Privacy Policy

To deliver our lending services, Peak Loan may collect or request access to the types of information described in this section. Each category is collected only where relevant to credit assessment, account management, or platform security.

The information we collect is used solely for legitimate purposes connected to our lending platform. We process personal data in line with applicable data protection laws in Ghana and limit usage to what is reasonably required to operate Peak Loan effectively.

Your data may be used for the following purposes, each tied directly to the delivery and management of our financial services:

• Account Management: Creating and maintaining your profile, verifying login credentials, and managing your loan requests from submission through completion.
• Know Your Customer (KYC): Confirming your identity via document capture, facial verification, and other checks to prevent identity fraud and meet regulatory requirements.
• Credit Assessment: Analysing your financial activity patterns — including signals from SMS and device data — to determine suitability for credit and set appropriate lending limits.
• Fraud & Risk Control: Identifying suspicious behaviour, assessing device integrity, and protecting the platform and its users from unauthorised or malicious activity.
• Loan Disbursement & Repayment: Transferring approved funds to your nominated account and tracking repayment schedules and outstanding balances.
• Customer Service: Responding to enquiries, resolving technical issues, and providing assistance related to your account or loan status.
• Service Improvement: Analysing how the app is used to fix defects, optimise performance, and enhance the overall user experience.
• Legal & Regulatory Obligations: Complying with applicable laws, court orders, regulatory directives, and lawful requests from government authorities.

Peak Loan relies on automated tools — such as credit scoring models and risk analysis algorithms — to support key lending decisions, including:

• Assessing your creditworthiness and approving or declining loan applications
• Determining loan amounts, interest rates, and repayment terms
• Identifying applications that may involve fraudulent or high-risk activity

Automation allows us to provide timely and consistent outcomes across all users. If you disagree with a decision made by automated processing, you may request a human review by contacting us through the details provided in Section 8.

We are committed to collecting and using only the data that is relevant and adequate for our stated purposes. Specifically, we ensure that personal information is:

• Collected only when there is a clear and justified need
• Kept to a level that is appropriate — no more than what the purpose requires
• Maintained as accurate and up to date wherever practicable

We will not use your personal data for unrelated purposes without your prior consent, except where processing is required by law.

We treat your personal information as confidential and store it on our secure systems. We do not share, sell, or transfer your data to third parties for their independent use. Disclosure occurs only in the limited circumstances outlined below:

• Compliance with Law: When we are legally obligated to disclose information — including in response to valid court orders, regulatory inquiries, or requests from authorised government agencies.
• Protection of Rights & Safety: When disclosure is necessary to prevent fraud, investigate illegal activity, enforce our terms of service, or protect the safety of users and the public.

We do not sell, rent, lease, or otherwise commercialise your personal data. Your information is never traded to data brokers or used for third-party marketing purposes.

BYTESOFT TECHNOLOGIES LTD takes the security of your personal and sensitive information seriously. We employ a combination of technical, organisational, and administrative safeguards to protect your data against unauthorised access, loss, misuse, alteration, or disclosure.

We protect the personal and sensitive user data collected through Peak Loan using the following measures:

• Encryption in Transit: All data exchanged between your device and our servers is transmitted over secure, encrypted connections. This helps prevent interception, eavesdropping, or tampering while information is in transit.
• Encryption at Rest: Personal and sensitive data stored on our servers is protected using industry-recognised encryption methods and is hosted on secured, access-controlled infrastructure.
• Access Controls: Only authorised personnel with a legitimate business need may access user data. We enforce role-based permissions, authentication requirements, and internal approval processes to limit access.
• Monitoring & Audit Trails: We log and monitor access to systems and data where appropriate, enabling us to detect unusual activity, investigate security incidents, and maintain accountability.
• Ongoing Security Maintenance: We regularly review and update our security practices, including platform patches and vulnerability management, to maintain the confidentiality and integrity of user information.

We retain personal data only for as long as necessary to provide our lending services and fulfil the purposes described in this Privacy Policy, unless a longer retention period is required or permitted by applicable law.

