This Privacy Policy explains how AgroDola ("we", "us", "our") collects, uses, shares, and protects your personal information when you use agrodola.com (the "Platform"). It also explains your rights and choices regarding your data.

AgroDola is a farm investment platform that connects investors with verified, harvest-ready farms across Ghana. We take the privacy of our users seriously and are committed to handling your personal information transparently and securely.

By using AgroDola, you agree to the collection and use of your information as described in this Privacy Policy. If you do not agree with this policy, please do not use the Platform.

1. Information We Collect

We collect several types of information to provide and improve our services.

a) Information you provide directly

• Account information: name, email address, phone number, password, country, date of birth
• Identity verification (KYC): government-issued ID, passport, driver's license, proof of address, selfie or photo verification
• Financial information: bank account details, mobile money number, wallet balance, transaction history
• Communication data: messages sent to our support team, feedback, complaints
• Referral information: names and contact details of people you refer to AgroDola

b) Information collected automatically

• Device information: IP address, browser type, operating system, device identifiers
• Usage information: pages visited, features used, time spent on the Platform, click patterns
• Location data: approximate geographic location (from IP address)
• Cookies and similar technologies (see our Cookie Policy for details)

c) Information from third parties

• Identity verification partners (for KYC checks)
• Payment processors (for transaction confirmation)
• Analytics providers (for anonymous usage data)
• Public databases (for fraud prevention)

2. How We Use Your Information

We use your personal information to:

• Create and manage your AgroDola account
• Verify your identity (KYC/AML compliance)
• Process investments, deposits, and withdrawals
• Show you relevant farm listings based on your preferences
• Send you transaction confirmations and updates
• Respond to your questions and support requests
• Detect and prevent fraud, money laundering, and unauthorized access
• Comply with legal and regulatory obligations in Ghana
• Improve the Platform through analytics and user feedback
• Send you marketing communications (only with your consent — you can opt out anytime)
• Administer our referral program

We do not sell your personal information to third parties.

3. Legal Basis for Processing

We process your personal information based on the following legal grounds:

• Contract: to fulfill our agreement with you (operating your account, processing investments)
• Legal obligation: to comply with anti-money laundering (AML), know-your-customer (KYC), and other financial regulations
• Legitimate interest: to prevent fraud, secure our platform, and improve our services
• Consent: for marketing communications and non-essential cookies (you can withdraw consent at any time)

4. How We Share Your Information

We may share your information with:

a) Service providers

Third-party companies that help us operate AgroDola, including:

• Payment processors (for deposits and withdrawals)
• Identity verification services (for KYC/AML checks)
• Cloud hosting and infrastructure providers
• Analytics and error monitoring tools
• Customer support platforms
• Email and SMS communication providers

These providers are contractually required to keep your information confidential and to use it only for the services they provide to us.

b) Regulators and authorities

We may disclose your information to:

• The Bank of Ghana
• The Ghana Data Protection Commission
• Law enforcement agencies
• Tax authorities
• Courts and legal advisors (when legally required)

We do this only when required by law or when necessary to protect our legal rights, our users, or the public.

c) Business transfers

If AgroDola is merged, acquired, or sells its assets, your information may be transferred as part of that transaction. We will notify you of any such change and any new privacy terms that apply.

d) With your consent

We may share your information with other parties when you explicitly ask us to or give us permission.

We never sell your personal information.

5. Data Security

We take the security of your information seriously and use industry-standard safeguards, including:

• Encryption of data in transit (HTTPS/TLS) and at rest
• Secure password hashing (one-way encryption)
• Two-factor authentication (2FA) available for all accounts
• Regular security audits and penetration testing
• Restricted access to personal data on a need-to-know basis
• Employee training on data protection
• Incident response procedures for potential breaches

Despite these measures, no system is 100% secure. If you suspect unauthorized access to your account, contact us immediately at info@agrodola.com.

6. Data Retention

We retain your personal information for as long as:

• Your account remains active
• Needed to provide our services
• Required by law (typically 5–7 years for financial records under Ghanaian AML regulations)
• Necessary to resolve disputes or enforce our agreements

When your account is closed, we will delete or anonymize your information, except where retention is legally required.

7. Your Rights

You have the following rights regarding your personal information:

• Right to access: request a copy of the personal data we hold about you
• Right to rectification: correct inaccurate or incomplete information
• Right to erasure: request deletion of your data (subject to legal retention requirements)
• Right to restrict processing: limit how we use your data in certain circumstances
• Right to data portability: receive your data in a structured, machine-readable format
• Right to object: object to processing based on legitimate interest
• Right to withdraw consent: for marketing and non-essential cookies, at any time
• Right to complain: to the Ghana Data Protection Commission if you believe we've mishandled your data

To exercise any of these rights, email us at info@agrodola.com. We will respond within 30 days.

8. Cookies and Tracking

We use cookies and similar technologies to keep you logged in, remember your preferences, and understand how visitors use the Platform. For full details, including how to control cookies, see our Cookie Policy.

9. Marketing Communications

If you opt in, we may send you emails about new farm listings, features, and promotions. You can:

• Unsubscribe using the link in any marketing email
• Update your preferences in your account settings
• Email us at info@agrodola.com to opt out

We will still send essential service emails (transaction confirmations, security alerts, legal notices) even if you opt out of marketing.

10. Children's Privacy

AgroDola is not intended for anyone under 18 years old. We do not knowingly collect personal information from children. If we learn that a child has provided us with personal information, we will delete it immediately.

11. International Data Transfers

AgroDola is based in Ghana. Your information may be transferred to and processed in countries outside Ghana where our service providers operate (for example, cloud hosting in Europe or the United States). When we transfer data outside Ghana, we ensure appropriate safeguards are in place, including standard contractual clauses and equivalent data protection standards.

12. Third-Party Links

The Platform may contain links to third-party websites (payment providers, social media, etc.). We are not responsible for the privacy practices of those third parties. We encourage you to review their privacy policies before sharing any personal information with them.

13. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make material changes, we will notify you by:

• Posting a prominent notice on the Platform
• Sending an email to your registered address
• Requiring your re-acceptance of the new terms if legally required

Continued use of AgroDola after changes take effect constitutes your acceptance of the revised policy.

14. Contact Us

If you have any questions, concerns, or complaints about this Privacy Policy or how we handle your data, please contact us:

• Email: info@agrodola.com
• Website: agrodola.com
• Data Protection Officer: dpo@agrodola.com

For complaints that cannot be resolved with us directly, you may contact the Ghana Data Protection Commission.

By using AgroDola, you acknowledge that you have read and understood this Privacy Policy.