Introduction

At Blue Financial Services Ghana Limited (“Blue”, “we”, “our”, or “us”), we are committed to protecting your privacy and safeguarding your personal information. This Privacy Policy outlines how we collect, use, and disclose your data when you interact with our mobile application, iFinance (“the Service”). It also details your privacy rights and how applicable data protection laws in Ghana protect you.

 By accessing or using the Service, you agree to the collection and use of your information in accordance with this Privacy Policy.

Interpretation and Definitions

Interpretation

Words with capitalised initials have specific meanings as outlined below. These definitions apply consistently in both singular and plural forms.

 

Definitions:

• Account: A unique profile created to access our Service.
• Affiliate: Any entity that controls, is controlled by, or is under common control with Blue.
• Application: The iFinance software provided by Blue, installed on any electronic device.
• Blue: Refers to Blue Financial Services Ghana Limited (Company Reg. No. CS017342016).
• Country: Ghana
• Device: Any electronic device capable of accessing the Service.
• Personal Data: Any information relating to an identified or identifiable individual.
• Service: The iFinance mobile application.
• Service Provider: A third-party entity engaged to support or deliver aspects of the Service.
• Third-party Social Media Service: Platforms through which users may log in or register (e.g., Google, Facebook, Twitter, LinkedIn).
• Usage Data: Automatically collected data related to the use of the Service.
• You: The user of the Service, whether as an individual or on behalf of an entity.

 

Collection and Use of Personal Data

Personal Data

While using the Service, we may request personal information including, but not limited to:

• Full Name
• Email Address
• Phone Number
• Ghana Card Number
• Residential Address
• Usage Data

 

Usage Data

We collect information such as your device’s IP address, browser type, access times, and interaction with the app. For mobile devices, additional data may include device model, operating system, and location data (with your permission).

 

Third-party Social Media Integration

You may register or log in via third-party services. If you do so, we may receive data already associated with those accounts (e.g., name, email, contact list) and use it in accordance with this Privacy Policy.

 

Device Permissions

With your prior consent, we may access location data, photos, and camera features to enable specific app functionalities. Access can be managed via your device settings.

 

How We Use Your Data

Your Personal Data may be used for the following purposes:

• To provide and maintain the Service.
• To manage your Account and enable secure user access.
• To fulfil contractual obligations and deliver services.
• To communicate updates, offers, and customer support.
• To analyse user trends and enhance service delivery.
• To manage business operations, including audits, mergers, or acquisitions.
• To comply with regulatory obligations and enforce legal agreements.

 

Sharing of Your Data

We may share your information:

• With Service Providers to support service delivery.
• In business transactions (e.g., mergers or acquisitions).
• With Affiliates that are bound by this Privacy Policy.
• With business partners for promotional or product offerings.
• In public areas, where information may be visible to others.
• With your consent for any other lawful purpose.

 

Data Retention

We retain your Personal Data only as long as necessary for the purposes outlined in this policy and to comply with legal obligations (e.g., the Data Protection Act, 2012). Usage Data is typically stored for shorter periods, except where it supports service improvements or legal compliance.

 

In line with applicable Ghanaian data protection laws, customers who use our services may request the deletion of their personal data at any time. Upon receiving such a request, and subject to verification and legal requirements, we will ensure the data is securely and permanently deleted from our systems.

 

Data Transfers

Your data may be processed outside Ghana where Blue or its partners operate. We ensure appropriate safeguards are in place to protect your data during such transfers.

Disclosure of Personal Data 

We may disclose your data:

• As part of a business transaction (e.g., merger, acquisition).
• To comply with legal obligations or law enforcement requests.
• To protect Blue’s rights or investigate potential misuse of the Service.

 

Data Security

We employ industry-standard measures to protect your data. However, no system is completely secure. We advise users to also take precautions when sharing sensitive information.

 

Children’s Privacy

The Service is not intended for users under the age of 18. We do not knowingly collect information from children. If you believe a child has provided us data, please contact us immediately for removal.

 

External Links

The Service may contain links to external sites. We are not responsible for the privacy practices of these third parties. Please review their policies before providing any personal information.

 

Policy Updates

We may update this Privacy Policy periodically. Any changes will be communicated via the Service or email and become effective once posted. We encourage you to review this page regularly.

 

Contact Us

If you have any questions or concerns regarding this Privacy Policy or your Personal Data, please contact us via:

 

📧 customerservice@bluefs.com.gh

📞 0303968196 / 0501609958

🏢 Blue Financial Services Ghana Limited, Matti House,

No. 817/1, No.2, Eleventh Lane, Ringway Estates, Osu, GA-032-0507