Privacy Policy

1. Introduction

At Score Cash, your privacy matters to us. This document outlines the ways in which we gather, handle, and protect your personal data throughout your interaction with our platform. When you download and use our mobile application, you acknowledge and agree to the data handling practices detailed below.

2. Types of Data We Gather

Our service requires certain information to function effectively and deliver personalized experiences. Below are the categories of data we may access during your use of the Score Cash application:

All data is securely transmitted to our server (https://www.scoreghcash.com). We strictly protect your privacy and do not share your information with third parties without your explicit consent.

2.1 SMS

For credit evaluation purposes, our platform needs permission to read your SMS. This includes details like who sent the message, associated contact information, phone numbers, and any monetary transaction values mentioned. We focus exclusively on messages tied to financial transactions and do not access outgoing messages or personal conversations. All message data undergoes encryption before being transmitted over secure HTTPS connections to our backend systems. This information serves exclusively for detecting fraudulent activity and managing lending risks. We maintain a strict policy of never sharing your data with external parties. Should you want your message history removed from our systems, reach out to our support team, and we'll process your deletion request within seven business days.

2.2 Camera Permissions

The camera feature enables you to capture images of identification documents and selfies, which are then uploaded to complete mandatory identity verification (KYC) procedures required for loan processing. Granting camera access is voluntary; declining this permission will restrict your ability to submit photos and may impact loan application completion. To have your uploaded images removed, get in touch with our customer support; we'll handle the removal within seven days.

2.3 Application List

We examine which applications are installed on your device as part of our risk evaluation framework. The system collects minimal data and sends this information over secure HTTPS protocols. This data contributes to our fraud detection mechanisms and remains confidential. No third parties receive this information. For data removal, contact support services; we'll complete the deletion within one week.

2.4 Device Details

Device information helps us secure your account and identify potential security threats. We access technical specifications including your device's make and model, operating system details, and unique identifiers. Only essential device data is collected and transmitted securely. This information supports our risk management and device verification processes. External sharing is not permitted. To request device data removal, contact customer support; processing takes up to one week.

2.5 Emergency Contact Details

During registration, we ask for three emergency contacts. For each contact, we store their relationship to you, full name, and telephone number. This information helps us confirm borrower identity, evaluate loan eligibility, and strengthen our risk assessment and fraud detection capabilities.

3. Information You Submit

During the registration and application process, you'll be asked to provide various details:

• Personal identification: Your full name, government-issued ID number, and date of birth
• Contact details: Mobile phone number and residential address
• Financial details: Income information and banking account particulars
• Background information: Work history and educational qualifications

This submitted information enables us to:

• Confirm your identity and review loan applications
• Evaluate your credit standing and implement fraud safeguards
• Enhance our platform features and refine risk assessment algorithms
• Send you updates about service changes and important announcements
• Meet regulatory and legal requirements

4. How We Protect Your Data

We employ multiple layers of security to keep your information safe:

• All data transfers are protected with 256-bit SSL encryption technology
• Access is restricted through authorization protocols, and all staff sign confidentiality agreements
• We conduct periodic security reviews and continuous system surveillance
• Your data resides on servers with advanced protection mechanisms

5. How Long We Keep Data & Your Control

We maintain your information for periods required by:

• Ongoing service delivery
• Regulatory and legal mandates
• Resolving potential disputes
• Maintaining fraud prevention systems

As a user, you maintain several rights regarding your personal information:

• View and download copies of your stored data
• Ask us to update or fix incorrect entries
• Request account deletion
• Revoke your authorization for specific data processing activities

Important: Accounts that have outstanding loans or unresolved payment obligations cannot be deleted until all financial commitments are settled.

To initiate a data deletion request, you can submit a request online or email us at service@scoreghcash.com. We'll process your request and complete the deletion within seven days.

6. Third-Party Sharing

We do not engage in selling your personal information. However, we may disclose data when legally obligated:

• Legal obligations: When required by valid court orders, law enforcement requests, or regulatory mandates from Ghanaian authorities

7. Age Restrictions

Score Cash is designed for users who are 18 years of age or older.

8. Changes to This Policy

We reserve the right to modify this Privacy Policy periodically. When updates occur, the revised document will be published here with a new revision date clearly marked.

9. Get in Touch

If you have questions or concerns about privacy matters: