Privacy Policy
Last Updated: February 2026
Exceptional Investment and Loans is committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, store, and protect your data in compliance with the Ghana Data Protection Act, 2012 (Act 843).
1. Information We Collect
When you apply for a loan, we collect the following information:
- Personal Information: Full name, date of birth, phone number, residential address, marital status
- Employment Information: Employer name, job description, workplace, monthly income
- Financial Information: Bank details, account numbers, existing loan commitments
- Identification Documents: Ghana Card, Voter ID, Passport, Driver's License, payslips, photographs
- Guarantor Information: All personal, employment, and identification details of your guarantor
2. How We Use Your Information
We use your personal information for the following purposes:
- Processing and evaluating your loan application
- Verifying your identity and creditworthiness
- Communicating with you about your application and loan status
- Disbursing approved loans to your bank account
- Managing loan repayments and collections
- Complying with legal and regulatory requirements
- Preventing fraud and financial crimes
- Improving our services
3. Information Sharing
We may share your information with:
- Credit Bureaus: To assess creditworthiness and report loan performance
- Regulatory Authorities: As required by Ghanaian law
- Debt Recovery Agents: In case of loan default
- Your Guarantor: In case of payment issues or default
We will never sell your personal information to third parties.
4. Data Security
We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, loss, or misuse. These include:
- Secure encrypted storage of all data
- Access controls limiting who can view your information
- Regular security audits and updates
- Secure file upload and storage systems
5. Data Retention
We retain your personal information for as long as necessary to:
- Fulfill the purposes outlined in this policy
- Comply with legal and regulatory obligations
- Resolve disputes and enforce our agreements
Generally, we retain loan application data for 7 years after loan completion or application rejection.
6. Your Rights
Under the Ghana Data Protection Act, you have the right to:
- Access: Request copies of your personal information
- Correction: Request correction of inaccurate information
- Objection: Object to processing of your data for certain purposes
- Complaint: Lodge a complaint with the Data Protection Commission
To exercise these rights, contact us at larteyr08official@gmail.com
7. Cookies and Website Data
Our website may use cookies and similar technologies to improve user experience. These do not collect personally identifiable information.
8. Changes to This Policy
We may update this Privacy Policy from time to time. Changes will be posted on our website with an updated "Last Updated" date.
9. Contact Us
For privacy-related questions or concerns: