Privacy Policy

01 Introduction

CayMark provides the technology and services necessary to facilitate transactions between buyers and sellers but is not the owner or seller of vehicles listed by independent users unless expressly stated otherwise. This Privacy Policy has been prepared in accordance with the principles of the Data Protection (Privacy of Personal Information) Act, 2003 of The Bahamas, together with any applicable regulations or amendments.

02 Scope of this Privacy Policy

This Privacy Policy applies to all personal information collected by CayMark through:

• Our official website
• User account registration
• Buyer and seller account management
• Vehicle listing submissions
• Auction participation
• Marketplace transactions
• Customer support communications
• Contact forms
• Email correspondence
• SMS communications where applicable
• Cookies and similar website technologies
• Any other services or features operated by CayMark

This Privacy Policy does not apply to third-party websites, products, or services that may be linked from our website. Users should review the privacy policies of those third parties before providing any personal information.

03 Definitions

"Personal Information" means information relating to an identified or reasonably identifiable individual, including information that can directly or indirectly identify that person.

"Processing" means any operation performed on personal information, including collecting, recording, organizing, storing, updating, retrieving, using, disclosing, transferring, retaining, restricting, or deleting such information.

"User" means any individual who visits, accesses, registers for, or uses the CayMark platform.

"Seller" means a registered user who submits one or more vehicles for listing or auction through CayMark.

"Buyer" means a registered user who places bids, purchases, or otherwise participates in auctions or marketplace transactions.

"Website" refers to all webpages, applications, and online services operated under the CayMark Auction brand.

04 Information We Collect

The type of information we collect depends on how you interact with the CayMark platform. We collect information directly from you, automatically through your use of our website, and, where legally permitted, from trusted third parties for verification or compliance purposes.

4.1 Information You Provide

You may voluntarily provide personal information when you:

• Create a Buyer or Seller account
• Complete your user profile
• Submit identity verification documents
• List a vehicle for sale or auction
• Place bids or purchase vehicles
• Contact Customer Support
• Complete forms available on our website
• Subscribe to newsletters or marketing communications
• Participate in surveys or promotional campaigns
• Upload photographs, videos, ownership documents, or other content
• Otherwise communicate with CayMark

Depending on the services you use, we may collect:

• Full legal name, username, email address, telephone number, date of birth
• Government-issued identification
• Vehicle ownership documents, registration information, and Vehicle Identification Numbers (VINs)
• Listing descriptions and vehicle photographs
• Communications with CayMark and support requests
• Transaction history, auction history, watchlists, and saved searches
• Other information necessary to provide our services

Providing false, inaccurate, or misleading information may result in the suspension, rejection, or termination of your account in accordance with our Terms of Use.

4.2 Information Collected Automatically

Whenever you visit or interact with the CayMark website, certain technical information may be collected automatically to improve the performance, reliability, and security of our platform, including:

• IP address, browser type and version, device type, operating system, language preferences
• Date and time of access, pages viewed, time spent on pages, clickstream data
• Referring website addresses and search queries
• Login activity, error reports, device identifiers, and general website usage statistics

This information is generally used for analytical, security, fraud prevention, troubleshooting, and system administration purposes and is not intended to personally identify you unless required for security or legal purposes.

4.3 Cookies and Similar Technologies

CayMark uses cookies and similar technologies to enhance the functionality, performance, and security of our website. Cookies may be used to maintain secure login sessions, remember user preferences, improve website functionality, analyze website traffic, measure website performance, detect fraudulent or unauthorized activity, improve user experience, and support website security. Most internet browsers allow you to refuse or delete cookies through your browser settings; however, disabling cookies may affect the functionality of certain areas of our website.

4.4 Information Received from Third Parties

Where permitted by law, CayMark may receive personal information from trusted third parties for legitimate business purposes, including identity verification, fraud prevention, ownership verification, or compliance with applicable legal obligations. We take reasonable steps to ensure that any information received from third parties has been collected lawfully.

05 How We Collect Personal Information

Personal information may be collected through various methods, including but not limited to:

• Account registration, profile updates, and identity verification
• Vehicle listing submissions, auction participation, and marketplace purchases
• Customer support requests, email correspondence, telephone conversations, SMS communications, and contact forms
• Cookies, website analytics tools, and security monitoring
• User-generated content and your continued use of the CayMark platform

CayMark collects only the information that is reasonably necessary to operate, improve, protect, and administer the services we provide.

