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Privacy Policy

Last Updated: December 25, 2025

Adonai Young Entrepreneurs Co-operative Credit Union (AYECCU) ("we", "us", "our") respects your privacy and is committed to protecting your personal data. This Privacy Policy informs you as to how we look after your personal data when you visit our website (regardless of where you visit it from) or use our services, and tells you about your privacy rights and how the law protects you.

This policy is compliant with the Data Protection Act, 2012 (Act 843) of the Republic of Ghana.

1. Important Information and Who We Are

Controller: Adonai Young Entrepreneurs Co-operative Credit Union is the controller and responsible for your personal data.

Contact Details: If you have any questions about this privacy policy, please contact us at:
Email: info@ayecghana.org
Phone: +233 509 164 115 / +233 248 629 946
Address: Asogli Rd, Opposite Station Entrance, Ho, Volta Region, Ghana.

2. The Data We Collect About You

We may collect, use, store and transfer different kinds of personal data about you which we have grouped together as follows:

  • Identity Data: First name, maiden name, last name, username or similar identifier, marital status, title, date of birth, gender, and government-issued identification (e.g., Ghana Card).
  • Contact Data: Billing address, delivery address, email address, and telephone numbers.
  • Financial Data: Bank account and payment card details, loan history, credit score.
  • Transaction Data: Details about payments to and from you and other details of products and services you have purchased from us.
  • Technical Data: Internet Protocol (IP) address, your login data, 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 website.

3. How We Use Your Personal Data

We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:

  • Where we need to perform the contract we are about to enter into or have entered into with you (e.g., processing a loan or savings account).
  • Where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests.
  • Where we need to comply with a legal obligation (e.g., Anti-Money Laundering (AML) checks required by the Bank of Ghana).

4. Disclosures of Your Personal Data

We may share your personal data with the parties set out below:

  • External Third Parties: Service providers acting as processors who provide IT and system administration services.
  • Regulatory Bodies: The Credit Union Association (CUA), Bank of Ghana (BoG), and the Financial Intelligence Centre (FIC) as required by law.
  • Credit Reference Bureaus: For the purpose of credit assessment and reporting.

5. Data Security

We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorized way, altered or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know.

6. Data Retention

We will only retain your personal data for as long as reasonably necessary to fulfill the purposes we collected it for, including for the purposes of satisfying any legal, regulatory, tax, accounting or reporting requirements. By law, we have to keep basic information about our customers (including Contact, Identity, Financial and Transaction Data) for at least six years after they cease being customers.

7. Your Legal Rights

Under certain circumstances, you have rights under data protection laws in relation to your personal data, including the right to:

  • Request access to your personal data.
  • Request correction of your personal data.
  • Request erasure of your personal data.
  • Object to processing of your personal data.
  • Request restriction of processing your personal data.
  • Request transfer of your personal data.
  • Right to withdraw consent.

To exercise any of these rights, please contact us using the details provided above.