Effective Date: January 1, 2026 | Last Updated: January 1, 2026
At Rapidlink Microfinance Limited ("Rapidlink," "we," "us," or "our"), we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, store, share, and protect your data when you use our nano loans platform and services.
Important Notice
By using our services, you consent to the collection and use of your information as described in this Privacy Policy. Please read this document carefully.
1. Information We Collect
We collect various types of information to provide, maintain, and improve our services:
1.1 Personal Information You Provide
| Category |
Information Collected |
| Identity Information |
Full name, date of birth, gender, national ID number, passport number, Ghana Card details, photograph |
| Contact Information |
Email address, phone number, physical address, residential address, employer address |
| Financial Information |
Bank account details, mobile money account numbers, credit/debit card information, income details, employment information, financial statements |
| Loan Information |
Loan application details, credit history, repayment records, transaction history, loan purpose |
| Verification Documents |
Government-issued IDs, proof of address, employment verification, salary slips, bank statements |
| Emergency Contacts |
Names, phone numbers, and relationships of emergency contacts and references |
1.2 Information We Collect Automatically
- Device Information: IP address, device type, operating system, browser type, mobile device identifiers, hardware model
- Usage Information: Pages visited, time spent on platform, click patterns, navigation paths, feature usage
- Location Data: GPS coordinates, location data from your mobile device (with your permission)
- Cookies and Tracking: Session cookies, persistent cookies, web beacons, analytics data
2. How We Use Your Information
2.1 Service Delivery
- Process and evaluate loan applications
- Conduct credit assessments and risk analysis
- Verify your identity and prevent fraud
- Execute direct debit transactions on your payment methods
2.2 Communication
- Send loan status updates and notifications
- Provide customer support and respond to inquiries
- Send payment reminders and overdue notices
3. How We Share Your Information
3.1 Credit Reference Bureaus
We report your loan history to licensed credit bureaus in Ghana.
This information is used to build your credit profile and may affect your ability to obtain credit from other lenders.
4. Data Security
Security Notice
While we implement industry-standard encryption and security measures, no method of transmission over the internet is 100% secure. We are committed to protecting your data to the best of our ability.
5. Your Privacy Rights
Right to Access
Request copies of your personal information we hold about you.
Right to Rectification
Request correction of inaccurate or incomplete personal data.
Right to Erasure
Request deletion of your data (subject to legal retention requirements).
Right to Object
Object to processing of your data for marketing or other purposes.
6. Contact Us
Data Protection Officer
Rapidlink Microfinance Limited
Email: privacy@rapidlinkmicrofinance.com
Address: [Your Physical Address], Accra, Ghana
Consent Acknowledgment: By using Rapidlink Microfinance services, you acknowledge that you have read and understood this Privacy Policy.