Privacy Policy
Last Updated: June 13, 2025

Data Controller:
Adomcredit Limited
Registered Office: 23 Ring Road West, Greater Accra Region
Data Protection Officer: dpo@adomcredit.cc
Tel: 0503710271

This Privacy Policy describes how Adomcredit and its affiliates ("we", "us", or "our") collect, store, use, transfer, disclose, and protect your Personal Information in compliance with the Data Protection Act, 2012 (Act 843) of Ghana and other applicable laws.

By downloading the Application, you confirm that you have read, understood, and accepted the terms of this Privacy Policy. You also consent to the collection, use, storage, processing, and disclosure of your Personal Information as described herein. This Privacy Policy, along with our Terms and Conditions and any additional terms, governs your use of the Platform and Services.

1. Definitions

Unless otherwise defined, capitalized terms used in this Privacy Policy shall have the same meaning as set forth in our Terms and Conditions.

2. Personal Information We Collect

We collect Personal Information in compliance with Section 20 of the Act, collecting only necessary data for specific purposes:

Information Provided by You:

• Account Registration: Ghana Card, name, date of birth, physical address, phone number, financial information
• Payment Information: Mobile Money details, transaction records

Sensitive Personal Data:

Under Section 96 of the Act, we process financial data only with your explicit consent or to fulfill legal obligations.

2.5 Data Localization:

All personal data is stored on servers located in Ghana, in compliance with Bank of Ghana data residency requirements.

2.6 Minors' Data (Section 33):

We do not process data of persons under 18. Report accidental collection to: dpo@adomcredit.cc

3. Lawful Basis for Processing (Section 4)

Purpose	Legal Basis
Loan processing	Contractual necessity
Fraud prevention	Legal obligation (Bank of Ghana Regulation)
Marketing communications	Explicit consent

4. Data Sharing

We share data only with:

• Credit Reference Bureaus: Dun & Bradstreet Ghana
• Regulatory Bodies: Bank of Ghana
• Payment Processors: Certified Ghanaian providers

5. Data Retention

Data Type	Retention Period	Legal Basis
Loan application records	7 years post-account closure	Bank of Ghana Directive
Transaction history	10 years	Tax Compliance Act

6. Your Rights (Sections 41-48)

You have the right to:

1. Access your personal data (free first request)
2. Rectify inaccurate information within 7 days
3. Erase data ("right to be forgotten") where applicable
4. Data portability in machine-readable format
5. Object to direct marketing
6. Lodge complaints with the Data Protection Commission of Ghana

Submit requests to: dpo@adomcredit.cc

7. Data Security (Section 30)

• Data Breach Response: Notify Data Protection Commission and users within 72 hours of breaches posing significant risk
• Security Measures: Bank-grade encryption, annual penetration testing, staff confidentiality agreements

8. Cross-Border Data Transfers (Section 51)

International transfers occur only if:

• Recipient country ensures adequate protection
• Your explicit consent is obtained
• Transfer is necessary for contractual performance

9. Complaint Procedure (Section 67)

Contact our DPO first. Unresolved complaints may be filed with:
Data Protection Commission of Ghana

10. Contact Us

• Email: help@adomcredit.cc
• Data Protection Officer (DPO): dpo@adomcredit.cc

End of Policy