Privacy Policy

Introduction

Last Updated: April 13, 2025

FinLitGhana ("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 visit our website finlitghana.com (the "Site") or use our services, including participation in our financial literacy courses and workshops.

This Privacy Policy has been designed to comply with the Data Protection Act, 2012 (Act 843) of Ghana and other applicable data protection laws. By accessing or using our Site and services, you consent to the collection, use, and disclosure of information in accordance with this Privacy Policy.

We encourage you to read this Privacy Policy carefully. If you do not agree with the terms of this Privacy Policy, please do not access the Site or use our services.

Information We Collect

We collect several types of information from and about users of our Site and services, including:

Personal Information

Personal information is data that can be used to identify you directly or indirectly. We may collect the following personal information:

  • Contact Information: Name, email address, postal address, phone number
  • Profile Information: Educational background, occupation, financial goals
  • Account Information: Username, password, account preferences
  • Payment Information: Payment method details, billing address, transaction history (we do not store complete credit card information)
  • Course Participation Data: Course enrollment, progress, completion, and assessment results

Non-Personal Information

We also collect non-personal information that does not directly identify you. This may include:

  • Usage Data: Information about how you use our Site and services, including pages visited, time spent on pages, links clicked, and actions taken
  • Device Information: IP address, browser type, operating system, device type, and other technical information about your device
  • Location Data: General location information derived from IP address
  • Cookies and Similar Technologies: Information collected through cookies, web beacons, and similar technologies (see our Cookie Policy for more details)

How We Use Your Information

We use the information we collect for various purposes, including:

Providing and Improving Our Services

  • To provide you with access to our financial literacy courses, workshops, and other services
  • To process and manage your course enrollments and progress
  • To respond to your inquiries, comments, or questions
  • To improve our Site, courses, and services
  • To develop new features, products, and services

Communication

  • To send administrative information, such as updates to our terms, conditions, and policies
  • To communicate with you about your account, enrollments, or transactions
  • To send you marketing communications about our courses, events, and services (you can opt out of these communications at any time)
  • To provide course-related notifications and updates

Analytics and Research

  • To analyze usage patterns and trends
  • To conduct research and surveys to better understand our users' needs
  • To generate aggregated, non-identifying statistics about the use of our services

Legal and Security Purposes

  • To comply with legal obligations
  • To enforce our terms and conditions
  • To detect, prevent, and address technical issues, security breaches, and fraudulent activities
  • To protect our rights, property, and safety, and the rights, property, and safety of our users or others

Information Sharing

We may share your information with third parties in the following circumstances:

Service Providers

We may share your information with third-party service providers who perform services on our behalf, such as:

  • Payment processors to facilitate course payments
  • Email service providers to send communications
  • Hosting and cloud storage providers
  • Analytics providers to help us understand how our Site is used

These service providers are contractually obligated to protect your information and may only use your information as needed to provide services to us.

Legal Requirements

We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., a court or government agency).

Business Transfers

If we are involved in a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred as part of that transaction. We will notify you of any change in ownership or uses of your information.

With Your Consent

We may share your information with third parties when you have given us your consent to do so.

Aggregated or De-identified Data

We may share aggregated or de-identified information that cannot reasonably be used to identify you with third parties for research, marketing, analytics, and other purposes.

Data Retention

We will retain your personal information only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your information to the extent necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

When determining the appropriate retention period for your data, we consider:

  • The amount, nature, and sensitivity of the personal information
  • The potential risk of harm from unauthorized use or disclosure
  • The purposes for which we process your personal information
  • Whether we can achieve those purposes through other means
  • Applicable legal requirements

After the retention period, we will securely delete or anonymize your personal information so that it can no longer be associated with you.

Your Rights

Under Ghanaian data protection law and other applicable laws, you have certain rights regarding your personal information. These rights may include:

Right to Access

You have the right to request information about the personal data we hold about you and to obtain a copy of that data.

Right to Rectification

You have the right to request the correction of inaccurate or incomplete personal information about you.

Right to Erasure

In certain circumstances, you have the right to request the deletion of your personal information.

Right to Restrict Processing

You have the right to request that we restrict the processing of your personal information in certain circumstances.

Right to Data Portability

You have the right to receive your personal information in a structured, commonly used, and machine-readable format, and to transmit that data to another controller.

Right to Object

You have the right to object to the processing of your personal information in certain circumstances, including for direct marketing purposes.

Right to Withdraw Consent

If we rely on your consent to process your personal information, you have the right to withdraw that consent at any time.

To exercise any of these rights, please contact us using the information provided in the "Contact Us" section below. We will respond to your request within a reasonable timeframe and in accordance with applicable data protection laws.

Data Security

We have implemented appropriate technical and organizational measures to protect your personal information from unauthorized access, use, disclosure, alteration, or destruction. These measures include:

  • Encryption of sensitive data in transit and at rest
  • Regular security assessments and audits
  • Access controls and authentication procedures
  • Staff training on data protection and security practices
  • Physical security measures at our facilities

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

Children's Privacy

Our Site and services are not intended for children under the age of 18. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and believe that your child has provided us with personal information, please contact us, and we will delete such information from our systems.

Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. We will also notify you of material changes through email or a prominent notice on our Site before the changes become effective.

We encourage you to review this Privacy Policy periodically for any changes. Your continued use of our Site and services after any modifications indicates your acceptance of the updated Privacy Policy.

Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at:

FinLitGhana
123 Financial Street
Accra Central
Accra, Ghana

Email: [email protected]
Phone: +233 30 000 0000

We will respond to your inquiry within a reasonable timeframe.