Introduction
At Microcredit Holdings Limited we respect and value your privacy and are committed to protecting your personal data in line with Ghana’s data privacy and protection laws. This Privacy Notice explains how we collect, use, share, and protect your personal information, through the use of our products and services and when you communicate with us, as well as your rights as a data subject.
This privacy notice applies specifically to MHT’s collection and processing of personal data within Ghana.
This notice is reviewed regularly and may be updated. We will ensure the most up to date version of this notice is published here. Please check this privacy notice regularly to stay informed about our information practices.
Principles of Processing Personal Data
In accordance with Ghana’s data privacy and protection laws, we process personal data based on the following principles:
- Lawfulness processing – We collect and use your data only when permitted by law and in a fair manner.
- Purpose Limitation – Your data is collected for specific, explicit, and legitimate purposes and not processed beyond those purposes.
- Data Minimisation – We collect only the data necessary for the stated purpose.
- Accuracy – We take reasonable steps to ensure your personal data is accurate and kept up to date.
- Storage Limitation – Data is retained only as long as necessary for legal, regulatory, or business purposes.
- Security and Confidentiality – We protect your personal data against unauthorised access, loss, or misuse through appropriate technical and organisational measures.
Transparency and Accountability – We are open about how we process data and take responsibility for our data protection practices.
What Personal Data We Collect
Depending on your interaction with us, we may collect:
- Identity data: First name, last name, ID number, date of birth;
- Contact details: phone number, email, address, home and postal address;
- Technical Data: includes internet protocol (IP) address, login information (where applicable), browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform, and other technology on the devices you use to access this site.
- Usage Data: includes information about how you use our products and services.
- Marketing and Communications Data: your preferences in receiving marketing from us and your communication preferences.
- Correspondence Data: includes correspondence and communications with JUMO
- Sensitive personal information: In limited circumstances, we may collect sensitive personal information when mandated by local laws. Such sensitive personal information will be treated with the utmost care and in accordance with special requirements set out in the Data Protection Act and other requirements the Data Commission may issue.
Other publicly available personal data: including any which you have shared via a public platform (such as Twitter, Facebook or LinkedIn)
How We Use Your Data
We process your personal data to:
- Provide and manage our services;
- Meet legal and regulatory obligations;
- Communicate with you about your account or services;
- Prevent fraud, financial crime, and security threats;
- Improve our services and customer experience.
Who We Share Your Data With
We may share your data with:
- Regulators, supervisory authorities, and law enforcement (where required by law);
- Service providers and business partners who support our operations (bound by confidentiality agreements);
- Professional advisers (e.g., auditors, legal advisers).
We do not sell your personal data to third parties.
Your Rights as a Data Subject
Under the Ghana data protection and privacy laws, you have the following rights:
- Right to be Informed – To know why and how your data is collected and used.
- Right of Access – To request a copy of the personal data we hold about you.
- Right to Rectification – To have inaccurate or incomplete data corrected.
- Right to Erasure – To request deletion of your data when it is no longer necessary or lawful for us to retain it.
- Right to Object – To object to certain processing, including direct marketing.
- Right to Data Portability – To request your data in a structured, commonly used format where applicable.
Right to Complain – To lodge a complaint with the Data Protection Commission if you believe your rights have been violated.
How We Keep Your Data Secure
We use encryption, access controls, and secure storage systems to protect your personal data against loss, unauthorised use, or disclosure.
Contact Us
If you have questions about this Privacy Notice or wish to exercise your rights, please contact us at:
MHT
Data Protection Supervisor
📧 info@mhtmicrocredit.com
If you are not satisfied with our response, you have the right to contact the Ghana Data Protection Commission.
