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This draft explains how website, contact and potential loan-inquiry information may be handled.
Designed with Ghana’s Data Protection Act, 2012 (Act 843) in view.
F.O.D Money Lending Services Limited ("F.O.D.", "we", "us" or "our") respects the privacy of people who visit this website, contact us, or make a loan inquiry. This draft policy explains the information we may collect, why we use it, and the choices available to you. For legal approval and publication details, for more information, call or whatsapp +233 20 876 20039, or email ezu@fodmicrocredit.com.
We may collect information you provide directly, such as your name, telephone number, email address, location, preferred contact method and the content of your message.
If a digital loan-inquiry service is introduced, we may also collect identification, employment, income, savings, group-membership, supply-relationship, affordability and requested-facility information. The exact inquiry fields and lawful notices are pending confirmation.
We may use information to respond to messages, assess and route inquiries, provide support, manage complaints, verify eligibility, prevent fraud, meet regulatory obligations, maintain security, improve services and keep appropriate business records.
Submitting an inquiry does not guarantee approval. Information used for a credit decision should be assessed under F.O.D.'s approved credit and compliance procedures.
The website contact form is currently disabled. Please use the published office phone, WhatsApp or email details instead. For more information, call or WhatsApp +233 20 876 20039, or email ezu@fodmicrocredit.com.
Loan-inquiry data may require additional privacy notices, consent language and secure processing controls before collection begins.
Information may be shared with authorised staff, service providers, professional advisers, regulators, financial partners or product partners where necessary and lawful. Access should be limited to the purpose for which it is needed.
The website may use or link to third-party services such as hosting, analytics, form-processing or communications platforms. Those providers may process data under their own terms and privacy policies.
F.O.D. intends to use reasonable administrative, technical and physical safeguards, including appropriate access controls and secure transmission. No internet service can guarantee absolute security.
Personal information should be retained only for as long as required for the relevant purpose, legal obligations, regulatory record-keeping, dispute management and approved retention schedules.
Subject to Ghanaian law, you may be entitled to request access to or correction of your personal information, object to certain processing, ask how your information is used, or raise a privacy complaint.
Identity may need to be verified before a rights request is completed. Applicable legal or regulatory duties may limit some requests.
This website and F.O.D.'s credit products are not directed to children. Do not submit a child's personal information through the website unless an approved legal process specifically permits it.
We may update this policy to reflect service, legal or operational changes. The revised version should show a new effective or last-updated date.
Privacy requests may be sent to ezu@fodmicrocredit.com, made by phone or WhatsApp at +233 20 876 20039, or delivered to Tema Community 5, adjacent to Last Hour Restaurant. For DPO and legal approval details, for more information, call or whatsapp +233 20 876 20039, or email ezu@fodmicrocredit.com.
For more information, call or WhatsApp +233 20 876 20039, or email ezu@fodmicrocredit.com.