Privacy Policy

1. Information We Collect

We collect information you provide directly to us, information generated when you use the platform, and information received from trusted service providers and partners.

• Identity and contact data: name, email address, phone number, address, national ID details, and account credentials.
• Order and vehicle data: vehicle selections, add-ons, quotations, checkout actions, purchases, repayment schedules, delivery ETA selections, and service history.
• Finance and application data: employment details, income information, supporting documents, guarantor details, affordability inputs, bank/payment references, and finance review outcomes.
• Payment and collections data: payment references, payment status, due dates, overdue history, reminder logs, applied late fees or daily penalties, and repayment restructuring actions.
• Technical and usage data: device information, IP address, browser type, log data, analytics events, and security signals used to detect abuse or fraud.
• Communications data: inbox messages, support requests, marketing preferences, SMS/email delivery logs, and sales or media lead interactions.

2. How We Use Personal Information

We use personal information only where we have a legitimate business need, your consent, to fulfil a contract with you, or to comply with legal obligations.

• Create and manage accounts, quotations, applications, orders, and service records.
• Process vehicle purchases, financing applications, repayment schedules, refunds, and delivery coordination.
• Send transactional updates including order progress, ETA updates, due-payment reminders, overdue notices, support responses, and service notifications.
• Operate underwriting, fraud prevention, document review, and internal risk assessment workflows.
• Manage collections and delinquency workflows, including reminder scheduling, collections-state tracking, and enforcement of contractual payment terms.
• Improve platform reliability, analytics, reporting, customer support, and security monitoring.
• Send marketing communications only where permitted by law and your communication preferences.

3. Finance Applications and Collections

If you apply for financing, leasing, or installment-based products, we may process additional sensitive commercial information to review affordability, manage repayments, and enforce contractual obligations.

• We may evaluate submitted application data, uploaded documents, affordability information, prior payment behaviour, and partner finance requirements.
• We may store repayment schedule metadata such as due dates, payment status, overdue days, late fees, daily penalties, reminder history, and approved schedule changes.
• Where your contract permits, we may use this information to manage collections workflows, communicate arrears notices, suspend non-essential privileges, or escalate default handling.
• Collections notices may be sent by email, SMS, in-app messages, phone calls, or assigned staff follow-up.

4. How We Share Information

We do not sell personal information. We share information only where necessary to operate the service, complete a transaction, or comply with legal obligations.

• Payment processors and financial service providers, including payment gateways and approved finance partners.
• Logistics, delivery, maintenance, support, warranty, and service-center partners where required to fulfil your order or after-sales services.
• Cloud infrastructure, communications, analytics, fraud monitoring, and document processing providers acting on our instructions.
• Professional advisers, auditors, insurers, debt recovery advisers, or law enforcement where legally required or necessary to protect our rights.
• Corporate transaction participants if TRUZT is involved in a merger, acquisition, restructuring, or sale of business assets, subject to appropriate safeguards.

5. Cookies, Analytics, and Tracking

We use cookies and similar technologies to keep you signed in, remember preferences, measure performance, improve conversion flows, and detect fraud or misuse.

• Essential cookies support authentication, checkout, security, and core navigation.
• Analytics tools may record page views, sessions, device/browser information, route interactions, and product engagement.
• You can manage browser cookies through your device settings, but disabling some cookies may affect service functionality.

6. Data Retention

We retain personal information only for as long as necessary for the purposes described in this policy, to comply with law, and to protect our contractual and legal interests.

• Account, order, and payment records may be retained for audit, tax, dispute, fraud prevention, and compliance purposes.
• Finance application and repayment records may be retained for underwriting, collections, legal enforcement, and reporting obligations.
• Support, sales, and media lead records may be retained to manage customer history, service quality, and commercial reporting.

7. Security

We use administrative, technical, and organizational safeguards designed to protect personal information against unauthorized access, alteration, disclosure, or destruction.

• Encrypted transport for platform traffic and third-party integrations where supported.
• Role-based access controls and limited internal access to operational data.
• Audit logging, environment-based secrets management, and ongoing platform maintenance.
• No system can guarantee absolute security, so you should also protect your credentials and notify us promptly about suspected compromise.

8. Your Rights and Choices

Subject to applicable law, you may have rights to access, correct, delete, or object to certain processing of your personal information.

• Access or update account and profile information.
• Request correction of inaccurate personal data.
• Request deletion where retention is not required for legal, contractual, fraud-prevention, or collections purposes.
• Opt out of promotional communications using the unsubscribe or preference tools provided.

9. International Transfers

Your information may be processed in jurisdictions outside Ghana where our providers or partners operate. Where this happens, we apply reasonable contractual and operational safeguards.

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect operational, legal, or product changes. Material updates will be posted on this page and may also be communicated through the platform or by email.

11. Contact Us

If you have questions about this Privacy Policy or how your information is handled, contact us using the details below.

• Email: privacy@truztev.com
• Support: support@truztev.com
• Phone: +233 30 296 2256
• Address: Accra, Ghana