Privacy Policy.
XDS Data Ghana Limited is committed to protecting your privacy and informing you about how your information is used. This Privacy Policy explains our practices regarding the collection, use, disclosure, and protection of information that is collected through our website, mobile application, and any other mobile or online service owned and offered by XDS Data Ghana Limited. Capitalized terms that are not defined in this Privacy Policy have the meaning given to them in our Terms of Service.
Personal Information We Collect From You
We collect personal information from you in order to provide our Service and offer you a personalized, useful, and efficient experience. The categories of personal information we collect can include:
Identifying Information
You provide us information about yourself, such as your name, age, address, email address, employment or other affiliation, and password, when you are on boarded onto any of our online service provision platforms. We also collect a copy of your driver’s license, Ghana National Identification, Voters ID and billing and payment information if you utilize our Service. If you correspond with us by email, we may retain the content of your email messages, your email address, and our responses. We may also retain any messages you send through the Service.
Payment Information
XDS Data Ghana Limited collects Hosts personal payment information, including information stored on all services owned and administered by XDS Data Ghana Limited or its technical partners and affiliates. By submitting payment information, you authorize XDS Data Ghana Limited to access and use this information in order to provide you with, and accept payment for services rendered.
This allows XDS Data Ghana Limited to both confirm your identity and provide you with seamless, hassle-free transactions. XDS Data Ghana Limited will use a payment service to process payments from applicants related to credit related product processing and all other products on sale through USSD, mobile App and via website. By applying for any digital product sold by XDS Data Ghana Limited, you submit to the privacy policy of all embedded payment service providers, and you acknowledge and authorize payment service providers to collect, use, retain, and disclose your personal data in accordance with policies.
This allows XDS Data Ghana Limited to both confirm your identity and provide you with seamless, hassle-free transactions. XDS Data Ghana Limited will use a payment service to process payments from applicants related to credit related product processing and all other products on sale through USSD, mobile App and via website. By applying for any digital product sold by XDS Data Ghana Limited, you submit to the privacy policy of all embedded payment service providers, and you acknowledge and authorize payment service providers to collect, use, retain, and disclose your personal data in accordance with policies.
Social Media
When you interact with our Service through various social media, such as when you log in through Facebook or when you like or post a comment to our Facebook page or interact with us on other social media, we may receive information from the social network, such as your profile information, profile picture, user name, user ID associated with your social media account, age range, language, country, friends list, and any other information you permit the social network to share with third parties.
The data we receive is dependent upon your privacy settings with the social network. You should always review, and, if necessary, adjust your privacy settings on third-party websites and services before linking or connecting them to any service provided by XDS Data Ghana Limited.
We use personal information to operate, maintain, and provide to you the features and functionality of our service offerings, as well as to communicate directly with you, such as to send you email messages and push notifications, and permit you to communicate with others on social media or invite others to join the usage of our services.
We may also use information to provide personalized content, including advertising. We may also send you Service-related emails or messages (e.g., account verification, change or updates to features of the Service, technical and security notices).
The data we receive is dependent upon your privacy settings with the social network. You should always review, and, if necessary, adjust your privacy settings on third-party websites and services before linking or connecting them to any service provided by XDS Data Ghana Limited.
We use personal information to operate, maintain, and provide to you the features and functionality of our service offerings, as well as to communicate directly with you, such as to send you email messages and push notifications, and permit you to communicate with others on social media or invite others to join the usage of our services.
We may also use information to provide personalized content, including advertising. We may also send you Service-related emails or messages (e.g., account verification, change or updates to features of the Service, technical and security notices).
Usage Information We Collect
Use of Cookies and Other Technology to Collect Information
When you visit our website or use our mobile app or Service, we and our business partners may collect certain information about your computer or device through technology such as cookies, web beacons, log files, or other tracking/recording tools.
