1. Overview & Commitment

Riddims Ghana Network (“Riddims”, “we”, “us”, or “our”) operates financial guidance tools, calculators, and educational content to empower individuals in Ghana and beyond. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our interactive financial tools, or contact us through platforms like WhatsApp, email, or the contact form.

We respect Ghana’s Data Protection Act, 2012 (Act 843) and international best practices. By using our services, you agree to the collection and use of information in accordance with this policy.

2. Information We Collect

We collect different types of information to provide and improve our financial tools, respond to inquiries, and personalize guidance.

Personal Information You Provide

• Identity Data: Name, email address, phone number (when you fill out our contact form, request support, or subscribe to updates).
• Financial Inputs (non-identifiable): Figures you enter into calculators (income, expenses, savings goals) — these are processed locally or anonymously to generate results. We do not store raw calculation data unless you explicitly share it via a message.
• Communication Data: Any message, feedback, or inquiry you send via contact forms, WhatsApp, or email (e.g., info shared to help resolve a financial question).

Automatically Collected Information

• Usage Data: Pages visited, time spent on calculators, referral source, and interaction patterns — collected via cookies or similar technologies to improve performance.
• Device & Browser Data: IP address (anonymized where possible), browser type, operating system, and screen resolution to ensure our tools work seamlessly across devices.

We do not knowingly collect sensitive personal data (e.g., national ID, bank account credentials) unless you voluntarily share it in a message, in which case we advise you to avoid sharing such details. Any sensitive data accidentally shared is treated with strict confidentiality and deleted after resolution.

3. How We Use Your Information

Riddims uses collected data for legitimate business purposes and to enhance your financial journey:

• Respond to inquiries: Answer your questions, provide financial guidance, and troubleshoot calculator issues.
• Improve our tools: Analyze aggregated usage metrics to refine mortgage, savings, or investment calculators.
• Communication: Send updates about new features, financial tips (only if you opted in), or respond to support requests.
• Security & Fraud Prevention: Monitor for suspicious activity and protect our website from unauthorized access.
• Legal Compliance: Fulfill obligations under Ghanaian law or respond to lawful requests by public authorities.

4. Data Sharing & Third Parties

We never sell, trade, or rent your personal information. Limited sharing occurs only in these scenarios:

• Service Providers: Trusted third parties (e.g., hosting provider, email delivery service) who help operate our website — bound by strict confidentiality agreements and only process data per our instructions.
• Legal Requirements: If required by law, court order, or governmental regulation (e.g., Data Protection Commission, Ghana Police).
• Business Transfers: In the unlikely event of a merger or acquisition, your data would be transferred with the same privacy commitments.
• With Your Consent: Any other case where you explicitly authorize sharing.

Our website may contain links to external resources (e.g., Bank of Ghana tools) — we are not responsible for their privacy practices. Please review their policies independently.

5. Cookies & Tracking

We use minimal cookies to enhance functionality and understand site usage. Types include:

• Essential Cookies: Required for basic navigation and form submission (no consent needed).
• Analytics Cookies: Anonymous performance tracking (e.g., Google Analytics anonymized IP) to see which calculators are most helpful. You can disable analytics cookies via browser settings.

Most browsers allow you to control cookies. However, disabling essential cookies may affect interactive features. We do not use cross-site tracking or advertising cookies.

6. Data Retention

We retain personal information only as long as necessary to fulfill the purposes outlined in this policy:

• Contact form inquiries: kept for up to 24 months to provide follow-up support unless you request earlier deletion.
• Newsletter data: until you unsubscribe.
• Usage analytics: aggregated and anonymized after 14 months.

If you send a message but never engage again, we may delete your information after 2 years. You may request deletion at any time using contact details below.

7. Your Privacy Rights

Depending on your location, you may have the following rights under the Data Protection Act, 2012 (Act 843) or GDPR (if you are in the EEA):

• Access: Request a copy of personal data we hold about you.
• Rectification: Correct inaccurate or incomplete information.
• Erasure: Ask us to delete your personal data (“right to be forgotten”).
• Restriction: Limit how we use your data in certain circumstances.
• Objection: Opt out of non-essential processing (e.g., analytics cookies).
• Data Portability: Receive your data in a structured, machine-readable format.

To exercise any right, contact us using the details in Section 9. We respond within 30 days. You also have the right to lodge a complaint with Ghana’s Data Protection Commission (dataprotection.org.gh).

8. How We Protect Your Data

We implement industry-standard safeguards to prevent unauthorized access, disclosure, or alteration:

• 🔒 SSL/TLS encryption for all data transmitted between your browser and our servers.
• 🔒 Limited access to personal data — only authorized personnel (financial support team) with strict confidentiality obligations.
• 🔒 Regular security audits and updates to our website infrastructure.
• 🔒 Secure storage of backups with encryption at rest.

While no method is 100% secure, we strive to use commercially acceptable means. In case of a data breach, we will notify affected users and relevant authorities as required by law.

9. Privacy Questions & Contact

If you have any concerns about this Privacy Policy, wish to access your data, or report a privacy issue, please reach out to our Data Protection Officer (DPO) using the official Riddims channels:

Postal address: Riddims Ghana Network, Financial Privacy Office, Accra Central, P.O. Box GP 2040, Ghana.

For general inquiries, you can also use our contact form and mention “Privacy Request” in the message.

10. Updates to This Privacy Policy

We may revise this Privacy Policy occasionally to reflect changes in our practices, legal updates, or new features. The “Last updated” date at the top of this page indicates when the latest version was published. Material changes will be communicated via a notice on our website or direct contact (if applicable). We encourage you to review this page periodically.

Continued use of Riddims’ website and tools after modifications constitutes acceptance of the updated policy.