cedisensegh.com Cedisense

Privacy Policy

Introduction

CediSense (“we,” “our,” or “us”) operates the website https://cedisense.com (the “Service”). This Privacy Policy explains how we collect, use, store, and protect your personal information when you visit our website or use our financial tools and educational resources.

We are committed to protecting your privacy. CediSense does not display advertisements, and we do not sell your personal data to third parties under any circumstances.

This Privacy Policy should be read alongside our Terms of Service and Disclaimer.

Legal Framework

We operate in accordance with the Ghana Data Protection Act 2012 (Act 843) as our primary legal framework. Where applicable to users in the European Economic Area, we also observe the requirements of the General Data Protection Regulation (GDPR).

Information We Collect

Information You Provide Directly

  • Contact Information: When you contact us via forms or email, we may collect your name, email address, and message content.
  • Calculator Inputs: When you use our financial tools and calculators, we temporarily process the values you enter to generate your results. This information is not stored permanently unless you explicitly choose to save or share your results.
  • Subscription Data: If you subscribe to our newsletter or email updates, we collect your email address and subscription preferences.

Information Collected Automatically

  • Usage Data: We collect information about how you interact with our website, including pages visited, time spent on pages, click patterns, and referring websites.
  • Device Information: We may collect your IP address, browser type, operating system, and device identifiers.
  • Cookies and Tracking Technologies: We use cookies and similar technologies to improve your experience and understand how our site is used. See the Cookies section below for full details.

Third-Party and Platform Data

If you interact with CediSense content shared on LinkedIn, X (Twitter), or TikTok, those platforms may independently collect data about your interactions in accordance with their own privacy policies. We are not responsible for data collected by third-party social platforms.

We may receive aggregated, anonymised analytics data from social platforms about the performance of our published content. This data does not identify you personally.

How We Use Your Information

We use collected information for the following purposes:

  • Providing access to financial education content, tools, and calculators
  • Responding to your enquiries and providing support
  • Delivering newsletters and updates about Ghana’s financial market
  • Analysing usage patterns to improve our website and user experience
  • Developing new features based on user interests and feedback
  • Complying with legal obligations under Ghanaian and applicable international law
  • Protecting against fraud, spam, and other harmful activities

Legal Basis for Processing

Under the Ghana Data Protection Act 2012 and, where applicable, the GDPR, we process your personal data on the following bases:

  • Consent: Where you have explicitly opted in, such as newsletter subscriptions
  • Legitimate Interests: For analytics and website improvement, where not overridden by your privacy rights
  • Legal Obligation: Where required by Ghanaian law or applicable regulation
  • Contract Performance: Where processing is necessary to fulfil a request you have made

Information Sharing and Disclosure

We do not sell, trade, or transfer your personal information to third parties. We may share information only in the following limited circumstances:

Service Providers

We work with trusted third-party providers who help us operate the website and deliver our services, including:

  • Web hosting and cloud infrastructure providers
  • Analytics services (Google Analytics — see below)
  • Email marketing and newsletter platforms
  • Security and fraud prevention services
  • Cloud storage providers (e.g. Cloudinary)

All service providers are contractually required to handle your data securely and only for the purposes we specify.

Legal Requirements

We may disclose your information when required by Ghanaian law, regulation, or governmental request, or when necessary to protect the rights, property, or safety of CediSense, our users, or the public.

Business Transfers

In the unlikely event of a merger, acquisition, or sale of CediSense assets, your information may be transferred as part of that transaction. We will notify you via email or a prominent notice on our website before any such transfer takes place, and you will retain the right to request deletion of your data.

Google Analytics

We use Google Analytics to understand how visitors interact with our website. This service collects anonymised data such as pages visited, time on site, device and browser type, geographic location at country/city level, and traffic sources.

Google Analytics data is used solely to improve our content and user experience. We do not use it for advertising purposes.

You can opt out of Google Analytics tracking at any time using the Google Analytics Opt-out Browser Add-on.

Google’s data practices are governed by the Google Privacy Policy.

Cookies and Tracking Technologies

We use the following types of cookies:

  • Essential Cookies: Required for the website to function properly, including security and accessibility features. These cannot be disabled.
  • Analytics Cookies: Used by Google Analytics to help us understand how visitors use the site. These are only set with your consent.
  • Functional Cookies: Enable personalisation features such as remembering your preferences.

We do not use advertising or marketing cookies. CediSense does not serve ads.

Cookie Consent: On your first visit, you will be asked to consent to non-essential cookies. You can withdraw consent or manage your cookie preferences at any time via the cookie settings link in our website footer. You may also control cookies through your browser settings, though disabling essential cookies may affect site functionality.

Data Security

We implement appropriate technical and organisational measures to protect your personal information, including:

  • Encryption of data in transit and at rest
  • Regular security assessments
  • Access controls and authentication procedures
  • Secure hosting and backup systems

No method of transmission over the internet is 100% secure. While we take every reasonable precaution, we cannot guarantee absolute security.

Data Retention

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

  • Contact enquiries: 2 years from last contact
  • Newsletter subscriptions: Until you unsubscribe or request deletion
  • Website analytics data: 2 years
  • Calculator inputs: Not retained beyond your active session
  • AI-processed content data: Not retained — only anonymised financial data is passed to AI services and no output is linked to individual users
  • Legal compliance data: As required by Ghanaian law

Your Privacy Rights

Under the Ghana Data Protection Act 2012 and, where applicable, the GDPR, you have the right to:

  • Access: Request a copy of the personal information we hold about you
  • Correction: Request correction of inaccurate or incomplete information
  • Deletion: Request deletion of your personal information
  • Objection: Object to our processing of your personal information
  • Restriction: Request that we limit how we process your data
  • Portability: Request that your data be transferred to another service provider

To exercise any of these rights, please contact us using the details in the Contact section below. We will respond within 21 days as required under Ghanaian law.

Children’s Privacy

CediSense is not directed at individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe a child has provided us with personal information, please contact us immediately and we will delete it promptly.

International Data Transfers

If you are accessing CediSense from outside Ghana, your information may be transferred to and processed in Ghana or other countries where our service providers operate. By using our services, you acknowledge and consent to such transfers. Where transfers occur to countries outside Ghana, we take steps to ensure appropriate safeguards are in place.

Third-Party Links

Our website may contain links to third-party websites including financial institutions, government agencies, and other resources. This Privacy Policy does not apply to those external sites. We encourage you to review their privacy policies independently.

Changes to This Privacy Policy

We may update this Privacy Policy periodically. We will notify you of significant changes by posting the updated policy on this page with a revised effective date, and where appropriate by email notification to subscribers.

Your continued use of CediSense after any changes constitutes acceptance of the updated policy.