Palm Loan | Privacy Policy (Ghana)

GATED INTELLIGENCE LTD (“we”, “us”, or “our”) is the developer and operator of the Palm Loan application. This Privacy Policy also applies to our official website www.gatedintelligence.com.

We understand the importance of your personal information and are committed to complying fully with applicable privacy protection laws in Ghana. This policy explains how we collect, use, store, and share your personal information.

By using the Palm Loan service, you agree to the processing of your information as described in this Privacy Policy. The information we collect is used solely for providing, maintaining, and improving our services. Unless explicitly stated in this policy, we will not share your personal information with any third party.

1. Information We Collect

When you use Palm Loan, we may request permission to access the following information:

1.1 Camera

We request access to your camera to verify your identity by taking photos of your ID and performing liveness detection, in order to complete KYC (Know Your Customer) verification. The images are used only for identity verification, risk control, and compliance purposes. We do not access or read any other photos or videos on your device. All images are encrypted during transmission and storage.

1.2 SMS

We request permission to read SMS messages related to financial transactions (e.g., bank notifications, payment records). We do not read or store any unrelated messages. These SMS messages are used only for transaction verification, account security checks, and anti-fraud risk control. The information is securely uploaded to our servers via encryption for risk assessment and will not be shared with any third party. If you refuse this permission, risk verification may not be completed, which could affect your loan application.

1.3 Approximate Location

We request your approximate location for account security verification and fraud prevention. This information is used solely for security validation and detecting suspicious devices or fraudulent behaviour; it is not used for continuous tracking or precise positioning. The data is securely uploaded to our servers via encryption for risk control. You may disable this permission at any time in your device settings.

1.4 Installed Applications List

We may request access to information about financial apps installed on your device (such as the presence of banking, loan, or mobile money apps). This is used only to assist in credit assessment and fraud prevention. The information is used exclusively for risk modelling and does not give us access to any app content or user data. All data is securely uploaded to our servers via encryption. Refusing this permission may impact certain risk control functions.

1.5 Device Information

We may collect limited basic device information, including device model and operating system version, to ensure service stability and compatibility, and to assist in risk control and prevention of duplicate applications. Such information is securely uploaded to our servers via encryption.

1.6 Emergency Contacts

During the loan application process, you may manually provide the name and phone number of an emergency contact. This information is used only for necessary communication regarding your account. It will not be used for marketing purposes, is securely uploaded to our servers via encryption, and will only be used in urgent situations.

1.7 Advertising Identifier

We use AppsFlyer to collect device identifiers and app usage data for ad attribution, analytics, and fraud prevention. You may manage or limit ad tracking in your device settings.

1.8 Personal Information You Provide Directly

During the loan application process, you will need to provide the following personal information for identity verification, credit assessment, loan approval, and account management:

Mobile number — for account registration and communication
Full name — for identification and account management
National ID number — for KYC verification and compliance
Date of birth — for age verification
Age — for age verification and credit assessment
Gender — for statistical analysis and credit assessment
Education level — to improve credit scoring models
Employment type — to assess loan application eligibility
Marital status — for risk assessment and loan limit determination
Income — for repayment capacity assessment and loan approval
Mobile Money wallet information — for loan disbursement and repayment processing

All the information above is used only for the stated purposes, securely uploaded to our servers via encryption, and protected by industry-standard security measures.

2. How We Use Your Information

We use your information only as necessary to provide the loan service, including for the following purposes:

Identity verification and KYC compliance
Loan application processing and eligibility assessment
Account security and fraud prevention
Loan disbursement and repayment management
Customer support and necessary communications
Compliance with applicable laws and regulatory requirements

We will not use your personal information for any purpose other than the loan service.

3. Information Sharing and Disclosure

Your personal information is stored on our secure servers. We will not share your personal information with any third party except in the following circumstances:

Legal Requirements: When required by law, regulation, or government authority.
Security Purposes: When necessary to prevent fraud, illegal activities, or to protect user safety.

We do not sell your personal information and there is no form of information trading.

4. Data Security and Storage

Palm Loan employs industry-standard security measures to protect your personal information:

Transmission Encryption: All data is protected using encryption protocols during transmission to prevent interception or tampering.
Storage Encryption: Your personal information is stored on controlled secure servers and secured using strong encryption algorithms.
Access Control: Only authorised personnel with a legitimate need may access your data, and all access is logged.

We retain your personal information only for as long as necessary to fulfil the purposes described in this policy. After your account is closed, we will delete or anonymise your information within a reasonable period in accordance with applicable laws.

5. Your Rights and Choices

Under applicable privacy laws, you have the following rights regarding your personal information:

Right of Access: To confirm whether we hold your personal information and to know the source, processing purpose, and recipients of the information.
Right to Rectification: To request correction of inaccurate, incomplete, or outdated information.
Right to Erasure: In certain circumstances (e.g., when the information is no longer necessary or exceeds the purpose of use), to request deletion of your personal information.
Right to Object: To object to the processing of your personal information based on your particular situation.

Additionally, you may manage permissions through your device settings or use the account deletion function within the application.

Please note that limiting or withdrawing certain permissions may affect the normal functioning of Palm Loan features, including the loan application process.

To exercise any of these rights, please submit a request using the contact details provided in the “Contact Us” section of this policy. We will respond within the timeframes prescribed by applicable law.

If you believe your privacy rights have been violated, you have the right to lodge a complaint with the relevant data protection supervisory authority.

6. Access to this Privacy Policy

This Privacy Policy is transparent and accessible. You may review it at any time through the following means:

In-App Access: Tap “Privacy Policy” in the “Settings” or “About” section of the Palm Loan App.
Website Access: Visit our official website at https://www.gatedintelligence.com/privacy-policy/index.html to view the latest version.
Version Updates: When we update this Privacy Policy, we will notify you via an in-app pop-up message or notification to review the latest version.

We recommend that you review this Privacy Policy periodically to understand how we protect your information. Your continued use of the Palm Loan service constitutes your acceptance of the then-current Privacy Policy terms.

7. Contact Us

If you have any questions, comments, or requests regarding this Privacy Policy or your personal information, please contact us using the details below:

GATED INTELLIGENCE LTD

info@gatedintelligence.com

www.gatedintelligence.com