1. Introduction
MOBOT INNOVATION ENTERPRISE (BN330881025) ("we," "our," or "us") is committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, protect, and share your information when you use our AI-powered banking services through WhatsApp and other platforms.
Data Controller Information
🏢 MOBOT INNOVATION ENTERPRISE
Registration Number: BN330881025
Legal Status: Officially Registered Entity under The Registration of Business in Ghana ACT
Data Protection Compliance: We comply with Ghana's Data Protection Act and international data protection standards.
Business Address: Accra, Ghana
✅ Your data is protected by a legally registered and compliant business entity.
Data Controller Information
🏢 MOBOT INNOVATION ENTERPRISE
Registration Number: BN330881025
Legal Status: Officially Registered Entity under The Registration of Business in Ghana ACT
Data Protection Compliance: We comply with Ghana's Data Protection Act and international data protection standards.
Business Address: Accra, Ghana
✅ Your data is protected by a legally registered and compliant business entity.
2. Information We Collect
2.1 Personal Information
- Name: Your full legal name as required for account verification
- Ghana Card Details: National identification number and related information for identity verification
- Phone Number: Your WhatsApp-enabled phone number for service delivery
- Financial Information: Bank account details, transaction history, and payment preferences
- Biometric Data: Fingerprint and facial recognition data for enhanced security (where applicable)
2.2 Transaction Data
- Payment and transfer records
- Bill payment history
- Merchant transaction details
- Account balance and savings information
2.3 Technical Information
- Device information and operating system
- IP address and location data
- Usage patterns and interaction logs
- WhatsApp message metadata (not content)
3. How We Use Your Information
3.1 Service Provision
- Process payments, transfers, and bill payments
- Verify your identity and prevent fraud
- Provide customer support and assistance
- Provide emergency self‑service features (e.g., freeze or disable transactions) directly from the website and WhatsApp
- Maintain and improve our AI banking services
3.1.a AI Assistance (MOBOT Custom AI Model)
We use our custom-trained AI model, specifically designed for Ghana's financial ecosystem, to assist with language understanding, customer support responses, and certain automated actions. Our AI model:
- Is trained on 67,687+ Ghana financial conversations
- Supports English, Twi, Ga, Ewe, Hausa
- Specializes in Ghana financial services and local context
- Maintains 95%+ accuracy in Ghana financial queries
AI outputs are reviewed and governed by strict internal controls to protect your privacy. We do not use AI to read the content of your WhatsApp messages; only metadata and interaction events may be processed for service delivery.
3.2 Security and Compliance
- Monitor for suspicious activities and fraud prevention
- Comply with regulatory requirements and anti-money laundering laws
- Conduct security verification and risk assessment
- Generate reports for regulatory authorities when required
3.3 Analytics and Improvement
- Analyze usage patterns to improve our services
- Develop new features and functionalities
- Conduct market research and customer satisfaction surveys
- Personalize your banking experience
4. How We Protect Your Information
4.1 Encryption
All sensitive data is protected using industry-standard 256-bit SSL encryption both in transit and at rest. Your financial information is encrypted using advanced cryptographic protocols.
4.2 Access Controls
We implement strict access controls ensuring only authorized personnel can access your personal information on a need-to-know basis for legitimate business purposes.
4.3 PIN Security
Your transaction PINs are hashed using advanced algorithms and are never stored in plain text. We cannot see or recover your PIN - only you know it.
4.4 Transaction Monitoring
All transactions are monitored in real-time for suspicious activities using AI-powered fraud detection systems.
5. Information Sharing
5.1 We Share Information With:
- Banking Partners: Licensed financial institutions for transaction processing
- Regulatory Bodies: Bank of Ghana and other relevant authorities as required by law
- Service Providers: Trusted third-party vendors who help us operate our services
- Law Enforcement: When required by valid legal process or court orders
5.2 We Do NOT Share:
- Your personal information with marketers or advertisers
- Your transaction details with unauthorized parties
- Your PIN or biometric data with anyone
- Your information for commercial purposes unrelated to banking
6. Your Rights
6.1 Access and Correction
You have the right to access, review, and correct your personal information. Contact us to request a copy of your data or to update incorrect information.
6.2 Data Deletion
You can request deletion of your personal information, subject to legal and regulatory retention requirements. Some information may need to be retained for compliance purposes.
6.3 Marketing Opt-out
You can opt out of marketing communications at any time by contacting us or following unsubscribe instructions in our messages.
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