Privacy Policy

Last Updated: [12/06/2026]

Introduction

Welcome to Cyrus Finance and Cyrus Asetenapa.

Cyrus Finance ("Company", "we", "our", or "us") operates the Cyrus Finance website and the Cyrus Asetenapa mobile application (collectively, the "Platform"). We are committed to protecting your privacy and handling your personal information in a transparent, secure, and lawful manner.

This Privacy Policy explains how we collect, use, disclose, store, and protect your information when you access or use our website, mobile application, financing services, hire purchase services, payment services, and related products.

By accessing or using our Platform, you agree to the collection and use of information in accordance with this Privacy Policy.

1. Information We Collect

A. Personal Information You Provide

When you register, apply for financing, purchase products, or interact with our services, we may collect:

Identity Information

• Full name
• Date of birth
• Gender
• Nationality
• Ghana Card Number or other government-issued identification
• Passport photograph or profile photograph

Contact Information

• Mobile phone number
• Email address
• Residential address
• Postal address
• Business address (where applicable)

Account Information

• Username
• Password
• Security questions
• Device registration details

Financial Information

• Mobile Money account information
• Bank account information
• Payment transaction history
• Salary information (where applicable)
• Employment details
• Business information
• Credit history and affordability information

Financing and Hire Purchase Information

• Loan applications
• Financing applications
• Product purchase history
• Repayment schedules
• Guarantor information
• References and next-of-kin information
• Credit assessment information
• Risk profiling data

Supporting Documents

We may collect and process:

• Ghana Card
• Passport
• Driver's License
• Utility Bills
• Employment Letters
• Payslips
• Bank Statements
• Business Registration Documents
• Other Know Your Customer (KYC) documents required by law

Customer Service Information

• Support requests
• Complaints
• Feedback
• Call recordings where applicable
• Chat communications

B. Information Collected Automatically

Device Information

We may automatically collect:

• Device type
• Device model
• Operating system
• Mobile network information
• Device identifiers
• Browser type
• IP address
• Mobile application version

Usage Information

We may collect information regarding:

• Login activity
• Session duration
• Pages viewed
• Features used
• Products viewed
• Search activity
• Clickstream data
• Application crashes and diagnostics

Location Information

With your permission, we may collect:

• GPS location
• Approximate location
• Address verification information

This information may be used for:

• Customer verification
• Delivery services
• Fraud prevention
• Service personalization

Cookies and Similar Technologies

The website may use:

• Cookies
• Local storage
• Session storage
• Analytics technologies
• Marketing pixels

These technologies help us improve user experience, security, and service delivery.

2. How We Use Your Information

We use your information to:

• Create and manage customer accounts
• Verify your identity
• Perform Know Your Customer (KYC) checks
• Assess financing eligibility
• Process purchases and payments
• Facilitate hire purchase agreements
• Manage repayment schedules
• Deliver products and services
• Communicate important account information
• Provide customer support
• Send transaction alerts
• Improve our products and services
• Personalize recommendations
• Conduct analytics and reporting
• Detect fraud and financial crimes
• Prevent unauthorized access
• Comply with legal and regulatory obligations
• Enforce our Terms and Conditions

3. Credit Assessment and Risk Management

To provide financing and hire purchase services, we may:

• Assess your creditworthiness
• Verify employment information
• Verify income information
• Analyze transaction history
• Evaluate repayment capacity
• Perform fraud screening
• Conduct risk assessments

These assessments may involve information obtained from:

• Credit reference bureaus
• Financial institutions
• Employers
• Mobile Money providers
• Government agencies
• Identity verification providers

Where required by law, your consent will be obtained before conducting such checks.

4. Sharing of Information

We may share your information with:

Service Providers

Including but not limited to:

• Payment processors
• Mobile Money operators
• Banks
• Cloud hosting providers
• Analytics providers
• Identity verification providers
• Customer communication providers

Logistics and Delivery Partners

To facilitate product delivery and collection.

Credit and Financial Institutions

For credit assessments, financing decisions, fraud prevention, debt recovery, and regulatory compliance.

Professional Advisers

Such as:

• Lawyers
• Auditors
• Compliance consultants

Regulatory Authorities

Where required by law, including:

• Bank of Ghana
• Financial Intelligence Centre
• Ghana Revenue Authority
• Courts and law enforcement agencies

We do not sell your personal information to third parties.

5. Data Security

We implement industry-standard technical and organizational security measures, including:

• Data encryption
• Secure data transmission
• Access controls
• Multi-factor authentication
• Security monitoring
• Vulnerability assessments
• Security audits
• Secure cloud infrastructure
• Role-based access controls

While we strive to protect your information, no system can guarantee absolute security.

6. Data Retention

We retain personal information only for as long as necessary to:

• Provide services
• Maintain business records
• Resolve disputes
• Enforce agreements
• Meet legal and regulatory obligations

Certain records may be retained for periods required under Ghanaian financial services, tax, anti-money laundering, and regulatory requirements.

7. Your Rights

Subject to applicable law, you may have the right to:

Access

Request access to your personal information.

Correction

Request correction of inaccurate or incomplete information.

Deletion

Request deletion of information where legally permissible.

Restriction

Request restriction of processing in certain circumstances.

Objection

Object to specific processing activities.

Data Portability

Request your information in a structured format.

Marketing Preferences

Opt out of marketing communications at any time.

To exercise any of these rights, contact us using the details below.

8. Children's Privacy

Our Platform is intended for individuals aged 18 years and above.

We do not knowingly collect personal information from children under 18 years of age.

If we become aware that information has been collected from a child without appropriate authorization, we will take steps to delete such information.

9. International Data Transfers

Your information may be processed and stored in countries outside Ghana where our service providers maintain facilities.

Where such transfers occur, we take reasonable measures to ensure that your information receives an adequate level of protection and is processed in accordance with applicable data protection laws.

10. Compliance With Applicable Laws

We process personal information in accordance with applicable laws, including:

• Data Protection Act, 2012 (Act 843) of Ghana
• Electronic Transactions Act, 2008 (Act 772)
• Anti-Money Laundering Act, 2020 (Act 1044)
• Applicable financial services regulations
• Consumer protection obligations

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time.

Changes will be posted on the website and mobile application and will become effective immediately upon publication unless otherwise stated.

Continued use of the Platform constitutes acceptance of the revised Privacy Policy.

12. Contact Us

If you have questions regarding this Privacy Policy or our privacy practices, please contact:

Cyrus Finance

Email: support@cyrusfinance.com

Website: https://www.cyrusfinance.com

Mobile Application: Cyrus Asetenapa

Customer Support: support@cyrusfinance.com

By using Cyrus Finance and Cyrus Asetenapa, you acknowledge that you have read, understood, and agreed to this Privacy Policy.