PRIVACY POLICY

Overview
By accepting the Privacy Policy and Terms and Conditions in registration, you expressly consent to our use and disclosure of your personal information in the manner described in this Privacy Policy. This Privacy Policy was last updated on October 6, 2009.

Data Protection
Any information you provide us with will only be disclosed in accordance with the Data Protection Act of the 1992 Constitution of Ghana.

Collection of Personal Information
To open your e-Cedis account, we must obtain certain personal information, such as name, address, email or phone number as well as demographic information like age. For certain optional transactions, we also collect selected financial information such as local bank account details. For certain high amount transactions, we are legally required to report some personally identifiable information to the authorities. For verification purposes we reserve the right to request proof of identification in an offline format. Your IP address and access times are tracked against your user id for the dual purposes of preventing fraud and creating an audit trail when sending a payment, or logging onto our secure server. A cookie is a small text file that is stored on a user's computer for record-keeping purposes. We use cookies on this site and do link the information we store in cookies to any personally identifiable information you submit while on our site.

Use of Personal Information
We only use your personal information to service your account and to improve our services to you. However, we do share some information as part of normal business operations with banks, verification services and for fraud prevention purposes. This information may not be used by third parties for secondary purposes, unless required by law. Furthermore, when sending money to another e-Cedis account holder we will always pass on your account number to the recipient and when shopping online your delivery address will be made available to your seller for delivery. Though we make every effort to preserve your privacy we may need to disclose personal information when required by law wherein we have a good-faith belief that such action is necessary to comply with a current judicial proceeding, a court order or legal process served on our Web site. Otherwise, UNDER NO CIRCUMSTANCES will information you provide to e-Cedis be transmitted in any way to a third party.

Control of Personal Information
If a user's personally identifiable information changes (such as your regional residence, phone, email or postal address), or if a user no longer desires our service, we provide a way to correct and update that user's personally identifiable information provided to us. This can usually be done by contacting our Customer Support Department. In order to deactivate your account you will need to contact our Customer Support Department. However, please understand we cannot completely delete user information because of legal/regulatory and technical back up requirements.

Communication
Upon registration every user will receive an email confirming his successful registration. Established members will occasionally receive information on products, services and special deals via newsletter. Out of respect for the privacy of our users we present the option to not receive these types of communications.

Links
This web site contains links to other sites. Please be aware that e-Cedis is not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every web site that collects personally identifiable information. This privacy statement applies solely to information collected by this Web site.

Security
e-Cedis secures your account information from unauthorised access, use or disclosure. You must enter your email and password each time you want to access your account information or make transactions. Never share your account details with anyone. If you are concerned that your password has been compromised, you can change it any time you like once you are logged on. Never send your password or login information in an email to anyone. Our office will never ask you to do so.

Notification of Changes
Changes to this privacy statement are posted here so you know what use is made of your information. If we are going to use your personally identifiable information in a manner different from that stated at the time of collection we will notify you via email. You will have a choice whether to use your information in this new manner. However, if you have opted out of all communication with the site, or deactivated your account, then you will not be contacted, nor will your information be used in this new manner.

Contact Information
If you have any questions or suggestions regarding our privacy policy, please contact us at:

Email: privacy@e-cedis.com
Telephone: +233 302 933 639
Postal Address: P.O. Box AF 832, Adenta - Accra