Privacy Policy

1. Introduction

This Privacy Policy explains how Upliftzenith (“Upliftzenith”, “we”, “us”, or “our”) collects, uses, shares, and protects personal data when providing financial planning, budgeting, and investment literacy services in Ghana. We comply with the Data Protection Act, 2012 (Act 843) and guidance from the Data Protection Commission of Ghana.

2. Data controller and contact

Upliftzenith is the data controller for the personal data described in this policy. You can contact us at:

• Address: 64 Ho Main Street, Ho, Ghana
• Email: [email protected]
• Phone: +233 20 717 4499

3. Personal data we collect

We collect and process the following categories of personal data, depending on how you engage with us:

• Identity data such as names, titles, and identification numbers when provided voluntarily.
• Contact data including email addresses, phone numbers, and postal addresses.
• Financial data such as income details, expenditure summaries, investment records, and budgeting documents that you share for advisory purposes.
• Transactional data capturing meeting notes, action plans, and service history.
• Technical data including IP address, browser type, and device identifiers derived from our website analytics and cookie tools.
• Consent records documenting permissions for data use and sharing activities.

4. How we collect personal data

We gather personal data through:

• Direct interactions when you submit forms, request consultations, or provide documents during advisory sessions.
• Automated technologies through cookies and analytics tools when you visit our website.
• Third-party sources, such as licensed partners or public databases, where you authorise the transfer or where required by law.

5. Legal bases for processing

We process personal data lawfully based on the following grounds:

• Consent: When you provide explicit consent, for example, to receive educational resources.
• Contractual necessity: To deliver advisory services, prepare plans, or respond to your enquiries.
• Legal obligations: To comply with Ghanaian laws, including anti-money laundering regulations and tax requirements.
• Legitimate interests: To enhance our services, protect our operations, and maintain accurate records while safeguarding your rights.

6. How we use personal data

Your personal data is used to:

• Deliver financial planning, budgeting oversight, and educational services.
• Communicate with you about appointments, deliverables, and updates.
• Prepare reports, dashboards, and documentation tailored to your objectives.
• Administer and improve our website, security, and client experience.
• Meet legal, regulatory, or compliance requirements relevant to our business.

7. Sharing personal data

We only share personal data when necessary and with proper safeguards:

• With licensed financial partners, such as investment advisors, when you authorise collaboration.
• With professional advisers, auditors, or legal counsel under confidentiality obligations.
• With regulators or law enforcement when required by law or lawful request.
• With service providers that host our digital tools, provided they implement appropriate security measures.

We do not sell personal data. Cross-border transfers occur only with your consent and in alignment with Ghanaian regulations.

8. Data retention

We retain personal data only for as long as necessary to fulfil the purposes outlined in this policy or meet legal obligations. We review retention periods annually. Records relating to financial advice may be retained for up to seven years in line with regulatory expectations, after which they are securely deleted or anonymised.

9. Data security

We implement administrative, technical, and physical safeguards to protect personal data against unauthorised access, alteration, or disclosure. Measures include encrypted storage, controlled access, staff training, and secure disposal procedures.

10. Your rights

Under Ghanaian law, you have the right to:

• Request access to personal data we hold about you.
• Request correction of inaccurate or incomplete data.
• Request deletion of data where lawful grounds permit.
• Object to processing or request restriction of processing in certain circumstances.
• Withdraw consent at any time, without affecting prior lawful processing.

To exercise these rights, contact us using the details provided above. We will respond within 30 days, or inform you if more time is needed.

11. Cookies and analytics

We use cookies and similar technologies to understand website usage and improve user experience. Some cookies are essential for site operation, while others provide analytics. You can manage cookie preferences via our cookie banner and browser settings.

12. Children’s privacy

Our services are not directed to individuals under 18 years old. We do not knowingly collect data from children without parental consent. If you believe a child has provided us data, please contact us so we can address the issue promptly.

13. Changes to this policy

We may update this policy to reflect operational or legal changes. Updates will be posted on this page with a revised effective date. Significant changes will be communicated directly to clients where appropriate.

14. Complaints

If you have concerns about our data practices, contact us first so we can address them. You also have the right to lodge a complaint with the Data Protection Commission of Ghana.