The information we collect through the use of tracking technologies includes but is not limited to IP address, browser information, referring/exit pages and URLs, click stream data and information about how you interact with links on the website, mobile app, or Service, domain names, landing pages, page views, and cookie data that allows us to uniquely identify your browser and track your browsing behavior on our site.
We may also use clear gifs or other technology in HTML-based emails sent to our users to track which emails are opened and which links are clicked by recipients.
Some or all of this data may be combined with other personally identifying information described above. We may also collect analytics data, or use third-party analytics tools, to help us measure traffic and usage trends for the Service and to deeply understand the demographics of our users.
These tools collect information sent by your browser or mobile device, including the pages you visit, your use of third party applications, and other information that assists us in analyzing and improving the Service.
We may work with third parties to employ technologies, including the application of statistical modeling tools, which attempt to recognize you across multiple devices.
Although we do our best to honor the privacy preferences of our visitors, we are not able to respond to DNT signals from your browser at this time.
When you access our Service by or through a mobile device, we may receive or collect and store a unique identification number associated with your device or our mobile application (including, for example, a UDID, Unique ID for Advertisers ('IDFA'), Google Ad ID, or Windows Advertising ID or other identifier), device type, model and manufacturer, mobile device operating system brand and model, phone number, and, depending on your mobile device settings, your geographical location data, including GPS coordinates (e.g. latitude and/or longitude), WiFi location, or similar information regarding the location of your mobile device.
We use or may use the data collected through these technologies to:
The information we collect through the use of tracking technologies includes but is not limited to IP address, browser information, referring/exit pages and URLs, click stream data and information about how you interact with links on the website, mobile app, or Service, domain names, landing pages, page views, and cookie data that allows us to uniquely identify your browser and track your browsing behavior on our site.
We may also use clear gifs or other technology in HTML-based emails sent to our users to track which emails are opened and which links are clicked by recipients.
Some or all of this data may be combined with other personally identifying information described above. We may also collect analytics data, or use third-party analytics tools, to help us measure traffic and usage trends for the Service and to deeply understand the demographics of our users.
These tools collect information sent by your browser or mobile device, including the pages you visit, your use of third party applications, and other information that assists us in analyzing and improving the Service.
We may work with third parties to employ technologies, including the application of statistical modeling tools, which attempt to recognize you across multiple devices.
Although we do our best to honor the privacy preferences of our visitors, we are not able to respond to DNT signals from your browser at this time.
When you access our Service by or through a mobile device, we may receive or collect and store a unique identification number associated with your device or our mobile application (including, for example, a UDID, Unique ID for Advertisers ('IDFA'), Google Ad ID, or Windows Advertising ID or other identifier), device type, model and manufacturer, mobile device operating system brand and model, phone number, and, depending on your mobile device settings, your geographical location data, including GPS coordinates (e.g. latitude and/or longitude), WiFi location, or similar information regarding the location of your mobile device.
We use or may use the data collected through these technologies to:
Remember information so that you will not have to re-enter it during your visit;
Provide custom, personalized content and information, including advertising;
Identify you across multiple devices;
Provide and monitor the effectiveness of our Service;
Monitor aggregate metrics such as total number of visitors, traffic, usage, and demographic patterns on our website and our Service;
Diagnose or fix technology problems;
Otherwise to plan for and enhance our service.
Telephone Consumer Protection Act (TCPA) Consent
Not with-standing any current or prior election to opt in or opt out of receiving calls or SMS messages (including text messages) from us, our agents, representatives, affiliates, or anyone calling on our behalf, you expressly consent to be contacted by us, our agents, representatives, affiliates, or anyone calling on our behalf for any and all purposes arising out of or relating to your Service, at any telephone number, or physical or electronic address you provide or at which you may be reached.
You agree that we may contact you in any way, including SMS messages or text messages, calls using prerecorded messages or artificial voice, and calls and messages delivered using auto telephone dialing system or an automatic texting system. Automated messages may be played when the telephone is answered, whether by you or someone else.
