Privacy Policy

1. Information we collect

We collect personal information that you provide voluntarily or that arises from your engagement with our services. This may include:

• Identification details such as name, contact information, and organisation affiliation;
• Financial context, including income ranges, spending notes, savings goals, and debt records provided for advisory purposes;
• Communication records such as emails, call notes, and feedback forms;
• Technical data gathered through essential and preference cookies, including device type and browsing preferences.

We do not request or store biometric data, national identification numbers, or payment card information.

2. How we use personal data

We use personal data strictly for the purposes below:

• Delivering budgeting diagnostics, savings tools, and advisory conversations tailored to your needs;
• Providing follow-up support, progress monitoring, and accountability prompts as agreed;
• Maintaining internal records for service delivery quality and compliance with Ghanaian regulations;
• Sending administrative communications regarding sessions, resource updates, or policy notices;
• Improving our worksheets, guides, and digital experience through aggregated trend analysis.

3. Legal basis for processing

We process personal data on the following legal bases:

• Consent: When you voluntarily share information or agree to receive follow-up prompts;
• Contractual necessity: Where processing is required to deliver requested services;
• Legitimate interest: To maintain service quality, secure our systems, and understand usage trends;
• Legal obligation: To comply with regulatory requirements or respond to lawful requests by Ghanaian authorities.

4. Data retention

We retain personal data for as long as necessary to fulfil the purposes outlined above. Typically, service records are stored for up to five years after an engagement concludes, unless longer retention is required for legal compliance or dispute resolution. Anonymised data used for research or reporting may be retained indefinitely.

5. Data sharing and disclosure

We do not sell personal data. We may share information with:

• Service providers supporting our digital infrastructure, bound by confidentiality agreements;
• Regulatory bodies or law enforcement when required under Ghanaian law;
• Professional advisors where necessary to obtain legal or compliance guidance.

When collaborating with community partners, we anonymise or aggregate data to protect individual identity unless explicit consent is obtained.

6. International data transfers

Our core systems are hosted within reputable data centres that may be located outside Ghana. We ensure such transfers include appropriate safeguards, such as standard contractual clauses, to maintain privacy protection aligned with Act 843.

7. Your rights

Under Ghana’s Data Protection Act, you have the right to:

• Request access to the personal data we hold about you;
• Request correction of inaccurate or incomplete data;
• Request deletion of data, subject to legal or contractual obligations;
• Object to processing in certain circumstances, including direct marketing;
• Withdraw consent at any time without affecting prior lawful processing.

To exercise any rights, contact us at [email protected]. We will respond within 30 days.

8. Data security

We implement administrative, technical, and physical safeguards to protect personal data. Measures include secure storage, restricted access, encryption of digital records, and regular staff training on confidentiality obligations.

9. Children’s information

Our services primarily address adults and older adolescents who are responsible for household finances. When working with minors, we seek consent from a parent or legal guardian and limit data collection to what is necessary for educational support.

10. Updates to this policy

We may update this privacy policy to reflect changes in law or our services. Updated versions will be posted on junctionimpulse.com with revised effective dates. Significant changes will be communicated via email when possible.

11. Contact

Questions or concerns about this policy can be sent to:

Junctionimpulse
22 Asafo Road, Kumasi, Ghana
Phone: +233 55 801 4419
Email: [email protected]