Privacy Policy

Last Updated: May, 2026

This Privacy Policy describes how Paysmallsmall ("we," "us," or "our") collects, uses, and shares your information when you use our mobile application and services. By creating an account, you agree to the collection and use of information in accordance with this policy and the laws of Ghana.

1. Information We Collect

To provide our installment services, we collect the following types of information:

Personal Identification: Full name, contact details, and any government-issued identification required for account verification.

Financial Information: Details regarding your Mobile Money wallet or bank account to facilitate automated repayments.

Transaction Data: Information about the items you purchase, the total purchase price, and your installment schedule.

Credit Information: We may access data from the Credit Bureau to assess your eligibility and report payment history.

2. How We Use Your Information

We use the collected data to:

Process Installments: Split your purchase price and manage your payment schedule. 

Automate Payments: Execute the Continuous Payment Authority (CPA) to debit your account at 4-hour intervals if a payment fails.

Manage Risk: Monitor for defaults and apply necessary account suspensions or late fees.

Legal Compliance: Comply with the laws of Ghana and resolve disputes through arbitration or mediation.

3. Data Sharing and Disclosure

We share your information only in the following circumstances:

Credit Bureaus: Consistent defaults may be reported to the Credit Bureau, which can impact your credit score. 

Legal Requirements: When required by law or to protect our rights during dispute resolutions.

4. Data Security and Retention

Security: We implement industry-standard measures to protect your financial and personal data.

Retention: Your data is retained as long as your account is active or as needed to settle outstanding balances and meet legal obligations.

5. Your Rights

Under the laws of Ghana, you have the right to access, correct, or request the deletion of your personal data, subject to outstanding financial obligations to Paysmallsmall.

6. Contact Us

For questions regarding this Privacy Policy or your data, please contact our support team through support@paysmallsmall.app or call us on 0303978485.