Introduction

HomeAccess is committed to protecting the privacy of its users and ensuring that personal information is handled securely and in accordance with applicable data protection laws, including the Data Protection Act 2012 in Ghana. This Privacy Policy outlines how we collect, use, and protect your personal information when you interact with our website or use our project management and loan services.

Information We Collect

We may collect the following personal information from you when you use our website or our services: (a) Personal Identification: Name, address, contact information, identification documents, and social security number (if applicable). (b) Project Information: Details about your building project, including location, scope, and budget. (c) Financial Information: Income, employment details, credit history, and bank account information. (d) Usage Data: Information about how you use our website, including your IP address, browser type, referring/exit pages, and operating system.   (e) Loan Application Data: Information related to your loan application, such as loan amount, loan term, and collateral information.

How We Use Your Information

We may use your personal information for the following purposes: (a) Project Management: To facilitate the management of your building project, including tracking expenses, managing documents, and finding artisans and professionals. (b) Loan Processing: To process your loan application and facilitate communication with our bank partners. (c) Risk Assessment: To assess your creditworthiness and determine your eligibility for a loan. (d) Fraud Prevention: To detect and prevent fraudulent activity. (e) Customer Service: To provide customer support and address your inquiries. (f) Website Improvement: To analyze website usage data and improve our services. (g) Marketing and Promotions: With your consent, we may send you marketing communications about our products and services.

Data Sharing

We may share your personal information with our bank partners to facilitate the loan application process. We may also share your information with third-party service providers who assist us in operating our website and providing our services, such as:   (a) Payment Processors: To process payments for building materials or loan applications.   (b) Credit Bureaus: To obtain and analyze your credit history. (c) Marketing Partners: To assist us with marketing and promotional activities. (d) Asset Vendors: To facilitate the delivery of building materials.

Data Security

We implement robust security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include:   (a) Encryption: We use encryption technology to protect your data during transmission. (b) Access Controls: We restrict access to your personal information to authorized personnel. (d) Regular Monitoring: We regularly monitor our systems for security vulnerabilities and take appropriate steps to address them. (e) Data Breach Response: In the event of a data breach, we will notify the relevant authorities and affected individuals as required by law.

Your Rights

You have certain rights regarding your personal information, including: (a) Access: You can request access to the personal information we hold about you.   (b) Rectification: You can request that we correct any inaccurate or incomplete personal information.   (c) Erasure: You can request the erasure of your personal information under certain circumstances. (d) Restriction of Processing: You can request a restriction on the processing of your personal information under certain circumstances. (e) Data Portability: You can request the transfer of your personal information to another organization in a structured, commonly used, and machine-readable format.   (f) Object to Processing: You can object to the processing of your personal information under certain circumstances.

Cookies and Tracking Technologies

We may use cookies and similar tracking technologies to collect information about your use of our website. This information may include your IP address, browser type, referring/exit pages, and operating system. We use this information to improve our website and provide a better user experience. You can adjust your browser settings to manage your cookie preferences.

Retention of Personal Information

We will retain your personal information for as long as necessary to fulfill the purposes for which it was collected, or as required by law. This includes retaining information related to your project management activities, loan applications, and any subsequent loan agreements. We will securely delete or destroy your personal information when it is no longer needed.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page, and we will notify you by email if the changes are significant.

Contact Information

If you have any questions about these Terms & Conditions or our services, please contact us at:
Consumer Bureau Limited
P.O.BOX KB205, Awudome Estates,
Greater Accra, Ghana.
Email: [email protected]