email address, telephone numbers, residential address, mailing address.
Employment Information - Employment status, employer name and address, nature of self-employment, type of business, salary and benefits, employment history.
Demographic Details: Date of birth, gender, age, nationality marital status.
Financial Information: Credit report, credit card statement, bank statement, income, expenses, PEP status, and other AML KYC data as required by law.
Payment Information: Credit or debit card details, bank account information, to the extent that it identifies you.
Background Check Information: Sanction list checks.
Account Login Credentials: Username and password.
Health Information: Medical history, health status and outcomes of medical reports, family medical history,
Electronic Communications Data: IP address, geographic location, operating system, and browser type, when you visit our sites or use our online services.
Image: 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.  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 dpo@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 of data is necessary for the performance of our contract 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 may be necessary to enable us to pursue our legitimate commercial interests. 

Where collection and processing of your personal data is based on the ground of legitimate interest, appropriate steps will be taken to ensure that there is no infringement of the rights and freedoms granted to you under the applicable data privacy laws.

Examples of where your personal information will be processed based on legitimate interest includes:

• To improve suitable products and/or services
• For CCTV surveillance on our properties
• To preventing fraud
• To ensure network and information security of our systems
• To operate our business and manage and develop our relationship with you
• For intra-group administrative transfers
• To understand how you use our products, services and websites and effect improvements.

Administration of justice

We may process your personal data to aid with the administration of justice. This may occur when we initiate 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

In some instances, 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 may be subject to (for example, our obligations under the Money Laundering & Terrorism (Prevention) Act of Belize 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 Belize 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 Belize 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 Belize 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 team at dpo@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 several factors. We may use an automated decision-making process for that decision. 

In the interest of fraud prevention, your personal information may be processed by Unicomer Belize via the use of systems designed to assess data in order to determine whether there is any presence of fraud or fraudulent patterns. For example, it may be revealed that an account is being used in a suspicious and unusual manner, which may allude to the presence of some fraudulent activity which may be detrimental to the customer, Unicomer Belize and/or our insurers. Consequently, this will influence our decision-making process.

Should it be determined that the activity surrounding a particular account is fraudulent and suspicious in nature, the customer will be entitled to an explanation as to why such conclusions were reached. The customer will also be given the opportunity to rectify any misinformation to allow for a fair re-assessment in the interest of receiving a rectified and favourable deliberation.

10. RIGHTS YOU HAVE OVER YOUR DATA

We aim to maintain data that is accurate and up-to-date. Should there be any changes to your personal data (e.g. moving addresses, name changes etc.), please notify us as soon as possible so that we may be able to update our records accordingly. You have the legal right to the following: 

• The right of access to your personal data;
• The right to rectification of your personal data;
• The right to erasure of your personal data;
• The right to restrict processing of your personal data;
• The right to data portability, that it, the right to obtain, reuse, and/ or transfer your personal data elsewhere;
• The right to prevent processing of your personal data which will likely to cause damage or distress;
• The right to prevent processing your personal data for purposes of direct marketing;
• The right not to be subject to a decision based solely on automated processing of your personal data, including profiling, which produces legal effects concerning you or significantly affects you.

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  

When using our technology, whether it be online or offline, certain personal information will be automatically processed for example via CCTV, foot traffic, visits to our websites or use of the mobile app. We use this information to determine which areas of our business is frequented in order to monitor our capacity and traffic across the business. This helps us to add more value to our services. 

CCTV at Unicomer Belize 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:

• For security and risk management, loss prevention, incident investigation purposes and other purposes set out in this Policy, or as permitted by the law. 
• By collecting and analysing customer behaviour;
• By monitoring patterns of foot traffic; and
• By analysing shopper demographics and browsing habits. (Note, 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

Free Wi-Fi network service is offered at certain retail stores.

If you are carrying a Wi-Fi enabled device within range of one of our free Wi-Fi networks,  data may be received or transmitted from your device regardless of whether or not you have joined our free Wi-Fi network. Information which may be capable of being transmitted to us from your device, may include:

• Your device ID, device type, IP address and MAC address;
• Your 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 may need to disable the Wi-Fi and Bluetooth functions on your device. You should also refrain from connecting to our free Wi-Fi network.

