{"id":479,"date":"2025-09-09T18:31:35","date_gmt":"2025-09-09T18:31:35","guid":{"rendered":"https:\/\/mhtmicrocredit.com\/?page_id=479"},"modified":"2025-09-09T18:50:37","modified_gmt":"2025-09-09T18:50:37","slug":"privacy-notice","status":"publish","type":"page","link":"https:\/\/mhtmicrocredit.com\/index.php\/privacy-notice\/","title":{"rendered":"Privacy Notice"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"479\" class=\"elementor elementor-479\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cca096b e-flex e-con-boxed e-con e-parent\" data-id=\"cca096b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7c4a9d1 e-flex e-con-boxed e-con e-parent\" data-id=\"7c4a9d1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a6fcdda elementor-widget elementor-widget-heading\" data-id=\"a6fcdda\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Introduction<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-49da90a elementor-widget elementor-widget-text-editor\" data-id=\"49da90a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>At Microcredit Holdings Limited we respect and value your privacy and are committed to protecting your personal data in line with Ghana\u2019s 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.<br \/><br \/>This privacy notice applies specifically to MHT\u2019s collection and processing of personal data within Ghana.<br \/>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.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a9a6537 elementor-widget elementor-widget-heading\" data-id=\"a9a6537\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Principles of Processing Personal Data\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c5fa5be elementor-widget elementor-widget-text-editor\" data-id=\"c5fa5be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>In accordance with Ghana\u2019s data privacy and protection laws, we process personal data based on the following principles:<\/p><ol><li aria-level=\"1\"><strong>Lawfulness processing<\/strong>\u00a0\u2013 We collect and use your data only when permitted by law and in a fair manner.<\/li><li aria-level=\"1\"><strong>Purpose Limitation<\/strong>\u00a0\u2013 Your data is collected for specific, explicit, and legitimate purposes and not processed beyond those purposes.<\/li><li aria-level=\"1\"><strong>Data Minimisation<\/strong>\u00a0\u2013 We collect only the data necessary for the stated purpose.<\/li><li aria-level=\"1\"><strong>Accuracy\u00a0<\/strong>\u2013 We take reasonable steps to ensure your personal data is accurate and kept up to date.<\/li><li aria-level=\"1\"><strong>Storage Limitation<\/strong>\u00a0\u2013 Data is retained only as long as necessary for legal, regulatory, or business purposes.<\/li><li aria-level=\"1\"><strong>Security and Confidentiality<\/strong>\u00a0\u2013 We protect your personal data against unauthorised access, loss, or misuse through appropriate technical and organisational measures.<p>\u00a0<\/p><\/li><\/ol><p>Transparency and Accountability\u00a0\u2013 We are open about how we process data and take responsibility for our data protection practices.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8b077ce elementor-widget elementor-widget-heading\" data-id=\"8b077ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What Personal Data We Collect\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c0d5b42 elementor-widget elementor-widget-text-editor\" data-id=\"c0d5b42\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Depending on your interaction with us, we may collect:<\/p><ul><li aria-level=\"1\"><strong>Identity data:<\/strong> First name, last name, ID number, date of birth;<\/li><li aria-level=\"1\"><strong>Contact details: <\/strong>phone number, email, address, home and postal address;<\/li><li aria-level=\"1\"><strong>Technical Data:<\/strong>\u00a0includes 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.<\/li><li aria-level=\"1\"><strong>Usage Data:<\/strong>\u00a0includes information about how you use our products and services.<\/li><li aria-level=\"1\"><strong>Marketing and Communications Data:<\/strong> your preferences in receiving marketing from us and your communication preferences.<\/li><li aria-level=\"1\"><strong>Correspondence Data:<\/strong>\u00a0includes correspondence and communications with JUMO<\/li><li aria-level=\"1\"><strong>Sensitive personal information:<\/strong>\u00a0In 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.