Privacy Policy
Last Updated: April 2023
This privacy statement describes how EveryData Barbados (EveryData") and its affiliates (collectively, "EveryData", "we", "us", "our") collect, use, and share personal data about individuals and companies.
Topics:
• What data do we collect?• How do we collect your data?
• How will we use your data?
• How do we store your data?
• Marketing
• What are your data protection rights?
• What are cookies?
• How do we use cookies?
• What types of cookies do we use?
• How to manage your cookies
• Privacy policies of other websites
• Changes to our privacy policy
• How to contact us
• How to contact the appropriate authorities
What data do we collect?
Our Company collects the following data:
• government-issued identifiers, such as a national registration number, driver's license number, passport number, company number• identification information, such as your current and historical name(s), date of birth.
• contact details such as your address, email address, telephone number, and other contact details.
• credit liability information about you, such as the type of credit, the loan date, the amount of credit applied for, the credit amount
• your repayment history information.
• default information, relating to an outstanding payment(s)
• new arrangement information if you vary the terms of your credit following a default disclosure
• court proceedings information, regarding a judgment of the court that is made against you that relates to credit that was provided to, or applied for, by you
• information about your financial accounts, such as outstanding balances, loan history, payment history
• information you provide when you contact EveryData for support, such as the content of your communications with EveryData, and the products or services related to your inquiry
• information about you lawfully made available by local governments. This includes information about legal proceedings in court records and business ownership and affiliation information
• photos for authentication purposes, in some circumstances we may request copies of your photo identification
• any additional information relating to you that you provide to us directly through our website or app
• information you provide to us through customer surveys
• any other personal information that may be required to facilitate your dealings with us
How do we collect your data?
Our company collects data from the following sources:
• Financial institutions - We collect personal data from companies that offer financial products or services to consumers, like loans, financial or investment advice, or insurance. This includes banks, credit unions, mortgage lenders, insurance companies, micro-finance institutions and debt collectors.
• Public records - We collect personal data which is sourced from public records made available by local governments. This includes information on court findings.
How will we use your data?
We may collect, hold, use, and disclose credit-related information about you and credit eligibility information for purposes reasonably necessary for our business activities and consistently with the requirements permitted by law.
These purposes include:
• to assess applications for credit (including assessing any proposed guarantors)
• for the ongoing servicing and administration of accounts and products
• to assist with the management, including recovery, of outstanding debts
• to assist consumers at risk of default
• for data analysis
• to participate in the credit reporting system as permitted by applicable laws
• to undertake securitisation activities and debt assignments
• to deal with complaints and legal proceedings
• to meet our legal and regulatory requirements (such as reporting matters to regulators or enforcement bodies when authorised or required by law)
• to assist other credit providers with such purposes in circumstances permitted by law (such as disclosing information to another credit provider with your consent or where you have committed a serious credit infringement)
• to enable you to access and use our products and services
• to operate, protect, improve, and optimise our website, app, business, and our users’ experience, such as to perform analytics and conduct research
How do we store your data?
We understand the importance of protecting the personal information we hold, including credit information. We take reasonable steps to ensure that this information is free from misuse, interference, loss, unauthorised access, or modification. Examples of these steps include:
• securing information both in physical and electronic form;
• having internal procedures and measures limiting access to personal information only to those that need access for their legitimate activities; and
• protecting our systems using reasonable and appropriate technology solutions.
Marketing
We will not use or disclose personal information for the purposes of direct marketing to you unless:
• you have consented to receive direct marketing materials; or
• you would reasonably expect us to use your personal details for this purpose and you have not previously opted out from receiving such marketing materials; or
• we believe you may be interested in the material, but it is impractical for us to obtain your consent and you have not previously opted out from receiving such material.
• In every instance, we will ensure that our direct marketing material incorporates an option for you to opt out of future marketing communications.
Please note also that even if you have requested not to receive further direct marketing communications, we will continue to provide you with information about changes to our terms and conditions, questionnaires and other service messages or factual, non-marketing information.
What are your data protection rights?
We will take such steps as are reasonable to ensure that the personal information which we collect remains accurate, up to date and complete.
We will provide you with access to your personal information held by us unless we are permitted under the law to refuse to provide you with such access. Please contact us via the details below if you:
• wish to have access to the personal information which we hold about you;
• consider that the personal information which we hold about you is not accurate, complete, or up to date; or
• require further information on our personal information handling practices.
• There is no charge for requesting access to your personal information, but we may require you to meet our reasonable costs in providing you with access.
If you consider that the information we hold about you is inaccurate, out of date, incomplete, irrelevant, or misleading, we will take reasonable steps, consistent with our obligations under the Privacy Act, to correct that information if you so request.
We will respond to all requests for access and/or correction within a reasonable time.
To make a verifiable consumer request, visit bb.everydata.com/consumer-services or call our Customer Service team at 246-629-0580 (our regular business hours of 9 a.m. - 4 p.m., Monday - Friday, excluding holidays).
To ensure the security of personal information and prevent fraudulent requests, we may need to collect personal information and other information such as your name, address, or email, or transaction history to verify your identity.
What are cookies?
Cookies are text files placed on your computer to collect standard Internet log information and visitor behaviour information. When you visit our websites, we may collect information from you automatically through cookies or similar technology.
For further information, visit allaboutcookies.org.
How do we use cookies?
Our Company uses cookies in a range of ways to improve your experience on our website, including:
• Keeping you signed in.
• Understanding how you use our website.
What types of cookies do we use?
There are a number of different types of cookies, however, our website uses:
• Functionality - Our Company uses these cookies so that we recognize you on our website and remember your previously selected preferences.
• Analytics or performance – Our Company uses these cookies to track website visitors and their user behaviour. This data is then used to improve the way the website works and in turn, used to improve user experience.
How to manage cookies
You can set your browser not to accept cookies, and the above website tells you how to remove cookies from your browser. However, in a few cases, some of our website features may not function as a result.
Privacy policies of other websites
Our Company website contains links to other websites. Our privacy policy applies only to our website, so if you click on a link to another website, you should read their privacy policy.
Changes to our privacy policy
From time to time, we may change our Policy on how we handle personal information or the types of personal information which we hold. Any changes to our Policy will be published on our website.
It is your responsibility to check the website from time to time to determine whether there have been any changes.
How to contact us
If you have any questions about our privacy policy, the data we hold on you, or you would like to exercise one of your data protection rights, please do not hesitate to contact us
Email us: bb.consumerservice@everydata.com
Call us: (246) 629-0580
Write to us: EveryData Barbados Limited
Suite 102, Lauriston, Lower Collymore Rock, St. Michael
How to contact the appropriate authority
If you believe that we have failed to comply with the credit reporting requirements or the Privacy Policy, please contact our Internal Dispute Resolution team using the details listed below. We will aim to respond as soon as possible with a solution, or with our anticipated resolution time.
Email us: bb.consumerservice@everydata.com
Call us: (246) 629-0580
Write to us: EveryData Barbados Limited, Suite 102, Lauriston, Lower Collymore Rock, St. Michael
You may also refer the matter further to the Central Bank of Barbados if you consider the matter unresolved:
Central Bank Of Barbados
Tom Adams Financial Centre,
Spry Street,
Bridgetown
Barbados,
West Indies
E-mail: info@centralbank.org.bb
Tel: (246) 436-6870
