Last Updated: January 24, 2025

This Privacy Policy describes how AlphaMaga and its affiliates ("we," "us," or "our") collect, store, use, transfer, disclose, and protect your Personal Information in compliance with the Data Protection Act, 2012 of Ghana and other applicable laws.

By downloading the Application, you confirm that you have read, understood, and accepted the terms of this Privacy Policy. You also consent to the collection, use, storage, processing, and disclosure of your Personal Information as described herein. This Privacy Policy, along with our Terms of Services and any additional terms, governs your use of the Platform and Services.

1. Definitions

Unless otherwise defined, capitalized terms used in this Privacy Policy shall have the same meaning as set forth in our Terms of Services.

2. Personal Information We Collect

We collect Personal Information that you provide directly, that is collected automatically, or that we obtain from third parties. The types of Personal Information we collect include but are not limited to:

Information Provided by You:

Account Registration: When you create an account, we collect your name, date of birth, gender, educational background, photo, physical address, email address, occupation, marital status, emergency contact details, phone number, SIM card details, financial information (e.g., Mobile Money Account details, bank account details), and login credentials.

Payment Information: When you make payments through the App, we collect payment-related details, such as payment card or mobile wallet information, issuer name, account holder name, account number, and transaction amount.

Information Collected Under Your Permission:

Technical Data: We collect your IP address, device information (e.g., IMEI number, MAC address, device model, operating system, browser type), and usage data (e.g., pages visited, session duration). With your permission, we may also collect information about your SMS (time stamp, phone number, and SMS content), phone status, calendar, camera, installed app list, advertising ID, and other data. This information may be uploaded to our servers or a service provider's server, or stored locally on your device. You can enable or disable access to this information at any time through your device settings,but this may affect certain functionalities.

Location Data: We collect real-time geographic location data when you use the App. You may disable location tracking, but this may affect certain functionalities.

Cookies and Tracking Technologies: We use cookies and similar technologies to enhance user experience and track activity. You can manage cookie settings through your device or browser, but disabling cookies may impact App functionality.

Information from Third Parties:

We may receive Personal Information from third parties, such as credit reference bureaus, banks, mobile network providers, and service providers, in accordance with applicable laws and with your consent.

Information About Third Parties:

If you provide us with Personal Information about third parties (e.g., emergency contacts), you confirm that you have obtained their consent to share such information.

3. Use of Personal Information

We use your Personal Information for the following purposes:

To register and manage your account.

To provide, improve, and personalize our Services.

To process payments and manage credit terms.

To comply with legal obligations, such as anti-money laundering and "know your customer" requirements.

To communicate with you about updates, promotions, and customer support.

To conduct research, analysis, and product development.

To prevent fraud, unauthorized activities, and security breaches.

4. Sharing of Personal Information

We may share your Personal Information with third parties under the following circumstances:

With Your Consent: We will obtain your consent before sharing your information, except where permitted or required by law.

For Legal Compliance: We may disclose information to comply with legal obligations, regulatory inquiries, or court orders.

With Service Providers: We share information with partners, vendors, and service providers who assist us in delivering the Services.

For Business Transactions: In the event of a merger, acquisition, or asset sale, your information may be transferred to the new entity.

For Aggregated Data: We may share anonymized and aggregated data for research, analysis, or marketing purposes.

5. Data Retention

We retain your Personal Information only for as long as necessary to fulfill the purposes for which it was collected, or as required by applicable laws. Once the retention period ends, we will securely delete or anonymize your data.

6. Your Rights

Under the Data Protection Act, 2012 of Ghana, you have the following rights:

Access: Request a copy of your Personal Information.

Correction: Request correction of inaccurate or incomplete data.

Deletion: Request deletion of your data, subject to legal obligations.

Withdrawal of Consent: Withdraw consent for data processing at any time.

Objection: Object to the processing of your data for specific purposes.

To exercise these rights, please contact us at service@alphamaga.cc.

7. Data Security

We implement technical and organizational measures to protect your Personal Information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the internet is completely secure, and we cannot guarantee absolute security.

8. Where We Store Your Personal Information

Your information, including Personal Data, will be stored and processed in Ghana. Your consent to this Privacy Policy followed by your submission of such information represents your agreement to this storage and processing.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be communicated through the App, Website, or email. Your continued use of the Services after such changes constitutes your acceptance of the updated policy.

10. Contact Us

If you have any questions about this Privacy Policy or wish to exercise your rights, please contact us at:

Email: service@alphamaga.cc

11. Marketing Communications

We may send you promotional materials via email, SMS, or push notifications. You may opt out of receiving such communications at any time by using the "unsubscribe" option in our messages.

12. Limitation of Liability

We are not liable for any indirect, incidental, or consequential damages arising from your use of the App or Services, or from any third-party interactions.

13. Governing Law

This Privacy Policy is governed by the laws of Ghana. Any disputes shall be resolved in accordance with the jurisdiction of Ghanaian courts.

14. Consent

By using the App, you acknowledge that you have read, understood, and agreed to this Privacy Policy. You also consent to the collection, use, and disclosure of your Personal Information as described herein.