Website Privacy Statement
Ghana Home Loans respects your privacy and we are committed to keeping your personal information and other data confidential and secure.
- When does this Website Privacy Statement apply?
This Website Privacy Statement explains the approach taken by Ghana Home Loans Limited toward the personal information and data that we collect about you (“Your Information”) when you visit this Website, electronically respond to our online advertisements or when you send us communications via any computer, mobile or other similar electronic devices (“Device”). It does not apply to information we collect in other ways e.g. when you are dealing with our staff in a branch or over the telephone. In these cases, there may be other privacy statements and terms and conditions that are applicable.
This Website Privacy Statement is limited to information and data collected on this Website, our online advertisements and electronic communications. Our Website Privacy Statement does not apply when you leave our Website, including third-party websites where our online advertisements are displayed or links to third-party websites which we do not operate or control. Please read the privacy statements and terms and conditions of these third-party websites and decide whether they satisfactorily protect your rights.
- You consent to our use of Your Information and Cookies
- What information do we collect about you?
The Cookies collect information about how people use the Website and in some parts of our Website, we specifically ask for your Information (loan applications and job applications). Otherwise, you can use the Website without providing your Information.
- to determine whether the cookies setting on your web browser has been enabled or disabled so that we will know whether data can be collected from your web browser;
- to remember the choices you make (such as your user name) so you do not have to re-enter that information when you return to the Website;
- to temporarily identify you after you have logged in to a secure page on our Website so that our web server can maintain a dialogue with your web browser in order for you to carry out certain activities;
- to temporarily allow you to carry information between pages of our Website to avoid having to re-enter that information;
- to track your visits to our Website and recognize your web browser when you are a repeat visitor so that we can gather statistics on the number of new and repeat visitors and evaluate website effectiveness;
- to temporarily store information on your link preferences and your movement between web pages to help us to improve the Website and provide a more useful experience; and
- to make our Website more relevant to your interests.
The above cookies may be placed on your Device by us or by third parties on our behalf (for example, advertising networks and providers of external services like web traffic analysis services).
Other cookies may be stored to your computer’s hard drive by external vendors when this website uses referral programs, sponsored links or adverts. Such cookies are used for conversion and referral tracking and typically expire after 30 days, though some may take longer. No personal information is stored, saved or collected.
Most web browsers are initially set up to accept cookies. You can choose to ‘not accept’ cookies by changing the settings on your web browser but if you block all cookies, including strictly necessary cookies, you may find that certain features on our Website will not work properly.
(b) Online Forms
There are sections of the Website where we ask for personal information, for example, when you complete online forms to submit an enquiry or apply for a particular product. Please ensure you also read any applicable Terms and Conditions for these products and services.
(c) Job Applicants
Personal information provided on our Website in connection with an application for employment will be used to determine your suitability for a position with Ghana Home Loans and, if applicable, your terms of employment or engagement. Your Information may also be used to monitor our recruitment initiatives and equal opportunities policies. Your details may be disclosed to third parties to verify or obtain additional information including educational institutions and current/previous employers. Unsuccessful applications may be retained to match your skills to future job opportunities. These are usually retained for up for 12 months but please let us know if you do not wish us to retain Your Information for this purpose.
(d) Electronic Communications
If you contact us via email, we may keep a record of that correspondence.
- How we use Your Information
We will always treat Your Information as confidential. We will use good practices to keep it secure and will otherwise abide by the relevant data protection and privacy laws.
(a) Using your Information – Purposes
If you provide Your Information on the Website in relation to any products and services from GHL, or send us electronic communication, we will use your Information for the purposes (“Purposes”) of providing and operating the product or service you request or responding to your electronic communication and for other related purposes that may include:
- following up on any product or service application which you have shown interest in;
- updating our records about you;
- understanding your financial needs;
- conducting credit checks and assisting other financial institutions to conduct credit checks;
- crime or fraud detection, prevention and prosecution;
- debt collection;
- complying with laws or regulations;
- research and statistical analysis with the aim of improving our products and services;
- handling queries and complaints.
Please ensure you also read the Terms and Conditions applicable to these products and services.
We generally do not use Your Information collected on this Website for marketing purposes but if you apply for products and services on the Website, Your Information may be used to inform you about other related products and services of GHL that may be of interest.
If you do not wish to be contacted in this way please contact us at firstname.lastname@example.org .
(c) Disclosing Your Information
When using Your Information for the some purposes we may need to disclose it to our agents, advisors and third party service providers (“Other Parties”). When this happens we will require the Other Parties to handle Your Information using the same level of care that we apply. We will also require them to only use Your Information according to our instructions and directions.
If the Other Parties are overseas Your Information may be sent to another country including countries with weaker privacy and data protection laws than in your country of residence. We will not otherwise disclose Your Information to third parties unless we have your permission or are under a legal or similar obligation.
This means, by way of example, that Your Information may be disclosed to:
- regulators, supervisors, governments or quasi-governmental authorities in countries where we, our agents, advisors or third party service providers have a presence;
- agents, advisors or third party service providers under a duty of confidentiality to GHL;
- credit reference, debt collection, anti-money laundering and fraud prevention agencies (where necessary for the Purposes).
(d) Retaining Your Information
We will retain Your Information for as long as the Purpose for which we collected it continues. It is then destroyed unless further retention is required to satisfy a legal, regulatory or accounting requirement or to protect our interests.
- Privacy, security and communications using the Internet
(a) The Internet is not a secure form of communication and sending and receiving information over the Internet carries with it risks including the risk of access and interference by unauthorised third parties. It is your responsibility to maintain the secrecy of any user ID and login password you hold.
(b) Information passing over the Internet may be transmitted internationally (even when sender and recipient are located in the same country) via countries with weaker privacy and data protection laws than in your country of residence. As a result, we do not accept responsibility or liability for the confidentiality, security or integrity of Your Information in connection with its transmission over the Internet.
(c) In order to maintain the security of our systems, protect our staff, record transactions, and, in certain circumstances, to prevent and detect crime or unauthorised activities, we reserve the right to monitor all Internet communications including web and email traffic into and out of our domains.
- Accessing and updating Your Information and contacting us
If you have questions about our Website Privacy Statement please write to us at:
Ghana Home Loans Limited
P.O. Box PMB CT 470
- Changes to our Website Privacy Statement
We update our Website Privacy Statement from time to time and ask that you regularly check this Website to make sure you are familiar with the most recent version.
This Website Privacy Statement was last updated on 30 June 2016.
Copyright © Ghana Home Loans 2016. All rights reserved.