Privacy Policy

1. Information We Collect

We collect information you provide directly and information generated by your use of the platform:

Account information

• Full name, phone number, and password hash at registration
• Profile updates such as address and contact details

Transaction information

• Deposit submissions including payment reference and proof images
• Investment records, dividend payments, and withdrawal requests
• Secondary market activity

Technical information

• IP address, session identifiers, and browser type (for security and fraud prevention)
• Pages visited and actions taken on the platform

2. How We Use Your Information

We use the information we collect to:

• Operate the platform: Create and manage your account, process investments, distribute dividends, and handle withdrawals.
• Prevent fraud: Detect suspicious deposit activity, rate-limit requests, and protect all users.
• Communicate with you: Send in-platform notifications about your account activity, dividends, and verifications.
• Improve the platform: Analyse usage patterns to fix issues and improve features.
• Comply with law: Meet obligations under applicable Ghanaian financial and data protection regulations.

3. Information Sharing

We do not sell your personal data. We share information only in the following limited circumstances:

• Property management partners: To coordinate rental income collection and property operations.
• Payment processors: Mobile money networks and banks receive only the minimum data needed to process transactions.
• Regulatory authorities: When required by law, court order, or a competent regulatory authority in Ghana.
• Service providers: Technology providers operating under strict confidentiality agreements who help us run the platform.

4. Data Storage and Security

Your data is stored on servers in secure data centres. We employ the following security measures:

• Passwords are stored as cryptographic hashes - we never store your password in plain text
• All forms use CSRF token protection against cross-site request forgery
• Rate limiting on login and sensitive actions to prevent brute-force attacks
• Session security with appropriate cookie settings

No security system is impenetrable. If you believe your account has been compromised, contact us immediately at support@acretrustghana.com.

5. Data Retention

We retain personal data for as long as your account is active or as needed to provide services and comply with legal obligations.

• Account and transaction records are kept for a minimum of five years for regulatory compliance
• If you close your account, we may retain anonymised transaction data for reporting purposes

6. Your Rights

Subject to applicable law, you have the right to:

• Access: Request a copy of the personal data we hold about you.
• Correction: Ask us to correct inaccurate information. Update most details directly in Account Settings.
• Deletion: Request deletion of your data where we have no legal obligation to retain it.
• Objection: Object to certain processing activities.

To exercise these rights, email us at support@acretrustghana.com with your registered phone number and request.

7. Cookies and Local Storage

We use minimal browser storage:

• Session cookie: Keeps you logged in during your browser session. Cleared when you sign out or close the browser.
• gb-theme (localStorage): Remembers your dark/light theme preference. Contains no personal data.

We do not use third-party advertising cookies or tracking pixels.

8. Changes to This Policy

We may update this Privacy Policy from time to time. When we make significant changes, we will notify registered users via an in-platform notification. Continued use of the platform after changes constitutes acceptance of the updated policy.

The date at the top of this page shows when the policy was last revised.

9. Contact

For privacy-related questions or to exercise your rights, contact us:

• Email: support@acretrustghana.com
• Phone: +233 30 278 9456
• Address: 12 Independence Avenue, Ridge, Accra