Privacy Policy

1. Introduction

Welcome to MortgageKellye. We are committed to protecting your personal data and respecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our services. This policy is drafted in accordance with the Jamaica Data Protection Act, 2020 (JDPA).

2. Data We Collect

We may collect information about you in a variety of ways. The information we may collect on the Site includes:

• Personal Data: Personally identifiable information, such as your name, email address, and telephone number, that you voluntarily give to us when you use our services.
• Financial Data: Financial information, such as data related to your income, credit history, and other financial details necessary for mortgage pre-qualification and application processes.
• Usage Data: Information our servers automatically collect when you access the Site, such as your IP address, your browser type, your operating system, your access times, and the pages you have viewed directly before and after accessing the Site.

3. How We Use Your Information

Having accurate information about you permits us to provide you with a smooth, efficient, and customized experience. Specifically, we may use information collected about you via the Site to:

• Assess your eligibility for mortgage products.
• Correspond with you regarding your account or mortgage application.
• Provide you with a personalized service.
• Improve the efficiency and operation of the Site.
• Comply with legal and regulatory obligations.

4. Legal Basis for Processing under JDPA

Our legal basis for collecting and using the personal information described above will depend on the personal information concerned and the specific context in which we collect it. However, we will normally collect personal information from you only where we have your consent to do so, where we need the personal information to perform a contract with you, or where the processing is in our legitimate interests and not overridden by your data protection interests or fundamental rights and freedoms.

5. Disclosure of Your Information

We may share information we have collected about you in certain situations. Your information may be disclosed as follows:

• By Law or to Protect Rights: If we believe the release of information about you is necessary to respond to legal process, to investigate or remedy potential violations of our policies, or to protect the rights, property, and safety of others, we may share your information as permitted or required by any applicable law, rule, or regulation.
• Third-Party Service Providers: We may share your information with third parties that perform services for us or on our behalf, including financial institutions, credit bureaus, and legal advisors for the purpose of processing your mortgage application.

6. Your Data Protection Rights under the JDPA

Under the Jamaica Data Protection Act, you have rights including:

• The right to access – You have the right to request copies of your personal data.
• The right to rectification – You have the right to request that we correct any information you believe is inaccurate.
• The right to erasure – You have the right to request that we erase your personal data, under certain conditions.
• The right to prevent processing – You have the right to request that we cease processing your personal data if it is likely to cause substantial damage or distress.
• The right to prevent processing for direct marketing.
• Rights in relation to automated decision-making.

To exercise these rights, please contact us using the contact details provided below.

7. Security of Your Information

We use administrative, technical, and physical security measures to help protect your personal information. While we have taken reasonable steps to secure the personal information you provide to us, please be aware that despite our efforts, no security measures are perfect or impenetrable, and no method of data transmission can be guaranteed against any interception or other type of misuse.

8. Changes to This Privacy Policy

We may update this Privacy Policy from time to time in order to reflect, for example, changes to our practices or for other operational, legal, or regulatory reasons. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date.

9. Contact Us

If you have questions or comments about this Privacy Policy, please contact us via WhatsApp at +1-904-553-0863.