Privacy Policy

1. Overview

BuyNowPaysLater (“we”, “us”, “our”) is committed to protecting your personal information. This Privacy Policy explains what data we collect, why we collect it, how we use it, and your rights regarding your data.

2. Information We Collect

We collect the following categories of personal information:

• Identity data: Full name, residential address, and national ID number (Ghana Card or equivalent government-issued ID).
• Contact data: Phone number (used for payment reminders, WhatsApp communication, and customer support).
• Income & financial data: Proof of income documents (payslip, business records, or bank statement) used solely to assess your ability to meet installment payments.
• Guarantor information: Name, phone number, and relationship to you of the guarantor(s) you provide. By supplying guarantor details, you confirm you have informed them that their information will be held by BuyNowPaysLater for the duration of your agreement.
• Transaction data: Products ordered, payment plans selected, installment schedule, and payment history.
• Technical data: IP address, browser type, device information, pages visited, and session data collected automatically when you use our website.
• Usage data: Search queries and browsing behavior on our site.

3. How We Use Your Information

• To process and fulfill your hire purchase orders.
• To verify your identity and assess creditworthiness.
• To send payment reminders and transaction updates.
• To respond to your inquiries and provide customer support.
• To improve our website and product offerings.
• To comply with legal and regulatory obligations.

4. Legal Basis for Processing

We process your personal data on the following legal bases:

• Contract performance: To fulfil our hire purchase agreement with you.
• Legal obligation: To comply with applicable laws and regulations in Ghana.
• Legitimate interests: To improve our services, prevent fraud, and maintain security.
• Consent: Where you have explicitly agreed to receive marketing communications from us.

5. Data Sharing

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

• Our logistics department for order delivery purposes.
• Payment processors for transaction handling.
• Our agents and field staff who facilitate transactions on our behalf.
• Law enforcement or regulatory authorities when required by law.

6. Data Security

We implement appropriate technical and organizational measures to protect your personal data against unauthorized access, alteration, disclosure, or destruction. Access to your data is limited to authorized staff on a need-to-know basis.

7. Data Retention

We retain your personal data for as long as your account is active or as necessary to fulfil the purposes described in this policy. Financial and transaction records may be retained for up to 7 years to comply with legal obligations.

8. Your Rights

Subject to applicable law, you have the right to:

• Access the personal data we hold about you.
• Request correction of inaccurate or incomplete data.
• Request deletion of your data (where legally permissible).
• Withdraw consent for marketing communications at any time.
• Lodge a complaint with the relevant data protection authority in Ghana.

To exercise any of these rights, contact us at buynowpayslater@gmail.com.

9. Cookies

Our website uses cookies and similar technologies to maintain session state, analyze site traffic, and improve user experience. By continuing to use our website, you consent to our use of cookies. You can disable cookies through your browser settings, but this may affect the functionality of the site.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be reflected on this page with an updated date. We encourage you to review this page periodically.

11. Contact Us

If you have any questions about this Privacy Policy, please contact us at buynowpayslater@gmail.com or call +233 54 644 3323.