Search
The Business & Financial Times

Data Protection & Cookie Policy

(In compliance with the Ghana Data Protection Act, 2012, Act 843)

1. Introduction

Business & Financial Times (B&FT) is committed to protecting the privacy and personal data of its readers, subscribers, advertisers, and website users. This Policy explains how we collect, use, store, and protect your personal information in accordance with the Ghana Data Protection Act, 2012 (Act 843).

By using our website or services, you consent to the practices described in this Policy.

2. Data Controller

For the purpose of Act 843, Business & Financial Times is the Data Controller responsible for determining how your personal data is processed.

3. Information We Collect

We may collect the following categories of personal data:

a) Information You Provide Directly

  • Name
  • Email address
  • Phone number
  • Billing information
  • Subscription details
  • Comments and user-generated content

b) Automatically Collected Information

  • IP address
  • Browser type
  • Device information
  • Pages visited
  • Time spent on site
  • Referring URLs

c) Subscription & Payment Data

Payment transactions are processed through secure third-party payment providers. B&FT does not store full credit or debit card details.

4. Purpose of Data Processing

We process personal data for the following lawful purposes:

  • To provide access to digital content and subscriptions
  • To manage user accounts
  • To improve website functionality and user experience
  • To communicate updates, newsletters, and service notices
  • To comply with legal and regulatory obligations
  • To prevent fraud and protect platform integrity

Processing is based on:

  • User consent
  • Contractual necessity
  • Legal obligation
  • Legitimate business interest

5. Data Retention

Personal data shall be retained only for as long as necessary to fulfill the purpose for which it was collected or as required by law. When no longer required, data will be securely deleted or anonymized.

6. Data Security

B&FT implements appropriate technical and organizational measures to safeguard personal data, including:

  • Secure servers and encryption protocols
  • Restricted access controls
  • Regular system monitoring
  • Secure authentication mechanisms

However, no online platform can guarantee absolute security.

7. Data Subject Rights

Under Act 843, you have the right to:

  • Request access to your personal data
  • Request correction of inaccurate data
  • Request deletion where appropriate
  • Object to certain processing activities
  • Withdraw consent at any time

Requests may be submitted via our official contact channels.

8. Data Sharing

We do not sell personal data. Data may be shared with:

  • Payment processors
  • Hosting providers
  • Email communication platforms
  • Legal or regulatory authorities when required

All third parties are required to maintain appropriate data protection standards.

9. International Transfers

If personal data is transferred outside Ghana, B&FT ensures that adequate safeguards are in place in compliance with Act 843.