E+MONEY LENDING SERVICES operates the E+MONEY app, prioritizing customer privacy and ensuring data security. This policy explains how we collect, use, and protect your data. Periodic updates may occur, so we encourage users to review it regularly.
Data Collection and Usage
We collect personal information with your explicit consent and do not share it with third parties. Our goal is to provide secure, reliable loan services while respecting your privacy.
Changes to the Policy
This Privacy Policy may be updated without prior notice. Users are responsible for staying informed about any modifications.
Company Information
E+MONEY LENDING SERVICES is a registered financial services provider in Ghana (Reg. Code: 1-12-2016), offering microloan solutions to Ghanaian citizens.
Address: House No. 11 24 Nii Dua Wulomo Street, Accra, GH
Email: business@e-money.ltd
Website: https://www.e-money.ltd
Privacy Policy: https://www.e-money.ltd/privacy_policy.html
We are dedicated to delivering convenient, ethical, and compliant financial solutions tailored to your needs.
We collect the following information from you:
Device Information
We may gather details such as your device name, unique identifier, language settings, hardware/software info, installed apps, and memory capacity. This data helps verify your identity, safeguard your account, and assess your financial profile to provide a suitable credit rating. The information is securely uploaded to https://www.e-money.ltd and never shared without your consent.
Location
Your device's GPS, longitude, latitude, and related location data may be collected to secure your account and confirm the geographical scope of our services. This data is uploaded securely and not shared without your permission.
Camera Access
We require camera access for facial recognition to verify your identity and prevent fraudulent loan applications. Collected data is encrypted and uploaded to our secure server, used solely for this purpose.
Application List
We collect metadata about installed apps, such as app names and versions, to evaluate your creditworthiness and detect potential risks. This information is securely transmitted to our servers and not shared without your approval.
SMS Access
We require access to your SMS messages for authentication and credit evaluation. This includes verifying the legitimacy of your registration or login by matching the OTP (One-Time Password) in the text message with the OTP entered on the device. Permissions can be managed through your device settings, but reauthorization will be necessary to continue using the app. All information is securely transmitted to https://www.e-money.ltd and will never be shared without your explicit consent.
Information Security Measures
We are committed to safeguarding your personal information with robust security measures. Here’s how we protect your data:
Advanced Security Protocols
We use industry-standard security measures to prevent data breaches, including SSL encryption, secure data storage, and access controls at our data centers. Advanced encryption technology and reliable defense mechanisms are implemented to protect against data leaks and malicious attacks.
Comprehensive Data Security System
Our top-tier data security management system ensures protection across multiple levels: organizational structure, system design, personnel oversight, operational management, and product technology. These measures safeguard against phishing, fraud, cyber vulnerabilities, viruses, and network intrusions while ensuring compliance with legal and regulatory standards.
Employee Training and Oversight
Regular security and privacy training programs enhance our staff's awareness of protecting personal information. Strict confidentiality agreements are enforced, and employee activities are closely monitored to prevent unauthorized data access.
We strive to maintain the highest level of security, using the best available technologies to protect your data from leaks, damage, or loss.
Minor Protection Policy
We strictly prohibit minors from using our services and prioritize the protection of their personal information. If you are under the age of majority, please refrain from using our services or providing any personal information.
If you are a parent or guardian, please ensure that minors under your care do not use our services. Should you have any concerns or questions about the personal information of a child under your protection, feel free to contact us using the details provided in the “Contact Us” section below.
Privacy Policy Updates
This Privacy Policy may be updated periodically. Any revisions will be posted on the relevant platform page or through other appropriate channels. If you disagree with the changes, please stop using our services or cancel any active accounts. Continued use of our platform after the updates indicates your acceptance of the revised policy.
We will not limit your rights under this Privacy Policy without your explicit consent. For significant changes, we will provide prominent notifications.
Significant changes may include:
Updates to the purpose, type, or use of personal information.
Changes in company ownership, such as mergers or acquisitions.
New policies on sharing, transferring, or disclosing personal information.
Changes in contact details or complaint-handling processes.
Contact Us
If you have any questions about this Privacy Policy, your data, or your rights, please reach out to us:
Email: business@e-money.ltd