Privacy Policy

Your trust is our priority — transparent, secure, and responsible data handling

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Effective Date: April 15, 2025

1. Introduction & Our Commitment

Stonebridge Financial Ltd. ("Stonebridge", "we", "us", "our") is a digital micro-lending institution operating under the Industry & Providence Act and registered with the Department of Cooperative & Friendly Societies, Jamaica. We respect your privacy and are committed to protecting your personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website, mobile application, and financial services (collectively, "Services"). By accessing Stonebridge, you agree to the terms of this policy.

2. Information We Collect

To provide you with seamless lending, investment, and Partna Plan services, we collect the following categories of personal information:

  • Personal Identification Data: Full name, date of birth, government ID numbers (TRN, passport), nationality, and occupation.
  • Contact Information: Email address, phone number, residential address (Montego Bay, St James & beyond).
  • Financial Information: Bank account details, transaction history, credit assessment data, loan repayment records, and investment portfolio activity.
  • Technical Data: IP address, browser type, device identifiers, cookies, and usage analytics to improve our platform.
  • KYC Documentation: Uploaded identity documents, proof of address, and selfie verification for compliance with anti-money laundering regulations.
  • Communications: Records of your interactions with customer support, chat messages (via Tawk.to), and feedback forms.

3. How We Use Your Information

Stonebridge uses your data strictly for legitimate business purposes, including:

  • Processing loan applications, approvals, disbursements, and repayments.
  • Managing Partna Plans, savings accounts, fixed deposits, and real estate investments.
  • Verifying your identity to meet KYC/AML regulatory requirements.
  • Providing customer support, resolving disputes, and sending service notifications.
  • Improving our website, mobile app, and personalizing your user experience (e.g., loan calculator, recommended products).
  • Preventing fraud, unauthorized transactions, and enhancing security measures.
  • Complying with legal obligations under Jamaican law (DCFS, BCIC Jamaica, Consumer Protection).
  • Sending promotional communications only with your consent (you may opt out anytime).

4. Legal Basis for Processing (GDPR & Local Compliance)

Where applicable under international standards, we rely on the following legal bases: performance of a contract (loan agreements, investments), compliance with legal obligations, legitimate interests (fraud prevention, analytics), and consent (marketing). We never sell your personal data to third parties.

5. Sharing & Disclosure of Information

Stonebridge does not sell or rent personal data. However, we may share information with:

  • Service Providers: Payment processors (Visa/Mastercard), cloud hosting, analytics partners (Google reCAPTCHA, Tawk.to chat), and IT support, all under strict confidentiality agreements.
  • Regulatory Authorities: When required by law, court order, or lawful request from Jamaican government bodies (DCFS, tax authorities).
  • Credit Bureaus & Fraud Prevention Agencies: To assess creditworthiness and prevent financial crime.
  • BCIC Jamaica: For savings protection verification and deposit insurance compliance.
  • Business Transfers: In case of merger, acquisition, or asset sale, your data will be transferred with same privacy commitments.

We never share data with unaffiliated third parties for their own marketing without explicit consent.

6. Data Security & Retention

We implement industry-standard security measures including AES-256 encryption, TLS 1.3, firewalls, access controls, and regular vulnerability assessments. Your data is stored on secure servers with restricted access. We retain personal information only as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations (e.g., 7-year record retention for financial transactions), resolve disputes, and enforce agreements. After retention period, data is anonymized or securely deleted.

7. Your Privacy Rights

Depending on your jurisdiction, you may have the following rights regarding your personal data:

  • Access: Request a copy of the personal data we hold about you.
  • Rectification: Correct inaccurate or incomplete information.
  • Erasure: Request deletion of your data, subject to legal retention requirements.
  • Restriction: Limit how we use your data in certain circumstances.
  • Data Portability: Receive your data in a structured, machine-readable format.
  • Objection: Opt out of direct marketing or automated decision-making (e.g., credit scoring).

To exercise any right, please contact our Data Protection Officer at privacy@stonebridgefinancialltd.com. We will respond within 30 days.

8. Cookies & Tracking Technologies

Stonebridge uses cookies, session storage, and similar technologies to enhance user experience, analyze trends, and remember preferences. Essential cookies are always active; analytical and marketing cookies require consent via our cookie banner. You may manage preferences through browser settings, but disabling cookies may affect functionality such as loan calculator or login persistence. Third-party services like Google reCAPTCHA and Tawk.to may set their own cookies subject to their privacy policies.

9. Children's Privacy

Our financial services are strictly for individuals aged 18 years or older. We do not knowingly collect personal information from anyone under 18. If we discover such data, we will delete it immediately. Parents or guardians who believe a minor has provided data should contact us.

10. Third-Party Links & Integrations

Our website may contain links to external sites (e.g., BCIC Jamaica, DCFS, legal references). We are not responsible for the privacy practices of those third parties. We encourage you to read their privacy policies. Stonebridge also integrates with Google reCAPTCHA (protected by Google Privacy Policy) and Tawk.to live chat — those services operate under their own data handling terms.

11. International Data Transfers

Stonebridge primarily stores data within Jamaica. However, some service providers (cloud platforms) may operate in other countries. When transferring data internationally, we ensure adequate safeguards such as Standard Contractual Clauses or equivalent protections to preserve your privacy rights.

12. Changes to This Privacy Policy

We may update this policy periodically to reflect legal, technical, or business changes. The "Effective Date" at the top indicates the latest revision. Material changes will be notified via email or prominent website notice. Continued use of Stonebridge after changes constitutes acceptance of the revised policy.

13. Contact Us

If you have questions, complaints, or wish to exercise your privacy rights, please reach out to us:

Stonebridge Financial Ltd.
Montego Bay, St James, Jamaica
Email: privacy@stonebridgefinancialltd.com
Phone: (876) 276-4640
Data Protection Officer: compliance@stonebridgefinancialltd.com

You also have the right to lodge a complaint with the Jamaican Office of the Information Commissioner (if applicable) or the Department of Cooperative & Friendly Societies.

Stonebridge — Digital Micro Lending, Partna Plans, and Smart Investments.
Your financial future, protected with integrity.