Firnic Driver Network

# 1. Introduction

This Privacy Notice explains how Firnic Driver Network ("we", "us", "our") collects, uses, and protects your personal information when you use our website, apply for deposit financing, or interact with our services. We are committed to protecting your privacy and ensuring your personal data is handled securely and transparently.

# 2. Who We Are

Firnic Driver Network is a registered enterprise operating in Accra, Ghana. We act as a financial facilitator bridging the gap between ride-hailing drivers and fleet owners by providing short-term deposit financing.

# 3. Data We Collect

We collect information to provide, maintain, and improve our services. This includes:

Personal Identification Data: Full name, date of birth, residential address, email address, phone number, and a copy of your Ghana Card.
Professional Data: Driver's license details, ride-hailing app profiles (e.g., Uber, Bolt, Yango), driver ratings, and work history.
Financial Data: Mobile money account details, bank account information, and guarantor financial information where applicable.
Device and Usage Information: IP address, browser type, operating system, and pages viewed when you interact with our website.

# 4. How We Use Your Data

We use the information we collect for various business purposes, including to:

Process and evaluate applications for short-term deposit financing.
Verify your identity, driving history, and eligibility.
Disburse funds directly to fleet owners and manage your repayment schedule.
Communicate with you regarding your application, account status, and repayment obligations.
Detect, prevent, and address fraud, unauthorized access, and other illegal activities.

# 5. Legal Bases for Processing

We process your personal data under the following legal bases: Contractual Necessity (to provide our financing services), Legitimate Interests (to prevent fraud and improve our services), and Consent (when you explicitly provide information for specific purposes).

# 6. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Notice, comply with our legal obligations, resolve disputes, and enforce our agreements. Once your data is no longer necessary, it is securely deleted or anonymized.

We do not sell your personal data. We may share your information only in the following circumstances:

With Fleet Owners / Garages: To facilitate the work-and-pay arrangement, we share necessary verification details with the fleet owner providing your vehicle.
With Service Providers: We share data with trusted third-party vendors who assist us with identity verification, payment processing, and data hosting.
For Legal Reasons: We may disclose your information if required to do so by law or court order.

# 8. Data Security

We implement industry-standard physical, technical, and administrative security measures to protect your information against unauthorized access, destruction, or alteration.

# 9. Your Data Protection Rights

You have the right to:

Access and request a copy of your personal data.
Request correction of inaccurate or incomplete data.
Request deletion of your personal data, subject to legal retention requirements.

# 10. Cookies and Tracking

We use cookies and similar tracking technologies to track activity on our website and hold certain information to enhance your user experience. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent.

# 11. Updates to this Policy

We may update this Privacy Notice from time to time. We will notify you of any changes by posting the new Privacy Notice on this page and updating the "Last updated" date at the top of this document.

# 12. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Notice, please contact us at: