Privacy Policy

1. Who We Are
Cornerstone Capital Advisors Ltd (CCAL), registered in Ghana, is your data controller under the Data Protection Act, 2012 (Act 843).

2. Information We May Collect
We only collect necessary information provided by you including:

Identification details (name, ID numbers)
Contact information (email, phone, address)
Financial data (investment history, bank details)
Professional information (employment, tax status)
Technical data (IP address, device information)

3. How We Use Your Information
We process your data to:

Manage your investments and accounts
Verify your identity per regulatory requirements
Communicate about your investments
Comply with legal obligations (Securities and Exchange Commission, National Pensions Regulatory Authority)
Improve our services (with anonymized data)

4. Legal Basis for Processing
We process your data based on:

Contractual necessity for investment services
Legal compliance under Ghanaian financial regulations
Legitimate business interests
Your explicit consent (where required)

5. Data Sharing
We may share information with:

Regulatory authorities (SEC, Bank of Ghana)
Financial institutions for transaction processing
Auditors and legal advisors
Service providers under strict confidentiality agreements

We never sell your personal data.

6. Data Security
We implement measures including:

Encryption of sensitive data
Secure access controls
Regular security audits
Staff training on data protection

7. Your Rights Under Ghana Law
You have the right to:

Access your personal information
Request correction of inaccurate data
Object to processing
Request deletion of data (where applicable)
Withdraw consent
Lodge complaints with the Data Protection Commission, Ghana

8. Data Retention
We retain your data:

For as long as you maintain an account with us
As required by Ghanaian financial regulations (minimum 7 years)
Until legal claims can no longer be made

9. International Transfers
Where data is transferred outside Ghana, we ensure:

Adequate protection under Act 843
Appropriate safeguards (standard contractual clauses)

10. Changes to This Policy
Updates will be posted on our website with a new effective date.

11. Contact Us
Data Protection Officer
Cornerstone Capital Advisors Ltd
No. 34 Samora Machel Road, Asylum Down
Tel: +233 302 264453

Data Protection Commission Ghana Contact:
P.O. Box CT 7195, Cantonments, Accra
Tel: +233 302 229 507 / 9
Website: www.dataprotection.org.gh