• Active Accounts: While your Peak Loan account remains active, we retain the information needed to operate your account, process loan applications, manage repayments, and meet our service obligations.
• After Account Closure or Deletion: Following account closure or a verified deletion request, we will delete or irreversibly anonymise your personal data within 30 calendar days, except where limited retention is permitted as described in Section 4.4 below.
• Regulatory & Financial Records: Certain loan, transaction, and compliance-related records may be retained for longer periods where required by applicable laws, regulatory authorities, tax obligations, or legitimate business needs in Ghana.

When the applicable retention period expires, we securely delete or anonymise the data so it can no longer be associated with you.

If you have created a Peak Loan account, you may request deletion of your account and the personal data associated with it at any time through the following methods:

• In-App Deletion: Navigate to Settings within the Peak Loan app and follow the account deletion option, where available.
• Email Request: Send a deletion request to support@bytesofttechnologies.com with the subject line "Account Deletion Request". Please include the phone number registered to your account so we can verify your identity.
• Online Request: You may also submit a verified deletion request via our account deletion page.

Upon receiving and verifying a valid request, we will delete your app account and the personal data linked to it. Temporary account suspension, deactivation, or freezing does not constitute account deletion. We will process verified deletion requests within a reasonable timeframe and confirm once the process is complete.

You may also exercise your right to request deletion of specific personal data by contacting us using the details in Section 8 below, subject to applicable legal requirements.

In certain circumstances, we may retain limited data even after your account has been deleted, where such retention is necessary for legitimate purposes. This may include:

• Legal & Regulatory Compliance: Records required to satisfy applicable statutes, lending regulations, anti-money laundering obligations, tax requirements, or lawful requests from competent authorities.
• Fraud Prevention & Security: Information needed to detect, prevent, or investigate fraud, abuse, security incidents, or violations of our terms.
• Outstanding Obligations & Disputes: Data relating to unresolved loan balances, repayment records, complaints, or legal claims that must be preserved until the matter is resolved.

Any data retained under these circumstances is limited to what is strictly necessary, kept only for the required period, and continues to be protected under the security measures described in Section 4.1 above.

As a user subject to applicable data protection laws in Ghana, you are granted the following rights over your personal information:

• Access & Transparency: You may request confirmation as to whether we hold your personal data, and obtain details about where it came from, how it is used, and with whom it may be shared.
• Rectification: You have the right to request correction of any personal data that is incorrect, outdated, or incomplete.
• Erasure: Where legally permissible — such as when the data is no longer necessary for its original purpose — you may ask us to delete your personal information.
• Restriction & Objection: You may object to certain processing activities or request that we limit how your data is handled, where your particular circumstances warrant such action.

Withdrawing consent or disabling certain device permissions may affect your ability to use specific Peak Loan features, particularly the loan application process.

To exercise any of the rights listed above, submit your request using the contact details in Section 8 below. We will acknowledge and respond within the timeframes required by applicable law.

If you feel your data rights have been violated, you may lodge a complaint with the relevant data protection authority.

We reserve the right to amend this Privacy Policy whenever our lending services, regulatory environment, or internal data practices evolve. Each revised version will display an updated effective date at the top of this page so you can easily identify the current edition.

Where a change has a meaningful impact on how your personal data is collected or processed, we will draw your attention to it — for example, through an in-app notice within Peak Loan or by publishing the updated policy on our website. We recommend checking back from time to time to stay informed.

This Privacy Policy was first issued on 2026/7/2. Your ongoing use of Peak Loan following the publication of any amendment constitutes your agreement to the updated terms.

Peak Loan is intended exclusively for adults aged 20 and above. We do not knowingly collect personal information from persons under 20 years of age. If we become aware that a minor has submitted personal data without appropriate parental authorisation, we will delete that information from our records without undue delay.

For questions about this Privacy Policy, data handling practices, or to submit a privacy-related request, please contact us: