Privacy Policy

1. Introduction

CDH Securities ("we", "our", "us") is committed to protecting your personal data and privacy. This Privacy Policy explains how we collect, use, store, and protect your information when you use our platform, website, and services.

We operate in accordance with the Data Protection Act, 2012 (Act 843) of the Republic of Ghana and applicable regulations issued by the Securities and Exchange Commission of Ghana.

2. Information We Collect

We collect the following categories of personal information:

• Identity Data: Full name, date of birth, gender, Ghana Card number, and photographs (Ghana Card images and selfie) for KYC verification.
• Contact Data: Email address, phone number, and residential address.
• Financial Data: Bank account details, transaction history, wallet balances, and investment records.
• Technical Data: IP address, browser type, device information, and usage analytics.
• Biometric Data: Facial recognition data used solely for identity verification during the KYC process.

3. How We Use Your Information

We use your personal data for the following purposes:

• To verify your identity and complete KYC (Know Your Customer) requirements as mandated by SEC Ghana.
• To create and manage your investment account.
• To process transactions, deposits, and withdrawals.
• To calculate and accrue investment returns.
• To communicate with you about your account, products, and services.
• To comply with legal and regulatory obligations.
• To prevent fraud and ensure platform security.

4. Data Storage & Security

Your personal data is stored on secure servers with encryption at rest and in transit. KYC documents are stored in encrypted private storage and are accessible only to authorised personnel. All financial transactions are recorded on an immutable blockchain ledger for transparency and audit purposes.

We implement industry-standard security measures including access controls, audit logging, and regular security assessments to protect your data.

5. Data Sharing

We do not sell your personal data. We may share information with:

• Regulatory authorities: The SEC Ghana, Bank of Ghana, or other regulators as required by law.
• Payment processors: To facilitate deposits and withdrawals (e.g., mobile money and bank transfer providers).
• Service providers: Trusted third parties who assist in operating our platform, subject to confidentiality obligations.

6. Your Rights

Under the Data Protection Act, 2012, you have the right to:

• Access your personal data held by us.
• Request correction of inaccurate data.
• Request deletion of your data, subject to legal retention requirements.
• Object to processing of your data in certain circumstances.

To exercise these rights, contact us at privacy@cdhsecurities.com.

7. Data Retention

We retain your personal data for as long as your account is active and for the period required by applicable regulations. Financial transaction records are retained for a minimum of 10 years in accordance with SEC Ghana requirements.

8. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes via email or a notice on our platform. Continued use of our services after changes constitutes acceptance of the updated policy.

9. Contact

If you have questions about this Privacy Policy or our data practices, please contact:

CDH Securities Data Protection Officer
Email: privacy@cdhsecurities.com
Address: No. 30 Independence Avenue, North Ridge, Accra, Ghana