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Privacy Policy

Privacy Statement

At Surge Microfinance Ltd, your privacy and the protection of your personal information are of utmost importance to us. This Privacy Statement explains how we collect, use, store, and safeguard your information when you interact with our services, whether through our website, mobile application, loan platforms, or in person at our offices.

  1. Information We Collect

    2. We may collect the following categories of information:

    • Personal Identification Information
    • Financial Information
    • Digital Information (e.g., device details, IP address, browser type, location data)
    • Loan and Transaction Records (e.g., applications, repayments, and account history)
  2. How We Use Your Information

    3. Your information is collected and used for the following purposes:

    • To verify your identity and comply with regulatory requirements
    • To process loan applications and manage your account
    • To provide secure and personalized financial services
    • To communicate important updates, products, and services
    • To prevent fraud, money laundering, and other financial crimes
    • To improve our services, technology, and customer experience
  3. Sharing of Information

    4. We may share your information with:

    • Regulators and Authorities such as the Bank of Ghana, where legally required
    • Partners, Banks, and Payment Service Providers for loan processing and repayment purposes
    • Technology and Service Providers who support our operations
    • Legal or Enforcement Agencies when necessary to comply with the law or protect against fraud

    We do not sell or rent your personal data to third parties.

  4. Data Protection and Security

    5. We implement strong technical and organizational measures to protect your personal data from unauthorized access, misuse, loss, or disclosure. Access to your information is strictly limited to authorized staff and service providers who are bound by confidentiality obligations.

  5. Your Rights

    6. You have the right to:

    • Access and request a copy of your personal data
    • Request corrections to inaccurate or incomplete data
    • Withdraw consent where processing is based on consent
    • Request deletion of your data, subject to regulatory retention requirements
    • Lodge a complaint with the relevant data protection authority
  6. Data Retention

    7. We will retain your personal data only for as long as necessary to fulfil the purposes for which it was collected and to comply with applicable laws and regulations.

  7. Cookies and Online Tracking

    8. Our website may use cookies and similar technologies to enhance your browsing experience and analyze website traffic. You may control cookie settings through your browser preferences.

  8. Updates to This Privacy Statement

    9. We may update this Privacy Statement from time to time. Changes will be posted on our website with the effective date clearly indicated.

  9. Contact Us

    10. If you have any questions, concerns, or requests regarding your personal data, please contact us at:

    Surge Microfinance Ltd
    No. 4 Rangoon Lane, Cantoments - Accra
    Tel: 05371007179
    Email: info@surge.africa