Privacy Policy

1. Introduction

GhanaCash ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website and services.

By accessing or using GhanaCash, you agree to the collection and use of information in accordance with this policy and the Ghana Data Protection Act, 2012.

2. Data Controller

GhanaCash is the data controller for personal information collected through our platform.

3. Information We Collect

3.1 Information You Provide

• Contact Information: Phone number (WhatsApp), Mobile Money number
• Account Information: Name, preferred language
• Communication Data: Messages sent through our WhatsApp chatbot
• Task Completion Data: Records of tasks completed and rewards earned

3.2 Information Collected Automatically

• Device Information: Browser type, operating system, device identifiers
• Usage Data: Pages visited, time spent on site, click patterns
• Cookies: Essential cookies for site functionality and analytics cookies with your consent

4. How We Use Your Information

We use the collected information for the following purposes:

• To provide and maintain our reward platform services
• To assign tasks and track task completion
• To process and send reward payments to your Mobile Money account
• To communicate with you about tasks, account status, and promotions (with your consent)
• To improve our website and services
• To comply with legal obligations

5. Legal Basis for Processing

We process your personal data under the following legal bases:

• Contract: Processing necessary to provide services you requested
• Legitimate Interests: Improving our services, fraud prevention
• Consent: Marketing communications, non-essential cookies
• Legal Obligation: Compliance with Ghanaian laws

6. How We Share Your Information

We do not sell your personal data. We may share information with:

• WhatsApp (Meta): For communication services (governed by WhatsApp's Privacy Policy)
• Mobile Money Providers: MTN, Vodafone, AirtelTigo for payment processing
• Service Providers: Hosting, analytics, and communication service providers
• Legal Authorities: When required by law or to protect our rights

7. Data Retention

We retain your personal data for as long as:

• Your account is active
• Needed to provide services
• Required by legal obligations (minimum 6 years per Ghana tax law)

When data is no longer needed, we will securely delete or anonymize it.

8. Your Rights (Ghana Data Protection Act)

You have the following rights regarding your personal data:

To exercise these rights, contact us at privacy@ghanacash.com

9. Cookie Policy

We use cookies to improve your experience:

You can manage cookie preferences through our cookie consent banner.

10. Age Restriction

Our services are only available to users 18 years and above. We do not knowingly collect personal data from minors. If you believe a minor has provided us with personal data, please contact us immediately.

11. Data Security

We implement appropriate technical and organizational security measures to protect your data against unauthorized access, alteration, disclosure, or destruction.

• Encrypted data transmission (HTTPS)
• Secure data storage
• Access controls and authentication
• Regular security assessments

12. International Data Transfers

Some of our service providers (including WhatsApp/Meta) may process data outside Ghana. When we transfer data internationally, we ensure appropriate safeguards are in place.

13. Changes to This Policy

We may update this Privacy Policy periodically. Changes will be posted on this page with an updated "Last updated" date. We encourage you to review this policy regularly.

14. Complaints

If you have concerns about how we handle your data, you can contact: