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Privacy Policy

Your guide to using LIQUID.

Privacy Policy effective date: May 1, 2018

Your privacy is important to us so we have created this Privacy Policy (the “Policy”) to explain how we collect, use, disclose and protect your personal information. This Policy applies to information we collect when you use our website and mobile application (collectively, “Services”) or otherwise interact with us

This Policy applies to the Services provided by LIQUID Financial Services. (“LIQUID,” “we” or “us”)

Collection and Control of Personal Information

By using LIQUID Services and associated microsites, you agree to the processing of your personal information including your non-public personal information (collectively referred to as “Personal Information”), including the placement of cookies on your device.

As part of our operations, we collect offline or online data that makes a person identifiable such as names, addresses, usernames and passwords, digital fingerprints, photographs, social security numbers, financial data etc.

Personal Information provided by you when we initiate a business relationship should be accurate and relevant to enable us to process your request. By initiating a business relationship with us, you are consenting to our collection, use, storage and disclosure of this information to appropriate third parties for the purposes described in this Policy.

Information You Provide to Us

Customers: We collect Personal Information from our customers when you apply for an account or when you communicate with us about your account. You may edit your account profile information by logging into your account via our Services. If you wish to delete or deactivate your online account, please contact us, but note that we may retain certain information as required by law or for legitimate business purposes. You may opt out of receiving promotional emails and text messages by following the instructions in those messages. Please note that if you opt out, we may still send you transactional or relationship messages, such as those about your account or our ongoing business relations.

Business Partners: We collect and process Personal Information of relevant prospects, customers and partners before we establish, execute or terminate a contract.

Information about Your Transactions with Us

We collect Personal Information in connection with each transaction, including transaction time, amount and merchant or beneficiary details. We may also collect photos, memos or other information that you attach to your transactions.

Information from Other Sources

We may collect Personal Information from nonaffiliated third parties, such as statutory authorities, to verify your identity and for fraud prevention purposes when you create an account. It may include your prior address and names. The information may come from you or our affiliates and third parties. When providing Personal Information about others like employees, dependents, you must obtain their consent prior to your disclosure to us.

We may allow others to provide analytic services on our behalf and to serve advertisements on our behalf across the Internet. These entities may use cookies, web beacons and other technology to collect information. For more information about interest-based ads, or to opt out of having your web browsing information used for behavioral advertising purposes, please visit their websites to view their cookie policies.

Social Sharing Features

You can engage with us through social media websites or features such as plug-ins or applications on our Services that integrate with social media sites. You may also choose to link your LIQUID account to third party social media sites. When you link your account or engage with us on or through third party social media sites, plug-ins, or applications, you may allow us to have ongoing access to certain information from your social media account (e.g., name, e-mail address, photo, gender, birthday, the posts or the ‘likes’ you make).

If you post information when you interact with our websites through social media sites, plug-ins or other applications, depending on your privacy settings, this information may become public on the internet.

Information We Collect Automatically from our Services

When you access or use our Services, we automatically collect information about you as follows:

Log Information: We log information about your use of our Services, including the type of browser you use, access times, pages viewed, your IP address and the page you visited before navigating to our Services.

Device Information: We collect information about the computer or mobile device you use to access our Services, including the hardware model, operating system and version, unique device identifiers and mobile network information

Location Information: We may collect your location information from your mobile device with your prior consent. Also, we have incorporated Google Maps into our Services, and you may consent to the collection of location information by Google Maps in connection with your use of this maps service. Any information collected via your use of Google Maps will be transmitted directly to Google and is not collected by us. Please refer to Google’s privacy policy for details about their collection, use and sharing of this information.

If you initially consent to the collection of location information by LIQUID or Google Maps within our mobile application, you may be able to subsequently stop the collection of information through your device operating system settings or through your online account settings. If either of these optout options are not available to you, you may also disable location information by following the standard uninstall process to remove our mobile application from your device.

Information Collected by Cookies and Other Tracking Technologies: We use various technologies to collect information on our Services and other websites, and this may include sending cookies to your computer or mobile device. Cookies are small data files stored on your hard drive or in device memory that help us to improve our Services and your experience, see which areas and features of our Services are popular and count visits. Most web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove or reject browser cookies. Please note that if you choose to remove or reject cookies, this could affect the availability and functionality of our Services.

We may also collect information using web beacons (also known as “tracking pixels”). Web beacons are electronic images that may be used in our Services or emails and help deliver cookies, count visits, understand usage and campaign effectiveness and determine whether an email has been opened and acted upon.

These cookies and tracking pixels are served from third-party services that may serve their own cookies. The use of such features enables the sharing of information with your friends or the public, depending on the settings you establish with the entity that provides the social sharing feature. For more information about the purpose and scope of data collection and processing in connection with social sharing features, please visit the privacy policies of the entities that provide these features. How We Respond to Do Not Track Signals: We allow Do Not Track browser configurations. We use cookies and other tracking technologies, and Do Not Track status may alter the available services with certain browsers, when these tracking functionalities are used to provide services. We do not alter the information our applications attempt to collect based on your Do Not Track configuration.

