Your Data. Your Consent. Your Clarity.

At CedisPay, we use Artificial Intelligence (AI) to serve you better — not to replace human care, judgment, or responsibility. This policy outlines how we use AI, how we protect your personal data, and your rights as a valued customer.

Why We Use AI

We use AI tools responsibly to improve:
• Customer service speed and personalization
• Financial wellbeing insights tailored to you
• Product development (like our pension-backed loans)
• Data analytics to enhance app and website experiences
AI helps us deliver smarter, faster, and more relevant services — while keeping you in full control.

How Your Data is Protected

We design all AI processes with privacy by default:
• We never share personal data with external AI tools (e.g., ChatGPT, OpenAI)
• All AI insights are reviewed by humans before being used or shared
• AI does not make final loan or financial decisions — every decision is reviewed by real CedisPay staff
• We comply with Ghana’s Data Protection Act and global best practices

Consent to Use of Data for AI Model Training

By using CedisPay’s services, you agree to the careful, secure use of your data for system improvement — always with your consent and full transparency.

• Purpose of Data Use: We may use your financial, transactional, and pension-related data to train and improve our AI models. This helps us offer more accurate, fair, and efficient services to all our users.
• Anonymization & Aggregation: Your data is anonymized and aggregated before being used for training. That means it’s never linked back to your identity.
• Security Safeguards:
  • Data encryption at rest and in transit
  • Secure storage infrastructure
  • Access restrictions and regular audits
  • Ongoing monitoring for unauthorized use

Your Rights & Control

We believe your data belongs to you. You have the right to:
• Access the personal data we hold
• Request corrections or deletion of inaccurate data.
• Withdraw consent for AI training at any time
• Opt out of data usage for AI training by contacting: info@cedispay.com.gh
Please note: opting out may limit access to certain AI-enhanced features of our app or platform.

Frequently Asked Questions

• Question: Does CedisPay use AI to approve loans?
  Answer: No. AI may support analysis, but all lending decisions are made by trained professionals under regulated standards.
• Question: Is my data shared with ChatGPT or external AI tools?
  Answer: Never. We do not feed your identifiable information into third-party AI systems.
• Question: Can I request a copy of my data or delete it?
  Answer: Yes. You can make a data request anytime. Simply contact us at info@cedispay.com.gh
• Question: Can I still use CedisPay if I opt out of AI data use?
  Answer: Absolutely. You can still use our core services. Some features powered by AI may be limited.

Our Promise to You

At CedisPay, we don’t just talk about trust — we design for it:
• We use AI to serve you — not surveil you
• We protect your data like it’s our own.
• We believe consent, clarity, and control are your rights — not privileges