Privacy Policy

This Privacy Policy outlines how we handle personal information collected when you:

Access or use our website;
Communicate with us via email or other electronic means;
Interact with our advertisements or other online materials related to Dalex Finance and Leasing Company;
Engage with us through our website or social media channels; or
Use our applications on desktop or mobile devices.

This Privacy Policy must be interpreted in line with the Data Protection Act, 2012 (Act 843). Where any inconsistency arises, the provisions of the Data Protection Act, 2012 (Act 843) shall override this, Policy.

This Privacy Policy applies to all personal data processed by Dalex Finance and Leasing Company Limited through its websites, digital platforms, financial products, customer engagement channels, and business operations. It covers personal data collected online and offline, whether stored electronically or in physical form.

Interpretation and Definitions

Interpretation

The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.

Definitions

For the purposes of this Privacy Policy:

Account means a unique account created for you to access our Service or parts of our Service.

Processing means any operation performed on personal data, including collection, storage, use, disclosure, or deletion.

Company (referred to as either “the Company”, “We”, “Us” or “Our” in this Agreement) refers to Dalex Finance and Leasing Company Limited, Hse No 40 Farrar Avenue, North Adabraka.

Cookies are small files that are placed on your computer, mobile device or any other device by a website, containing the details of your browsing history on that website among its many uses.

Device means any device that can access the Service such as a computer, a cellphone, or a digital tablet.

Personal Data is any information that relates to an identified or identifiable individual.

Service refers to the products, features, and resources offered through Dalex Finance and Leasing Company Limited’s websites, digital platforms, customer engagement channels, and business operations, which enable users to interact with the company.

Service Provider means any natural or legal person who processes the data on behalf of the Company. It refers to third-party companies or individuals employed by the Company to facilitate the Service, to provide the Service on behalf of the Company, to perform services related to the Service, or to assist the Company in analyzing how the Service is used.

Usage Data refers to data collected automatically, either generated using the Service or from the Service infrastructure itself (for example, the duration of a page visit).

Website refers to Dalex Finance and Leasing Company Limited, accessible from https://app.dalexswift.com/ , https://dalexfinance.com/, https://swiftvalentine.com and https://dalexswift.com/

You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

Collecting and Using Your Personal Data

Types of Data Collected

Personal Data

While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify You. Personally identifiable information may include, but is not limited to:

Identity data (names, date of birth, identification details)

Contact data (telephone number, email address, residential address)

Financial data (loan information, investment details, transaction history

Technical and usage data (IP address, browser type, device identifiers)

Communication data (records of correspondence and customer interactions)

Usage Data

Usage Data is collected automatically when using the Service.

Usage Data may include information such as your Device’s Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

When you access the Service by or through a mobile device, we may collect certain information automatically, including, but not limited to, the type of mobile device you use, your mobile device unique ID, the IP address of your mobile device, your mobile operating system, the type of mobile Internet browser you use, unique device identifiers and other diagnostic data.

We may also collect information that your browser sends whenever you visit our Service or when you access the Service by or through a mobile device.

Use of Your Personal Data

The Company may use Personal Data for the following purposes:

To Provide And Maintain Our Service: this includes monitoring the usage of our Service.

Customer Onboarding And Account Administration: to manage your registration as a user of the Service. The Personal Data you provide can give you access to different functionalities of the Service that are available to you as a registered user.

For The Performance Of A Contract: the development, compliance and undertaking of the purchase contract for the products, items or services you have purchased or of any other contract with us through the Service.

To Contact You: To contact you by email, telephone calls, SMS, or other equivalent forms of electronic communication, such as a mobile application’s push notifications regarding updates or informative communications related to the functionalities, products or contracted services, including the security updates, when necessary or reasonable for their implementation.

To Provide You With News, Special Offers And General Information: This includes information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless you have opted not to receive such information.

To Manage Your Requests: To attend and manage your requests to Us. Personal data is processed strictly for legitimate business purposes, including but not limited to: • Provision and management of financial services • • Regulatory compliance and risk management • Communication, customer support, and service improvement • Marketing and promotional activities subject to consent

For Other Purposes: We may use your information for other purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns and to evaluate and improve our Service, products, services, marketing and your experience with your consent.

