Privacy Policy – PoPoCedi
PoPoCedi ("App", "we", "our", or "us") is a digital lending application operated by PoPoCedi Finance Company, a company duly registered under the laws of the Republic of Ghana.
We respect your privacy and are committed to handling your personal data in a lawful, transparent, and secure manner. This Privacy Policy explains how PoPoCedi collects, uses, stores, shares, and protects your information when you access or use our mobile application and related lending services.
By downloading, registering, or using PoPoCedi, you acknowledge that you have read and agreed to this Privacy Policy.
1. Information We Collect
1.1 Information You Provide Directly
When you create an account or apply for a loan, we may collect the following information:
- Full name, gender, and date of birth
- Government-issued identification details and images
- Mobile phone number, email address, and residential address
- Employment, occupation, and income information
- Bank account or mobile money account details
- Emergency contact information (name, phone number, relationship)
- Selfie photos used for identity verification
This information is collected for the purposes of:
- Identity verification and KYC compliance
- Credit assessment and loan eligibility evaluation
- Fraud prevention and risk management
- Customer support and complaint handling
- Compliance with applicable laws and regulatory requirements
2. Device and Technical Information
With your consent, PoPoCedi may collect limited technical and device-related information, including:
- Device model, operating system version, and system language
- Screen resolution, available storage, and memory information
- Network connection details such as IP address and network type
- System-generated identifiers (e.g., SSAID or similar)
This information is used strictly to maintain platform security, detect abnormal activity, and prevent fraud.
3. SMS Permission (Additional Permission)
3.1 Scope of SMS Access
With your explicit consent, PoPoCedi may request access to SMS information on your device. This permission is used only when necessary for service-related verification, internal compliance checks, or risk management purposes.
PoPoCedi does not continuously monitor your messages, and SMS access is not active when the App is not in use.
3.2 Purpose of SMS Usage
SMS access may be used to:
- Support fraud prevention and identity verification
- Assist internal risk assessment and compliance reviews
- Improve the accuracy and reliability of lending-related decisions
SMS information is not used for advertising, marketing, or personal profiling.
4. Camera Permission
PoPoCedi requests camera access solely for identity verification purposes, such as capturing identification documents and live selfies. We do not access your photo gallery without your action or consent.
5. Contacts (Emergency Contacts Only)
PoPoCedi collects only the contact information you actively select as emergency contacts during your loan application. We do not access or store your full address book.
6. Location Information
We may collect limited location-related information (such as network-based location data) to detect abnormal access and enhance account security. PoPoCedi does not perform continuous or real-time location tracking.
7. Notifications
With your permission, PoPoCedi may send push notifications related to loan status updates, repayment reminders, or important service announcements. You may manage or disable notifications at any time through your device settings.
8. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Material changes will be communicated through the App or other appropriate channels. Continued use of PoPoCedi indicates acceptance of the updated Privacy Policy.
9. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or your personal data, please contact us:
Email: tech@progresdistribution.com
8. Data Retention and Security
We implement industry-standard security measures to protect your personal data, including encrypted transmission, access control, and regular security assessments. Data is stored on secure servers located at https://api.popocedi.com.
9. Data Sharing and Disclosure
We do not sell or rent your personal information.
Your information may be shared only in the following circumstances:
- With licensed third-party service providers engaged for KYC, payment processing, or credit assessment, strictly for service delivery purposes
- When required by applicable laws, regulations, or lawful government requests
- In connection with corporate restructuring, mergers, or asset transfers, subject to appropriate data protection safeguards
All third parties are contractually obligated to protect your data in accordance with applicable laws.
10. Data Retention and Deletion
We retain personal data only for as long as necessary to fulfill the purposes described in this Privacy Policy or as required by law.
You may request account deletion by contacting us. Upon deletion:
- Your account will be permanently removed and cannot be restored
- Certain data may be retained where required for legal or regulatory compliance
11. Your Rights
Subject to applicable data protection laws in Ghana, you have the right to:
- Access your personal information
- Request correction or updates
- Withdraw consent for specific permissions
- Request deletion of your personal data
- Object to certain processing activities
12. Children's Privacy
PoPoCedi does not knowingly collect or process personal information from individuals under the age of 18. If such information is identified, it will be promptly deleted.
13. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Material changes will be communicated through the App or other appropriate channels. Continued use of PoPoCedi indicates acceptance of the updated Privacy Policy.
14. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or your personal data, please contact us:
Email: tech@progresdistribution.com