Protection of Personal Information

LIQUID collects Personal Information in a transparent way with the cooperation and knowledge of interested parties. Personal Information available to us are protected in the following manner:

Our data is always:

  1. Accurate and kept up-to-date
  2. Collected fairly and for lawful purposes only
  3. Processed by LIQUID within its legal and moral boundaries
  4. Protected against any unauthorized or illegal access by internal or external parties

Our data will not be:

  1. Communicated informally
  2. Stored for more than a specified amount of time
  3. Transferred to organizations, states or countries that do not have adequate data protection policies
  4. Distributed to any party other than the ones agreed upon by the data’s owner (exempting legitimate requests from law enforcement authorities)

LIQUID is the sole owner of the information collected on our Services. LIQUID will not sell or rent this information to anyone. LIQUID is based in Ghana and the information we collect is governed by Ghanaian law. By accessing or using the Services or otherwise providing information to us, you consent to the control and processing of the information by Liquid and its affiliates.

LIQUID takes reasonable measures to help protect all information about you from loss, theft, misuse and unauthorized access, disclosure, alteration and destruction. Additionally, LIQUID implements policies designed to protect the confidentiality and security of your Personal Information.

To protect our customers, only employees, agents and contractors who need your information to service your accounts have access to the information you provide us. We also give you information that can help you keep your Personal Information safe.

Here are some of the ways we protect you:

  • We use anti-virus protection to help us detect and prevent viruses.
  • Our Firewalls help block unauthorized access by individuals or networks
  • We use encryption software to create a secure connection with your browser when you login, or fill out an application, or register in online services
  • We do not and will not share your usernames and passwords with anyone
  • We automatically log you out of your secure session after a period of inactivity to help protect against others seeing or using your online accounts
  • We monitor activities for potential fraud

Disclosure of Personal Information

We may disclose any information we collect as follows:

  1. To financial service providers, including the financial institutions identified in your cardholder bank agreement that provide banking services in connection with your LIQUID account;

  2. To the Bank of Ghana and Financial Intelligence Center reporting requirements and in accordance with relevant national legislation;

  3. To another user, when you sign up for LIQUID’s services via a referral link. The user that referred you may receive information indicating that you have enrolled with LIQUID. You may avoid this sharing by not using a referral link to enroll;

  4. To business partners, affiliated companies and authorized service providers, we disclose Personal Information to as is necessary to provide our products and services. These service providers are contractually restricted from using or disclosing the information except as necessary to perform services on our behalf or to comply with legal requirements. We do not rent, sell or otherwise disclose Personal Information about our online visitors with unaffiliated third parties for their own marketing use.

  5. With a non-affiliated third-party to access and transmit your personal and financial information from a relevant financial institution. You grant the third-party the right, power, and authority to access and transmit this information according to terms of their privacy policy;

  6. With other non-affiliated companies for our everyday business purposes, such as to process transactions, maintain accounts, respond to court orders and legal investigations or report to credit bureaus. For example, in connection with our everyday business purposes, we may share information about you as follows:

    • In response to a request for information, if we are required by, or we believe disclosure is in accordance with, any applicable law, regulation or legal process; With relevant law enforcement officials or other third parties, such as investigators or auditors, if we believe it is appropriate to investigate fraud; If we believe your actions are inconsistent with the spirit or language of our user agreements or policies, or to protect the rights, property and safety of LIQUID or others;
    • In connection with, or during negotiations of, any merger, sale of LIQUID’s assets, financing or acquisition of all or a portion of our business to another company; and with your consent or at your direction, including if we notify you that the information you provide will be shared in a particular manner and you provide such information.
  7. We may also share aggregated or de-identified Information, which cannot reasonably be used to identify you. For example, we may share transaction zip codes and merchant names with third parties to improve our accuracy in geo-locating transactions and to improve the clarity of transaction descriptions.

Updates and Changes to Privacy statement

We may change this Policy from time to time. If we make changes, we will notify you by revising the date at the top of this Policy, and in some cases, we may provide you with additional notice (such as by adding a statement to the homepages of our website or mobile application or by sending you an email notification). We encourage you to review the Policy whenever you interact with us to stay informed about our information practices.

If you feel that we are not abiding by this Policy, you should contact us immediately via email at support@liquid.com.gh or call 030 278 4725 or you may visit us at our office on 1 Kwabena Aniefe Street, Number 1, Dzorwulu, Accra.

Convenient. Simple. Secure.

Your security is important to us. We have invested in world-leading cybersecurity to protect your information. When we accept funds toward your goals, we transfer them directly to accredited asset managers, who work day and night to get you a return.