JN Money Services Limited (JNMS), trading as, JN Money (referred to herein as “We “, “Us” “Our”) are committed to protecting and respecting your privacy. This Policy outlines how any personal data we collect from you, or that you provide to us will be used. Please read our Privacy Policy carefully before using this website ("the Site"). By using this Site, you agree to the collection, use and disclosure of your personal data in accordance with this Privacy Policy.

In order to ensure that you gain the best experience whilst using our Site, we use cookies.

Evaluate our Site’s advertising and promotional effectiveness in order to give you the best experience on our website. We use both our own (first party) and partner companies' (third party) cookies to support this activity. If you continue without changing your cookie settings, we assume that you consent to our use of cookies on this device. You can change your cookie settings at any time but if you do, you may lose some functionality on our website.

1. We do not use Cookies to:
   • Track people's Internet usage after leaving the Site.
   • Store personal information others may read and understand.

2. Services requiring enabled Cookies

   Some of our services require cookies in your browser to enable you to view and use them and to protect your financial and personal information.

3. Changing your Cookies settings

   You are not obliged to accept cookies that we send to you and you can in fact modify your browser so that it will not accept cookies. To enable or disable cookies, follow the instructions provided by your browser (usually located within the "Help", "Tools" or "Edit" facility). Alternatively, an external resource is available, providing specific information about cookies and how to manage them to suit your preferences.

   Please note that should you choose to set your browser to disable cookies, you will not be able to access secure areas of the Site, for example any online accounts you may hold with us.

Any secure online services you subscribe to with us, may use cookies to enable information about you and your preferences will bestored to prevent unauthorised access to your services and information. Cookies must usually be accepted in such circumstances - without them we cannot ensure that your information is secure. Therefore, persons rejecting cookies will not be able to use the services.

We may share your information, including how you manage your account or site visit with other companies within the JN Money Services Group, JN Group (Subsidiaries and Associated Companies) and/or other relevant third parties as permitted by applicable law. In this regard, we may share your personal information with:

1. Service Providers for the purpose of processing requested transactions and/or agents acting on our behalf for marketing and similar services, under an agreement that information shared will be kept strictly confidential.

2. Anyone, to whom we transfer or may transfer all or any part of our business or assets, from whom we acquire any business or assets or who acquires substantially all of the assets of JN Group.

3. Credit reference and fraud prevention and detection agencies

4. Local and International Courts in response to a court order or subpoena

5. Local and International Law enforcement authorities

6. To comply with any legal obligation or in order to enforce or apply our terms of use as permitted by the law; and

If you are the recipient of a remittance transaction, we may also disclose your personal information to the sender.

If we disclose your information to a service provider (a person, office or organisation) located in another country, we will take all reasonable steps necessary to ensure that they apply the same levels of privacy and protection employed by us and to use your information only for the purpose of providing a service to us. When you provide personal information about a third party, you warrant that you have the consent of that individual to provide us with that personal information. By submitting your personal information you agree to this transfer of your information.

You understand and agree that this Privacy Policy (and TOS) will be entered into electronically, and that the following categories of information ("Communications") may be provided by electronic means: (i) these TOS and any amendments, modifications or supplements to them; (ii) your records of transactions through the Service; (iii) any initial, periodic or other disclosures or notices provided in connection with the Service, including without limitation those required by applicable law; (iv) any customer service communications, including without limitation communications with respect to claims or error or unauthorized use of the Service; and (v) any other communication related to the Service or Provider.

JN Money is a registered trade mark owned by the JN Money Services. The entire content of the Site is subject to copyright with all rights reserved and it may only be stored, held or used for your personal use only. You may not download (all or in part) for non-personal use or otherwise reproduce, transmit or modify the Site without our prior permission. However, you may print part or all information from the Site for your own personal use. These permissions are revocable by us at any time. You are granted a non-exclusive licence to those rights in order to view the Site on a non-commercial basis only, revocable at any time.

You can at any time withdraw your consent to the use and disclosure of your personal information, but such withdrawal will be subject to contractual and legal restrictions.

By submitting any personal information to us on the Site, you specifically confirm that you, have read, understood and agree to us obtaining, processing and disclosing personal and financial information relating to you, solely for the purposes detailed in and otherwise outlined in accordance with our terms and conditions.

We take precautions to protect your information and when you submit sensitive information via the Site, your information is protected both online and offline. Whilst online your information is safeguarded using data encryption using https and whilst offline, we utlise Firewall and IDS for network protection, have AV installed on servers, conduct scheduled updates to the servers and conduct bi-annual vulnerability assessments on all servers. Therefore, where we collect sensitive information, that information is encrypted and transmitted to us in a secure way to ensure that your personal information is safeguarded. You can verify this by looking for a closed lock icon at the bottom of your web browser, or looking for “https” at the beginning of the address of the web page.

It is our policy that if any of our clients are victims of unauthorised access to their data provided on the Site, we will cover any resulting direct financial loss which the client may suffer, provided that the client has not breached our security procedures.

You must ensure that viruses, Trojans, worms or equivalent or similar items do not enter your computer system. We assume no responsibility for loss of whatever nature, howsoever arising, resulting from such viruses, trojans, worms or equivalent or similar items.

We may record and monitor calls made or received by us to maintain high quality service standards, to check instructions, for your protection and ours, and for regulatory reasons.

If you have any queries regarding privacy issues please email us, jnmtonline@jnbs.com or write to us at JN Money Services Ltd, 2 – 4 Constant Spring Road, Kingston 10, Jamaica, West Indies.

Links to third party’s websites are there to help you. However, you use such links entirely at your own risk. We accept no responsibility or liability for the content, accuracy, privacy or availability of any external site you may encounter.

No person is permitted to link any other website to this Site or frame or scrape the content of this Site without obtaining our prior written consent.

This Site is not directed to, nor intended for distribution or use by, any person or entity in any jurisdiction or country where the publication or availability of this Site or such distribution or use would be contrary to local law or regulation. You should not access the Site or information on this Site if you know that your access would contravene applicable local, national or international laws. For guidance on rules governing your use, please contact a legal adviser.

We may change the content or services found on our Site at any time without notice by updating our site, and consequently our Privacy Policy may change at any time in the future. Your continued access to or use of the Site after changes have been effected, means that you agree and have accepted the changes. Our terms and conditions set out the basis on which any personal data we collect from you, or that you provide to us, will be processed.