PRIVACY POLICY

1. INTRODUCTION

Welcome to UNIQUE GRACE MICRO-CREDIT ENTERPRISE.

We are committed to protecting the privacy, confidentiality, and security of the personal information of our customers, employees, guarantors, suppliers, website visitors, and all persons who interact with our services.

This Privacy Policy explains:

• What information we collect
• How we collect it
• How we use it
• How we protect it
• Who we may share it with
• Your rights regarding your personal data

This policy applies to all services provided by UNIQUE GRACE MICRO-CREDIT ENTERPRISE through physical office operations, mobile communications, WhatsApp interactions, telephone calls, digital forms and applications, social media platforms, websites and online portals, and third-party service channels.

2. INFORMATION WE COLLECT

A. Personal Identification Information

• Full name
• Date of birth
• Ghana Card details
• Passport or voter ID details
• Residential and postal address
• Phone numbers
• Email address
• Passport photographs
• Pictures of prospective clients

B. Financial Information

• Bank account details
• Mobile money account details
• Salary information
• Employment information
• Loan repayment history
• Credit references
• Existing financial obligations

3. HOW WE COLLECT INFORMATION

• Loan application forms
• Interviews and customer interactions
• WhatsApp communications
• Telephone conversations
• Email correspondence
• Website forms
• Social media interactions
• Credit checks and background verification
• Third-party verification agencies
• Publicly available lawful sources

4. PURPOSE OF COLLECTING INFORMATION

• Evaluating loan applications
• Assessing repayment ability
• Conducting due diligence
• Verifying identity and employment
• Managing customer records
• Processing repayments
• Communicating with customers
• Providing customer support

5. LEGAL BASIS FOR PROCESSING PERSONAL DATA

• Customer consent
• Contractual necessity
• Legal and regulatory obligations
• Legitimate business interests
• Fraud prevention and risk management obligations

6. SHARING OF INFORMATION

We do not sell customer information. However, we may share personal data with:

• Bank of Ghana
• Law enforcement agencies
• Courts and lawful authorities
• Banks
• Credit reference bureaus
• Employers for verification purposes
• Mobile money service providers
• Auditors
• Lawyers
• IT service providers
• Debt recovery agents

7. DATA SECURITY

UNIQUE GRACE MICRO-CREDIT ENTERPRISE takes reasonable administrative, technical, and physical measures to protect personal information against:

• Unauthorized access
• Loss
• Misuse
• Alteration
• Disclosure
• Destruction

8. DATA RETENTION

We retain personal information only for as long as necessary to:

• Fulfill business purposes
• Meet legal and regulatory obligations
• Resolve disputes
• Enforce agreements

9. CUSTOMER RIGHTS

• Request access to their personal data
• Request correction of inaccurate information
• Withdraw consent where applicable
• Object to certain processing activities
• Request deletion of data where legally permissible

10. CONTACT INFORMATION

UNIQUE GRACE MICRO-CREDIT ENTERPRISE
Email: info@uniquegracemicrocredit.com
Phone: 0554527182
Address: Adjen Kotoku, Accra

11. CONSENT

By using our services, submitting information, or engaging with UNIQUE GRACE MICRO-CREDIT ENTERPRISE, you acknowledge that you have read, understood, and agreed to this Privacy Policy.

UNIQUE GRACE MICRO-CREDIT ENTERPRISE — Help when you need it most!