Privacy Policy

Your privacy matters to us

To offer a financial service, we're required to collect certain information about you. We only collect what we genuinely need, we keep it safe, and we never sell it to anyone.

This policy explains what we collect, why we collect it, and what your rights are. It's written in plain language because you deserve to understand exactly how your data is used.

What information we collect

Information you give us when signing up

• Your full name, date of birth, and nationality
• Your Ghana Card number or passport number, to verify your identity
• Your phone number and email address
• Your home address
• A photo of your ID document and a selfie, for identity verification

Information we collect when you use HSB

• Every transaction you make — amounts, dates, and who you sent to or received from
• Your Mobile Money number or bank account details, for deposits and withdrawals
• The type of device you use and your IP address
• When and how often you use the app

Why we collect this information

Because the law requires it

As a financial service, we're legally required to verify your identity before you can use HSB. This is called "Know Your Customer" (KYC), and it exists to protect everyone — including you — from fraud and financial crime.

To run your account and process your transactions

We need your information to send and receive money on your behalf, to top up and withdraw funds, and to send you notifications about your account.

To keep your account safe

We monitor transactions to spot unusual activity that might mean someone else has accessed your account. If we see something suspicious, we'll contact you straight away.

To meet our legal obligations

We're sometimes required to share certain transaction information with authorities as required by law. We never share more than what is legally required.

Cookies and analytics

We use cookies and similar technologies on our website to keep it working and to understand how visitors use it.

Essential cookies

These are needed for the site and your account to function — for example, to keep you signed in and your session secure. They're always on because the site can't work without them.

Analytics cookies

We use analytics to see how many people visit, which pages they view, and how they found us, so we can improve the site. These are only set if you accept them. When you first visit, a banner lets you accept or decline. If you decline, we don't load analytics, and you can still use HSB normally.

Who we share your information with

We don't sell your information, and we don't share it for advertising. We only share it with:

• Authorities — where we're required to by law
• Our identity verification provider — to check your ID documents when you sign up
• Our banking partner — to process your deposits and withdrawals
• Mobile Money providers (MTN, Telecel) — to process MoMo transactions

Every third party we work with is required to protect your information and can only use it for the specific purpose we've shared it for.

How we keep your information safe

• All data is encrypted — scrambled so only authorised systems can read it
• We use secure, industry-standard systems to store your information
• Access to customer data is strictly limited to people who need it to do their job
• We test our security regularly and fix any issues immediately

How long we keep your information

We keep your personal information for as long as your account is open, and for at least 6 years after it's closed, as required by Ghanaian financial regulations. After that, we delete or anonymise your data so it can no longer be linked back to you.

Your rights

Under Ghanaian data protection law, you have the right to:

• Ask us what personal information we hold about you
• Ask us to correct information that's wrong
• Ask us to delete your information, where the law allows
• Ask us to stop using your information for certain purposes
• Complain to the Data Protection Commission of Ghana if you're unhappy with how we handle your data

To exercise any of these rights, email us at privacy@hsbgh.com. We'll respond within 30 days.

Changes to this policy

We may update this policy from time to time. When we do, we'll notify you through the app and update the "last updated" date at the top of this page. Continuing to use HSB after a change means you accept the updated policy.

Questions about this policy? Email us at privacy@hsbgh.com.