Privacy Policy

1. Introduction

This Privacy Policy explains how Verge Financial Technologies Ltd (Ghana) and Verge Financial Technologies, Inc. (USA) ("Verge", "we", "us") collect, use, store, and disclose your personal information through buildwithverge.com and related services.

2. Data Protection Laws

We comply with:

• The Data Protection Act, 2012 (Act 843) of Ghana; and
• Applicable U.S. privacy and financial data protection laws (e.g. GLBA, state privacy laws).

3. Information We Collect

• Personal Data: name, contact details, national ID, address, and financial account information.
• Usage Data: IP address, device information, browser type, cookies, analytics.
• Transactional Data: payments, linked accounts, transfers.
• Third-Party Data: information from KYC/AML providers, regulators, and credit bureaus.

4. Purpose of Processing

We process data to:

• Provide and improve our services
• Verify identities (KYC/AML compliance)
• Process transactions securely
• Communicate updates and support
• Detect and prevent fraud
• Comply with regulatory obligations
• Send marketing communications (with consent)

5. Lawful Basis

We process your data under legal bases such as consent, contract performance, legitimate interest, and legal compliance.

6. Data Retention

We retain data only as long as necessary to fulfill the purposes above and comply with legal retention obligations.

7. Data Sharing

We may share your data with:

• Financial institutions and service providers
• Regulators or law enforcement (when required)
• Affiliates and contractors under strict confidentiality
• Third parties in connection with mergers or acquisitions

8. International Data Transfers

We may transfer your data between Ghana, the U.S., and other countries where Verge operates. We ensure protection through adequate safeguards (e.g., standard contractual clauses).

9. Security

We use encryption, secure servers, access controls, and periodic audits to protect your data from loss or unauthorized access.

10. Your Rights

Depending on your jurisdiction, you may:

• Access, correct, or delete your data
• Withdraw consent
• Object to processing
• Request data portability

Contact us to exercise these rights.

11. Children

Our services are not intended for individuals under 18. We do not knowingly collect data from minors.

12. Cookies

We use cookies to enhance your experience and analyze usage. You can manage cookie settings in your browser.

13. Changes

We may update this Policy periodically. The updated version will be posted on our website with a new effective date.

14. Contact Us