Privacy Policy

Introduction

At Tisicks, we are committed to protecting your privacy and ensuring the security of your personal and financial information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our financial planning services, visit our website, or interact with us in any capacity. We understand the sensitive nature of financial data and take comprehensive measures to protect your privacy.

By using our services or providing us with your personal information, you consent to the practices described in this Privacy Policy. We encourage you to read this policy carefully and contact us if you have any questions about our privacy practices.

Information We Collect

Personal Information

We collect various types of personal information to provide you with effective financial planning services:

• Contact Information: Name, email address, phone number, physical address
• Financial Information: Salary details, income sources, banking information, investment accounts, debts, and financial goals
• Employment Information: Job title, employer details, employment history, and professional status
• Identification Information: Government-issued ID numbers, tax identification numbers (when required)
• Communication Records: Records of our conversations, consultations, and correspondence

Automatically Collected Information

When you visit our website or use our digital services, we automatically collect certain technical information:

• IP address and device identifiers
• Browser type and version
• Operating system information
• Website usage data and navigation patterns
• Cookies and similar tracking technologies

How We Use Your Information

We use your personal information for legitimate business purposes related to providing financial planning services:

• Service Delivery: To provide personalized financial planning advice, create budgets, and develop savings strategies
• Account Management: To set up and manage your account, process payments, and maintain service records
• Communication: To respond to inquiries, provide updates, and send important service notifications
• Compliance: To meet legal and regulatory requirements in the financial services industry
• Service Improvement: To analyze trends, improve our services, and develop new financial planning tools
• Marketing: To send relevant information about our services (with your consent and opt-out options)

Information Sharing and Disclosure

We do not sell, rent, or trade your personal information to third parties. We may share your information only in the following circumstances:

Service Providers

We may share information with trusted third-party service providers who assist us in operating our business, such as:

• Cloud storage and data processing providers
• Payment processing companies
• Professional advisors (lawyers, accountants, auditors)
• IT support and security services

Legal Requirements

We may disclose your information when required by law, regulation, or legal process, or to protect our rights, property, or safety, or that of our clients or the public.

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the business transaction, subject to equivalent privacy protections.

Data Security

We implement robust security measures to protect your personal and financial information:

• Encryption: All sensitive data is encrypted both in transit and at rest using industry-standard encryption protocols
• Access Controls: Strict access controls ensure only authorized personnel can access your information on a need-to-know basis
• Secure Systems: We use secure servers, firewalls, and intrusion detection systems to protect our infrastructure
• Regular Audits: We conduct regular security audits and assessments to identify and address potential vulnerabilities
• Employee Training: All staff members receive regular training on data protection and privacy best practices
• Physical Security: Our offices and data storage facilities are secured with appropriate physical safeguards

Your Rights and Choices

You have several rights regarding your personal information:

• Access: You can request access to the personal information we hold about you
• Correction: You can request corrections to inaccurate or incomplete information
• Deletion: You can request deletion of your personal information, subject to legal and business requirements
• Portability: You can request a copy of your information in a portable format
• Opt-out: You can opt out of marketing communications at any time
• Consent Withdrawal: You can withdraw consent for certain data processing activities

To exercise any of these rights, please contact us using the information provided at the end of this policy.

Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your browsing experience:

• Essential Cookies: Required for basic website functionality and security
• Analytics Cookies: Help us understand how visitors use our website to improve user experience
• Preference Cookies: Remember your settings and preferences for future visits
• Marketing Cookies: Used to deliver relevant advertisements and measure campaign effectiveness

You can manage cookie preferences through your browser settings or our cookie consent banner when you first visit our website.

Data Retention

We retain your personal information for as long as necessary to provide our services and comply with legal obligations:

• Active client information is retained for the duration of our service relationship plus 7 years
• Financial planning documents and recommendations are kept for 10 years after service completion
• Marketing and communication records are retained for 3 years or until you opt out
• Website usage data is typically retained for 2 years

We securely dispose of information that is no longer needed in accordance with our data retention schedule.

International Data Transfers

While our primary operations are based in Ghana, we may transfer your information to other countries for processing or storage. When we do so, we ensure adequate protection through:

• Contractual safeguards with third-party processors
• Compliance with international data protection standards
• Use of secure transfer mechanisms and protocols

Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have inadvertently collected information from a child, we will take immediate steps to delete such information.

Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, services, or legal requirements. We will notify you of material changes by:

• Posting the updated policy on our website with a new effective date
• Sending email notifications to registered users
• Providing prominent notices on our website or in our communications

We encourage you to review this Privacy Policy regularly to stay informed about how we protect your information.

Contact Information

If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:

We are committed to addressing your privacy concerns promptly and will respond to your inquiries within 30 days.