<p>\u00a0<\/p><\/li><\/ul><p>\u00a0Other publicly available personal data: including any which you have shared via a public platform (such as Twitter, Facebook or LinkedIn)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ffb4084 elementor-widget elementor-widget-heading\" data-id=\"ffb4084\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">How We Use Your Data<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d60776a elementor-widget elementor-widget-text-editor\" data-id=\"d60776a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>We process your personal data to:<\/p><ul><li aria-level=\"1\">Provide and manage our services;<\/li><li aria-level=\"1\">Meet legal and regulatory obligations;<\/li><li aria-level=\"1\">Communicate with you about your account or services;<\/li><li aria-level=\"1\">Prevent fraud, financial crime, and security threats;<\/li><li aria-level=\"1\">Improve our services and customer experience.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e8db046 elementor-widget elementor-widget-heading\" data-id=\"e8db046\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Who We Share Your Data With<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8616d54 elementor-widget elementor-widget-text-editor\" data-id=\"8616d54\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>We may share your data with:<\/p><ul><li aria-level=\"1\">Regulators, supervisory authorities, and law enforcement (where required by law);<\/li><li aria-level=\"1\">Service providers and business partners who support our operations (bound by confidentiality agreements);<\/li><li aria-level=\"1\">Professional advisers (e.g., auditors, legal advisers).<p>\u00a0<\/p><\/li><\/ul><p>We do not sell your personal data to third parties.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f253d9 elementor-widget elementor-widget-heading\" data-id=\"6f253d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Your Rights as a Data Subject<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d4d3af elementor-widget elementor-widget-text-editor\" data-id=\"6d4d3af\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Under the Ghana data protection and privacy laws, you have the following rights:<\/p><ul><li aria-level=\"1\"><strong>Right to be Informed<\/strong>\u00a0\u2013 To know why and how your data is collected and used.<\/li><li aria-level=\"1\"><strong>Right of Access\u00a0<\/strong>\u2013 To request a copy of the personal data we hold about you.<\/li><li aria-level=\"1\"><strong>Right to Rectification<\/strong>\u00a0\u2013 To have inaccurate or incomplete data corrected.<\/li><li aria-level=\"1\"><strong>Right to Erasure<\/strong>\u00a0\u2013 To request deletion of your data when it is no longer necessary or lawful for us to retain it.<\/li><li aria-level=\"1\"><strong>Right to Object<\/strong>\u00a0\u2013 To object to certain processing, including direct marketing.<\/li><li aria-level=\"1\"><strong>Right to Data Portability<\/strong>\u00a0\u2013 To request your data in a structured, commonly used format where applicable.<p>\u00a0<\/p><\/li><\/ul><p>Right to Complain\u00a0\u2013 To lodge a complaint with the\u00a0Data Protection Commission\u00a0if you believe your rights have been violated.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-306d507 elementor-widget elementor-widget-heading\" data-id=\"306d507\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">How We Keep Your Data Secure<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e777bd elementor-widget elementor-widget-text-editor\" data-id=\"7e777bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>We use encryption, access controls, and secure storage systems to protect your personal data against loss, unauthorised use, or disclosure.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1207463 elementor-widget elementor-widget-heading\" data-id=\"1207463\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Contact Us<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8fd3c68 elementor-widget elementor-widget-text-editor\" data-id=\"8fd3c68\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>If you have questions about this Privacy Notice or wish to exercise your rights, please contact us at:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d6891de elementor-widget elementor-widget-heading\" data-id=\"d6891de\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">MHT<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1fa659e elementor-widget elementor-widget-text-editor\" data-id=\"1fa659e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Data Protection Supervisor <br \/>\ud83d\udce7 <a href=\"mailto:info@mhtmicrocredit.com\" target=\"_blank\" rel=\"noopener\">info@mhtmicrocredit.com<\/a><\/p><p>If you are not satisfied with our response, you have the right to contact the\u00a0Ghana <strong>Data Protection Commission.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Introduction At Microcredit Holdings Limited we respect and value your privacy and are committed to protecting your personal data in line with Ghana\u2019s data privacy and protection laws. 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