Privacy notice

Eniclic Recover Ghana provides receivables management and debt recovery services. Where we act on instruction from a creditor, that creditor determines the purpose of processing and we process personal data on their behalf under contract. Where we operate our own platform accounts and analytics, we act in our own right.

Identity and contact details; account and balance information; payment records; correspondence and call notes; dispute and complaint records; device and log data from use of the platform; and, where you tell us, information about your financial circumstances or vulnerability.

To locate and contact customers about outstanding balances, to verify identity, to take and reconcile payments, to administer arrangements, to investigate disputes, to comply with legal obligations, and to improve service quality. We rely on performance of a contract, compliance with legal obligations, legitimate interests in recovering lawfully owed sums, and consent where required — for example for certain marketing.

The original creditor; payment providers; trace, communications and technology suppliers acting under contract; professional advisers and instructed legal partners; and regulators or courts where required by law. We do not sell personal data.

Some suppliers process data outside Ghana. Where that happens we require appropriate contractual safeguards and confirm that the arrangement meets applicable legal requirements.

We keep account records for as long as needed to resolve the account and afterwards for the period required by law, regulatory expectation and the defence of legal claims. Records are then deleted or anonymised.

You may ask for access to your personal data, correction of inaccurate data, deletion where the law allows, restriction of processing, and objection to processing based on legitimate interests. You may also complain to the Data Protection Commission.

Access to account data is role-based and logged. Platform data is encrypted in transit, and administrative access is restricted to staff who need it for their duties.

Data protection enquiries: privacy@eniclicrecover.com. We will acknowledge your request and respond within the statutory period.