Privacy Policy
Last updated: November 7, 2025
Welcome to K-Pentag Digital's Privacy Policy
At K-Pentag Digital ("we", "us", "our"), we are committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our financial technology services available at https://kpentagdigital.com/.
Important Notice
By using our services, you consent to the data practices described in this policy. This policy complies with Ghana's Data Protection Act, 2012 (Act 843) and other applicable data protection regulations.
1. Information We Collect
1.1 Personal Identification Information:
- Full name, date of birth, and government-issued identification numbers
- Contact information (email, phone number, physical address)
- Photographs for identity verification purposes
- Nationality and place of birth
1.2 Financial Information:
- Bank account details and transaction history
- Payment card information (securely processed through PCI-compliant systems)
- Credit history and financial standing
- Tax identification numbers
- Source of funds and wealth information
1.3 Technical and Usage Information:
- IP address, browser type, and device information
- Cookies and tracking technologies data
- Service usage patterns and preferences
- Location data for security and regulatory compliance
2. How We Use Your Information
Service Provision
To create and manage your account, process transactions, and provide customer support
Security & Compliance
To verify identity, prevent fraud, and comply with anti-money laundering regulations
Service Improvement
To analyze usage patterns and enhance our platform's functionality and security
Legal Obligations
To meet regulatory requirements and respond to legal requests from authorities
2.1 Legal Basis for Processing:
- Performance of contract with you
- Compliance with legal obligations under Ghanaian law
- Legitimate business interests
- Your explicit consent where required
3. Data Sharing and Disclosure
3.1 We may share your information with:
- Financial institutions and payment processors to complete transactions
- Regulatory authorities and law enforcement as required by Ghanaian law
- Credit reference and fraud prevention agencies
- Service providers who assist in our operations (under strict confidentiality agreements)
- Professional advisors (lawyers, auditors, consultants)
Data Protection Commitment
We never sell your personal data to third parties. All data sharing is conducted in compliance with data protection laws and with appropriate safeguards in place.
4. Data Security Measures
We implement robust security measures to protect your information:
- 256-bit SSL encryption for all data transmissions
- Multi-factor authentication for account access
- Regular security audits and penetration testing
- Secure data centers with physical access controls
- Employee training on data protection and confidentiality
- PCI-DSS compliance for payment card information
Security Responsibility
While we implement industry-standard security measures, no electronic transmission or storage method is 100% secure. We encourage you to use strong passwords and enable all available security features.
5. Data Retention
We retain your personal data only for as long as necessary:
- Account information: 7 years after account closure for regulatory purposes
- Transaction records: 7 years as required by financial regulations
- Marketing data: Until you opt-out or for 3 years after last interaction
- Identity verification: As long as required by anti-money laundering laws
Data is securely deleted or anonymized after retention periods expire.
6. Your Data Protection Rights
Under Ghana's Data Protection Act, you have the following rights:
Right to Access
Request copies of your personal information we hold
Right to Rectification
Correct inaccurate or incomplete personal data
Right to Erasure
Request deletion of your personal data under certain conditions
Right to Restrict Processing
Limit how we use your personal data
Right to Data Portability
Receive your data in a structured, machine-readable format
Right to Object
Object to processing of your personal data
To exercise these rights, please contact us at support@kpentag.com. We will respond within 30 days as required by law.
7. International Data Transfers
As a global fintech company, we may transfer your data to countries outside Ghana. When we do, we ensure:
- The destination country has adequate data protection laws, or
- We use approved contractual clauses to protect your data, or
- We obtain your explicit consent for the transfer
All international transfers comply with Ghana's Data Protection Act requirements.
8. Cookies and Tracking Technologies
We use cookies and similar technologies to:
- Authenticate users and maintain secure sessions
- Remember your preferences and settings
- Analyze website traffic and usage patterns
- Prevent fraudulent activities
You can control cookies through your browser settings. However, disabling essential cookies may affect your ability to use our services.
9. Children's Privacy
Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware that we have collected personal data from a child without parental consent, we will take steps to delete that information.
10. Changes to This Privacy Policy
We may update this Privacy Policy periodically to reflect:
- Changes in our data practices
- Legal and regulatory requirements
- Improvements in our services
We will notify you of material changes via email or through our platform at least 30 days before changes take effect.
11. Contact Information & Data Protection Officer
For questions, concerns, or to exercise your data protection rights, contact our Data Protection Officer at:
📧 Email: support@kpentag.com
📞 Phone: +1 770 309 7468
📞 Phone: +233 59 811 1416
🌐 Website: https://kpentagdigital.com/
You also have the right to lodge a complaint with the Data Protection Commission of Ghana if you believe your data protection rights have been violated.
Your Privacy Matters
By using K-Pentag Digital's services, you acknowledge that you have read and understood this Privacy Policy and consent to the collection, use, and disclosure of your personal information as described herein.