At Blue Financial Services Ghana Limited (“Blue”, “we”, “our”, or “us”), we are committed to protecting your personal information and upholding your privacy rights in line with the Ghana Data Protection Act, 2012 (Act 843) and the General Data Protection Regulation (GDPR) where applicable. This Privacy Policy outlines how we collect, store, use, and share your personal data when you interact with our products, services, and platforms.

1. What is Personal Data?

Under the Ghana Data Protection Act and GDPR, personal data is defined as:

“Any information relating to an identified or identifiable natural person (‘data subject’). An identifiable natural person is one who can be identified, directly or indirectly, by reference to identifiers such as a name, identification number, location data, an online identifier, or by reference to one or more factors specific to the physical, physiological, genetic, mental, economic, cultural, or social identity of that person.”

2. What Data Do We Collect?

To deliver our services and manage your relationship with us, Blue collects the following categories of personal information:

• Full name
• Email address
• Contact number
• Residential address
• Ghana Card number or other official ID (for verification)
• Account login credentials (e.g., username, password)
• Usage data from interactions with our services

Additional data may be collected when you apply for a product, sign up for a service, or participate in a promotional offer.

3. How Do We Store and Secure Your Data?

Blue takes data security seriously. While we generally do not retain personal information for longer than necessary, where storage is required, data is encrypted and securely stored on protected servers. Where applicable, we may combine the information you provide with trusted third-party data to enhance service delivery and improve your experience. All data processing is carried out in a manner that respects your privacy and complies with relevant legal standards.

Marketing-related communications will only be sent with your explicit consent.

4. How Do We Use Your Data?

Blue Financial Services Ghana Limited is the data controller responsible for the lawful processing of your personal information. Your data is used for the following purposes:

• To deliver and manage the services you request
• To respond to inquiries and provide customer support
• To verify your identity and manage your account
• To improve the performance, security, and functionality of our services
• To comply with legal and regulatory obligations

Your personal information is processed solely for these purposes and is not sold, rented, or traded to third parties for their marketing purposes.

5. Sharing and Disclosure of Information to Third Parties

We only share your personal information under the following circumstances:

• With your explicit consent, especially for sensitive personal data
• With affiliated companies and trusted third-party service providers under contractual obligations to process the data solely on our behalf and in compliance with the Ghana Data Protection Act and GDPR
• To comply with legal obligations, such as court orders or regulatory requirements
• To detect or prevent fraud, security breaches, or technical issues
• During business transactions, such as mergers, acquisitions, or asset sales—provided prior notice is given and data protection remains a priority

6. Retention of Personal Data

Blue retains personal data only for as long as it is necessary to fulfil the purposes for which it was collected or as required by law. This includes obligations under tax, audit, and financial regulations. In some cases, data retention periods are governed by specific industry requirements or contractual agreements.

We regularly review our data practices to ensure relevance, accuracy, and legal compliance. Users are encouraged to notify us of any changes to their personal information.

7. Log Information and User Communications

When you access Blue’s platforms or services, our servers may automatically record certain data sent by your browser or device, including:

• IP address
• Browser type
• Access times
• Pages visited

Additionally, communications such as emails or chats with our team may be retained to help address your requests, enhance our service quality, and for internal record-keeping.

8. Use of Affiliated Sites

Some of our services are offered in collaboration with trusted platforms such as Google, YouTube, LinkedIn, and Twitter. These third-party sites may have their own privacy policies, which we recommend reviewing separately.

9. How We Communicate with You

Blue is committed to minimising unnecessary contact and ensuring all communications are relevant and value-adding. We will not send unsolicited messages, and any data you provide will be subject to strict security and access controls.

10. Your Data Rights

You have the right to request details about the personal data Blue holds about you and how it is processed. Upon request, we will provide:

• The purpose and legal basis for processing
• Categories of personal data collected
• Any third parties with whom your data has been shared
• Retention periods and storage practices
• Your rights to access, rectify, or delete your data
• How to withdraw consent at any time
• How to lodge a complaint with the appropriate supervisory authority
• Any information about data transfers outside Ghana and safeguards in place
• Whether the data collection is statutory or contractually required

We may require proof of identity—specifically, your Ghana Card—before fulfilling such requests.

11. Automated Processing and Profiling

Where applicable, we will inform you of any automated decision-making processes that may affect you, including profiling. You will be provided with meaningful information about the logic involved and the potential impact of such processing.

12. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or how your data is handled, please reach out to us via:

📧 Email: customerservice@bluefs.com.gh
📞 Phone: 0303968196/ 0501609958
🏢 Office: Matti House, No. 817/1, No. 2, Eleventh Lane, Ringway Estates, Osu