Privacy Policy

This Privacy Policy describes how YMG IQ collects, uses, and protects your personal information when you use our platform. YMG IQ is a registered business in Ghana operating a savings and growth platform. We are committed to handling your data with care, honesty, and respect.

By accessing or using YMG IQ, you acknowledge that you have read and understood this Privacy Policy and consent to the collection and use of your information as described herein.

If you do not agree with this policy, please discontinue use of the platform. We encourage you to review this page periodically as it may be updated from time to time.

We collect certain information from you when you register, use, or interact with the YMG IQ platform. This information is grouped into the following categories:

The information we collect is used solely for the purpose of providing and improving the YMG IQ platform. Specifically, we use your data to:

• Create and manage your user account and personal wallet
• Process deposits, withdrawals, and other transactions
• Track and display your account balance, growth, and transaction history
• Communicate with you regarding your account, updates, or support requests
• Verify your identity when required for account security or compliance
• Detect and prevent fraudulent activity or unauthorized access
• Analyze platform usage to improve features and user experience

We do not use your personal data for advertising purposes or share it with marketing partners.

YMG IQ implements appropriate technical and organizational security measures designed to protect your personal information from unauthorized access, disclosure, or misuse. These measures include:

• Secure login systems with password protection for all user accounts
• Access controls that limit who can view or interact with user data
• Regular review of our security practices to address potential risks
• Secure communication standards between users and the platform

Users are also responsible for protecting their own account by keeping login credentials private and reporting any suspicious activity immediately.

Your information may only be shared in the following limited circumstances:

• With trusted service providers who assist in operating the platform, under strict confidentiality agreements
• When required by Ghanaian law, regulation, or a valid legal process such as a court order
• To protect the rights, safety, or property of YMG IQ, our users, or the public
• In the event of a merger or acquisition, where user data may be transferred as part of the transaction — users will be notified in such cases

In all cases, we ensure that any third party receiving your data is held to appropriate standards of confidentiality and data protection.

YMG IQ may use cookies and similar tracking technologies to improve your experience on the platform. Cookies are small data files stored on your device that help us:

• Keep you logged into your account between sessions
• Remember your preferences and platform settings
• Analyze how users navigate and interact with the platform
• Improve platform performance and user experience over time

You may choose to disable cookies through your browser settings. However, doing so may affect the functionality of certain features on the platform. By continuing to use YMG IQ, you consent to our use of cookies as described above.

As a user of YMG IQ, you have the following rights regarding your personal information:

• Access: You may request a summary of the personal information we hold about you.
• Correction: You may update or correct inaccurate information through your account settings or by contacting us.
• Deletion: You may request the deletion of your account and associated data, subject to any legal or operational requirements.
• Restriction: You may request that we limit how your data is used in certain circumstances.
• Withdrawal of Consent: Where your data is processed based on consent, you may withdraw that consent at any time.

To exercise any of these rights, please contact us through the Contact Us page. We will respond to all requests within a reasonable timeframe.

This Privacy Policy may be updated from time to time to reflect changes in our practices, legal requirements, or platform features. When we make significant changes, we will update the date shown at the top of this page.

• We encourage you to review this policy periodically to stay informed about how we handle your data.
• Continued use of the platform after any changes are posted constitutes your acceptance of the updated policy.
• If changes are significant, we may notify you through the platform or via email where possible.

If you have any questions, concerns, or requests regarding this Privacy Policy or how your data is handled, please do not hesitate to get in touch with us.