1. Introduction and Scope
BUSINESS-NEEDS GLOBAL SOLUTIONS LTD ("Business-Needs", "we", "our", or "us"), a company incorporated under the laws of the Republic of Ghana, is committed to safeguarding your personal privacy and maintaining transparency regarding how we collect, store, process, and protect your information.
This Privacy Policy applies to our website (business-needs.biz), digital credit infrastructure, API interfaces, and related customer support communications.
2. Information We Collect
To provide digital financial services, underwriting, and customer support, we may collect the following categories of data:
- Identity Information: Full legal name, date of birth, gender, and Ghana Card (National Identification) number for biometric and identity verification.
- Contact Information: Valid Ghanaian mobile telephone number, email address, and general residential area.
- Financial & Payment Data: Mobile Money wallet numbers (MTN MoMo, Telecel Cash, AT Money) or commercial bank account details strictly for loan disbursement and repayment clearing.
- Technical & Session Data: IP address, device model, operating system version, browser type, and interaction logs with our digital platforms.
3. Purpose and Legal Basis of Processing
Under the Ghana Data Protection Act, 2012 (Act 843), we process your data based on explicit consent, contractual necessity, and legitimate business interests, specifically to:
- Verify your identity and ensure compliance with Know-Your-Customer (KYC) and Anti-Money Laundering (AML) standards.
- Evaluate credit eligibility and determine appropriate credit limits.
- Disburse approved funds to your designated Mobile Money account or bank account.
- Facilitate repayments, send due date notifications, and maintain ledger records.
- Respond to customer service inquiries and resolve technical issues.
4. Data Protection & Security Standards
We implement industry-standard administrative, physical, and technical safeguards. All data in transit is protected using 256-bit TLS encryption. Access to customer data is strictly restricted on a least-privilege basis to authorized personnel. We never sell or rent your personal information to third-party marketing companies.
5. Your Legal Rights
Under Ghanaian law, you possess the right to:
- Request access to the personal data we hold about you.
- Request correction of inaccurate or incomplete personal records.
- Request deletion or restriction of processing of your data, subject to statutory retention obligations for financial audit and compliance.
- Object to or withdraw consent for non-essential processing.
6. Contact Our Data Protection Officer
If you have any questions, complaints, or requests regarding your personal information, please contact us at: