1.1 Personal Information

When you use SikaTrust services, we may collect:

• Full name and contact details (email, phone number)
• Date of birth and government-issued identification
• Financial information (account details, transaction history)
• Demographic information (location, occupation)
• Device information (IP address, device type, operating system)

1.2 Usage Data

We automatically collect information about:

• Service usage patterns and preferences
• Transaction history and savings behavior
• Technical logs and error reports

• Service Delivery: To provide and maintain our financial management services
• Account Management: To create and manage your user account
• Transaction Processing: To facilitate microcredit and savings operations
• Security: To verify identity and prevent fraud
• Improvement: To enhance and personalize your experience
• Communication: To send important notices and updates
• Compliance: To meet legal and regulatory requirements

We may share your information with:

• Financial Partners: Only as necessary to provide our services (e.g., mobile money providers)
• Service Providers: Third parties who assist in our operations (with strict confidentiality agreements)
• Legal Requirements: When required by law or to protect our rights
• Business Transfers: In connection with any merger or sale of company assets

We do not sell your personal information to third parties.

We implement robust security measures including:

• 256-bit SSL encryption for all data transmissions
• Secure server infrastructure with regular audits
• Multi-factor authentication options
• Regular staff training on data protection

While we implement these measures, no system is 100% secure, and we cannot guarantee absolute security.

5.1 Access and Correction

You may access and update your personal information through your account settings or by contacting us.

5.2 Data Retention

We retain your information only as long as necessary to:

• Provide services to you
• Comply with legal obligations (typically 5-7 years for financial records)
• Resolve disputes

5.3 Account Deletion

You may request deletion of your account and personal data by:

1. Emailing privacy@sikatrust.com
2. Calling our support line: 0547901448
3. Submitting a request through our support portal

Note: Some data may be retained for legal or regulatory purposes even after account deletion.

Our services are not directed to individuals under 18. We do not knowingly collect personal information from children without parental consent.

We may update this policy periodically. We will notify you of significant changes through our platform or via email. Your continued use of our services constitutes acceptance of the updated policy.

If you have questions about this Privacy Policy or our data practices:

SikaTrust Data Protection Officer
Cape Coast, Central Region / Takoradi-Western Region, Ghana
P: 0547901448
E: privacy@sikatrust.com