We may share your personal information in the following situations:

For Business Transfers: We may share or transfer your personal information in connection with, or during negotiations of, any merger, sale of Company assets, financing, or acquisition of all or a portion of our business to another company.
With Affiliates: We may share your information with our affiliates, in which case we will require those affiliates to honor this Privacy Policy. Affiliates include Our parent company and any other subsidiaries, joint venture partners or other companies that we control or that are under common control with Us.
With Business Partners: We may share your information with our business partners to offer you certain products, services or promotions.

With Other Users: when you share personal information or otherwise interact in the public areas with other users, such information may be viewed by all users and may be publicly distributed outside.
With Your Consent: We may disclose your Personal Information for any other purpose with your Consent.

Retention of Your Personal Data

The Company will retain your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your Personal Data to the extent necessary to comply with our legal obligations, resolve disputes, and enforce our legal agreements and policies.

The Company will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period, except when this data is used to strengthen the security or to improve the functionality of our Service, or we are legally obligated to retain this data for longer periods.

Transfer of Your Personal Data

Your information, including Personal Data, is processed at the Company’s operating offices and in any other places where the parties involved in the processing are located.

The Company will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.

Disclosure of Your Personal Data

The Company may disclose your Personal Data in the good faith belief that such action is necessary to:

Comply with a legal obligation
Protect and defend the rights or property of the Company
Prevent or investigate possible wrongdoing in connection with the Service
Protect the personal safety of Users of the Service or the public
Protect against legal liability

We will limit sharing of your information where appropriate and where legally required.

Security of Your Personal Data

We have put appropriate security measures in place to prevent your information from being accidentally lost, used or accessed in an unauthorized way, altered or disclosed. In addition,

we limit access to your information to those employees who have a business need-to-know. They will only process your information on our instructions, and they are subject to a duty of confidentiality.

We have put in place procedures to deal with any suspected data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.

Age of Consent

The Site is intended for individuals aged 18 and above. We do not knowingly provide services to or collect personal information from anyone under 18. Where a user is under 18, access to the Site is permitted only with the consent of a parent or legal guardian who agrees to this Privacy Policy on the user’s behalf.

If we become aware that personal information has been collected from a person under 18 without verified parental consent, such information will be deleted. If you believe we may hold personal information relating to a minor, please contact us via email at contact@dalexfinance.com or via phone on +233 242 435 650.or +233 242 439 584.

Pseudonymized Data

We may process your personal data to create pseudonymized data. This involves removing or masking information that could be used to identify you as an individual. Pseudonymized data does not reveal your identity. We use this data for internal operational purposes and may share it on a limited basis where, permitted by law.

Your Privacy Rights

If you wish to get a copy of the personal information we hold about you, or if you wish to change or correct your information, or lodge a complaint, please contact our team as follows:

Phone: +233 242 435 650, 233 242 439 584,

Email: contact@dalexfinance.com

If you believe your personal data has been handled in breach of applicable data protection laws, you may submit a complaint to the Data Protection Commission at https://www.dataprotection.org.gh.

You may revoke your consent to our processing of your personal data at any time. Upon withdrawal, we will cease processing your data for the affected purposes. Please note that where such data is required to meet our contractual obligations, withdrawing consent may limit or prevent our ability to continue providing services to you.

What are my rights?

The following are how you can exercise your rights, if the company is processing your Personal Data: Page 6 of 6

Access: You have the right to access your personal data held by Dalex Finance and Leasing Company Limited. To make a request, contact our Customer Services team for guidance.
Right to Correction of Personal Data: You have the right to request correction of any personal data we hold that is inaccurate, incomplete, or outdated. To make a correction, you can contact our Customer Services team, who will guide you through the process and ensure your data is updated in accordance with applicable data protection laws.
Object to Processing: You may object to the processing of your personal data in certain circumstances, including direct marketing or where processing is based on legitimate or public interest. You can also object if you believe there is no lawful basis for processing. However, we may continue processing your data if we have another lawful basis to do so. To exercise this right, please reach out to our Customer Services team.
Withdraw Consent: You may withdraw your consent at any time. We will stop processing your personal data unless we have another lawful basis to continue, in which case we will inform you.
Erasure: You may request that your personal data be deleted if it is no longer needed or if we have no legal basis to process it. However, we may retain or continue processing your data where other lawful grounds apply.

Changes to this Privacy Policy

Dalex reserves the right to amend this Privacy Policy at any time. Updates will be published on the Company’s website and will take effect from the date of publication.

Contact Us

If you have any questions about this Privacy Policy, you can contact us:

By email: contact@dalexfinance.com

By phone: 233 242 439 584, 233 242 435 650