Hello Susu Enterprise

Privacy Policy

Terms & Conditions

HELLO SUSU ENTERPRISE

Privacy Policy

Business Name: HELLO SUSU ENTERPRISE

Tagline: Save now, secure tomorrow.

Contact: 0243485887 / 0248705355

Effective Date: [Insert Date]

1. Introduction

This Privacy Policy explains how HELLO SUSU ENTERPRISE ("Hello Susu", "the Company", "we", "us" or "our") collects, uses, stores and protects personal information when you use our savings services, the Hello Susu mobile application, our website, or otherwise deal with us.

By registering with Hello Susu, using the Hello Susu app, visiting our website, or otherwise providing personal information to us, you acknowledge this Privacy Policy.

This Policy should be read together with our Terms & Conditions for Savings Services.

2. Information We Collect

Depending on how you interact with us, we may collect:

2.1 Identity and contact information

  • Full name
  • Phone number
  • Email address (where provided)
  • Residential or business address (where provided)
  • Date of birth or age-related information (where required)
  • Identification documents or details reasonably needed for verification

2.2 KYC and verification information

  • Verification photographs captured for registration
  • National ID images (front and/or back) or other accepted identity documents
  • Any additional information reasonably required to confirm identity

2.3 Account and savings information

  • Customer account identifiers
  • Savings plan details
  • Deposit, withdrawal and collection records
  • Passbook / Susu card references where applicable
  • Transaction references and related ledger entries

2.4 Technical and device information

  • Device type and operating system
  • App version
  • Approximate network or diagnostic information needed to operate and secure the service
  • Authentication session data (for example access or refresh tokens stored securely on your device)

2.5 Support and communication information

  • Messages you send through phone, WhatsApp, email, forms or other channels
  • Complaint or dispute details and supporting documents you provide

2.6 Website information

  • Pages visited and basic usage information if we use analytics tools
  • Information submitted through contact forms

We do not intentionally collect payment card numbers for storage. Mobile money and payment processing is handled through approved payment providers (for example Paystack) according to their terms and privacy practices.

3. How We Use Your Information

We use personal information to:

  • Register and maintain customer accounts
  • Verify identity and reduce fraud
  • Provide savings services and maintain transaction records
  • Process deposits, withdrawals and related requests
  • Communicate about your account, security alerts and service updates
  • Provide customer support and resolve disputes
  • Improve the reliability and security of our systems
  • Comply with applicable laws and regulatory requirements
  • Protect the Company, customers and the public against unlawful activity

4. Legal Bases and Necessity

We process personal information where it is necessary to:

  • Provide the savings service you requested
  • Meet our contractual and operational obligations
  • Comply with legal requirements
  • Pursue legitimate interests such as security, fraud prevention and service improvement, in a manner that respects your rights

5. Sharing of Information

We may share information with:

  • Authorized collectors/agents acting for Hello Susu Enterprise
  • Payment providers and infrastructure partners needed to move funds
  • Cloud hosting, SMS, storage or support vendors who process data on our instructions
  • Professional advisers (for example auditors or lawyers) under confidentiality
  • Law enforcement, regulators or courts where required by law
  • A successor entity if our business is reorganized or transferred, subject to appropriate safeguards

We do not sell your personal information.

6. International Processing

Some service providers may process or store data outside Ghana. Where that happens, we take reasonable steps to ensure appropriate safeguards consistent with applicable requirements.

7. Data Security

We take reasonable technical and organizational measures to protect personal information, which may include:

  • Secure authentication (including OTP-based sign-in where enabled)
  • Encrypted transport (HTTPS/TLS) for online services
  • Access controls for staff and systems
  • Secure handling of KYC images and account records

No method of transmission or storage is completely secure. Customers must also protect their devices, passbooks, Susu cards, PINs, passwords and verification codes.

8. Retention

We retain personal information for as long as needed to:

  • Provide the savings service
  • Meet legal, accounting and dispute-resolution requirements
  • Maintain records for fraud prevention and audit purposes

When information is no longer required, we will delete or anonymize it where reasonably practicable, subject to legal retention duties.

9. Your Choices and Rights

Subject to applicable law, you may request to:

  • Access personal information we hold about you
  • Correct inaccurate information
  • Ask questions about how your information is used
  • Withdraw consent where processing is based on consent (this may affect our ability to provide certain services)

To make a request, contact us using the numbers below. We may need to verify your identity before responding.

10. Children

Our savings services are intended for persons who can lawfully enter into the relevant customer arrangement. If you believe we have collected information about a child inappropriately, contact us so we can review and address the matter.

11. Cookies and Similar Technologies

Our website may use cookies or similar technologies that are necessary for the site to function. If we use non-essential analytics cookies, we will provide additional notice and choices where required. See any Cookie Policy we publish for more detail.

12. Third-Party Links and Stores

Our website or app may link to app stores, payment providers or other third-party services. Those services have their own privacy practices, which we do not control.

13. Updates to This Policy

We may update this Privacy Policy from time to time. The latest version may be published on our website or communicated through other appropriate channels. The Effective Date at the top will be updated when material changes are made.

14. Contact

For privacy questions or requests, contact HELLO SUSU ENTERPRISE:

  • Phone: 0243485887
  • Phone: 0248705355

HELLO SUSU ENTERPRISE

Save now, secure tomorrow.

Questions? Call 0243485887 or 0248705355.