In the event that an agent or representative calls, he or she may also leave a message on your answering machine, voice mail, or send one via text. You consent to receive SMS messages (including text messages), calls and messages (including prerecorded and artificial voice and autodialed) from us, our agents, representatives, affiliates or anyone calling on our behalf at the specific number(s) you have provided to us, or numbers we can reasonably associate with your account (through skip trace, caller ID capture or other means), with information or questions about your use of the Service.
You certify, warrant and represent that the telephone numbers that you have provided to us are your contact numbers. You represent that you are permitted to receive calls at each of the telephone numbers you have provided to us. You agree to promptly alert us whenever you stop using a particular telephone number. Your cellular or mobile telephone provider will charge you according to the type of plan you have.
You also agree that we may contact you by email, using any email address you have provided to us or that you provide to us in the future. We may listen to and/or record phone calls between you and our representatives without notice to you as permitted by applicable law. For example, we listen to and record calls for training and quality monitoring purposes.
You agree that we may contact you in any way, including SMS messages or text messages, calls using prerecorded messages or artificial voice, and calls and messages delivered using auto telephone dialing system or an automatic texting system. Automated messages may be played when the telephone is answered, whether by you or someone else.
In the event that an agent or representative calls, he or she may also leave a message on your answering machine, voice mail, or send one via text. You consent to receive SMS messages (including text messages), calls and messages (including prerecorded and artificial voice and autodialed) from us, our agents, representatives, affiliates or anyone calling on our behalf at the specific number(s) you have provided to us, or numbers we can reasonably associate with your account (through skip trace, caller ID capture or other means), with information or questions about your use of the Service.
You certify, warrant and represent that the telephone numbers that you have provided to us are your contact numbers. You represent that you are permitted to receive calls at each of the telephone numbers you have provided to us. You agree to promptly alert us whenever you stop using a particular telephone number. Your cellular or mobile telephone provider will charge you according to the type of plan you have.
You also agree that we may contact you by email, using any email address you have provided to us or that you provide to us in the future. We may listen to and/or record phone calls between you and our representatives without notice to you as permitted by applicable law. For example, we listen to and record calls for training and quality monitoring purposes.
How We Share Your Information
We may share your personal information in the instances described below. XDS Data Ghana Limited may share your personally identifiable information with third party vendors, consultants or other service providers that perform services on our behalf or otherwise help provide the Service to you, under reasonable confidentiality terms.
We may share your information in connection with any company transaction, such as a merger, sale of all or a portion of company assets or shares, reorganization, financing, change of control or acquisition of all or a portion of our business by another company or third party or in the event of bankruptcy or related or similar proceedings.
We may share your personal information with others with whom you communicate on the Service and any information that you post or share publicly on our website or service.
Any personal information or content that you voluntarily disclose for posting to the Service, such as User Content, becomes available to the public, as controlled by any applicable privacy settings. Other brands owned or controlled by XDS Data Ghana Limited, and other companies owned by or under common ownership as XDS Data Ghana Limited, which also includes our subsidiaries (i.e., any organization we own or control) or our ultimate holding company (i.e., any organization that owns or controls us) and any subsidiaries it owns.
These companies will use your personal information in the same way as we can under this Policy.
We may also disclose personal information if we believe it to be reasonably necessary to
We may share your information in connection with any company transaction, such as a merger, sale of all or a portion of company assets or shares, reorganization, financing, change of control or acquisition of all or a portion of our business by another company or third party or in the event of bankruptcy or related or similar proceedings.
We may share your personal information with others with whom you communicate on the Service and any information that you post or share publicly on our website or service.
Any personal information or content that you voluntarily disclose for posting to the Service, such as User Content, becomes available to the public, as controlled by any applicable privacy settings. Other brands owned or controlled by XDS Data Ghana Limited, and other companies owned by or under common ownership as XDS Data Ghana Limited, which also includes our subsidiaries (i.e., any organization we own or control) or our ultimate holding company (i.e., any organization that owns or controls us) and any subsidiaries it owns.
