This Privacy Policy describes how AGA-CIRANKO Limited ("we", "our", or "us") collects, uses, stores, and protects your information when you use the AgyapaCredit mobile application ("App") and related services. By using the App, you consent to the data practices described in this policy.
Legal Basis for Processing: We process your personal information based on the following legal grounds: (1) Your explicit consent when you grant permissions within the App; (2) The necessity to perform our contract with you (to provide loan services); (3) Compliance with legal obligations (such as anti-money laundering regulations); and (4) Our legitimate interests in preventing fraud and improving our services.
We collect several types of information to provide and improve our loan services. Your consent is required for certain data collection.
To assess your creditworthiness, manage risks, and prevent fraud, AgyapaCredit may collect your SMS records and securely transmit and store them on our server, including sender, phone number, date, and message content. Only SMS messages related to financial transactions (such as from banks, mobile money services like MTN, Vodafone, AirtelTigo), airtime top-ups, bills, and service verification codes are collected. Irrelevant SMS data is filtered out and not stored.
We do not share SMS content with third parties and implement security measures to protect your data.
You may deny SMS access permissions in your device settings, though this will limit our ability to perform credit assessment and may affect your loan application or available loan amounts. You can enable or disable this permission at any time in your device settings.
We collect information about apps installed on your device, including app names, package names, and installation dates. This information is transmitted and stored on our secure servers.
This data is used to analyze behavior patterns for creditworthiness assessment and fraud prevention. We primarily focus on identifying the presence and types of financial, communication, and utility applications. Data from other apps is neither analyzed in detail nor stored for extended periods.
You can deny access to your installed applications list in your device settings, but this may limit our fraud prevention capabilities and could affect your loan evaluation.
We collect approximate location information from your device, including geographic area or region. This data is transmitted and stored on our secure servers.
This information is used to verify your identity, assess application consistency, and enhance the security of your account against fraudulent activities.
You may deny location access permissions in your device settings, though this may affect our ability to verify your identity and complete your loan application.
We request access to your camera to allow you to take photos of your government-issued ID (such as Ghana Card) and a live selfie for KYC (Know Your Customer) verification required for our loan services. These images are transmitted and securely stored on our servers.
We do not access any other photos or videos stored on your device.
Camera access requires your consent. Without this permission, you cannot complete the identity verification process necessary for loan applications.
We collect basic device data, including general device specifications (such as model and operating system version), network connectivity information, and system settings. This technical information is necessary for ensuring the App functions correctly on your device, maintaining service stability and security, and providing a personalized experience. This data is transmitted and stored on our secure servers.
This information is used to ensure service stability, enhance security, prevent fraudulent activities, and personalize your experience.
This data collection is essential for the App's basic functionality and security. Without it, we cannot guarantee the secure operation of our services.
We collect information for up to two emergency contacts, including their name, phone number, and relationship to you. This data is transmitted and securely stored on our servers.
This information is used solely for identity verification, eligibility assessment, and risk analysis. You can provide this information manually or by selecting contacts from your contact list. When selecting from your contact list, we only access the specific contacts you choose.
Providing emergency contact information is optional but may be required for certain loan products or higher loan amounts. If you choose not to provide this information, it may limit the loan products available to you.
We use AppsFlyer to collect device identifiers (such as Advertising ID), app usage data, and campaign information. This data is processed by AppsFlyer and may be stored on their secure servers.
This information is used for advertising attribution, analytics, marketing optimization, and fraud prevention related to our advertising campaigns.
You can manage or limit ad tracking through your device's advertising settings. Limiting this tracking will not affect the core loan services but may affect the relevance of marketing communications you receive.
We collect information you provide during registration and loan application, including your full name, phone number, email address, date of birth, gender, residential address, Ghana Card number and details, education level, employment information, monthly income, and financial account details. This data is transmitted and securely stored on our servers.
This information is used to verify your identity, process your loan application, assess your creditworthiness, disburse loans, communicate with you about your account, and provide customer support.
Providing this information is necessary to use our loan services. Without it, we cannot process your loan application or provide you with credit services.
We use the collected information for the following purposes:
We implement reasonable security measures to protect your information from unauthorized access, alteration, disclosure, or destruction. All data transmission is secured with SSL encryption, and we employ technical safeguards at multiple levels to ensure system security.
Your data is stored on secure servers with access restricted to authorized personnel who require it to perform their job functions. We retain your information only as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements.
We retain your personal information for as long as necessary to provide our services, fulfill the purposes described in this policy, and comply with legal requirements. When we no longer need your information, we will securely delete or anonymize it.
How to Delete Your Data: You can request deletion of your account and personal data by:
We will process your request within 30 days. Please note that we may need to retain certain information for legal or legitimate business purposes, such as to comply with anti-fraud regulations, financial reporting requirements, or resolve disputes. After processing your deletion request, we will retain only the data necessary for these specific purposes for the legally required retention period.
You have the following rights regarding your personal information:
To exercise these rights or for any privacy-related questions, please contact us at: support@agaciranko.com
Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information.
We may update this Privacy Policy periodically to reflect changes in our practices or for other operational, legal, or regulatory reasons. The updated version will be posted in the App and on our website with a revised "Last Updated" date. We encourage you to review this policy regularly to stay informed about how we are protecting your information.
Your continued use of the App after any changes to this Privacy Policy constitutes your acceptance of the updated policy.
If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us at:
Email: support@agaciranko.com
Website: www.agaciranko.com
Response Time: We strive to respond to all privacy-related inquiries within 7 business days.