06 How We Use Your Personal Information

CayMark collects and processes personal information only for legitimate business purposes that are necessary to operate, maintain, improve, secure, and administer our platform. Depending on your use of the platform, your personal information may be used to:

• Create, administer, and maintain your user account
• Verify your identity and confirm your eligibility to use CayMark
• Authenticate users and prevent unauthorized access to accounts
• Review, approve, publish, suspend, or remove vehicle listings
• Facilitate communication between buyers and sellers where necessary
• Operate online auctions and marketplace transactions
• Maintain records of bids, purchases, sales, and account activity
• Respond to customer service requests, complaints, and inquiries
• Verify ownership of vehicles submitted for sale
• Detect, investigate, and prevent fraud, identity theft, money laundering, unauthorized activity, or other unlawful conduct
• Monitor compliance with our Terms of Use and other CayMark policies
• Improve the functionality, security, and performance of our website
• Analyze website traffic and user engagement, and personalize your experience
• Conduct internal audits, quality assurance, reporting, and business analysis
• Send important administrative communications relating to your account
• Notify you of auction activity, listing updates, bid status, and account verification
• Send marketing communications where you have elected to receive them
• Comply with legal, regulatory, and governmental obligations
• Protect the rights, property, reputation, and security of CayMark and its users

We will not use your personal information for purposes that are materially different from those described in this Privacy Policy without providing appropriate notice where required by applicable law.

07 Lawful Processing of Personal Information

CayMark processes personal information in accordance with the principles established under the Data Protection (Privacy of Personal Information) Act, 2003 of The Bahamas. Where applicable, we process personal information because:

• You have voluntarily provided the information to us
• The information is necessary to provide the services you requested
• Processing is required to administer your account
• Processing is necessary to fulfill contractual obligations between you and CayMark
• Processing is required to comply with applicable legal or regulatory obligations
• Processing is necessary to protect the legitimate interests of CayMark, provided those interests do not override your rights under applicable law

08 Communications

CayMark may communicate with you through email, telephone, SMS text messaging, website notifications, or other available communication methods, including account verification notices, password reset requests, security alerts, auction reminders, bid notifications, listing approval or rejection notices, purchase confirmations, customer support responses, service announcements, website maintenance notifications, policy updates, and marketing communications where permitted. Certain communications are essential for the operation of your account and cannot be opted out of while your account remains active.

09 SMS Text Messaging

If you voluntarily provide your mobile telephone number, CayMark may send SMS text messages relating to your use of our services, including verification codes, account security notifications, auction reminders, bid confirmations, listing status updates, customer support responses, service announcements, and marketing messages where you have chosen to receive them. Standard message and data rates imposed by your mobile carrier may apply.

CayMark does not sell mobile telephone numbers collected through SMS communications. Information collected through SMS messaging is used solely for operating, securing, and supporting the CayMark platform. You may opt out of promotional SMS messages at any time by following the instructions contained within the message; however, operational or security-related communications necessary for the administration of your account may continue where reasonably required.

10 Sharing and Disclosure of Personal Information

CayMark respects the confidentiality of your personal information. We do not sell, lease, or rent personal information to third parties for their independent marketing purposes. We may disclose personal information only where reasonably necessary to operate our business or where disclosure is required or authorized by law. Information may be shared with:

Service Providers

Third-party companies providing services on behalf of CayMark, including website hosting, cloud storage, website maintenance, email communications, SMS messaging, identity verification, fraud prevention, security monitoring, technical support, and analytics services. These providers may access personal information only as necessary to perform services for CayMark and are expected to maintain appropriate confidentiality and security standards.

Buyers and Sellers

Certain information may be shared between registered buyers and sellers when reasonably necessary to facilitate a transaction conducted through the CayMark platform. Only information relevant to completing the transaction will be disclosed.

Legal and Regulatory Authorities

CayMark may disclose personal information where required to:

• Comply with applicable laws or court orders
• Respond to lawful requests from government authorities
• Cooperate with law enforcement investigations
• Protect public safety
• Investigate suspected fraud or criminal activity
• Enforce our Terms of Use and other legal agreements
• Protect the legal rights, property, or security of CayMark or its users

Business Transfers

If CayMark undergoes a merger, acquisition, restructuring, sale of assets, or other business transaction, personal information may be transferred as part of that transaction, subject to applicable legal requirements.

11 Confidentiality, Data Security and Data Retention

CayMark recognizes the importance of maintaining the confidentiality, integrity, and security of personal information entrusted to us. We maintain reasonable administrative, organizational, technical, and physical safeguards designed to protect personal information against accidental loss, unauthorized access, misuse, disclosure, alteration, destruction, or unlawful processing, including secure user authentication, password protection, encrypted communications where appropriate, role-based access controls, security monitoring, system logging, malware protection, routine software updates, and internal procedures governing access to personal information.

Access to personal information is limited to employees, contractors, or authorized service providers who require such access to perform legitimate business functions. Although we take reasonable steps to safeguard personal information, no electronic transmission or storage system can be guaranteed to be completely secure. Users are encouraged to protect their account credentials and notify CayMark immediately of any suspected unauthorized access.

