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 the Verge mobile application (iOS) and buildwithverge.com (collectively, "Services").

2. Data Protection Laws

We comply with:

• The Data Protection Act, 2012 (Act 843) of Ghana; and
• Applicable U.S. state privacy laws.

3. Information We Collect

• Personal Data: name, email address, phone number, and financial account information.
• Usage Data: IP address, device information, browser type, cookies, and analytics.
• Transactional Data: linked account balances and transaction history.

Third-Party Services: We use third-party services that may collect device and usage information, including:

• Shorebird for over-the-air app updates
• Analytics tools to improve app performance and user experience

4. Purpose of Processing

We process data to:

• Provide and improve our services
• Process transactions securely
• Communicate updates and support
• Send push notifications with important account information (with your permission)
• Detect and prevent fraud
• Comply with regulatory obligations

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 necessary to provide our Services
• Regulators or law enforcement (when required by law)
• Affiliates and contractors under strict confidentiality agreements

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

Account Deletion: You can request deletion of your account directly from within the Verge app. Once you initiate deletion, your account and associated data will be deactivated but retained for approximately 30 days, during which you may log back in to reactivate your account and restore access to your data. After this 30-day period, your account and associated data will be permanently deleted, subject to any data we must retain under applicable law.

Push Notifications: You can manage push notification preferences at any time through your device settings or within the Verge app.

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