These companies will use your personal information in the same way as we can under this Policy.
We may also disclose personal information if we believe it to be reasonably necessary to
Satisfy any applicable law or regulation and comply with legal process, such as search warrant, subpoena or court order, or other government request served on us or on our affiliates;
To enforce our Terms of Service, including to investigate potential violations thereof;
Take precautions against liability, to investigate and defend ourselves against any third-party claims or allegations, or to protect the security or integrity of our site. Typically, our policy is not to share personal information and location data with governmental agencies, except as pursuant to a search warrant, subpoena, court order, or as otherwise compelled to do so by legal process, though there may be circumstances in which we may disclose such information without such legal process if we reasonably believe such disclosure is necessary to protect the health and safety of an individual, prevent or mitigate the harm of crime or illegal activity, or other compelling circumstance. We will use our best effort to provide you notice of a law enforcement request for your personal information before we release such information, unless we are not permitted to do so.
Data Retention
XDS Data Ghana Limited may retain your information for a commercially reasonable time for backup, archival, or audit purposes, or to maintain and improve the Service. We may maintain other usage data for record-keeping and analytics purposes. Furthermore, XDS Data Ghana Limited may retain and continue to use indefinitely all. Please contact us at ask@xdsdata.com if you wish to delete your account information from our systems, though we may not be able to delete all information, as noted in this Privacy Policy.
How We Protect Your Information
XDS Data Ghana Limited prioritizes the security of your information and uses commercially reasonable physical, administrative, and technological safeguards to preserve the integrity and security of all information we collect and that we share with our service providers.
However, no security system is impenetrable, and we cannot guarantee the security of our systems 100%. In the event that any information under our control is compromised as a result of a breach of security, we will take reasonable steps to investigate the situation and, where appropriate, notify those individuals whose information may have been compromised and take other steps, in accordance with any applicable laws and regulations.
To protect your privacy and security, we take reasonable steps (such as requesting a unique password) to verify your identity before granting you access to your account. You are responsible for maintaining the secrecy of your unique password and account information and for controlling access to your email communications from XDS Data Ghana Limited at all times.
However, no security system is impenetrable, and we cannot guarantee the security of our systems 100%. In the event that any information under our control is compromised as a result of a breach of security, we will take reasonable steps to investigate the situation and, where appropriate, notify those individuals whose information may have been compromised and take other steps, in accordance with any applicable laws and regulations.
To protect your privacy and security, we take reasonable steps (such as requesting a unique password) to verify your identity before granting you access to your account. You are responsible for maintaining the secrecy of your unique password and account information and for controlling access to your email communications from XDS Data Ghana Limited at all times.
Links to Other Websites
We are not responsible for the practices employed by websites linked to or from the Service, nor the information or content contained therein.
Please remember that when you use a link to go from the Service to another website, our Privacy Policy is no longer in effect.
You are browsing and interaction on any other website, including those that have a link on our website, is subject to that website's own rules and policies. Please read over those rules and policies before proceeding.
Please remember that when you use a link to go from the Service to another website, our Privacy Policy is no longer in effect.
You are browsing and interaction on any other website, including those that have a link on our website, is subject to that website's own rules and policies. Please read over those rules and policies before proceeding.
Changes to Our Privacy Policy
If we change our privacy policies and procedures, we will post those changes on the Service to keep you aware of what information we collect, how we use it, and under what circumstances we may disclose it.
Changes to this Privacy Policy are effective when they are posted on this page. For any questions on this privacy policy, please contact us by submitting a support request by e-mail to ask@xdsdata.com
Changes to this Privacy Policy are effective when they are posted on this page. For any questions on this privacy policy, please contact us by submitting a support request by e-mail to ask@xdsdata.com
XDSDATA is the first licensed credit reporting bureau in Ghana. We assist lenders in the critical areas of their operations through the provision of timely and reliable credit information uniquely designed to suit the needs of credit markets.
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