COOKIES

When you visit any website, it may store or retrieve information from your browser, mostly in the form of cookies. Cookies are small files of information that a website generates and sends to your browser. Cookies are sent to us each time you visit our website. Cookies will allow us to retain information about your visit to our website. This information is then used by us so that we may be able to give you a better and more useful experience the next time the website is visited. This information may include details about you, your preferences or your device and is mainly used to ensure that the website works as expected. The information collected will not be sufficient to specifically identify you, it will however, give you a more personalized web experience. Because we respect your right to privacy, you may choose not to allow some types of cookies. You will have the option to adjust your preferences in the banner on our website, however this may affect or prevent the functionality of certain aspects of our websites.

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 such as the number of visitors to our website, where visitors are 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 will have their own cookie and privacy policies. A third party’s  ability to use and share information collected is restricted by their Terms of Service and Privacy Policy.

12. CONTACT US  

If you have any queries or complaints about privacy, please contact our Data Protection team at dpo@unicomer.com 

13. CHANGES TO THIS PRIVACY POLICY

Unicomer Belize 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 July 04, 2024.

Unicomer (Guyana) Inc. and Redstart Investments Guyana Inc. (collectively, “Unicomer Guyana”, “our”, or “we”) are committed to respecting the privacy of our customers, third-party vendors and all individuals who provide personal data to Unicomer Guyana. As part of our commitment to protecting your privacy and compliance with our data protection obligations under the Data Protection Act 2023 of Guyana 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; and
• 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 Guyana, that is, Courts, Courts Ready Cash, Courts Optical, Lucky Dollar, RadioShack and Ashley, under which Unicomer Guyana conducts business in Guyana. This Policy applies to you when you are in Guyana.

The companies identified within Unicomer Guyana are the data 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 laws. Sometimes, we may work with other companies to decide how your personal data is used. In those scenarios, we are joint data 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 dpo@unicomer.com.

1. Personal Data That We Process

We collect the below 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: Name, driver’s license number, passport number, photo ID, taxpayer number, social security number, NIS, voter’s identification.
Contact Details: Email address, telephone numbers, residential address, mailing address.
Employment Information - Employment status, employer name and address, nature of self-employment, type of business, salary and benefits, employment history.
Demographic Details: Date of birth, gender, age, nationality marital status.
Financial Information: Credit report, credit card statement, bank statement, income, expenses, PEP status, and other AML KYC data as required by law.
Payment Information: Credit or debit card details, bank account information, to the extent that it identifies you.
Background Check Information: Sanction list checks.
Account Login Credentials: Username and password.
Health Information: Medical history, health status and outcomes of medical reports, family medical history,
Electronic Communications Data: IP address, geographic location, operating system, and browser type, when you visit our sites or use our online services.
Image: 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. 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; and
• 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 (KYC)” 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 monitor and record 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 and subject to any applicable legislation, use your personal data to contact you about products, services and special offers from us or our affiliates that may interest you. 

Note: - 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/ data. This is called the "lawful basis for processing". 

5.1.         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 dpo@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: -

5.2.         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.).

5.3.         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; and
• Understanding how you use our products, services, and websites and effecting improvements.

5.4.         Administration of Justice

Where we rely on this lawful basis, we may be processing personal data 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.

5.5.         Medical Purposes

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

5.6.         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, where we are required to collect information about your identity (KYC)). 

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, i.e., with: 

• Companies within the 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 laws and 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.

Disclosure of Health Information:

We may also disclose health information for the following purposes: -

(a)  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. 

(b)  For Payment:

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

(c)  For Health Care Operations:
We may use and disclose health information about you to run Unicomer Guyana 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 Guyana 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 the 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 at dpo@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 asked 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 (5) years after your relationship ends, then the information is securely destroyed. We may also keep your data for longer than five (5) years if we cannot delete it for legal and regulatory purposes, 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 various 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 updates to your data which may be required. 

You have the legal right to the following: 

• To be informed as to whether we process your personal data;
• To request all personal data we have collected about you, if any; 
• To request rectification of any errors or omissions in the personal data we have collected about you; 
• To object to the processing of your personal data for the purposes of direct marketing at any time;
• To 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 under Section 12 “Contact Us”. 

11. Our Use of Technology 

While you are using 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, whether 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. 

11.1.       CCTV at Unicomer Guyana 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:

• 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.

11.2.      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; and
• 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 or should not sign into our Wi-Fi network.

11.3.      Cookies

When you visit our 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 website. The cookie is sent to our computer each time you visit our website. 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. We respect your right to privacy, and as such, 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.

11.4.      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 dpo@unicomer.com.

13. Changes To This Privacy Policy

Unicomer Guyana 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 July 10, 2024. 

