Sankofa Technologies Limited treats personal information we collect through this website, associated websites, mobile sites, mobile applications and other channels in accordance with this policy and all applicable privacy and data protection laws.
1. Personal Information
Personal information is any information relating to an identified or identifiable individual (you).
2. Collection
2.1. When we collect, use and are responsible for certain personal information about you, we are subject to the applicable data protection laws, regulations and guidelines and we are responsible as ‘controller’ of that personal information for the purposes of the law.
2.2. We may collect and use the following personal information about you:
i. Your name and contact information, including email address and telephone number.
ii. Information to enable us to check and verify your identity, example your date of birth.
iii. Your gender information, if you choose to give this to us.
iv. Location data, if you choose to give this to us.
v. Your billing information, transaction and payment card information.
vi. Information to enable us to undertake credit or other financial checks on you.
vii. Information about how you use our website, IT, communication and other systems.
2.3. Why we collect your personal information:
2.3.1. This personal information is required to provide the services to you including but not limited to:
i. Meeting our responsibilities to you;
ii. Following your instructions;
iii. Processing your personal information for ordinary business purposes (this includes to open and maintain your account, give effect to transactions, administer claims where applicable, manage our risks and maintain our overall relationship with you);
iv. Carrying out statistical and other analyses to identify potential markets and trends, evaluating and improving our business (this includes improving existing and developing new products and services);
v. Telling you about services and products available;
vi. Making sure our business suits your needs; and
vii. Complying with applicable regulations.
2.3.2. Without your personal information, we may not be able to provide or continue to provide you with the products or services that you need.
2.3.3. While you are using our website or applications, we automatically process certain information about your use and activities on the website or applications. We use this information to find out which areas of our website or applications people visit most and to monitor the use of our applications. This helps us to add more value to our services.
2.3.4. We collect most of this personal information directly from you: when we meet you, speak to you by telephone, or by text or email or via our website and digital applications.
3. Your consent
3.1. We will process your personal information if you give us your consent, or we are required to do so in accordance with the law. Your consent is given to us through our products and services agreements.
3.2. We will only disclose your personal information if:
i. The law requires it;
ii. We have a public duty to disclose the information;
iii. Our or your legitimate interests require disclosure; or
iv. You agreed that we may disclose your information.
4. Third-parties
4.1. We ask third-party service providers to agree to our privacy policies if they need access to any personal information to carry out their services. We will not disclose your personal information to external organization that are not our service providers, unless you gave us your consent, unless we may do so by law, or if it is necessary for the conclusion or performance or our agreement with you.
4.2. We routinely share personal information with:
i. Companies within our group
ii. Third parties we use to help deliver our products and services to you, example payment service providers
iii. Other third parties we use to help us run our business, example marketing agencies or website hosts;
iv. Third parties approved by you, e.g. social media sites you choose to link your account to or third-party payment providers; and
v. Our insurers and brokers.
4.3. We only allow our service providers to handle your personal information if we are satisfied they take appropriate measures to protect your personal information.
4.4. We also impose contractual obligations on service providers to ensure they can only use your personal information to provide services to us and to you.
4.5. We may disclose and exchange information with law enforcement agencies and regulatory bodies to comply with our legal and regulatory obligations.
5. Outside the Jurisdiction
Sometimes we will process your personal information in other countries, either to carry out your instructions or for ordinary business purposes. These countries may not have the same level of protection. If necessary, we will ask the party to whom we transfer your personal information to agree to our privacy policy.
6. Our security practices
6.1. We have appropriate security measures to prevent personal information from being accidentally lost or used or accessed unlawfully.
6.2. We also have appropriate, reasonable, technical and organisational procedures in place to deal with any suspected data security breach. We will notify you and any applicable regulator of a suspected data security breach where we are legally required to do so.
7. Marketing
7.1. If you give us permission, we may use your personal information to tell you about products, services and special offers from us or other companies that may interest you and we shall notify you of the means by which we shall do this.
7.2. We will always treat your personal information with the utmost respect and never sell it to third parties (outside our group) for marketing purposes.
7.3. We may ask you to confirm or update your marketing preferences if you instruct us to provide further products and services in the future, or if there are changes in the law, regulation, or the structure of our business.
8. Your rights
You have the following rights, which you can exercise free of charge:
i. The right to be provided with a copy of your personal information (the right of access)
ii. The right to require us to correct any mistakes in your personal information.
iii. The right to require us to restrict processing of your personal information in certain circumstances e.g. if you contest the accuracy of the data.
iv. The right to receive the personal information you provided to us, in a structured manner, commonly used and machine-readable format and/or transmit that data to a third party, in certain situations.
v. The right to object at any time to your personal information being processed for direct marketing(including profiling); in certain other situations to our continues processing of your personal information, e.g. processing carried out for the purpose of our legitimate interests.
9. Cookies
We may use cookies on our website. A cookie is a small text file that is placed onto your device (e.g. computer, smartphone or another electronic device) when you use our website. We will ask for your permission to place cookies or other similar technologies on your device, except where they are essential for us to provide you with a service that you have requested. You can withdraw any consent to the use of cookies or manage any other cookie preferences by clicking on the cookie icon. You can then uncheck boxes of appropriate cookie categories you may not be interested in. It may be necessary to refresh the page for the updated settings to take effect. If you do not want to accept any cookies, you may be able to change your browser settings so that cookies (including those which are essential to the services requested) are not accepted. If you do this, please be aware that you may lose some of the functionality of our website.
10. Third-party websites
Our website, related websites and mobile applications may have links to or from other websites. Although we try to link only to websites that also have high privacy standards, we are not responsible for their security, privacy practices or content. We recommend that you always read the privacy and security statements on these websites.
11. Monitoring of electronic communications
We communicate with you through different methods and channels. If allowed by law, we may record and monitor electronic communications to make sure that they comply with our legal and regulatory responsibilities and internal policies.
12. Monitoring and analysis
We will monitor and analyse your account for credit, fraud, compliance and other risk-related purposes as required by law.
13. Amendment of this privacy policy
We may change this privacy statement. We will publish all changes on our websites. Unless stated otherwise, the latest version of our privacy statement will replace all earlier versions.
14. Queries and complaints
If you have any queries or complaints about privacy, please contact the Privacy Officer: info@sankofatlc.com
Physical address: No 2 Integral Estates, Haatso-Narhman Accra, Ghana