Personal information will be retained only for as long as reasonably necessary to:

• Provide our services
• Maintain business records
• Comply with legal obligations
• Resolve disputes
• Enforce contractual rights
• Detect or prevent fraud
• Meet regulatory or operational requirements

When personal information is no longer required, CayMark will take reasonable steps to securely delete, anonymize, or otherwise dispose of the information in accordance with applicable legal requirements and internal retention practices.

12 Third-Party Links

For your convenience, the CayMark website may contain links to third-party websites, services, applications, or resources that are not owned, operated, or controlled by CayMark. These links are provided solely for informational or convenience purposes and do not constitute an endorsement, recommendation, or approval of any third-party website, product, or service.

Once you leave the CayMark website, any information you provide will be governed by the privacy policies and terms of the applicable third party. CayMark is not responsible for the privacy practices, security measures, content, accuracy, availability, or operation of third-party websites or services. We encourage all users to carefully review the privacy policy and terms of use of any external website before submitting personal information.

13 If You Choose Not to Provide Personal Information

Certain personal information is necessary for CayMark to provide its services safely, securely, and in compliance with applicable laws. If you choose not to provide information requested by CayMark, or if you provide incomplete, inaccurate, or misleading information, we may be unable to:

• Register or maintain your account
• Verify your identity or verify ownership of vehicles
• Publish or approve vehicle listings
• Allow participation in auctions
• Complete purchases or sales
• Respond to customer support requests
• Comply with legal or regulatory obligations
• Provide certain features available through the CayMark platform

Where permitted by law, CayMark reserves the right to suspend, restrict, or terminate access to services where required information cannot be obtained or verified.

14 Change of Purpose

CayMark will use your personal information only for the purposes described in this Privacy Policy or for purposes that are compatible with those originally disclosed at the time your information was collected. If we determine that your personal information should be used for a materially different purpose, we will update this Privacy Policy and, where appropriate or required by law, notify you before using your information for the new purpose.

15 Your Privacy Rights

In accordance with the Data Protection (Privacy of Personal Information) Act, 2003 of The Bahamas and other applicable laws, you may have certain rights regarding your personal information. Subject to verification of your identity and any legal limitations, you may request to:

• Access the personal information we maintain about you
• Request correction of inaccurate or incomplete personal information
• Update your account information
• Request deletion of personal information where retention is no longer required or permitted by law
• Withdraw consent for certain optional processing activities where consent was previously provided
• Request additional information regarding how your personal information is processed
• Make inquiries regarding the security and handling of your personal information

CayMark may require reasonable proof of identity before processing any privacy-related request to protect your information from unauthorized disclosure. Certain requests may be limited where CayMark is legally required or permitted to retain information for regulatory, contractual, fraud prevention, dispute resolution, or other legitimate business purposes. To exercise your privacy rights, please contact us using the information provided at the end of this Privacy Policy.

16 Children's Privacy

The CayMark platform is intended solely for individuals who are at least eighteen (18) years of age and who are legally capable of entering into binding agreements. We do not knowingly collect, solicit, or process personal information from individuals under the age of 18. If CayMark becomes aware that personal information belonging to a minor has been submitted through our website, we will take reasonable steps to remove such information from our records as soon as reasonably practicable. Parents or legal guardians who believe that a child has submitted personal information to CayMark are encouraged to contact us immediately.

17 Changes to this Privacy Policy

CayMark reserves the right to amend, revise, modify, or update this Privacy Policy at any time to reflect changes in our business operations, technology, legal obligations, industry standards, or the services we provide. Any revisions will become effective upon publication on the CayMark website unless otherwise stated. The "Effective Date" at the beginning of this Privacy Policy will be updated whenever material revisions are made. Where required by applicable law, we may provide additional notice of significant changes through email, website notifications, or other appropriate communication methods. Your continued use of the CayMark website or services after the effective date of any revised Privacy Policy constitutes your acknowledgment of the updated Privacy Policy.

18 Governing Law and Privacy Compliance

This Privacy Policy shall be governed by, construed, and enforced in accordance with the laws of the Commonwealth of The Bahamas. CayMark is committed to collecting, using, storing, retaining, and protecting personal information in accordance with the Data Protection (Privacy of Personal Information) Act, 2003, together with any regulations, amendments, or successor legislation applicable to the protection of personal information in The Bahamas.

Where applicable, electronic records, electronic communications, electronic signatures, electronic agreements, and electronic transactions conducted through the CayMark platform shall be recognized and governed in accordance with the Electronic Communications and Transactions Act, 2003 of The Bahamas. Where CayMark is required to comply with additional legal, regulatory, or law enforcement obligations, we will process and disclose personal information only as permitted or required under applicable Bahamian law.

19 Contact Information

If you have any questions, concerns, requests, or complaints regarding this Privacy Policy or the manner in which CayMark collects, uses, stores, or protects your personal information, please contact us.

We will make reasonable efforts to acknowledge and respond to legitimate privacy inquiries within a reasonable timeframe.