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Consumer Bureau is committed to protecting the privacy of its users and ensuring that personal information is handled securely and in accordance with applicable data protection laws, including the Data Protection Act 2012 in Ghana. This Privacy Policy outlines how we collect, use, and protect your personal information when you interact with our website or apply for a loan through our platform.
Consumer Bureau Ltd (referred to as "CB Ghana" ) is an advisory and platform service provider. We provide platform for customers of our partners such as banks, pensions and insurance companies to apply for cash and asset loans.
We may collect the following personal information from you when you use our website or apply for a loan: (a) Personal Identification: Name, address, contact information, date of birth and identification documents. (b) Financial Information: Income, employment details, credit history, and bank account information. (c) Usage Data: Information about how you use our website, including your IP address, browser type, referring/exit pages, and operating system. (d) Loan Application Data: Information related to your loan application, such as loan amount, loan term, desired asset (if applicable), and collateral information.
We may use your personal information for the following purposes: (a) Loan Processing: To process your loan application and facilitate communication with our bank partners. (b) Risk Assessment: To assess your creditworthiness and determine your eligibility for a loan. (c) Fraud Prevention: To detect and prevent fraudulent activity. (d) Customer Service: To provide customer support and address your inquiries. (e) Website Improvement: To analyze website usage data and improve our services. (f) Marketing and Promotions: With your consent, we may send you marketing communications about our products and services.
We may share your personal information with our bank partners to facilitate the loan application process. We may also share your information with third-party service providers who assist us in operating our website and providing our services, such as: (a) Payment Processors: To process payments for loan applications. (b) Credit Bureaus: To obtain and analyze your credit history. (c) Marketing Partners: To assist us with marketing and promotional activities. (d) Asset Vendors: To facilitate the delivery of assets if your loan is approved.
We implement robust security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include: (a) Encryption: We use encryption technology to protect your data during transmission. (b) Access Controls: We restrict access to your personal information to authorized personnel. (c) Regular Monitoring: We regularly monitor our systems for security vulnerabilities and take appropriate steps to address them. (d) Data Breach Response: In the event of a data breach, we will notify the relevant authorities and affected individuals as required by law.
You have certain rights regarding your personal information, including: (a) Access: You can request access to the personal information we hold about you. (b) Rectification: You can request that we correct any inaccurate or incomplete personal information. (c) Erasure: You can request the erasure of your personal information under certain circumstances. (d) Restriction of Processing: You can request a restriction on the processing of your personal information under certain circumstances. (e) Data Portability: You can request the transfer of your personal information to another organization in a structured, commonly used, and machine-readable format. (f) Object to Processing: You can object to the processing of your personal information under certain circumstances.
We may use cookies and similar tracking technologies to collect information about your use of our website. This information may include your IP address, browser type, referring/exit pages, and operating system. We use this information to improve our website and provide a better user experience. You can adjust your browser settings to manage your cookie preferences.
We will retain your personal information for as long as necessary to fulfill the purposes for which it was collected, or as required by law. This includes retaining information related to your loan application and any subsequent loan agreements. We will securely delete or destroy your personal information when it is no longer needed.
We may update this Privacy Policy from time to time. Any changes will be posted on this page, and we will notify you by email if the changes are significant.
If you have any questions about this Privacy Policy or our practices, please contact us at:
Consumer Bureau Limited,
P.O.BOX KB205, Awudome Estates,
Greater Accra, Ghana.
Email: [email protected]