Privacy Policy | Hala GH

Privacy PolicyBMA Hala GH LTD - Privacy Policy

Last updated: 9/19/2025

Hala GH ("we," "our," or "us") is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, store, disclose, and protect your information when you use our services, applications, platforms, and website.

Agreement to PolicyBy accessing or using our services, you agree to the terms of this Privacy Policy.

1. Information We CollectWe collect both personal and non-personal information, including but not limited to:

1.1. Personal Information

Full name, contact details (email, phone number)
Identification (ID number, date of birth, address)
Device information (IMEI, model, OS version – for smartphone lock users)

2. How We Use Your InformationWe use the collected information for the following purposes:

To provide and manage our fintech and enterprise services
To verify identity and prevent fraud
To process payments and manage payment plans
To improve user experience and service functionality
To communicate updates, promotions, and notifications
To comply with legal and regulatory obligations

3. Legal Basis for Processing (Under Ghanaian Law)Under the Data Protection Act, 2012 (Act 843), we process your personal data based on:

Your consent
Performance of a contract
Compliance with legal obligations
Legitimate interests pursued by Hala GH or a third party

4. Sharing and Disclosure of InformationWe do not sell or rent your personal information. However, we may share your data with:

Service Providers:For technical operations, payment processing, and customer support

Phone Dealers:For device monitoring and payment enforcement

Regulators and Law Enforcement:Where required by law or in response to legal processes

Affiliates and Partners:With contractual safeguards and only for relevant business purposes

Data Protection CommitmentAll third parties are contractually bound to protect your data and comply with Ghanaian data protection laws.

5. Data Storage and RetentionYour data is stored securely on cloud servers with encryption and restricted access protocols.Personal data is retained only as long as necessary to fulfill the purposes listed above or to comply with legal and regulatory requirements.Upon expiration or request (if permissible), your data is securely deleted or anonymized.

6. Security of Your InformationWe use appropriate technical and organizational measures to safeguard your personal data, including:

End-to-end encryption
Two-factor authentication
Access control policies
Regular system audits and penetration testing

Security NoticeDespite these measures, no system is 100% secure, and we cannot guarantee absolute security of your data.

7. Your Rights (Under Ghana's Data Protection Act)As a data subject, you have the right to:

Request access to your personal data
Correct or update inaccurate or incomplete data
Object to the processing of your data for marketing purposes
Withdraw consent at any time
Request deletion of your data (subject to legal limits)
Lodge a complaint with the Data Protection Commission of Ghana

How to Exercise Your RightsRequests can be submitted via email: admin@halagh.com

8. Children's PrivacyOur services are not intended for children under the age of 18. We do not knowingly collect data from children. If you believe a child's data has been provided to us, please contact us for prompt deletion.

9. Changes to This PolicyWe may update this Privacy Policy periodically. You will be notified of significant changes via our website or registered email. Continued use of our services after such updates constitutes your consent to the revised policy.

10. Contact UsIf you have any questions or concerns regarding this Privacy Policy or how we process your data, please contact us:

BMA Hala GH LTD

Email: privacy@halagh.comPhone: 0553450569Website: www.halagh.com