Privacy Policy

EasyRateLoan is operated by SPACELANDS DIGITAL GHANA LTD ("we", "us" or "our"). We respect your privacy and are committed to protecting your personal data. This Privacy Policy explains what information we collect, how we use it, who we share it with, and the rights you have over your data.

By downloading, installing or using EasyRateLoan, you acknowledge that you have read and understood this Privacy Policy. If you do not agree, please do not use the app.

Minimum age: EasyRateLoan is intended for users aged 18 or older. We do not knowingly collect personal data from minors.

1. Information We Collect

We collect the following categories of information to provide our loan services:

1.1 Information you provide directly

  • Account details: your mobile phone number.
  • Identity information: full name, date of birth, Ghana national ID number, date of issue and expiry.
  • Profile information: gender, residential address, education level, monthly income, occupation.
  • Financial information: bank account number or mobile money wallet details.
  • Emergency contacts: names, phone numbers and relationship of up to two emergency contacts. These contacts are entered by you manually or selected by you from your address book; we only access the contacts you explicitly choose, and do not read or upload your entire address book.

1.2 Information collected from your device

  • SMS messages: we read SMS senders and timestamps, and access the content of messages related to financial activities (such as bank transaction alerts, repayment reminders and transfer receipts). This information is used to evaluate your credit risk and assess your repayment capacity, and is transmitted to and stored on our server (https://www.spacelandsdigital.com) over a secure HTTPS connection. We do not read or store SMS content unrelated to financial activities.
  • Location: approximate location used for risk control and fraud prevention.
  • Camera: used to capture your ID document and selfie during KYC verification. We do not access photos or videos stored on your device.
  • Installed apps: we collect the name, installation time, version and other related information of the apps installed on your device. This information is transmitted to our server (https://www.spacelandsdigital.com) over a secure HTTPS connection and is used to evaluate your credit risk.
  • Device information: device model, operating system version and IP address.

You may decline any permission in your device settings, but this may limit certain app features.

2. How We Use Your Data

We use your information for the following purposes:

  • Identity verification and KYC compliance.
  • Credit assessment and loan eligibility decisioning.
  • Loan disbursement, repayment collection and account management.
  • Fraud detection and risk control.
  • Customer support and dispute resolution.
  • Compliance with legal and regulatory obligations.
  • Product improvement and service analytics.

We do not sell your personal data.

3. Data Sharing and Third Parties

We may share your data with the following categories of third parties to operate our services:

  • Identity verification providers: for KYC checks.
  • Payment processors: to disburse funds and collect repayments to your bank or mobile money account.
  • Cloud hosting and analytics providers: to store data and analyze app usage.
  • Regulatory and law enforcement authorities: when required by law or legal process.

We only share the minimum data necessary for each purpose, and require our partners to protect your data.

4. Data Storage and Security

All transactions are protected with 128-bit SSL encryption, and data is uploaded to and stored on our secure server via an encrypted HTTPS connection: https://www.spacelandsdigital.com/. We implement technical safeguards, physical access restrictions and internal confidentiality agreements to protect your data against unauthorized access, loss or misuse. Only employees who require the data to perform their duties are granted access, and all such personnel are bound by strict contractual confidentiality obligations.

5. Your Rights

Under applicable data protection 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 when it is no longer needed.
  • Object to certain processing, including marketing.
  • Request restriction of processing in certain circumstances.
  • Request data portability where technically feasible.

To exercise any of these rights, please contact us through the in-app support channel. We will respond within the period required by applicable law.

6. Data Retention

We retain your data for as long as your account is active. After your loan is fully repaid and the account is closed, we retain your personal data as long as necessary to comply with legal, tax and anti-fraud obligations, after which the data is deleted or anonymized.

You may request account deletion in the app. If you have an outstanding loan, the deletion will be processed only after the debt is fully settled. After your account is deleted, re-registration with the same phone number is subject to a waiting period, and the number of deletion requests per phone number is limited; these details are shown in the app.

7. Policy Updates

We may update this Privacy Policy from time to time. The updated version will be made available in the app, and the effective date will be revised. Continued use of the app after changes constitutes acceptance of the updated policy.

8. Contact Us

If you have any questions about this Privacy Policy or your personal data, please contact us: