Privacy Policy

Effective Date: 16th March 2026
Last Updated: 16th March 2026

1. Introduction

Welcome to PledgePoint. We respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how PledgePoint Company LTD (“PledgePoint,” “we,” “our,” or “us”) collects, uses, stores, discloses, and protects your information when you use our website, mobile application, and related services. By accessing or using our platform, you agree to the practices described in this Privacy Policy.

2. Who We Are

PledgePoint Company LTD is a collateral-based short-term lending platform that allows users to apply for loans by pledging personal gadgets or valuables as collateral.

Contact Information

PledgePoint Company LTD
Accra, Ghana
Email: [Insert Official Support Email]
Phone: [Insert Official Phone Number]

3. Information We Collect

a. Personal Information

  • Full name
  • Phone number
  • Email address
  • Date of birth
  • Residential address
  • National ID, student ID, Ghana Card, or other identification details
  • Selfie or verification photo

b. Loan and Collateral Information

  • Type of item pledged
  • Brand, condition, serial number, and estimated value of item
  • Photos of collateral
  • Ownership proof such as receipts or supporting documents
  • Loan application details
  • Repayment history and loan status

c. Payment Information

  • Mobile Money details
  • Bank account or card details where applicable
  • Payment transaction history
  • Digital payment confirmations

d. Technical Information

  • Device type
  • Browser type
  • Operating system
  • IP address
  • Log data
  • Cookies and usage data

4. How We Use Your Information

  • Create and manage your account
  • Verify your identity and eligibility
  • Review and process loan applications
  • Assess pledged collateral
  • Track repayments and send reminders
  • Process payments and issue receipts
  • Communicate with you about your account or loan
  • Improve our website, app, and services
  • Prevent fraud, abuse, and unauthorized access
  • Comply with legal and regulatory obligations

5. Legal Basis for Processing

  • Perform our contract with you
  • Comply with legal obligations
  • Protect our legitimate business interests
  • Prevent fraud and misuse
  • Act on your consent where required

6. Sharing of Information

We do not sell your personal information. We may share your information with:

  • Employees, officers, and authorized representatives of PledgePoint
  • Payment processors and financial service providers
  • Identity verification or fraud prevention providers
  • Cloud hosting and technology service providers
  • Legal, regulatory, or law enforcement authorities when required
  • Professional advisers such as auditors, insurers, or legal counsel

We only share information necessary for the relevant purpose.

7. Data Retention

We retain your information as long as necessary to provide our services, maintain records, resolve disputes, and comply with legal requirements. When no longer needed, your information will be securely deleted or anonymized.

8. Data Security

We use reasonable safeguards, including secure servers, restricted access, encrypted transmission, authentication, and internal monitoring. However, no online platform is completely secure.

9. Cookies and Tracking Technologies

Our website may use cookies and similar technologies to improve user experience, remember preferences, analyze traffic, and enhance performance. Disabling cookies may affect functionality.

10. Your Rights

  • Access your personal information
  • Request correction of inaccurate data
  • Request deletion of certain data
  • Object to certain processing
  • Withdraw consent where processing is based on consent
  • Request information about how your data is used

To exercise these rights, contact: [Insert Support Email]

11. Third-Party Services

We may contain links or integrations with third-party services. We are not responsible for their privacy practices.

12. Children’s Privacy

Our services are not intended for children under 18 unless permitted by law. We do not knowingly collect information from minors without authorization.

13. International Data Transfers

Your information may be stored or processed outside Ghana. By using our services, you accept these transfers under reasonable safeguards.

14. Changes to This Privacy Policy

We may update this Privacy Policy periodically. Updates will be posted with the revised effective date.

15. Contact Us

PledgePoint Company LTD
Email: info@pledgepointcredit.org