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: Name, driver’s license number, passport number, photo ID, taxpayer number, social security number, NIS, voter’s identification.
Contact Details: Email address, telephone numbers, residential address, mailing address.
Employment Information - Employment status, employer name and address, nature of self-employment, type of business, salary and benefits, employment history.
Demographic Details: Date of birth, gender, age, nationality marital status.
Financial Information: Credit report, credit card statement, bank statement, income, expenses, PEP status, and other AML KYC data as required by law.
Payment Information: Credit or debit card details, bank account information, to the extent that it identifies you.
Background Check Information: Sanction list checks.
Account Login Credentials: Username and password.
Health Information: Medical history, health status and outcomes of medical reports, family medical history,
Electronic Communications Data: IP address, geographic location, operating system, and browser type, when you visit our sites or use our online services.
Image: 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 ·           Toprocess 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.

Weand 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.DataProtectionOfficer

KimoneSingh

UnicomerJamaicaDataProtectionOfficer10 Oxford Road

Kingston5,Jamaica

E-mailaddress:dpojm@unicomer.com

ContactCentre

• Landline: 876-926-2110-4;
• WhatsApp us at (876) 492-3192;
• Write to us at 79 – 81A Slipe Road, Kingston 5; or
• Email us at callcentre_helpdesk@unicomer.com 

13. CHANGES TO THIS PRIVACY POLICY

UnicomerJamaicareservestherighttoreasonablyamendthisPolicyfromtimetotimetoensurethatit 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.

Unicomer (Saint Lucia) Limited (“Unicomer SLU”, “our”, or “we”) is committed to respecting the privacy of our customers, third-party vendors and all individuals who provide personal data to Unicomer SLU. As part of our commitment to protecting your privacy and compliance with our data protection obligations under the Data Protection Act 2011 (as amended) of Saint Lucia 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; and
• 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 SLU, that is, Courts, Courts Ready Cash, Courts Optical, Servitech, RadioShack and Ashley, under which Unicomer SLU conducts business in Saint Lucia. This Policy applies to you when you are in Saint Lucia.

The companies identified within Unicomer SLU are the data 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 laws. Sometimes, we may work with other companies to decide how your personal data is used. In those scenarios, we are joint data 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 dpo@unicomer.com.

1. Personal Data That We Process

We collect the below 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: Name, driver’s license number, passport number, photo ID, taxpayer number, social security number, NIS, voter’s identification.
Contact Details: Email address, telephone numbers, residential address, mailing address.
Employment Information - Employment status, employer name and address, nature of self-employment, type of business, salary and benefits, employment history.
Demographic Details: Date of birth, gender, age, nationality marital status.
Financial Information: Credit report, credit card statement, bank statement, income, expenses, PEP status, and other AML KYC data as required by law.
Payment Information: Credit or debit card details, bank account information, to the extent that it identifies you.
Background Check Information: Sanction list checks.
Account Login Credentials: Username and password.
Health Information: Medical history, health status and outcomes of medical reports, family medical history,
Electronic Communications Data: IP address, geographic location, operating system, and browser type, when you visit our sites or use our online services.
Image: 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. 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; and
• 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 (KYC)” 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 monitor and record 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 and subject to any applicable legislation, use your personal data to contact you about products, services and special offers from us or our affiliates that may interest you. 

Note: - 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/ data. This is called the "lawful basis for processing". 

5.1.         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 dpo@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: -

5.2.         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.).

5.3.         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; and
• Understanding how you use our products, services, and websites and effecting improvements.

5.4.         Administration of Justice

Where we rely on this lawful basis, we may be processing personal data 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.

5.5.         Medical Purposes

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

5.6.         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, where we are required to collect information about your identity (KYC)).

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, i.e., with:

• Companies within the 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 laws and 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.

Disclosure of Health Information:

We may also disclose health information for the following purposes: -

(a)  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. 

(b)  For Payment:

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

(c)  For Health Care Operations:

We may use and disclose health information about you to run Unicomer SLU 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 Saint Lucia 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. 

Subject to privacy laws, we may transfer your personal data to data processors located in the 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 at dpo@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 asked 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 (5) years after your relationship ends, then the information is securely destroyed. We may also keep your data for longer than five (5) years if we cannot delete it for legal and regulatory purposes, 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 various 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 updates to your data which may be required. 

You have the legal right to the following:  

• To be informed as to whether we process your personal data;
• To request all personal data we have collected about you, if any; 
• To request rectification of any errors or omissions in the personal data we have collected about you; 
• To object to the processing of your personal data for the purposes of direct marketing at any time;
• To 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 under Section 12 “Contact Us”. 

