Privacy Policy
Last Updated: 27th August 2025
Privacy Policy
United Pension Trustees Limited (“United Pension Trustees”, “we”, “our”, or “us”) is committed to protecting the privacy of our clients, members, and website users. This Privacy Policy explains how we collect, use, store, and protect your personal information in line with the Data Protection Act, 2012 (Act 843) of Ghana. By using our website or services, you consent to the practices described in this Policy.
1. Information We Collect
We may collect the following categories of information:
- Personal Identification Data: Full name, date of birth, gender, nationality, contact details (address, email, phone number).
- Financial and Pension Data: Employment details, salary history, contributions, pension scheme membership details, and beneficiary information.
- Sensitive Personal Data: National ID numbers (e.g., Ghana Card, SSNIT number), next of kin/ trustee, and biometric information where applicable.
- Website and Technical Data: IP addresses, browser type, device information, and cookies for analytics and security.
2. How We Use Your Information
We use personal information only for purposes permitted by law, including:
- Administration and management of pension schemes.
- Compliance with the National Pensions Regulatory Authority (NPRA) requirements.
- Verification of identity and prevention of fraud.
- Communication with members regarding their pensions.
- Improving our website and services.
- Responding to inquiries, complaints, or customer support requests.
3. Sharing of Information
We may share your information with:
- Regulators: The NPRA and other lawful authorities when required.
- Service Providers: Technology partners, fund managers, custodians, and administrators who support our operations under strict confidentiality obligations.
- Legal Obligations: Where disclosure is required by law, court order, or regulatory directive.
We do not sell or lease your personal information to third parties.
4. Data Protection and Security
- We implement appropriate technical and organizational measures to safeguard your data against unauthorized access, loss, misuse, or disclosure.
- Access to personal data is restricted to authorized employees, trustees, and service providers.
- Data is retained only as long as necessary for pension administration or as required by law.
5. Your Rights Under Ghanaian Law
In accordance with the Data Protection Act, you have the right to:
- Request access to your personal data.
- Request correction of inaccurate or incomplete data.
- Request deletion of your data, subject to legal and regulatory obligations.
- Object to or restrict certain forms of processing.
- Withdraw consent where processing is based on consent.
To exercise your rights, please contact us (see Section 8 below).
6. Cookies and Website Tracking
- Our website may use cookies and tracking technologies to enhance user experience, improve performance, and collect anonymous statistics.
- You can manage or disable cookies through your browser settings.
7. International Data Transfers
- If data is transferred outside Ghana (for example, to cloud service providers), we will ensure adequate safeguards are in place to protect your personal information in compliance with Ghanaian law.
8. Changes to this Policy
- We may update this Privacy Policy from time to time. Any changes will be posted on our website, and the “Last Updated” date will be revised.
Continued use of our website or services after such updates constitutes acceptance of the revised Policy.