Privacy Policy
Introduction and Scope
This Privacy Policy outlines the practices of Credit Cafe Africa
("we," "us," or "our") concerning the collection, use, and disclosure of personal information
when you use our platform and the choices you have associated with that information. This policy
applies to our website, mobile applications, and any other services we provide (collectively,
the "Platform").
By using the Platform, you agree to the collection and use of
information in accordance with this policy. If you do not agree with any part of this Privacy
Policy, you should not use our Platform.
Information We Collect
We collect various types of information to provide and improve
our services to you. The types of information we may collect include:
a. Personal Information: This includes your name, email address,
phone number, date of birth, and other information you provide when you register or use our
Platform.
b. Financial Information: This includes information about your
bank account, credit score, loan history, and other financial data required to process loan
applications or provide other services.
c. Usage Information: We collect information about how you
interact with our Platform, such as the pages you visit, the features you use, and the time
spent on our Platform.
d. Device and Technical Information: We collect information about
your device and internet connection, including your IP address, operating system, browser type,
and other technical information.
e. Cookies and Tracking Technologies: We use cookies and other
tracking technologies to collect information about your browsing behavior, preferences, and to
provide a more personalized experience on our Platform.
How We Use Your Information
We use the information we collect for various purposes,
including:
a. To provide and maintain our Platform, including processing
loan applications and providing customer support.
b. To personalize your experience on our Platform, such as by
tailoring content and recommendations based on your preferences.
c. To monitor and analyze the usage of our Platform, helping us
improve its performance, features, and functionality.
d. To communicate with you about your account, our services,
promotions, and updates.
e. To detect, prevent, and address technical issues, security
threats, and fraudulent activities.
f. To comply with legal and regulatory requirements and fulfill
any contractual obligations.
Disclosure of Your Information
We may share your information with third parties under the
following circumstances:
a. With our partner banks, financial institutions, and service
providers, as necessary to facilitate loan applications, provide our services, or perform
functions on our behalf.
b. With affiliates and subsidiaries for the purpose of providing
our services and for internal business purposes.
c. As required by law, such as to comply with a subpoena, court
order, or regulatory requirements.
d. In connection with a merger, acquisition, or sale of assets,
where your information may be transferred to a third party as a business asset.
e. When we believe in good faith that disclosure is necessary to
protect our rights, the safety of our users, or the public, or to detect, prevent, or address
fraud, security issues, or technical problems.
We will not sell or share your personal information with third
parties for their direct marketing purposes without your explicit consent.
Data Retention and Security
Credit Cafe Africa retains your personal information for as
long as necessary to fulfill the purposes for which it was collected, including for the purposes
of satisfying any legal, regulatory, accounting, or reporting requirements. To determine the
appropriate retention period for personal data, we consider the amount, nature, and sensitivity
of the personal data, the potential risk of harm from unauthorized use or disclosure of your
personal data, the purposes for which we process your personal data, and whether we can achieve
those purposes through other means, as well as the applicable legal requirements.
We employ a variety of security measures to protect your
personal information from unauthorized access, use, or disclosure. These measures include, but
are not limited to, the use of secure servers, firewalls, encryption, and access controls.
However, please note that no method of electronic transmission or storage is 100% secure, and we
cannot guarantee the absolute security of your information.
Your Rights and Choices
Depending on your jurisdiction, you may have certain rights
with respect to your personal information, such as the right to access, correct, delete, or
restrict the processing of your personal data. You may also have the right to object to the
processing of your personal data or to withdraw your consent for processing, where applicable.
To exercise any of these rights, please contact us at the email address provided in the Contact
Information section of this Privacy Policy.
Third-Party Links and Services
The Credit Cafe Africa Platform may contain links to
third-party websites, applications, or services that are not owned or controlled by us. This
Privacy Policy does not apply to the information practices of those third-party websites,
applications, or services. We encourage you to review the privacy policies of any third-party
websites, applications, or services before providing any personal information.
International Data Transfers
Credit Cafe Africa is based in Ghana and may process, store,
and transfer your personal information in and to a country outside of your own, with different
privacy laws that may or may not be as comprehensive as your own. By using our Platform, you
consent to the transfer of your personal information to countries outside of your country of
residence, including Ghana, where we are headquartered.
Children's Privacy
Our Platform is not intended for use by anyone under the age of
18. We do not knowingly collect personal information from children under 18 years of age. If we
become aware that a child under 18 has provided us with personal information, we will take steps
to delete such information from our records. If you become aware that a child has provided us
with personal information, please contact us at the email address provided in the Contact
Information section of this Privacy Policy.
Changes to the Privacy Policy
We reserve the right, at our sole discretion, to update, modify
or replace our Privacy Policy at any time. If a revision is material, we will make reasonable
efforts to provide at least 30 days' notice prior to any new terms taking effect. What
constitutes a material change will be determined at our sole discretion. We encourage you to
periodically review this page for the latest information on our privacy practices. Your
continued use of the Platform after any modifications to the Privacy Policy signifies your
acceptance of the changes.
Contact Information
If you have any questions or concerns about this Privacy Policy
or our data handling practices, please do not hesitate to contact us at:
Credit Cafe Africa
C225/16 Ellebal House
Accra, Ghana
[email protected]
We are committed to working with you to address any concerns
you may have and to ensure the protection of your privacy.