1. Introduction

 

Matmil Solutions Limited ("Matmil", "we", "our", or "us") is a professional debt recovery and collections services firm registered in Jamaica and operating at Suite 27 Winchester Business Centre, 15 Hope Road, Kingston 10, Jamaica. We are committed to protecting the privacy and personal information of all individuals who interact with our business, including clients, debtors, website visitors, and business partners.

 

This Privacy Policy explains how we collect, use, disclose, and safeguard personal information in accordance with the Data Protection Act, 2020 of Jamaica and other applicable laws. By using our website or engaging our services, you acknowledge the practices described in this Policy.

 

 

2. Information We Collect

 

2.1 Information You Provide Directly

 

When you contact us or engage our services, we may collect:

 

- Full name, job title, and company name

- Contact information including email address, telephone number, and mailing address

- Financial information relevant to your account or portfolio

- Details of the debt portfolios or accounts you refer to us

- Communications, correspondence, and instructions you send us

- Information submitted through our website enquiry form

 

2.2 Information We Collect About Debtors

 

In the course of providing recovery services to our clients, we may process personal information about debtors and third parties including:

 

- Name, date of birth, and national identification number

- Contact details including addresses, telephone numbers, and email addresses

- Employment and income information

- Financial account details and outstanding balance information

- Location data obtained through our investigative services

- Correspondence and communication records

 

2.3 Automatically Collected Information

 

When you visit our website, we may automatically collect:

 

- IP address and browser type

- Device information and operating system

- Pages visited, time spent, and referring URLs

- Cookie data and similar tracking technologies

 

 

3. How We Use Your Information

 

We use personal information for the following purposes:

 

- To provide debt recovery, process serving, field engagement, bailiff, and legal enforcement services

- To communicate with clients regarding portfolio management, strategy updates, and recovery progress

- To locate and contact debtors in connection with legitimate debt collection

- To comply with legal obligations under Jamaican law, including court orders and regulatory requirements

- To respond to enquiries submitted through our website contact form

- To improve our website, services, and operational processes

- To maintain accurate business records and financial accounts

- To protect our legal rights and enforce contractual obligations

 

 

4. Legal Basis for Processing

 

We process personal information on the following legal bases under the Data Protection Act, 2020:

 

- Contract performance – processing necessary to fulfil our service agreements with clients

- Legitimate interests – pursuing the recovery of lawfully owed debts on behalf of creditor clients

- Legal obligation – compliance with applicable Jamaican laws, court orders, and regulatory requirements

- Consent – where you have explicitly consented to a specific use, such as marketing communications

 

 

5. Disclosure of Personal Information

 

We may share personal information with:

 

- Our legal network and partner solicitors for litigation and enforcement purposes

- Bailiff officers and field agents engaged in lawful enforcement activities

- Courts, tribunals, and law enforcement agencies as required by law

- Our clients, to the extent necessary to report on recovery progress

- Technology and service providers who support our operations (under strict confidentiality obligations)

- Regulatory authorities if required by applicable law

 

We do not sell, rent, or trade personal information to third parties for commercial or marketing purposes.

 

 

6. Data Retention

 

We retain personal information for as long as is necessary for the purposes for which it was collected, including:

 

- Client and service records: typically 7 years following the conclusion of an engagement

- Debtor information: for the duration of the collections process and any associated legal proceedings, plus a reasonable period thereafter

- Website and enquiry data: up to 2 years unless a client relationship is established

- Legal and compliance records: as required by applicable Jamaican law

 

 

7. Data Security

 

Matmil Solutions Limited implements appropriate technical and organisational measures to protect personal information against unauthorised access, loss, destruction, or alteration. These measures include secure file storage, access controls, and confidentiality obligations for all staff and contractors. However, no method of transmission over the internet is completely secure, and we cannot guarantee absolute security.

 

 

8. Your Rights

 

Under the Data Protection Act, 2020 of Jamaica, you may have the right to:

 

- Access the personal information we hold about you

- Request correction of inaccurate or incomplete information

- Object to certain types of processing in specific circumstances

- Request that we restrict processing of your information

- Withdraw consent where processing is based on consent

 

To exercise any of these rights, please contact us at matmilsolutionsltd@gmail.com. We will respond within a reasonable timeframe in accordance with applicable law.

 

 

9. Cookies

 

Our website may use cookies and similar technologies to enhance user experience and gather analytical information. You may adjust your browser settings to refuse cookies; however, this may affect the functionality of our website.

 

 

10. Third-Party Links

 

Our website may contain links to third-party websites. We are not responsible for the privacy practices of those sites and encourage you to review their respective privacy policies.

 

 

11. Children's Privacy

 

Our services are intended for businesses and adults. We do not knowingly collect personal information from individuals under the age of 18. If you believe a minor has provided us with their information, please contact us immediately.

 

 

12. Changes to This Policy

 

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. The updated version will be posted on our website with a revised effective date. We encourage you to review this Policy periodically.

 

 

13. Contact Us

 

For any questions, concerns, or requests relating to this Privacy Policy or our data practices, please contact:

 

Matmil Solutions Limited

Suite 27 Winchester Business Centre, 15 Hope Road, Kingston 10, Jamaica

Telephone: 876-577-3833

Email: matmilsolutionsltd@gmail.com

Website: www.matmilsolutions.com