11. Our Use of Technology 

While you are using 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, whether 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. 

11.1.       CCTV at Unicomer SLU 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:

• 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.

11.2.      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; and
• 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 or should not sign into our Wi-Fi network.

11.3.      Cookies

When you visit our 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 website. The cookie is sent to our computer each time you visit our website. 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. We respect your right to privacy, and as such, 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.

11.4.      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 dpo@unicomer.com.

13. Changes To This Privacy Policy

Unicomer SLU 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 July 10, 2024.

Unicomer (Trinidad) Ltd, Bluestart Capital (Trinidad) Limited, and Redstart Investments (Trinidad & Tobago) Limited (collectively “Unicomer TT”, “our”, or “we”) are committed to respecting the privacy of our customers, third-party vendors and all individuals who provide personal data to Unicomer TT. As part of our commitment to protecting your privacy and compliance with our data protection obligations under the Data Protection Act, Chap. 22:04[1]of Trinidad and Tobago 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; and
• 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 TT, that is, Courts, Courts Ready Cash, Courts Optical, Servitech, RadioShack, Ashley and Emma, under which Unicomer TT conducts business in Trinidad and Tobago. This Policy applies to you when you are in Trinidad and Tobago.

The companies identified within Unicomer TT are the data 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 laws. Sometimes, we may work with other companies to decide how your personal data is used. In those scenarios, we are joint data 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 dpo@unicomer.com.

1. Personal Data That We Process

We collect the below 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: Name, driver’s license number, passport number, photo ID, taxpayer number, social security number, NIS, voter’s identification.
• Contact Details: Email address, telephone numbers, residential address, mailing address.
• Employment Information - Employment status, employer name and address, nature of self-employment, type of business, salary and benefits, employment history. 
• Demographic Details: Date of birth, gender, age, nationality marital status.
• Financial Information: Credit report, credit card statement, bank statement, income, expenses, PEP status, and other AML KYC data as required by law.
• Payment Information: Credit or debit card details, bank account information, to the extent that it identifies you.
• Background Check Information: Sanction list checks.
• Account Login Credentials: Username and password.
• Health Information: Medical history, health status and outcomes of medical reports, family medical history,
• Electronic Communications Data: IP address, geographic location, operating system, and browser type, when you visit our sites or use our online services.
• Image: 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. 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; and
• 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 (KYC)” 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 monitor and record 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 and subject to any applicable legislation, use your personal data to contact you about products, services and special offers from us or our affiliates that may interest you. 

Note: - 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/ data. This is called the "lawful basis for processing". 

5.1.         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 dpo@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: -

5.2.         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.).

5.3.         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; and
• Understanding how you use our products, services, and websites and effecting improvements.

5.4.         Administration of Justice

Where we rely on this lawful basis, we may be processing personal data 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.

5.5.         Medical Purposes

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

5.6.         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, where we are required to collect information about your identity (KYC)). 

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, i.e., with:

• Companies within the 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 laws and 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.

Disclosure of Health Information:

We may also disclose health information for the following purposes: -

(a)  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. 

(b)  For Payment:

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

(c)  For Health Care Operations:

We may use and disclose health information about you to run Unicomer TT 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 Trinidad and Tobago 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. 

Subject to privacy laws, we may transfer your personal data to data processors located in the 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 at dpo@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 asked 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 (5) years after your relationship ends, then the information is securely destroyed. We may also keep your data for longer than five (5) years if we cannot delete it for legal and regulatory purposes, 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 various 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 updates to your data which may be required. 

You have the legal right to the following: 

• To be informed as to whether we process your personal data;
• To request all personal data we have collected about you, if any; 
• To request rectification of any errors or omissions in the personal data we have collected about you; 
• To object to the processing of your personal data for the purposes of direct marketing at any time;
• To 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 under Section 12 “Contact Us”. 

11. Our Use of Technology 

While you are using 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, whether 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. 

11.1.       CCTV at Unicomer TT 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:

• 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.

11.2.      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; and
• 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 or should not sign into our Wi-Fi network.

11.3.      Cookies

When you visit our 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 website. The cookie is sent to our computer each time you visit our website. 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. We respect your right to privacy, and as such, 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.

11.4.      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 dpo@unicomer.com.

13. Changes To This Privacy Policy

Unicomer TT 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 July 10, 2024.